Compare Car Insurance Rates All in One Place (October 2024)

Get real-time car insurance quotes with no risk of spam and no fees.

Sarah Archambault
Sarah Archambault
  • 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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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 October 13, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

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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.

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.

Cheapest recent rates

Drivers have found policies from Just Insure, Orion Indemnity Company, The General, and more, for rates as low as $34/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on October 10, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 10, 2024. 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 October 10, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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

Comparison shopping car insurance with Insurify gives you access to quotes from top national and regional insurance companies. The process is easy, and we can deliver your personalized quotes in minutes.

  1. Get prequalified. Answer a few simple questions to help us understand your driver profile and insurance needs.

  2. Compare real-time quotes. Our proprietary technology analyzes your information to deliver multiple personalized, highly accurate, real-time quotes from top insurers.

  3. 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 $17/mo.

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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 $121 per month, while the same coverage from Liberty Mutual costs about $254. But Auto-Owners offers full coverage for just $76 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

Evelyn Pimplaskar

Evelyn Pimplaskar

Linkedin

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.

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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 $39/mo for liability only and $55/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 10, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 10, 2024. 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 October 10, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 10, 2024. 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 dataNoYesNo
Real-time quotes60-21
Custom quotesYesNoYes
Spam riskNoneHighLow
Insurance partners100+Varies1
Time to quote<5 minutesVariesVaries
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.

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. 

How to get the best value 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/77597ef857/banking-96x96-blue_032-credit-card.svg

    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.

Coverages you might need

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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Best car insurance companies in 2024

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

Compare personalized, real-time quotes
User Reviews
3.2
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.
$55/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.
$121/mo

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

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read more driver reviews of State Farm
Mike - October 13, 2024
Verified

Excellent

Great people to work with.

Chad - October 13, 2024
Verified

Pricey

The coverage was good, but the rates kept increasing even though I had no tickets or claims.

Christin - October 13, 2024
Verified

Bad Experience

The quote was outrageous.

Best insurer for discount seekers: American Family

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User Reviews
3.4
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.
9.1/10
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.
$75/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.
$167/mo

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

  • Numerous discount and coverage options

Cons
  • Only available in 18 states

  • Rates are merely moderate compared to other insurers

Read more driver reviews of American Family
Linda - October 13, 2024
Verified

I really wanted to like them

The agent's response time is long and they become defensive over the phone.

Dean - October 12, 2024
Verified

My Review

It's okay, but I'm looking for alternatives due to recent rate increases.

Tammy - October 8, 2024
Verified

American Family Review

There's poor follow-up to communication attempts. I emailed my agent and have yet to receive a reply over two weeks later; this is not the first occurrence. Delays in communication have also happened with the corporate office.

Best insurer for drivers with an incident: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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.
$55/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.
$121/mo

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

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Read more driver reviews of GEICO
Becca - October 13, 2024
Verified

Disappointed

I thought I had roadside assistance, but ended up having to pay $140.00 for a tow.

Dorcas - October 13, 2024
Verified

Walk Away

Your insurance will increase even with an excellent driving record. I would not recommend this to any of my family and friends.

Mike - October 13, 2024
Verified

Poor

The cost is too high for me.

How your car insurance rate is calculated

Figuring out car insurance rates isn’t straightforward — many factors unique to you play a role. From your age and location to your driving record, let’s unpack how each factor can affect your insurance premiums.

Expert Insight

Mallory Mooney

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’.

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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 level could help you understand how much you might pay. Currently, the national average cost for full-coverage car insurance is $211 per month; liability averages $104 per month.

Insurify data shows that car insurance rates increased 24% in 2023. Our analysts predict drivers will see rates climb another 7% in 2024.

Check out our latest car insurance report for more insight into how car insurance rates are changing.


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 $211 and $104 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, NJM, and Auto-Owners 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sarah Archambault
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. 

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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