The price of car insurance will depend on your location and age. Prices can also vary significantly between providers. It is essential to shop for car insurance from different companies every time you shop.
It’s a brilliant idea to compare car insurance quotes of different insurers whenever your auto insurance policy is up for renewal. The comparative ensures that your current rate remains providers in your region using our free tool below—the most affordable. We’ll be discussing how to get multiple quotes simultaneously, why it’s a good idea, and how insurance rates may change depending on your circumstances.
We’ve reviewed them to help drivers from different backgrounds choose the best car insurance companies. Compare car insurance quotes from the top providers in your area.
- The state you live in will play a major role in how much your car insurance costs. New York’s $2,759/year is the highest rate. Wyoming offers the lowest rates at $426 per annum.
- The national average car insurance rate is $87 per month for minimum coverage and $176 per month for full coverage.
- Rates can vary a lot by company. State Farm offers the most affordable rates at $64 per monthly, as opposed to Nationwide’s $107 per mo.
- The age of a driver is a major factor. An average 20-year old driver pays almost twice the amount for car insurance than if he were a 30-year-old.
Why not compare car insurance quotes
Comparing car insurance quotes from several companies is the only way to ensure you get the best rates. When shopping for car insurance, we recommend comparing at least three quotes. Car insurance premiums are dependent on many factors, each driver being unique. Your driver profile will determine what you pay for your policy. This contrasts with what your family members, friends, and neighbors will pay.
Prices for car insurance can vary significantly between providers. Comparing multiple quotes will allow you to determine which insurance company offers the best auto insurance. If you only get one quote, there’s no way of knowing if it’s a good deal.
Every company has its process for evaluating drivers and determining rates. For example, a speeding ticket can increase your annual premium by $500 with one provider but $1,000 with another. One company might offer an excellent discount for buying a house, but another may not.
Your car insurance price will be affected by the coverage you choose. Full coverage insurance can cost more than the state’s minimum coverage. Your car insurance policy will also be affected by the deductible you choose. A higher deductible will result in a lower monthly bill—Vice versa.
These are just a few of the main factors that can affect your car insurance quote:
- Driving record: Drivers with violations or at-fault crashes on their driving records are subject to higher rates. Drivers with clean driving records may be eligible for safe driving discounts offered by many companies.
- Location – Cities and densely populated areas tend to have higher theft and accident rates, which means that people who live in these areas generally pay more car insurance. Zip code can also affect the rates.
- Age: Car insurance is more expensive for teens and younger drivers than those over 25.
- Credit score Most states allow insurance companies to use credit scores when setting car insurance premiums. Rates will rise if you have poor credit.
- Vehicle: Insurance for sports cars, luxury cars, and vehicles with high theft rates is more expensive.
- Homeownership – Renters might pay more for auto insurance than homeowners.
- Marital Status: Married drivers typically pay less for insurance.
- Gender – Your gender could affect the price of your auto insurance.
How to compare car insurance rates
Although it may seem simple to compare car insurance rates, the truth is that they can be misleading. Comparing the monthly premiums of each policy is only the beginning. You need to ensure that you compare policies offering the same coverage when comparing car insurance quotes. You don’t want the cheapest quote on car insurance to not provide the coverage you need. To ensure you are comparing the best rates from every company, make sure to consider any discounts that you may be eligible for when comparing auto insurance quotes.
Compare Car Insurance Rates By Company
Many car insurance companies offer different rates. When choosing a car insurance provider, you need to consider more than just the rate. A low-rate car insurance company won’t be a good option if you don’t need the coverage. The most expensive company may not always be better than the cheaper ones. Check out our rankings to compare car insurance rates and find the best insurance companies. To find the best auto insurance, look into our reviews of car insurance companies.
Compare Car Insurance by Type
It might surprise you to find out that collision insurance does not cover all types of collisions or that comprehensive car insurance may not be as comprehensive as you thought. You should ensure that you get a quote for car insurance that includes a specific type of coverage if you’re searching for it. We have created guides to help you understand the different types of car insurance and decide which policy is best for you.
Compare Car Insurance Discounts
A car insurance discount is a great way of saving money. However, not all car insurers offer discounts. Discounts on car insurance include good drivers, students, or members of particular groups like teachers and the military. Bundling your renters’ or homeowner’s insurance can get you car insurance discounts. To get the lowest car insurance rate, compare the car insurance discounts you are eligible for.
Compare car insurance rates by state.
The state laws governing car insurance can significantly impact how much you pay. Most states require minimum coverage before you are allowed to drive. Different car insurance companies may charge different rates within the same state. We have created state-by-state guides to help you find and understand the requirements of your state’s auto insurance.
Compare auto insurance rates.
Every insurance company assesses individuals in its way. They keep their methods as secret as possible. We can’t tell which insurance company places more importance on your profession or emphasizes driving record.
To help you get started, we can provide you with average annual rates per year for minimum and full coverage car insurance. We also have data from many of the most prominent insurers in each state. Because Liberty Mutual is one of the most prominent insurers in the nation, we have not included it in our rates analysis.
Compare auto insurance quotes by each provider
Our team has compared rates for over 50 companies in the country. Our estimates show that Progressive, State Farm, Geico, and USAA are the most affordable national providers. Erie and Auto-Owners both offer regional services at a reasonable price.
Below you will see the comparisons of 11 top providers. These rates apply to drivers aged 35 with good credit ratings and clean driving records. They include full coverage (liability coverage plus comprehensive coverage) and collision coverage.
| Car Insurance Provider | Average Annual Cost Estimate |
|---|---|
| USAA | $1,013 |
| Erie | $1,113 |
| Auto-Owners | $1,229 |
| State Farm | $1,339 |
| Geico | $1,352 |
| Progressive | $1,397 |
| Nationwide | $1,533 |
| Travelers | $1,617 |
| Farmers | $2,032 |
| The Hartford | $2,166 |
| Allstate | $2,430 |
Compare Car Insurance Rates by Age
When calculating your rate, car insurance companies consider more than just your driving record. The amount you pay can be affected by your age. Teen drivers, for example, have the highest average car insurance rates. But they are not the only ones. After teens and 20-somethings, drivers 75 and over tend to have higher car insurance rates than other age groups.’
Your age can significantly impact how much you pay for your car insurance. Inexperienced young drivers can lead to high insurance rates. A 16-year old driver is three times more expensive than a 25-year-old.
We compiled the average annual rates of nine of the country’s largest private passenger car insurers using market share data from the National Association of Insurance Commissioners.
Average cost of car insurance by state
| State | Minimum coverage | Full coverage |
|---|---|---|
| National average | $1,040 | $2,108 |
| Alabama | $965 | $1,973 |
| Alaska | $697 | $1,388 |
| Arizona | $1,822 | $3,180 |
| Arkansas | $826 | $1,864 |
| California | $850 | $1,996 |
| Colorado | $1,193 | $2,198 |
| Connecticut | 1,346 | $2,524 |
| Delaware | $1,375 | $2,379 |
| District of Columbia | $1,856 | $2,020 |
| Florida | $1,821 | $4,651 |
| Georgia | $1,010 | $1,923 |
| Hawaii | $744 | $1,682 |
| Idaho | $614 | $1,251 |
| Illinois | $1,211 | $2,580 |
| Indiana | $605 | $1,368 |
| Iowa | $556 | $1,455 |
| Kansas | $621 | $1,584 |
| Kentucky | $1,527 | $2,997 |
| Louisiana | $1,617 | $4,178 |
| Maine | $505 | $1,018 |
| Maryland | $1,358 | $2,535 |
| Massachusetts | $874 | $2,218 |
| Michigan | $2,236 | $3,671 |
| Minnesota | $1,101 | $2,132 |
| Mississippi | $1,128 | $2,214 |
| Missouri | $956 | $2,194 |
| Montana | $622 | $1,590 |
| Nebraska | $576 | $1,380 |
| Nevada | $1,824 | $3,059 |
| New Hampshire | $868 | $1,887 |
| New Jersey | $1,037 | $2,135 |
| New Mexico | $810 | $1,732 |
| New York | $2,759 | $4,943 |
| North Carolina | $557 | $1,059 |
| North Dakota | $539 | $1,821 |
| Ohio | $544 | $1,291 |
| Oklahoma | $930 | $1,915 |
| Oregon | $1,404 | $2,257 |
| Pennsylvania | $746 | $1,717 |
| Rhode Island | $1,796 | $3,312 |
| South Carolina | $1,106 | $2,008 |
| South Dakota | $500 | $2,037 |
| Tennessee | $722 | $1,651 |
| Texas | $1,436 | $3,011 |
| Utah | $1,016 | $1,735 |
| Vermont | $516 | $1,287 |
| Virginia | $765 | $1,559 |
| Washington | $1,116 | $1,804 |
| West Virginia | $654 | $1,527 |
| Wisconsin | $560 | $1,300 |
| Wyoming | $426 | $1,577 |
| Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||
Commonly asked questions
What information will I need to compare quotes?
To use our auto insurance quote comparison tool, you’ll need to get a quote with Progressive first. It’s helpful to know your vehicle identification number (VIN), as well as your ticket and accident history, to get a quote.
What should I consider when comparing rates?
Although insurance companies look at similar factors to determine rates, each has its quoting methodology. This can result in differences in rates among insurers. For that reason, it’s helpful to compare car insurance rates from different companies to find the best price.
Does the best auto insurance rate guarantee the best coverage?
Not necessarily. A lower rate could mean less coverage for you and your vehicle, so it’s essential to ensure that coverages, limits, and deductibles match up when comparing car insurance rates.