Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Mark FriedlanderDirector, Corporate Communications
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 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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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.
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To help you better understand how to compare car insurance quotes to find a better policy, Insurify's team of insurance experts developed a comprehensive guide with the average rates from every major auto insurance company for every state and different driver groups.
Quick Facts
Car insurance rates for the same driver may vary significantly between different companies.
Differences in companies and quotes make it important to compare car insurance if you want to save money.
The average American driver pays $139 a month for car insurance.
Comparing quotes with Insurify can save you up to $717 a year.
Why you should compare car insurance
Car insurance companies currently face historic losses that are driving car insurance rates higher. Insurers will likely continue increasing prices for the foreseeable future. Comparison shopping for car insurance is the best way to find the best coverage at the cheapest rate available to you. It’s a good idea to compare personalized quotes every six months, as the marketplace changes quickly.
Several factors determine your rate, including your age, location, driving record, level of education, and the kind of car you drive. Each insurance company has its own unique way of weighing these factors, which is why the same policy may be priced differently based on where you’re getting a quote from.
As an independent insurance agent licensed in all 50 states and Washington, D.C., Insurify can help you find personalized quotes. By delivering quotes customized to your driver profile and needs, Insurify can help you save on car insurance – our users save up to $717 annually.
Price is just one factor to consider when buying a policy. It’s also important to consider payment options, additional coverage, or special programs an insurance company may offer.
How to compare car insurance rates with Insurify
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.
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 policy entirely online, through our website or app, or talk to one of our agents to bind your policy in minutes.
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Compare the cheapest car insurance companies
Everyone wants to find reliable car insurance coverage at a competitive rate. But the quality of the insurance company is also important when you compare car insurance. Insurify's team of data scientists, editors, and insurance writers put together the following table to help you make more informed insurance-buying decisions.
The data illustrates the average monthly quote for full-coverage insurance from well-known names in the industry. It also lets you easily compare the companies’ Insurify Quality Score, which evaluate companies based on 15 criteria, including:
Customer satisfaction
Customer support
Cost
Customization
Transparency
Financial strength
Availability
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Why Insurify?
70 million
quotes offered
44 million
saved in car insurance costs
Up to $717
average savings per year
70+
insurance carriers to compare quotes
How lead-generation sites and insurance carriers stack up
You have multiple options for comparing car insurance rates. You can turn to a comparison site like Insurify, a lead-generation website, or work directly with insurance companies. Each option has advantages and disadvantages.
Here’s how Insurify stacks up to other comparison-shopping platforms and buying directly from car insurance companies.
Insurify
Lead-Generation Sites
Insurance Carrier
Sells data to third party companies
No
Yes
No
Amount of real-time quotes received
8
0-2
1
Provides personal quotes
Yes
No
Yes
Risk of spam
None
High
Low
Fees
None
None
None
Insurance provider partners
200+
Varies
1
How long it takes to get a quote
Less than 5 minutes
Varies
Varies
Don't take our word for it
Getting new car insurance seemed like a daunting task. I received quotes from multiple carriers, and the best service and rate I found by far was at Insurify. Patty made the whole process smoother and was very helpful and insightful. I would recommend it to everyone!
Silvia R. - February 11, 2023
Verified
I’m glad I visited your website. The agent I spoke with was very knowledgeable and went way out of his way to make sure I was getting the best price and coverage. If I ever need new insurance again, I’ll be coming back here for sure. Insurify saved me a bunch of money!
Scott P. - December 1, 2022
Verified
After searching for car insurance for a few days, Insurify found the best and easiest policy for me. Thank you so much!
Generally, you can buy two main types of car insurance: liability-only or full-coverage car insurance.
Liability-only coverage: Good for drivers who want to keep costs low
Liability insurance pays for property damage or bodily injury you cause to others in an accident. It’s typically just enough coverage to meet your state’s minimum requirements, and nothing more. It provides essential financial protection for bodily injury and property damage liability if you’re in an accident. When you choose this minimum coverage, you don’t get protection for your own vehicle.
A liability-only policy may make sense if the cost to repair or replace your vehicle doesn’t justify the additional expense of full coverage, or if you’re on a tight budget and prioritize lower premiums over comprehensive protection. It may also be suitable if you frequently use public transportation and don’t spend much time behind the wheel.
Full coverage: Good for drivers who want more coverage for their own vehicle
Full-coverage car insurance includes liability coverage for at least your state’s minimum insurance requirements, plus comprehensive and collision coverage for your car. In addition to covering damages you cause to others in an accident, a full-coverage policy can help pay to repair or replace your own vehicle.
Full coverage is a great option for new or high-value vehicles. Collision and comprehensive coverages can save you from significant financial losses due to accidents, theft, and natural disasters. If you lease or finance your car, your lender or leasing company will require you to carry full coverage.
Additional car insurance coverages to consider
In addition to liability, comprehensive, and collision coverage, most insurance companies offer a range of supplemental coverages, including:
Uninsured and underinsured motorist coverage
You can’t control another driver’s insurance decisions. Uninsured and underinsured motorist coverage protects you against drivers who don’t have adequate coverage. If they don’t have insurance to pay for the damage they cause, this coverage steps in for you. UM/UIM also provides coverage for hit-and-runs.
Medical payments coverage
When accidents result in medical bills, medical payments coverage can help. It’s financial protection for you and your passengers, no matter who’s at fault for the accident. Most medical payments policies cover doctor visits, hospital stays, surgery, X-rays, and other medical expenses.
Personal injury protection
Accidents can disrupt your life. Personal injury protection (PIP) goes beyond medical bills, covering lost wages and other related expenses. It helps you keep your life moving even after an accident. A dozen states require drivers to carry PIP, while it’s unavailable or optional in others.
Gap insurance
If your car is totaled, your insurance payout might not be sufficient to pay off your loan or lease. Gap insurance covers this difference, shielding you from unexpected out-of-pocket expenses.
The best car insurance companies
A reputable car insurance company that fits your budget and provides robust coverage, quality customer service, and timely claims management is a tall order. Here are some factors to keep in mind while comparing car insurance companies:
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$51/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.
$108/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$52/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.
$112/mo
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.
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
Good communication
John - February 4, 2023
Verified
They offer the best rate.
Shannon - February 1, 2023
Verified
Any time I called them, they were on top of it and gave me an answer right away.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$45/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.
$98/mo
In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.
Pros
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$89/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.
$196/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
A.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+
In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Numerous discount and savings opportunities
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Cons
Not available in every state
Some discounts and programs not available in all states
Reliable when needed; will fight for you; good discounts for being a loyal customer. They’re on your side.
Alexander - December 4, 2022
Verified
Premiums are high and they dropped us after two claims.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$61/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.
$134/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$84/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.
$152/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
Very good service but too expensive
Dewey - February 2, 2023
Verified
I called with questions; the answers were complete and to the point.
Finding affordable coverage doesn’t have to be a chore. Here’s how to secure the cheapest rates without sacrificing quality coverage:
Compare car insurance rates. Don’t settle for the first quote you get. Shopping around and comparing rates from different companies can help you find the best deal.
Look for discounts. 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 a good credit score. Insurers view a good credit history as an indication of financial responsibility, which leads to fewer claims and lower premiums. Make sure you check your credit score regularly and take steps to improve it.
Practice safe driving habits. A clean record free of any traffic violations is appealing to insurers. Safe drivers are less likely to file claims, and insurers reward them with cheaper rates.
Types of car insurance discounts
Car insurance discounts can lead to substantial savings, especially if you qualify for more than one. Here are some common types of car insurance discounts:
Driving history discounts: You could be eligible for driving history discounts if you have a clean driving record without accidents or traffic violations. You might also qualify if you complete a defensive driving course.
Vehicle-related discounts: Your vehicle can influence your insurance premiums. Features like anti-lock brakes, anti-theft devices, and new safety technologies can qualify you for vehicle-related discounts.
Affiliation discounts: Being part of certain groups or organizations can unlock lower premiums. You could be eligible for affiliation discounts if you’re an active-duty military member, a federal employee, or a member of a partnered organization or alumni group.
Driver-specific discounts: These discounts link savings to the individual driver. For example, you could qualify for a specific discount if you’re a student with good grades, a senior driver, or part of a professional group.
Policy-related discounts: How you manage your policy can also equal savings. You may be eligible for policy-related discounts by opting into paperless billing, setting up automatic payments, or paying your full premium up front. You can also bundle multiple insurance products, like home and auto, with the same company to lower your costs.
Compare Quotes to Unlock Lower Premiums
Score the best car insurance rates for your credit.
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Based on 3,806+ reviews
4.8/5
FAQs about comparing auto insurance quotes
If you still have questions about how car insurance works, check out Insurify’s articles on how to compare car insurance rates, the average cost of car insurance, and how to switch your car insurance. To help you navigate the twists and turns of comparing car insurance, here are answers to the most common questions.
Who has the cheapest car insurance?
Auto-Owners, USAA, and State Farm have the cheapest car insurance. However, the best rates vary and can depend on individual circumstances, such as location, vehicle, and personal profile. Comparing quotes from multiple insurers is the best way to find an affordable policy.
How much does car insurance cost?
On average, drivers can expect to pay around $139 per month for car insurance. Your premium could be higher or lower, depending on factors like your age, gender, driving record, credit history, location, type of vehicle and claims history. Your choice of insurance company can also affect your car insurance costs. Get accurate estimates of your car insurance costs with Insurify's car insurance calculator.
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 use that information to generate your credit-based insurance score. Soft inquiries don’t affect your score.
What is the best car insurance company?
Travelers stands out as the best car insurance company for most drivers. It combines affordable monthly premiums and a high Insurify Quality Score, reflecting the company’s overall quality. However, the right coverage for you depends on your specific needs and circumstances.
How much car insurance do you need?
The amount of car insurance you need depends on several factors, including the value of your car, your financial situation, and your state’s minimum requirements. You want enough to protect yourself financially in case of an accident but not so much coverage that you end up overpaying.
Where can you compare car insurance quotes?
Car insurance comparison sites are the best place to compare car insurance quotes. Platforms like Insurify let you compare rates and coverage from multiple insurers in one place to help you get the best deal.
What is liability car insurance?
Liability car insurance includes bodily injury and property damage liability that meets yourstate’s minimum insurance requirements. It can cover medical expenses if you’re at fault for an accident and the costs to repair property damage you may cause to others.
What is comprehensive car insurance?
Comprehensive car insurance pays for damage to your car from noncollision events, like theft, fire, natural disasters, and vandalism. It’s usually optional unless your lender requires it when you finance or lease a vehicle.
Why is your car insurance so expensive?
Many factors are driving car insurance rates higher. An increase in the frequency and severity of accidents, injuries, fatalities, and vehicle thefts are creating more and costlier claims. Inflation is raising the price of auto parts and labor, which also makes claims more expensive. As claims become more expensive, insurers must raise rates to cover their losses.
How do car insurance deductibles work?
A car insurance deductible is the amount you pay out of your own pocket before your comprehensive or collision insurance coverage kicks in to pay for a covered loss. Higher deductibles usually mean lower premiums, but you’ll pay more if you file a claim. Liability coverage does not have a deductible.
How do you cancel car insurance?
To cancel car insurance, you must notify your insurer or agent and may need to sign a cancellation form. Some insurers may charge a fee for cancelling your policy before the renewal date. Make sure you have a new policy in place before canceling to avoid a lapse in coverage, which can lead to higher rates.
Compare car insurance rates by make and model
Your vehicle’s make and model influence your car insurance rate depending on how easy it is to replace the vehicle’s parts and how much it typically costs to make repairs. For this reason, luxury cars are more expensive to insure than standard models. Overall, sedans are the most expensive car type to insure, while minivans are the cheapest.
Cheapest
Known for their accessible pricing and dependability, insurance for Fiat, Buick, and Subaru vehicles costs the least.
Fiat$126/mo
Buick$128/mo
Subaru$133/mo
Most Expensive
Not only do these car brands make cars that have high starting prices, but they're also the most expensive to insure.
Alfa Romeo$255/mo
Maserati$243/mo
Tesla$242/mo
Car insurance rate factors
Figuring out car insurance rates isn’t straightforward — many factors unique to you play a role. From your age and location to your vehicle’s make and model, let’s unpack how each factor can affect your insurance premiums.
Your location
The state where you live and drive heavily affects your car insurance rate. Variables like legislation, population density, crime rates, and weather patterns affect your likelihood of filing a claim.
Nearly every state requires drivers to have bodily injury liability and property damage liability insurance. You’ll need to buy at least your state’s minimum coverage requirements, and you may choose higher coverage limits if you want more protection.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age
Age significantly affects how insurers assess your risk of filing a claim. Young drivers typically pay more for car insurance due to a lack of driving experience and a higher accident rate. Specifically, Insurify data shows that, on average, 18-year-old drivers pay premiums that are 95% higher than 25-year-old drivers.
Teen drivers can see their monthly premiums drop $96 from ages 18 to 19 and another $46 at age 20. By the time a motorist reaches 30, they can expect to pay an average of 55% less in premiums than when they were 18.
Age
Average Monthly Quote
18
$658
19
$562
20
$516
25
$337
30
$298
35
$289
40
$279
50
$268
60
$249
70
$256
80
$292
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.
Your driving record
A clean driving record can help you lower your car insurance bill. Among the top companies, USAA offers the most affordable rates for drivers with a clean record, with an average monthly quote of $103. However, speeding tickets can increase your rates by 21%, while at-fault accidents can increase your rates by 27%.
Having a DUI can have an even bigger effect. For instance, a policy from Allstate costs an average of $79 more every month for drivers with a DUI. That adds up to nearly $950 a year, which your insurer will add as a surcharge to your renewal premium for at least three years.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your credit score
In most states, insurers use a credit-based insurance score to predict your chances of filing a claim. A higher credit score can often lead to lower premiums. Insurers can’t consider credit scores when calculating insurance rates in California, Hawaii, Massachusetts, and Michigan.
Rates by Credit Tier
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.
Methodology
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across driver ages, genders, credit scores, and driver profiles.
The average annual cost of car insurance
Car insurance rates rose 17% in the first six months of 2023, and may rise a further 4% before the end of the year, according to Insurify’s latest report on car insurance price trends. This staggering increase is mainly the effect of rising prices for auto parts and more frequent and costly claims due to climate change.
“More vehicles are being caught and destroyed in fires and floods, and ice is sticking around longer, increasing the likelihood of collisions,” says Betsy Stella, vice president of carrier management and operations at Insurify. “This has led to auto insurers paying a higher number of — and a higher price for — customer claims. As a result, customers are seeing higher premiums as insurers increase prices to cover these losses.”
As insurers continue to file for rate increases in several states to cope with rising losses, drivers can expect to see higher premiums on renewal over the next 12 to 18 months. Now is as good a time as ever to shop around for a policy and compare rates so you can ensure you’re getting a good deal on your policy.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Mark FriedlanderDirector, Corporate Communications
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 has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.