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Personal factors like who you are, where you live, what you drive, how you drive, and even your credit score used differently by each car insurance company to calculate your car insurance rates. You could have hundreds of coverage and cost options in front of you, and still not know how to proceed, decide which policy is just right for you, or determine if you’re even getting the best price.
That’s why Insurify provides easy and free car insurance quote comparison for all kinds of drivers nationwide. You’ll receive accurate quotes and discounts from top insurance companies in minutes! And our personal coverage recommendations ensure you’re not just getting the cheapest car insurance policy, but the most appropriate one, too.
Spend hours answering the same questions online or over the phone for each of the auto insurance companies in your area, during their specific business hours.
Get trapped by quote aggregation and lead generation sites that make money off selling your information to insurance agents.
Compare all your quotes and coverage limit options on your own, mining research from various sites and dodging calls from pesky robo-callers.
Frown.
Spend 5 minutes on Insurify’s trusted service site telling us about you, your car, and your coverage preferences.
Let Insurify instantly deliver side-by-side quotes from several national and regional auto insurance companies.
Read through your car insurance discounts and policy coverage recommendations before you buy online or over the phone.
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Start Saving Nowauto insurance companies must look further into each individual’s risk factors to determine a more accurate cost for their products.
Different features of your driver profile are weighed methodically by your insurer to determine how likely you are to file a claim.
After base rate premiums, insurance costs are as unique as you are, which is why auto insurance comparison is so important.
No need to fill out multiple, long application forms.
Get real, accurate, and cheap car insurance quotes from dozens of companies in one place.
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Many insurance companies heavily weigh where you live and drive because of geographically relative variables like population density, crime rates, and weather patterns.
Compare car insurance by state
Teen drivers have the most expensive car insurance premiums of any age, in every state. Luckily, insurance gets cheaper as you age and gain more experience on the road.
| Age Range | Average Rate (Monthly Premium) |
|---|---|
| 20 or younger | $387 |
| 21-30 | $253 |
| 31-40 | $192 |
| 41-50 | $202 |
| 51-60 | $182 |
| 61-70 | $168 |
| 71-80 | $186 |
| 80 or older | $216 |
Auto insurance rates can change rapidly over time: quotes tend to drop drastically for drivers after their teen years and start to rise again as they progress through elder adulthood.
Men tend to pay more expensive insurance rates than women drivers for the same type of coverage because men are more likely to speed, cause accidents, not wear their seatbelts, own a sports car or otherwise expensive new car, drive under the influence, and spend more time on the road.
| Gender | Average Rate (Monthly Premium) |
|---|---|
| Female | $170 |
| Male | $184 |
As a result, auto insurance quotes can vary by gender. The average female-identifying driver will spend about $14 less on her monthly premium than a male-identifying driver.
Car insurance premiums are more expensive for individuals who rent their homes compared to those who own them. Drivers who rent homes pay as much as 47 percent more for their car insurance coverage than their homeowner peers for the same coverage.
Elements of your driving history, like previous accidents, speeding tickets, and DUIs, are important to insurers. A minor violation attached to your driver’s license can increase your monthly bills by 20 percent.
Compare car insurance for high risk drivers
Car insurance companies take your vehicle make and model to indicate your likelihood of accidents, thefts, and claims. This vehicle information will also determine the purchase price, the average cost of repairs, and safety test results – all of which might factor into your car insurance policy.
Married individuals often have cheaper car insurance rates because they are involved in fewer car accidents than drivers who are single – including those who are divorced or widowed.
| Marital Status | Average Rate (Monthly Premium) |
|---|---|
| Single | $232 |
| Married | $218 |
Car insurance quotes presented to married drivers on Insurify were about $14 less than those for single drivers.
No matter who you are, Insurify’s got you covered. Whether you’re looking for just state minimum liability coverage or a full-coverage plan that includes comprehensive coverage and collision coverage, personal injury protection, or uninsured motorist coverage, Insurify can help you find a plan that has all the products you need so you can hit the road with confidence.
START SAVING NOWEven if you have a clean driving record, your auto insurance rates can increase depending on where you live.
Your premium rates can be even more expensive if you buy auto insurance through an insurer that covers a large portion of the drivers in your area.
As of 2019, Wyoming is the cheapest state for auto insurance coverage, with an average monthly premium of $28.
Michigan is the most expensive state for auto insurance coverage, with an average monthly auto insurance premium of $225.
![Average Monthly Car Insurance Rates by State [2021]](https://insurifycdn.com/gatsby/assets-1631886814-c5a23ca76/static/fa6eeedc9244e18ad8389d46ecd4d043/6671b/monthly-car-insurance-by-state-en-US.png)
| State | Average Rate (Monthly Premium) |
|---|---|
| Alabama | $51 |
| Alaska | $36 |
| Arizona | $67 |
| Arkansas | $51 |
| California | $86 |
| Colorado | $60 |
| Connecticut | $91 |
| Delaware | $85 |
| District of Columbia | $75 |
| Florida | $130 |
Living in a highly congested, urban area with heavy traffic is more likely to lead to car accidents and insurance claims. Your rates will be higher to offset these risks.
Living in a ZIP code with frequent incidents of vehicle theft and vandalism will cause your auto insurance rates to increase.
A location prone to severe weather like windstorms, hail, hurricanes, floods, and earthquakes will have more expensive auto insurance premiums to make up for car damage.
Living in an area that has a higher than average incidence of insurance claims, even fraudulent ones, will affect your insurance prices.
Your vehicle make and model affect how auto insurance companies calculate your premium rates.
Insurance providers look for specific risks that are most likely to follow your car compared to others on the road.
Of the 70 most popular car models on the road in 2017, the Toyota Tundra is the cheapest car to insure at an average of $140 a month.
The top 5 cheapest vehicle models to insure in the U.S. are Volkswagen, Kia, Mazda, Toyota, and Jeep with an average monthly premium rate of $143.
On the other hand, the Chevrolet Camaro is the most expensive car to insure at an average of $161 a month. Chevrolet is joined by Honda, BMW, Buick, and Acura as the top 5 most expensive car models to insure.
Driving a vehicle with a history of higher accident rates will increase your auto insurance premium rates.
Living in a ZIP code with frequent incidents of vehicle theft and vandalism will cause your auto insurance rates to increase.
Auto insurance companies offer safety discounts for certain features, but they don’t always make your auto insurance cheaper. Extra safety features can be expensive to repair or replace.
Driving a car model with a high number of claims, including fraudulent ones, will affect your premium rates.
Some vehicles’ parts are expensive to replace, which will most likely make your auto insurance premiums higher.
Your estimated annual mileage shows how much you’re on the road, and therefore how much risk you are at for an accident.
Auto insurers also take into account how you use your vehicle. A vehicle used to commute to and from work or school will be more expensive to insure because you most likely drive during peak traffic hours.
Teen drivers pay more than double for car insurance than middle-aged and senior drivers, with an average monthly premium payment of $541.
By the time a driver reaches their 20s, annual rates drop significantly each year and begin to rise slightly after age 60.
Men are usually quoted more expensive insurance rates than their female counterparts for the same type of coverage because accident statistics show men to be higher risk drivers.
By the time drivers enter their 30s, all genders generally pay the same amount for similar car insurance coverage.
Car insurance premiums for immigrants to the U.S. are more expensive than those of a natural born citizen.
Auto insurance is usually more expensive for drivers who drive for rideshare services like Uber or Lyft because they spend so much time on the road.
Using your personal car for business purposes will increase your auto insurance premiums because you’ll be at a higher risk for accidents.
Married individuals are often quoted cheaper car insurance rates than drivers who are single, including those who are divorced or widowed.
Most married couples as less active and more cautious than their single peers. When it comes to driving, they’re less likely to be involved in an accident.
Auto insurance premiums are more expensive for individuals who rent their homes compared to those who own.
Drivers who rent homes pay as much as 47 percent more in auto insurance coverage costs than their homeowner peers for the same coverage.
Auto insurance is generally cheaper for active military personnel and veterans compared to nonmilitary citizens.
Auto insurance companies who serve the general public offer discounts as high as 15 percent to military members and their families.
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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
