For the curious, frustrated, or savings-hungry, here is our official guide to car insurance quotes.
Getting the right car insurance coverage can be as frustrating as it is confusing. Between the confusing jargon and volatile pricing rates, how can you ensure you’re always getting the best deal for you and your needs?
Your car insurance policy begins with you, your coverage needs, and a single number. Find out how to compare car insurance quotes today and save up to 70 percent on your current policy.
Table of Contents
- How to get free car insurance quotes online
- What is a car insurance quote?
- What goes into a car insurance quote?
- Factors that impact a car insurance quote
- Car insurance quotes by company
- Cheapest car insurance quotes
- Car insurance discounts
- Conclusion: Do this now to compare and save
How to get free car insurance quotes online
The best way to find and compare cheap car insurance quotes for free is with Insurify.
Don’t trust captive insurance agents or lead generation sites, which aren’t impartial and who gouge you for money. Instead, take your insurance decisions into your own hands and spend a few minutes on Insurify. Just take a few minutes to put in some basic personal information, and soon you’ll be comparing real, bindable quotes side by side!
Your information is 100 percent free and secure. Find the right car insurance for you today by unlocking discounts, comparing coverage levels, and having the option to buy online or over the phone!
Browse, Compare, Discover with Insurify today!
What is a car insurance quote?
Auto insurance companies need to give you an idea of how much they’ll charge you for coverage before you make a commitment to buy.
Insurance prices reflect risk. Quote amounts vary from person to person based on the perceived level of risk that a potential policyholder represents to an insurance provider.
What does this mean?
Think of car insurance as a giant swimming pool full of risk. Everyone contributes some amount of water to fill the pool because any one of those people might need some of that water later to put out a fire.
In the same way, you contribute some money each month (your monthly premium) to an insurance company. If you get into trouble in the future, the company will use some of that money to help you cover costs.
So then why do insurance quotes have to be different for different people and different companies? Because insurance is not a one-size-fits-all system. Your car insurance quote is an estimate of how likely it is you’ll need to take water out of the pool—including how much water, and when, and why.
It wouldn’t be fair to have a perfect driver put as much into the pool as a driver with ten accidents on their record, right?
Then there’s the fact that everyone needs varying levels of insurance coverage depending on their location, their driving habits, the size of their family, their type of car…. Why should the owner of the Tesla pay as little as the owner of the pre-owned Honda?
Think about it this way: you drive your own car, travel to your own destinations, and have your own habits behind the wheel. Maybe you’re a fuzzy-dice aficionado, too. The point is: when it comes to driving, your wants and needs are your own and nobody else’s. You need an insurance policy that reflects who you are and how you drive, too.
Sometimes that means you want more out of your insurance coverage, so your premium might be more expensive than your neighbor’s. That’s why it’s especially important to compare multiple quotes before selecting a policy. After all, insurance companies are unique, too—some are known for their customer satisfaction; some are represented by cute and cuddly mascots; some will weigh your level of risk way lower than you think.
So it’s essential to check and compare quotes from multiple companies before deciding what to buy.
Here are some similar terms you might come across in your car insurance shopping journey:
A quote is a tailored estimate of how much your auto insurance policy will cost with a specific insurance company. Quotes aren’t set in stone, however, and can fluctuate once you’ve provided a company with your Social Security Number and VIN. Still, an auto insurance quote is the most accurate prediction of the rate a company will set for you.
A rate is the actual cost of your insurance coverage. All of the factors that go into estimating your quote are what ultimately impact the price you must pay to receive insurance coverage.
A premium is what the insurance company determines you’ll be charged per pay period based on your rate. Your total monthly or annual premium should represent the final cost of your insurance policy after all discounts, coverages, and endorsements have been applied. Typically, a car insurance policy constitutes six months or one year of coverage, divided into monthly installments.
What goes into a car insurance quote?
The following types of auto insurance coverage options make up the basics of a standard policy.
Liability insurance covers the bodily injury and property damage incurred by the victims of an accident for which you’re at fault. It’s up to you (and your insurance company) to pay up so that the non-at-fault driver and/or their passengers don’t suffer massive financial loss.
If you opt for state minimum car insurance, that means you’re getting the lowest amount of liability coverage that is legally allowed in your state. That often means you’ll get the cheapest quotes available, but the lowest threshold of insurance coverage. Liability-only insurance won’t be sufficient coverage for any damages or injuries that you suffer as a result of an accident, regardless of fault.
“Full coverage car insurance” is the popular term for car insurance that includes liability, comprehensive, and collision coverage. This is a safer auto policy that covers a broader range of situations wherein you might need insurance to offset the costs of repairing your car.
Comprehensive coverage: If you decide to get comprehensive coverage—and we really advise that you do—then its cost will comprise about 50 percent or more of your overall quote. Typically, comprehensive coverage accounts for the most expensive portion of your quote. Comprehensive guarantees that your car is covered in case of an “Act of God,” such as a fallen tree or damage from an extreme weather event. It also extends to animal collisions, vandalism, and theft.
Collision coverage: Collision insurance pays out damages arising from (you guessed it) a collision, regardless of fault. You and your car won’t be covered without collision insurance if you’re involved in a car accident. This coverage applies to collisions with other vehicles and unmoving objects, as well as pothole damage. Adding collision coverage will also increase the price of your quote.
Other “types” of car insurance coverage appearing in your quoted policy depends on what kinds of coverage you’ve selected during the application process. These can include:
- Uninsured motorist coverage: Consisting of uninsured motorist bodily injury and uninsured motorist property damage, this additional protection covers you if you get into an accident with an uninsured or underinsured driver.
- Medical Payments: This covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, MedPay can help ease the stress of high medical bills after a hospital visit.
- Personal Injury Protection: Also pays for medical bills. Generally, PIP also pays for loss of wages and death benefits.
- Rental car coverage: If your car is damaged, and the damage is covered under your collision or comprehensive coverage, your insurance company will reimburse you for a rental car.
- Glass and windshield replacement: Sometimes, your comprehensive or collision coverage won’t cover windows and windshield damage. In this case, it’s probably a smart move to buy extra protection for glass and windshield damage.
- Roadside assistance service usually costs only a mere few more dollars on your policy. You can also join the American Automobile Association (AAA) if your preferred insurance provider doesn’t offer a roadside assistance add-on or endorsement.
- Towing and labor coverage: Pays for any expenses associated with towing a totaled or damaged car to a repair shop, and may also cover other towing costs, tire changes, battery services, and lockout services.
What factors will impact my car insurance quote?
If you’re wondering why your car insurance is so high, you’re not alone.
Most drivers can be blissfully unaware of the sheer number of factors that will slightly or significantly alter their car insurance quote.
- Your driving record. Your behavior behind the wheel is a significant indicator of how risky you’ll be in the future. Insurance companies like to see clean driving records—drivers that have never filed an insurance claim are preferable to those that have had to file even the most minor claims.
- Who you are. Do you own your home or rent it? Do you pay your bills? Your age, gender, marital status, and credit score are all factors that insurance companies can take into account when calculating your quote. Read below to see how each major insurance company typically weighs these variables.
- Location. Insurance costs vary from state to state and from city to city. Local crime rates, regional weather patterns, and state-specific requirements are all factors that will go into how much or how little you’re able to pay for an auto policy.
- Coverage levels. State minimum liability insurance costs less than those same liability limits within a full coverage policy. Furthermore, the higher your liability coverage levels, the more you’re potentially asking an insurance company to pay out if you file a claim.
- Deductible amounts. For any non-liability coverage, you get to decide how much money you’ll have to pay before the insurance coverage kicks in. This flat amount is called a deductible. The higher you set your deductibles, the lower your monthly premium will be, and vice versa. Let your financial situation inform how much you want to pay for an insurance policy, how much you can pay, and how much you’re willing to “risk” by opting out of appropriate coverage.
Car Insurance Quotes: See How Each Company Stacks Up
Car Insurance Quotes by Gender
|Insurance Company||Average monthly quote (female)||Average monthly quote (male)|
To give an idea of just how low your rates can be regardless of gender, we set out to find the lowest average monthly quotes for both men and women. Some of these smaller, more regional insurance companies can still offer very cheap rates, independent of factors like claims history or credit score.
Cheapest average monthly quotes for men:
|Buckeye Insurance Group||$18.90/month|
|IMT Insurance Company||$22.10/month|
|Farmers Mutual of Nebraska||$22.58/month|
Cheapest average monthly quotes for women:
|Buckeye Insurance Group||$19.36/month|
|IMT Insurance Company||$22.29/month|
|Farmers Mutual of Nebraska||$23.05/month|
Car Insurance Quotes by Age
|Insurance Company||Monthly quote (under 40)||Monthly quote (over 40)|
Here are the cheapest average monthly quotes we could find in the country for young drivers under 40 years old.
|Buckeye Insurance Group||$18.13/month|
|IMT Insurance Company||$20.02/month|
|Farmers Mutual of Nebraska||$20.35/month|
And here are the cheapest average monthly quotes we could find in the country for drivers over 40 years of age.
|Buckeye Insurance Group||$17.18/month|
|Colorado Farm Bureau||$23.12/month|
|Norfolk and Dedham Group||$24.08/month|
Click here for more info on the following driver profiles:
Car insurance quotes for permit drivers
Car insurance quotes for new drivers
Car insurance quotes for young adults
Car insurance quotes for international students
Car insurance quotes for divorced couples
Car insurance quotes for Costco members
Car Insurance Quotes by Location
Where you live really does affect your car insurance rates. Living in a high-crime neighborhood or an area prone to hurricanes probably means you’ll have to pay higher car insurance premiums. Since your perceived likelihood of filing a claim is higher, insurance companies predict it will cost more to insure your car.
|District of Columbia||$75|
Click here for more info on how to get car insurance quotes for Uber and Lyft drivers.
Car Insurance Quotes for Married Drivers
Here are the cheapest quotes we could find in the country for married drivers. Married drivers can often qualify for married, multi-driver, and multi-policy discounts from insurance providers.
|Co-Operative Insurance Companies||$17.45/month|
|Buckeye Insurance Group||$18.85/month|
|IMT Insurance Company||$21.62/month|
|Farmers Mutual of Nebraska||$21.64/month|
|Colorado Farm Bureau||$22.43/month|
Car Insurance Quotes for Safe Drivers vs. One At-Fault Accident
Here are the cheapest quotes we could find in the country for drivers with one at-fault accident on their record:
|Buckeye Insurance Group||$20.11/month|
|Co-Operative Insurance Companies||$27.72/month|
Click here for more info on the following driver profiles:
Car Insurance Quotes for New Cars vs. Old Cars
To get a real example of how Insurify lets you compare side-by-side quotes, we put our own site to the test. How would the same driver’s quote list change, based on whether she owned a 2019 Honda Accord EX-L, or a 1994 Honda Accord EX?
The following quotes apply to the following driver profile:
A 35-year-old single female living in Houston, Texas opting for state minimum liability insurance only; currently insured; using her car to commute to work 10 miles each way every day; having paid for her car in full; having good credit, a Bachelor’s degree; renting her home; working as a bank teller; having one at-fault accident from two years ago on her insurance record.
Here are her quotes if she’s insuring a 2019 Honda Accord EX-L sedan:
Insurance Company Quote
Bristol West $105/month
Commonwealth Casualty $122/month
Liberty Mutual $185/month
The General $254/month
And here they are if she’s still getting by in a 1994 Honda Accord EX four-door sedan:
Insurance Company Quote
Commonwealth Casualty $91/month
Bristol West $111/month
Liberty Mutual $124/month
The General $237/month
When analyzing the “new car” and the “old car” quotes side by side, it becomes clear that some insurance companies prefer to insure older vehicles—in the event of an accident, these cars won’t call for higher part-replacement costs. But some insurance companies actually quote cheaper for the newer car—perhaps they don’t want to risk insuring vehicles that don’t have up-to-date safety features.
Each insurance company has different policies or standards around insuring older or newer vehicles, which is why it’s essential to compare quotes from multiple providers.
Car Insurance Quotes for Full Coverage vs. State Minimum Coverage
Here’s our same sample driver opting for state minimum liability coverage only—no endorsements, no deductibles, and no extra coverages. Suppose that this time, she drives a 2012 Toyota Camry.
Insurance Company Quote
Bristol West $85/month
Commonwealth Casualty $92/month
The General $262/month
Here’s what her quote list would look like if she opted for “full coverage,” electing for $1,000 deductibles for both comprehensive and collision:
Insurance Company Quote
Bristol West $149/month
Commonwealth Casualty $208/month
Liberty Mutual $236/month
The General $453/month
And here’s how her quotes would look with state minimum liability and comprehensive/collision with added roadside assistance deductibles of $50 and Personal Injury Protection (PIP) coverage worth $15,000:
Insurance Company Quote
Bristol West $180/month
Commonwealth Casualty $247/month
Liberty Mutual $276/month
The General $453/month
The numbers are straightforward: the more protection you add to your hypothetical car insurance policy, the higher your car insurance quote will be. This is true across virtually all car insurance companies.
Car insurance companies with the cheapest average quotes
Looking for the absolute cheapest quotes in your area? Click on your state of residence below to learn more about how to find the cheapest car insurance quotes:
For more information, visit our ultimate guide to getting cheap car insurance quotes.
Car insurance discounts
You might be able to secure a cheaper car insurance quote if you specify certain traits or driving behaviors that will result in a discount.
For example, adding a teen driver to your policy might automatically qualify you for both multi-driver, teen driver, and student driver discounts at once. Reporting that you have a clean driving record might signal that you can reap the benefits of a good driver discount.
Insurance companies love to offer discounts to drive down costs to increase customer satisfaction and loyalty. And certain programs can mean that your costs decrease year over year so long as you continue good driving behavior, invest in certain safety precautions, or get your insurance payments in well before they’re due.
Learn more about car insurance discounts here.
Conclusion: The best way to get a cheap car insurance quote
Insurify is your best bet if you’re looking to compare cheap car insurance quotes side by side. Whether you’re prioritizing savings (we’ve all got to stretch the dollar!), coverage perks, or industry reputation, Insurify puts you in the driver’s seat and lets you choose the real quote you want to buy today.
That’s right—real policies, real savings, real fast. Compare car insurance quotes today with free, ready-to-purchase quotes from Insurify.
Frequently Asked Questions
How do I get an auto insurance quote?
To get fast and free auto insurance quotes from the top-rated and cheapest providers in the nation, use an auto insurance quotes comparison site like Insurify. Just a few minutes and a couple of clicks can get you side-by-side insurance rates from multiple companies at once, ranked by price or by recommended coverage. Save time and avoid spam calls by purchasing your new car insurance policy immediately online or over the phone.
Where can I get an auto insurance quote?
You can get an auto insurance quote online (directly through an insurance company), over the phone, or in-person at an agency. But generating and comparing multiple quotes is a major time commitment if you don’t use an auto insurance quotes comparison site like Insurify. Compare multiple quotes side by side, with no risk of getting hunted down by robo-calls or scammers. The best part is that Insurify offers fresh, personalized, ready-to-buy quotes after just a few clicks. No surprises or estimations—we’ll show you real quotes upfront based on the exact policy you want.
What are auto insurance quotes?
Auto insurance quotes are rough estimates of how much your auto insurance policy will cost with a specific insurance company. Quotes aren't set in stone, however, and can fluctuate once you've provided a company with your Social Security Number and VIN. Still, an auto insurance quote is the most accurate prediction of one company’s monthly rate it will charge for your insurance premium. You can compare auto insurance quotes from multiple companies in minutes with a comparison site like Insurify.
The data scientists at Insurify compiled quoting data from Quadrant Information Services and Insurify’s proprietary database of over 2 million real car insurance quotes, spanning pricing data from 2012 to 2019.
Unless where explicitly noted, all quotes correspond to state minimum coverage (bodily injury and property damage liability insurance coverage) in their respective states.
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