Comparing car insurance quotes is essential for finding the most suitable coverage at the best price. Various factors, such as your driving history, vehicle, location, age, and gender, all influence the cost of car insurance. Obtaining car insurance quotes is a simple and free process that can be done online, over the phone, or in person with an insurance agent. To ensure you get the best coverage at the right price, it’s crucial to compare quotes and companies. Getting a quote online is convenient, and most major car insurance companies offer this option.
Comparing car insurance rates
Several factors can influence your car insurance rates. These factors include your age, gender, location, credit history, and driving record. To get a better understanding of how these factors affect your rate, we have collected data from various top car insurance companies. This data allows us to provide you with average rates for comparison.
You can compare car insurance rates based on the company you choose. Additionally, rates can be compared by state, age, and gender. Your credit history also plays a role in determining your insurance rate. If you’ve had a DUI, your insurance rate may be different from those without such a history. The same applies if you’ve been involved in an at-fault accident or received a speeding ticket.
Senior drivers and teen drivers may have specific rates tailored to their age groups. So, the rates may differ for these demographics.
Compare car insurance rates by company
- A good driver purchasing full coverage can expect to pay an average of $2,150 annually for coverage.
- However, it’s essential to note that car insurance companies provide a similar product, but their pricing varies.
- Let’s take a closer look at the average rates offered by the top insurers in the nation.
| COMPANY | AVERAGE ANNUAL RATE FOR GOOD DRIVERS | AVERAGE MONTHLY RATE FOR GOOD DRIVERS |
|---|---|---|
| USAA | $1,412 | $118 |
| Auto-Owners | $1,628 | $136 |
| Geico | $1,716 | $143 |
| Westfield | $1,759 | $147 |
| Travelers | $1,852 | $154 |
| State Farm | $1,959 | $163 |
| Nationwide | $2,041 | $170 |
| Erie | $2,144 | $179 |
| National average | $2,150 | $179 |
| Progressive | $2,157 | $180 |
| American Family | $2,176 | $181 |
| Farmers | $2,381 | $198 |
| Safe Auto | $2,647 | $221 |
| Allstate | $3,000 | $250 |
| Mercury | $3,233 | $269 |
Compare car insurance rates by state
Where you live will significantly impact your coverage costs. For example, drivers in Iowa and Wyoming experience some of the most affordable rates. On the other hand, those in Florida and Michigan face some of the highest average rates, as indicated by our analysis.
The average annual rate of your insurance coverage can be influenced by your location. States like Iowa and Wyoming tend to offer lower rates, while Florida and Michigan tend to have higher average rates, as per our analysis.
| STATE | ANNUAL CAR INSURANCE COST (MINIMUM COVERAGE) | ANNUAL CAR INSURANCE COST (FULL COVERAGE) |
|---|---|---|
| Alabama | $526 | $1,809 |
| Alaska | $414 | $2,323 |
| Arizona | $543 | $1,696 |
| Arkansas | $581 | $2,061 |
| California | $764 | $2,462 |
| Colorado | $516 | $2,489 |
| Connecticut | $846 | $1,730 |
| Delaware | $936 | $2,462 |
| Florida | $1,286 | $4,326 |
| Georgia | $720 | $2,181 |
| Hawaii | $376 | $1,633 |
| Idaho | $341 | $1,021 |
| Illinois | $533 | $2,345 |
| Indiana | $408 | $1,454 |
| Iowa | $275 | $1,238 |
| Kansas | $490 | $1,693 |
| Kentucky | $764 | $1,979 |
| Louisiana | $930 | $3,629 |
| Maine | $396 | $1,216 |
| Maryland | $855 | $3,349 |
| Massachusetts | $535 | $2,333 |
| Michigan | $1,450 | $2,995 |
| Minnesota | $576 | $2,360 |
| Mississippi | $538 | $1,704 |
| Missouri | $599 | $2,323 |
| Montana | $396 | $1,770 |
| Nebraska | $445 | $1,538 |
| Nevada | $810 | $3,342 |
| New Hampshire | $478 | $1,411 |
| New Jersey | $1,119 | $2,240 |
| New Mexico | $413 | $2,104 |
| New York | $1,016 | $4,769 |
| North Carolina | $455 | $1,307 |
| North Dakota | $351 | $1,319 |
| Ohio | $345 | $1,112 |
| Oklahoma | $456 | $2,291 |
| Oregon | $682 | $1,459 |
| Pennsylvania | $506 | $3,600 |
| Rhode Island | $682 | $2,715 |
| South Carolina | $755 | $2,387 |
| South Dakota | $301 | $1,821 |
| Tennessee | $428 | $1,720 |
| Texas | $650 | $2,938 |
| Utah | $556 | $1,955 |
| Vermont | $278 | $1,037 |
| Virginia | $584 | $1,486 |
| Washington | $504 | $1,829 |
| West Virginia | $477 | $1,688 |
| Wisconsin | $393 | $1,905 |
| Wyoming | $295 | $1,341 |
Compare car insurance rates by age and gender
Auto insurance companies consider a driver’s age to determine rates. Teen and young adult drivers pay more due to their lack of driving experience. Gender is another factor that many insurers take into account. Male drivers often pay higher premiums compared to female drivers. However, this practice is prohibited in certain states, such as California, Hawaii, Massachusetts, Michigan, and North Carolina. On average, the annual rates can vary depending on the insurance company and location.
| AGE | AVERAGE NATIONAL RATES FOR MALE DRIVERS | AVERAGE NATIONAL RATES FOR FEMALE DRIVERS |
|---|---|---|
| 18 | $6,640 | $5,657 |
| 20 | $4,885 | $4,114 |
| 25 | $2,537 | $2,385 |
| 30 | $2,197 | $2,181 |
| 40 | $2,104 | $2,117 |
| 50 | $1,969 | $1,973 |
| 60 | $1,924 | $1,906 |
| 70 | $2,127 | $2,071 |
| 80 | $2,661 | $2,486 |
Compare car insurance rates for drivers with poor credit
Many states permit car insurance companies to perform credit checks for rate evaluation purposes. Having a well-established credit history and making timely payments can positively impact your car insurance rates.
Moreover, having no past-due accounts and using only a small portion of your available credit can also lead to lower insurance rates. On the other hand, drivers with poor credit usually face higher insurance costs. Check out the table below for average annual rates based on different companies.
| COMPANY | AVERAGE ANNUAL RATES | AVERAGE ANNUAL RATES FOR DRIVERS WITH POOR CREDIT | AVERAGE PERCENTAGE INCREASE FOR DRIVERS WITH POOR CREDIT |
|---|---|---|---|
| Safe Auto | $2,647 | $3,345 | 26% |
| Allstate | $3,000 | $4,028 | 34% |
| Nationwide | $2,041 | $2,771 | 36% |
| Geico | $1,716 | $2,426 | 41% |
| American Family | $2,176 | $3,360 | 54% |
| Farmers | $2,381 | $3,921 | 65% |
| Westfield | $1,759 | $2,964 | 69% |
| Mercury | $3,233 | $5,731 | 77% |
| National average | $2,150 | $3,779 | 79% |
| Travelers | $1,852 | $3,381 | 83% |
| USAA | $1,412 | $2,594 | 84% |
| Progressive | $2,157 | $4,215 | 95% |
| Erie | $2,144 | $4,903 | 129% |
| State Farm | $1,959 | $5,051 | 158% |
| Auto-Owners | $1,628 | $4,217 | 159% |
Compare car insurance rates for drivers with a DUI
A DUI can have significant financial consequences. It poses a danger as it can result in harm to yourself or others, leading to potential jail time or license suspension. Moreover, your car insurance premiums will rise substantially. According to our analysis, drivers with a DUI can expect their car insurance costs to increase by an average of 70%. Here is a comparison of the average annual rates for various insurance companies.
| COMPANY | AVERAGE ANNUAL RATES | AVERAGE ANNUAL RATES FOR DRIVERS WITH ONE DUI | AVERAGE PERCENTAGE INCREASE AFTER A DUI |
|---|---|---|---|
| Allstate | $3,000 | $3,856 | 29% |
| Progressive | $2,157 | $2,776 | 29% |
| American Family | $2,176 | $2,983 | 37% |
| Mercury | $3,233 | $4,613 | 43% |
| Safe Auto | $2,647 | $3,874 | 46% |
| Farmers | $2,381 | $3,517 | 48% |
| Erie | $2,144 | $3,390 | 58% |
| State Farm | $1,959 | $3,235 | 65% |
| National average | $2,150 | $3,537 | 70% |
| Nationwide | $2,041 | $3,677 | 80% |
| USAA | $1,412 | $2,751 | 95% |
| Travelers | $1,852 | $3,675 | 98% |
| Geico | $1,716 | $3,451 | 101% |
| Auto-Owners | $1,628 | $3,363 | 107% |
| Westfield | $1,759 | $4,357 | 148% |
Compare car insurance rates for drivers with an at-fault accident
If you’re responsible for an accident, your insurance provider might raise your rate. This applies to accidents causing property damage or bodily injuries to others, including drivers, passengers, or pedestrians. To illustrate, the following table displays the average annual rate increase for drivers at fault in accidents resulting in bodily injuries:
| COMPANY | AVERAGE ANNUAL RATES | AVERAGE ANNUAL RATE WITH ONE AT-FAULT ACCIDENT CAUSING INJURY | AVERAGE PERCENTAGE INCREASE AFTER ONE AT-FAULT ACCIDENT CAUSING INJURY |
|---|---|---|---|
| Allstate | $3,000 | $3,870 | 29% |
| American Family | $2,176 | $2,818 | 29% |
| State Farm | $1,959 | $2,554 | 30% |
| Auto-Owners | $1,628 | $2,145 | 32% |
| Erie | $2,144 | $2,822 | 32% |
| Westfield | $1,759 | $2,458 | 40% |
| Travelers | $1,852 | $2,630 | 42% |
| National average | $2,150 | $3,074 | 42% |
| Farmers | $2,381 | $3,446 | 45% |
| Geico | $1,716 | $2,487 | 45% |
| Safe Auto | $2,647 | $3,874 | 46% |
| USAA | $1,412 | $2,093 | 48% |
| Nationwide | $2,041 | $3,050 | 49% |
| Progressive | $2,157 | $3,413 | 58% |
| Mercury | $3,233 | $5,373 | 66% |
Compare car insurance rates for drivers with a speeding ticket
Risk assessment is a crucial part of car insurance companies’ pricing strategy. It involves a careful examination of your driving history to predict potential future claims. Insurers analyze past driving behavior to evaluate the risk you pose as a driver. So, if you’ve been caught speeding, it will likely impact your car insurance premiums significantly. This means you may end up paying more for your policy compared to someone with a clean driving record.
| COMPANY | AVERAGE ANNUAL RATES | AVERAGE ANNUAL RATES WITH ONE SPEEDING TICKET | AVERAGE PERCENTAGE RATE INCREASE AFTER A SPEEDING TICKET |
|---|---|---|---|
| Allstate | $3,000 | $3,213 | 7% |
| American Family | $2,176 | $2,536 | 17% |
| Auto-Owners | $1,628 | $2,250 | 38% |
| Erie | $2,144 | $2,316 | 8% |
| Farmers | $2,381 | $3,014 | 27% |
| Geico | $1,716 | $2,098 | 22% |
| Mercury | $3,233 | $4,339 | 34% |
| Nationwide | $2,041 | $2,439 | 19% |
| Progressive | $2,157 | $2,793 | 29% |
| Safe Auto | $2,647 | $3,360 | 27% |
| State Farm | $1,959 | $2,311 | 18% |
| Travelers | $1,852 | $2,481 | 34% |
| USAA | $1,412 | $1,709 | 21% |
| Westfield | $1,759 | $2,001 | 14% |
| National average | $2,150 | $2,633 | 22% |
Compare car insurance rates after adding a teen driver to a parent policy
Teens, being inexperienced drivers, have the highest rates among all age groups due to the increased risk involved. To save on insurance costs, parents can add their teen drivers to their own policies instead of the teens purchasing separate policies. Now, let’s consider the average annual rates offered by different insurance companies for adding a teen to the policy.
| COMPANY | ADDING A 16-YEAR-OLD TO POLICY | ADDING 17-YEAR-OLD MALE TO POLICY |
|---|---|---|
| Allstate | $3,948 | $3,574 |
| American Family | $2,084 | $1,649 |
| Auto-Owners | $2,387 | $1,938 |
| Erie | $1,594 | $1,390 |
| Farmers | $3,780 | $3,386 |
| Geico | $1,952 | $1,610 |
| Nationwide | $1,774 | $1,699 |
| Progressive | $2,225 | $2,307 |
| State Farm | $2,124 | $1,750 |
| Travelers | $2,709 | $1,993 |
| USAA | $2,036 | $1,396 |
| National average | $2,419 | $2,063 |
How to find the best car insurance quotes
Maybe you’re shopping for coverage for the first time.Perhaps you want to see if you’re getting the best offer available.These steps can help you get the best car insurance quotes.
Determine what type of coverage you need, and how much
- The minimum coverage required by your state is essential.
- Typically, this involves liability car insurance.
- Additional coverage types may be required, like uninsured motorist insurance or personal injury protection (PIP).
- If you finance or lease your vehicle, you must adhere to the coverage requirements in your loan or lease agreement.
- Fulfilling state and lending requirements is crucial.
- You should also assess whether these requirements adequately protect your assets in case of a lawsuit.
- Being at fault in a car accident means your liability insurance comes into play.
- It covers bodily injury and property damage caused to others.
- Your legal defense and any resulting judgments or settlements are also covered, up to your policy’s liability insurance limit.
- Experts suggest a 100/300/100 car insurance policy.
- This policy includes $100,000 in bodily injury coverage per person, $300,000 in bodily injury coverage per accident, and $100,000 in property damage coverage.
Gather the information you need for a car insurance quote
To complete a quote request, you may need various pieces of information.The information required depends on the quote provider.
- It may involve your name and address.
- Your birth date might also be needed.
- The Social Security number could be part of the requirements.
- Additionally, they may ask for your driver’s license number.
- You will need to provide details about the type of vehicle(s) you want to insure.
- The Vehicle Identification Number (VIN) is one of the necessary details.
- They might inquire about vehicle safety and anti-theft features.
Get at least three car insurance quotes
Collecting quotes from multiple insurance companies is essential. Aim for at least three quotes, although more can be beneficial. By doing so, you can gain insights into the cost of coverage and identify the most affordable rates.
Narrow down your options and research insurers
After discovering the insurers with the most favorable rates, take the time to conduct additional research. Determine which one aligns best with your needs. The following steps can be useful for this process:
- Delve into online car insurance company reviews.
- Explore the insurer’s website and available resources.
- Seek feedback from trusted family and friends.
- Conduct research on the insurer’s track record using consumer complaint sites, such as the National Association of Insurance Commissioners (NAIC).
Complete your purchase with the insurer or independent agent
Insurers often provide the option of buying policies online. However, in some cases, you may have to contact an agent directly. When switching car insurance companies, ensure your policy’s start and end dates align to avoid coverage gaps.
How to compare car insurance policies
After obtaining quotes, it’s time to compare different car insurance companies and their policies.Begin by collecting quotes for the same type and amount of coverage.
- If you’re unsure about optional coverage, like collision and comprehensive, get quotes for each option from each insurer.
- Don’t solely focus on rates; the cheapest option may not be the best car insurance company for you.
- Take the time to compare the offerings and features of each policy.
- Not all policies are equal; some insurers may provide unique features like a disappearing deductible or gap insurance.
- Consider your current and potential needs when evaluating how well an insurer can meet them.
- Review the insurer’s website, mobile apps, and resources to see if they align with your policy management expectations and coverage needs.
- Check for bundling options; many companies offer discounts when purchasing multiple insurance policies, such as car and homeowners or renters insurance.
- Search for discounts offered by insurance companies, such as multi-policy discounts, good student discounts, and safety feature discounts.
- Once you’ve narrowed your list of potential insurers, inquire about additional discounts not included in your initial quote.
- Evaluate car insurance reviews from third-party sites, organizations, and friends or family with experience dealing with the insurer.
Comparing car insurance rates: Where to get quotes
To find the best car insurance quotes, you need to know where to look.
- One option is to shop online. Many car insurance companies allow you to enter basic information about yourself and your vehicle on their website to get a quote. Some may even offer bundle quotes for home and auto insurance.
- Alternatively, you can call an insurance company directly if you prefer to speak with someone or can’t complete the quote online. When you call the insurer directly, you’ll work with a “captive” agent who represents only that particular insurer.
- On the other hand, you may choose to work with an “independent agent” over the phone. These agents are not tied to a specific company, so they can provide quotes from multiple insurers.
- Another option is to visit a physical location. If the auto insurance companies you’re considering have nearby branches or if you’re working with a local office of an independent agent, you can get a face-to-face car insurance quote.
- Meeting with an insurance agent in person can help you better understand policy options and discuss your coverage needs. However, it’s worth noting that if an insurer doesn’t have an office nearby, you might miss out on quotes from them even if their policies and rates would meet your needs.
What is the cheapest car insurance?
USAA is regarded as the best option for affordable car insurance, according to our evaluation of top insurers nationwide. Nevertheless, only military members and their families can access USAA insurance products. If you don’t qualify for USAA, you might want to look into Auto-Owners for an alternative policy, as it offers the second lowest rates for most drivers. Additionally, Geico, Westfield, Nationwide, and Travelers provide competitive car insurance rates.
Cheapest car insurance comparison
| COMPANY | RATING | AVERAGE ANNUAL RATE FOR A GOOD DRIVER | LEVEL OF COMPLAINTS |
|---|---|---|---|
| USAA | 5.0 stars | $1,412 | Average |
| Auto-Owners | 5.0 stars | $1,628 | Low |
| Geico | 4.5 stars | $1,716 | Average |
| Westfield | 4.5 stars | $1,759 | Very low |
| Travelers | 4.5 stars | $1,852 | Very low |
| Nationwide | 5.0 stars | $2,041 | Very low |
