Compare Car Insurance Rates All in One Place (July 2025)
Get real-time car insurance quotes with no risk of spam and no fees.
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Written bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Edited byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Quick Facts
Insurify is a licensed insurance agency in all 50 states and Washington, D.C., and partners with top companies like Allstate, GEICO, Liberty Mutual, and Progressive.
Comparing car insurance quotes when your policy is ready to renew can save you about 30%.
Even if you’re happy with your current car insurance and premium, comparing is still a good idea, especially if you’ve experienced recent life changes like getting married or adding another driver to your policy.
Insurify’s team of expert insurance editors and data analysts examined the average monthly rates of every major national and regional insurance company for every state and different driver profiles. This article will help you better understand how to compare car insurance quotes to find the best policy for your needs at the best price available to you.
How to compare car insurance rates without getting spammed
Using a car insurance comparison site takes a lot of hard work off your plate. You can get quotes from multiple insurance companies without having to re-enter your information again and again.
But not all “comparison” sites will give you the same results. Lead-generation sites look like comparison websites, but they’re really just gathering your personal information to sell to their marketing partners. Instead of multiple quotes, you’ll likely see none at all. Instead, you could get unwanted calls and emails — including ones from companies that have nothing to do with insurance.
A true comparison site like Insurify will be clear about its data and privacy policies, and will tell you up front that it’ll protect you from spam.
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*Rates shown are actual quotes served to an Insurify customer.
How Insurify works
Insurify gives you real-time quotes from top national and regional insurance companies. We’re a licensed digital insurance agency in all 50 states and the District of Columbia. We never sell your information, so you don’t have to worry about getting spammed with unwanted phone calls or emails.
Our process is easy, and we can deliver your personalized quotes in minutes.
Get prequalified. Answer a few simple questions to help us understand your driver profile and insurance needs.
Compare real-time quotes. Our proprietary technology analyzes your information to deliver multiple personalized, highly accurate, real-time quotes from top insurers.
Close on a policy in minutes. Buy your insurance policy entirely online through our website or app, or talk to one of our agents to bind your policy in minutes.
Find Affordable Car Insurance
Minimum-coverage policies start at $27/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Why it’s important to compare car insurance
Multiple factors affect your car insurance rate, including your age, location, driving record, level of education, and the kind of car you drive. Each insurance company weighs these factors differently, so similar drivers may get very different prices for the same coverage types and limits.
The premium can vary by hundreds of dollars, depending on the insurance company. For example, young drivers typically pay more for car insurance than other age groups.
Car insurance rates also vary widely by insurer — even for the same type of driver. For example, full-coverage insurance from State Farm averages $116 per month, while the same coverage from Liberty Mutual costs about $245. But Auto-Owners offers full coverage for just $72 per month.
It’s a good idea to compare personalized quotes every six months, as the marketplace changes quickly. Be sure that all the quotes have the same types of coverage for an apples-to-apples comparison. Here’s a look at average monthly rates from top companies Insurify partners with.
Car Insurance Rates by Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Editor Insight
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Evelyn Pimplaskar
Editor-in-Chief, Director of Content, Insurify
Our car insurance premium actually went down at renewal, when I was expecting it to go up. I still compared rates from other insurance companies. I didn’t find a lower rate. But it only cost me a few minutes to get peace of mind that staying with my current company really was a good deal.
Everyone wants to find reliable car insurance coverage at the cheapest rate. But the quality, reputation, and financial strength of the insurance company are also important in the event of a claim. The Insurify Quality Score evaluates insurance companies on these factors, as well as price.
Recent quotes for other Insurify users
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $72/mo for full coverage.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 17, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Three ways to compare car insurance quotes
You have multiple options for comparing car insurance rates. You can turn to a digital agency, a comparison site, a lead-generation website, or work directly with insurance companies. Each option has advantages and disadvantages.
Here’s how Insurify’s digital agency stacks up to other comparison-shopping platforms and buying directly from car insurance companies.
Comparison Factor  | Insurify | Lead-Generation Sites | Insurance Company |
|---|---|---|---|
| Sells data | No | Yes | No |
| Real-time quotes | 6 | 0-2 | 1 |
| Custom quotes | Yes | No | Yes |
| Spam risk | None | High | Low |
| Insurance partners | 120+ | Varies | 1 |
| Time to quote | <5 minutes | Varies | Varies |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Don’t take our word for it
What you need to compare car insurance
To provide you with the most accurate quotes, we need some basic information, including your:
Name
Driver’s license
Age
Gender
Driving record
ZIP code
Make and model of your vehicle
You’ll also need to tell us the level of coverage you want — liability only or full coverage — your policy limits, and desired deductible. You can get most of this info from your existing car insurance documents, like a declarations page, or your insurance ID cards.
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How to get the best value in car insurance
Insurance companies set premiums, but you’re still in the driver’s seat when it comes to the auto insurance rates you qualify for. Let’s look at steps you can take to get the best coverage at the lowest rates available to you. We’ll also break down the effort and potential savings for each step.
Practice safe driving habits
Potential savings: 34%+
Effort: Moderate
Safe drivers are less likely to get into accidents, and insurers reward them with lower rates. Avoid risky driving behaviors like speeding, hard braking, distracted driving, tailgating, and driving under the influence. Always use your seat belt and turn signals.
Compare car insurance rates
Potential savings: 30%
Effort: Very low
Don’t settle for the first quote you get. Shopping around and comparing rates from different companies can help you find the best deal available to you.
Look for discounts
Potential savings: 2%–12%
Effort: Low
Many insurance companies offer an array of discounts that can lower your car insurance bill. Always ask about potential savings, such as multi-policy, multi-car, safe driver, and student discounts.
Maintain good credit
Potential savings: 29%–45% (depending on credit rating)
Effort: High
Many states allow insurers to consider your credit history, which they use to generate a credit-based insurance score. Insurers use your credit-based insurance score to predict your likelihood of filing insurance claims. Better credit usually leads to lower car insurance rates. Poor credit usually results in higher rates.
To work on your credit, check your credit history and score regularly. Pay all your bills on time every month, and avoid maxing out your credit cards.
Liability-only coverage vs. full coverage
Generally, auto insurers offer two main coverage types: liability-only (often called minimum coverage) or full-coverage car insurance.
Liability-only coverage
Good for: Drivers with older, paid-off vehicles
Every state except New Hampshire requires drivers to have at least a minimum amount of liability insurance. Liability coverage pays for property damage or bodily injury to others that you caused in an at-fault accident. It doesn’t pay to repair or replace your own car after an accident you caused.
Minimum coverage car insurance may make sense if you drive an older, paid-off vehicle, or if the cost to repair or replace your vehicle wouldn’t justify the expense of full-coverage car insurance.
Full coverage
Good for: Drivers who need or want to protect their own vehicles
Full-coverage policies are the best option for new cars or high-value vehicles, which would cost a lot to repair or replace. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage to protect its investment in your vehicle.
Full-coverage car insurance includes liability coverage for at least your state’s required minimum, plus collision and comprehensive coverages for your vehicle. Collision coverage pays for damage to your vehicle if you hit another vehicle or an object like a tree, light pole, or road sign. Comprehensive coverage pays for damage from non-collision events, such as vandalism, falling objects, fire, hail, or wind, and pays you the cash value of your car if someone steals it.
Optional coverages
Most insurance companies also offer optional coverages. Depending on your state requirements, financial situation, or personal preferences, you may consider adding one or more of these coverages to your policy:
Uninsured/underinsured motorist coverage: UI/UIM coverage can pay if an uninsured or underinsured driver causes damage to your vehicle or injures you or your passengers.
Medical payments coverage: Also known as MedPay, medical payments coverage pays medical bills for you and your passengers, without any required deductible or copay — up to your coverage limits.
Personal injury protection: Personal injury protection (PIP) covers your medical bills and can also pay for non-medical expenses, like loss of wages if you can’t work because of accident-related injuries.
Gap insurance: Also called guaranteed asset protection, gap coverage can help pay off your car loan or lease if your vehicle is totaled and the insurance payout is less than your loan or lease balance.
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Unlock savings and discounts when you compare rates through Insurify
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Based on 3,806+ reviews
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Best car insurance companies in 2025
The best car insurance company for you depends on your needs and budget. Affordability strongly factors into Insurify’s analysis, but our editors also looked at company complaint information, customer satisfaction rates, financial strength, and availability.
Best insurer overall for car insurance: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.1
Best choiceBased on 11,309 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,055)
Amy
Verified Review
State Farm
Reviewed in North Carolina on July 2025
I like how they cover a lot of needs, but I hate how expensive it is.
Gerald
Verified Review
Keep them confused
Reviewed in Alaska on July 2025
Everyone says they have the best rates for seniors, but they keep shoving more paperwork at you, and it’s very frustrating.
Steve
Verified Review
Too high, too much!
Reviewed in Louisiana on July 2025
Very good company, but their rates keep skyrocketing! Can't afford them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is our best overall insurer because it ranks highly for customer service and offers some of the best rates and multiple discounts. Its car insurance rates are well below the monthly national average.
State Farm received the best customer satisfaction and insurance shopping experience ratings from consumer insights agency J.D. Power in 2023. It’s widely available as the largest U.S. insurer by market share and has a below-average company complaint index, according to the National Association of Insurance Commissioners (NAIC).
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Best insurer for discount seekers: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
4.5
Best choiceBased on 468 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (237)
Richard
Verified Review
American Family Insurance
Reviewed in Florida on May 2025
Purchased through Costco and it originally saved me a lot of money.
Scott
Verified Review
Check the Fine Details
Reviewed in Oregon on May 2025
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
Matt
Verified Review
Pricing Themselves Out of Customers!
Reviewed in Oregon on April 2025
The price of our policies has increased faster and higher than the competition. Our local agents are great to deal with. Customer service is much better than the last company I was insured with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family offers 18 discounts, the most out of our top insurers. Drivers can secure more savings with standard options like multi-vehicle, good student, and good driving discounts. American Family also offers generational, young volunteer, low-mileage, auto-pay, and loyalty discounts.
Though American Family only offers insurance in 19 states, it’s known for its quality customer service, affordable rates, and many discounts. It has a low company complaint index with the NAIC and ranks highly for customer satisfaction and insurance shopping experience, according to J.D. Power.
Pros
High rates of customer satisfaction
Save by bundling auto with home, renters, or motorcycle coverage
Much lower-than-average number of consumer complaints with the National Association of Insurance Commissioners
Cons
Only available in 19 states
Rates are merely moderate compared to other insurers
No rideshare insurance coverage
Best insurer for drivers with an incident: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
4.0
Best choiceBased on 12,010 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,437)
Jon
Verified Review
I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.
Reviewed in Washington on July 2025
I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.
Richard
Verified Review
Pricing Information
Reviewed in Florida on July 2025
They quoted me one price, but when I called them back, they gave me another, higher price.
Jacq
Verified Review
My policy is expensive and customer service is lacking
Reviewed in New Jersey on July 2025
I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers competitive rates. But its average insurance premiums for high-risk drivers are less than half the national average for that category, Insurify data shows.
GEICO can also file SR-22 or FR-44 forms with state motor vehicle departments on your behalf, and it offers numerous discounts that can further lower your premium. GEICO, the third-largest U.S. auto insurer by market share, is available in all 50 states, offers multiple insurance products, and scores high for customer satisfaction and financial strength, making it a popular choice for auto insurance.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
Factors that affect your car insurance rates
Figuring out car insurance rates isn’t straightforward — many factors unique to you play a role. These are some factors that affect your car insurance rates:
Credit history
Driving record
Insurance history
Age and gender
Miles driven
Location
Marital status
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Expert Insight
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Mallory Mooney
Director of Sales and Service, Insurify
Coverage is specific to each person, location, and car. You may need to review your personalized policy periodically. What worked when you bought a new car might not be applicable 10 years later. You may not need the same coverages your parents carry, and your premium will be different from your family’s and friends’.
The average annual cost of car insurance
Car insurance rates can vary for a number of reasons, but comparing your rate to averages at the national and state levels could help you understand how much you might pay. Currently, the national average cost for full-coverage car insurance is $192 per month; liability coverage averages $107 per month.
Insurify data shows that car insurance rates increased 15% in 2024. Our analysts predict drivers will see rates climb another 5% in 2025.
Check out our latest car insurance report for more insight into how car insurance rates are changing.
Full-Coverage Car Insurance Rates by State
State | Average Annual Cost of Full-Coverage Insurance (2024) | Percentage Increase in 2024 | Projected Annual Cost of Full-Coverage Insurance by the End of 2025 | Projected Percentage Increase by the End of 2025 |
|---|---|---|---|---|
| Maryland | $4,060 | 53% | $4,255 | 5% |
| New York | $3,804 | 14% | $4,183 | 10% |
| District of Columbia | $3,399 | 24% | N/A | N/A |
| South Carolina | $3,393 | 29% | $3,603 | 6% |
| Florida | $3,166 | 9% | $3,484 | 10% |
| Delaware | $3,078 | 8% | $3,308 | 7% |
| Nevada | $2,973 | 1% | $3,214 | 8% |
| Louisiana | $2,820 | 1% | $2,944 | 4% |
| Colorado | $2,815 | 26% | $2,878 | 2% |
| Georgia | $2,815 | 21% | $3,052 | 8% |
| Michigan | $2,742 | 4% | $2,915 | 6% |
| Texas | $2,712 | 15% | $2,886 | 6% |
| California | $2,575 | 48% | $2,732 | 6% |
| Minnesota | $2,524 | 58% | $2,639 | 5% |
| New Jersey | $2,488 | 8% | $2,637 | 6% |
| Connecticut | $2,443 | 18% | $2,600 | 6% |
| Arkansas | $2,430 | 25% | $2,557 | 5% |
| Rhode Island | $2,425 | -1% | $2,487 | 3% |
| Mississippi | $2,277 | 28% | $2,390 | 5% |
| Virginia | $2,276 | 33% | $2,345 | 3% |
| Missouri | $2,204 | 29% | $2,310 | 5% |
| Kentucky | $2,171 | 10% | $2,288 | 5% |
| Pennsylvania | $2,114 | 38% | $2,209 | 4% |
| Oklahoma | $2,043 | 18% | $2,094 | 2% |
| Utah | $2,033 | 15% | $2,105 | 4% |
| Washington | $2,001 | 5% | $2,125 | 6% |
| Arizona | $1,973 | 10% | $2,063 | 5% |
| Illinois | $1,963 | 18% | $2,050 | 4% |
| Kansas | $1,940 | 10% | $1,977 | 2% |
| West Virginia | $1,906 | 5% | $1,918 | 1% |
| New Mexico | $1,900 | 13% | $1,900 | 0% |
| Montana | $1,868 | 15% | $1,901 | 2% |
| Oregon | $1,811 | 23% | $1,857 | 3% |
| Massachusetts | $1,803 | 30% | $1,816 | 1% |
| South Dakota | $1,759 | 0% | $1,838 | 4% |
| Alabama | $1,701 | 10% | $1,743 | 2% |
| Wisconsin | $1,681 | 22% | $1,730 | 3% |
| Tennessee | $1,665 | 6% | $1,740 | 4% |
| Nebraska | $1,663 | 14% | $1,734 | 4% |
| Indiana | $1,654 | 24% | $1,691 | 2% |
| Iowa | $1,582 | -5% | $1,640 | 4% |
| Vermont | $1,564 | 18% | $1,530 | -2% |
| Hawaii | $1,494 | 9% | $1,481 | -1% |
| Idaho | $1,484 | 13% | $1,485 | 4% |
| Wyoming | $1,474 | -3% | $1,506 | 2% |
| Ohio | $1,455 | 15% | $1,481 | 2% |
| North Carolina | $1,269 | 14% | $1,339 | 6% |
| North Dakota | $1,260 | -5% | $1,283 | 2% |
| Maine | $1,213 | 1% | $1,229 | 1% |
| New Hampshire | $997 | -1% | $981 | -2% |
Source: Insurify
Comparing auto insurance quotes FAQs
To help you navigate the twists and turns of comparing car insurance, check out the additional information below.
How much does car insurance cost?
The national averages for full-coverage and liability-only car insurance are $192 and $107 per month, respectively. But factors like age, gender, driving history, credit, and vehicle affect average car insurance costs. Your rates may be lower or higher than average based on your driver profile.
Does comparing car insurance affect your credit?
No, comparing auto insurance quotes doesn’t affect your credit score. Insurance companies typically do a “soft pull” to check your credit history, and they use that information to generate your credit-based insurance score. Soft inquiries don’t affect your score. Learn more about car insurance and credit.
How do you compare car insurance rates without risk of spam?
To avoid spam, compare car insurance rates on a quote-comparison site or car insurance search engine. These sites partner with insurance companies to provide you with real-time, highly accurate quotes. Avoid lead-generation sites, which gather your personal information and sell it to their partners — many of whom might not be insurance companies or agents. Learn more about how to compare car insurance quotes.
How does Insurify work?
Insurify is an online marketplace licensed to sell car insurance in all 50 states and Washington, D.C. We use proprietary technology to provide real-time quotes pulled from insurance companies’ own quoting engines. We use the information you provide to show you quotes as close as possible to the numbers insurers would quote you.
How does Insurify make money?
Insurify earns money through commissions, just like a car insurance agent does. If you buy a policy based on one of the quotes we show you, the insurer pays us a commission. You’ll never pay to use Insurify to compare quotes, and we’ll never sell your personal information to third parties.
Which company has the cheapest car insurance?
Based on Insurify data, COUNTRY Financial, Auto-Owners, and USAA offer the lowest average rates nationally. But since location is an important rating factor, your rates may vary from the national averages based, in part, on the state where you live.
How do you switch car insurance?
Switching car insurance companies may seem like a daunting task, but it can be easier than switching banks. You’ll need to decide what coverage you need, what limits and deductibles you want, and then compare quotes from multiple insurers.
Once you find a policy you want, be sure to secure the coverage — “binding” in insurance talk — before you cancel your old policy. It’s important to avoid a gap in coverage, which can raise your rates in the future, so you want your old policy to end the same day your new one begins.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sarah Archambault
Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare.
Sarah has been a contributor at Insurify since December 2022.
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.