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Compare car insurance rates (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

| Reviewed by licensed insurance agent, Donald Hepworth

Last Updated May 18, 2022

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Auto Insurance Quotes Comparison: Everything You Need to Know

Car insurance rates differ widely, which is why it’s important to compare quotes before buying a policy. Your rate is determined by several factors, like your age, location, driving record, level of education, and the kind of car you drive. Each insurance company weighs these uniquely, which is why the same policy may be priced differently based on where you’re getting a quote from.
To help you better understand how car insurance quotes work and how to compare them to find a better policy, we’ve developed a guide complete with the average rates for different driver groups.

Quick Facts

  • The average American driver pays $136 a month for car insurance.
  • Those who compare quotes before buying a policy can save up to $996 a year.
  • Younger drivers, drivers with bad credit, and drivers with a history of driving violations pay the highest rates in the country.

Compare Car Insurance Quotes by Age

Insurance rates vary dramatically with age. Teen drivers have the most expensive car insurance premiums of any age group in every state, and drivers under 25 are generally categorized as high-risk drivers. Luckily, insurance gets cheaper as you age[1] and gain more experience on the road. Drivers in their 30s pay almost 55 percent less than teen drivers, and drivers in their 40s pay even less.

Senior drivers in their 50s and 60s benefit from the cheapest car insurance rates of any age group. On average, drivers in their 60s with a clean record can expect to pay 65 percent less than an 18-year-old. However, rates will increase again once drivers reach 80. Drivers in their 80s pay about 21 percent more for their car insurance policies than drivers in their 60s.

AgeAverage Cost of Car Insurance
Teens$257
20s$161
30s$116
40s$106
50s$94
60s$91
70s$101
80 and above$110

Compare Car Insurance Quotes by State

The state where you live and drive heavily affects your car insurance rate because variables like legislation, population density, crime rates, and weather patterns affect your likelihood of filing a claim.

According to Insurify’s data, Michigan is the most expensive state for car insurance, with residents paying an average of $238 a month for coverage, while Hawaii has the least expensive car insurance, with residents spending an average of $69 a month on car insurance. Check out how much the average resident in your state pays for car insurance below.

Heatmap of the US for car insurance

StateCheapest Insurance CompanyAverage Cost of Car Insurance
AlaskaMidvale Home & Auto$96
AlabamaNational General$64
ArkansasProgressive$69
ArizonaMetromile$45
CaliforniaMetromile$61
ColoradoSun Coast$87
ConnecticutKemper Preferred$81
Washington DCTravelers$93
DelawareMidvale Home & Auto$131
FloridaAssurance­America$100
GeorgiaProgressive$87
HawaiiFarmers$60
IowaTravelers$54
IdahoTravelers$43
IllinoisUSH&C$26
IndianaProgressive$54
KansasTravelers$73
KentuckyProgressive$90
LouisianaNational General$119
MassachusettsTravelers$38
MarylandTravelers$108
MaineKemper Preferred$43
MichiganSafeco$120
MinnesotaKemper Preferred$73
MissouriTravelers$73
MississippiNational General$60
MontanaTravelers$62
North CarolinaDirect Auto$38
North DakotaMidvale Home & Auto$70
NebraskaTravelers$57
New HampshireTravelers$55
New JerseyPlymouth Rock$107
New MexicoTravelers$72
NevadaSun Coast$97
New YorkTSC Direct$83
OhioTravelers$51
OklahomaProgressive$71
OregonMile Auto$62
PennsylvaniaMetromile$50
Rhode IslandSafeco$97
South CarolinaKemper Preferred$75
South DakotaMidvale Home & Auto$75
TennesseeNational General$57
TexasProgressive$75
UtahSun Coast$57
VirginiaMetromile$38
VermontTravelers$56
WashingtonProgressive$81
WisconsinTravelers$56
West VirginiaProgressive$69
WyomingSafeco$64

Compare Car Insurance Quotes by Driving History

Your driving history, which includes any previous accidents, speeding tickets, and DUIs, gives insurers an indication of how likely you are to file a claim.

Premiums can differ significantly across companies for one driver with the same record due to the different ways insurers assess risk. Additionally, some insurance companies specialize in insuring high-risk drivers with less-than-perfect driving records. That’s why it’s critical to compare quotes—you never know which company could give you the best deal.

Regardless of your driving history, Insurify has resources for drivers with all kinds of driving records. Check these out:

Quote Price by Driving Violation

Clean Record
$128
Failure to stop at red light
$158
Speeding
$159
Failure to stop at stop sign
$160
At-fault accident
$167
Negligent driving
$172
Failure to stop for school bus
$183
Careless driving
$183
Tailgating
$184
DUI
$243

Compare Car Insurance Quotes for Drivers with a DUI

Drivers who have been caught driving under the influence typically have to pay a whopping 97 percent more for their car insurance policy compared to drivers with a clean driving record.

In addition to facing higher car insurance premiums, drivers with a DUI may also find it difficult to find an insurance company willing to file an SR-22 form on their behalf. Check out some of the cheapest SR-22 insurance quotes below:

Insurance CompanyAverage Quote for Driver with Clean RecordAverage Quote for Driver with DUI
21st Century$87$171
Acuity$78$155
Dairyland$130$256
Elephant$93$182
Farmers$53$104
First Chicago$75$147
Bristol West$125$247
GAINSCO$114$225
The General$155$304
National General$93$182
Hallmark$178$351
Infinity$180$354
Kemper$121$238
Liberty Mutual$143$282
Mercury$123$242
Foremost Signature$83$164
Nationwide$106$209
Plymouth Rock$100$196
Progressive$97$191
SafeAuto$108$213
Safeco$98$193
State Auto$98$196
Travelers$88$173
Freedom National$115$226
Anchor$79$157
Arrowhead$236$464
Aggressive$140$275
Everest National$221$435
Stillwater$154$306
Workmen's$110$216
Metromile$48$95
Aspire General$95$187
Direct Auto$100$196
Pronto$211$415
Alinsco$144$283
Clearcover$90$178
Jupiter$122$240
USH&C$57$113
Sun Coast$88$174
AssuranceAmerica$129$254
Mile Auto$82$161
TSC Direct$80$159
USA Underwriters$135$267
Kemper Preferred$78$114
Kemper Specialty$107$211
Commonwealth Casualty$123$242
Apparent$90$177
Verti$98$193
Aspen$137$269
Quantum$165$324
Texas Ranger$140$276
Midvale Home & Auto$123$242
Novo$79$155
Bluefire$101$202
Amigo America$161$317
InsureMax$134$265
Amigo USA$66$130

Compare Car Insurance Quotes for Drivers with an Accident on Record

Drivers with an at-fault accident on their record pose a higher risk to insurance companies than those with a clean record. These drivers pay an average 41 percent more for car insurance than drivers with a clean record.

Take a look at car insurance rates for drivers with an accident on their record below:

Insurance CompanyAverage Quote for Driver with Clean RecordAverage Quote for Driver with Accidents
21st Century$87$103
Acuity$78$152
Dairyland$130$186
Elephant$93$123
Farmers$53$84
First Chicago$75$112
Bristol West$125$174
GAINSCO$114$160
The General$155$227
National General$93$125
Hallmark$178$249
Infinity$180$248
Kemper$121$169
Liberty Mutual$143$168
Mercury$123$195
Foremost Signature$83$104
Nationwide$106$149
Plymouth Rock$100$104
Progressive$97$97
SafeAuto$108$147
Safeco$98$137
State Auto$98$181
Travelers$88$104
Freedom National$115$164
Anchor$79$94
Arrowhead$236$313
Aggressive$140$179
Everest National$221$366
Stillwater$154$208
Workmen's$110$134
Metromile$48$66
Aspire General$95$131
Direct Auto$100$157
Pronto$211$295
Alinsco$144$226
Clearcover$90$126
Jupiter$122$189
USH&C$57$103
Sun Coast$88$141
AssuranceAmerica$129$187
Mile Auto$82$121
TSC Direct$80$91
USA Underwriters$135$157
Kemper Preferred$78$101
Kemper Specialty$107$167
Commonwealth Casualty$123$211
Apparent$90$125
Verti$98$107
Aspen$137$292
Quantum$165$233
Texas Ranger$140$214
Midvale Home & Auto$123$192
Novo$79$96
Bluefire$101$104
Amigo America$161$180
InsureMax$134$202
Amigo USA$66$86

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.

The top three cheapest car brands to insure in the U.S. are Fiat, Buick, and Subaru. These car makes are known for their economical pricing and structural dependability, which is reflected in their lower car insurance rates.

On the other hand, the most expensive car brands to insure include Alfa Romeo, Maserati, and Tesla. Not only are these cars expensive to purchase, but their insurance premiums will set you back thousands every year.

Cheapest

Known for their accessible pricing and dependability, insurance for Fiat, Buick, and Subaru vehicles costs the least.

  1. Fiat
    $126
  2. Buick
    $128
  3. Subaru
    $133
Most Expensive

Not only do these car brands make cars that have high starting prices, but they're also the most expensive to insure.

  1. Alfa Romeo
    $255
  2. Maserati
    $243
  3. Tesla
    $242

Compare Car Insurance Quotes by Driver’s Credit Score

Historically, drivers with a lower credit score are more likely to file insurance claims, presenting a higher risk to insurance companies. As a result, insurers take your credit history into account in most states. Five states—California, Hawaii, Massachusetts, Michigan, and Washington—have banned insurers from using your credit to set rates.

When comparing auto insurance quotes by credit score, drivers with poor credit pay 55 percent more for their car insurance policy than those with excellent credit. Meanwhile, drivers with good credit pay only 6 percent more than those with excellent credit.

Insurance CompanyExcellentGoodAveragePoor
21st Century$107$114$133$164
Acuity$103$109$128$158
Aggressive$213$227$265$328
Alinsco$187$199$233$288
Amigo America$211$225$263$325
Amigo USA$108$115$134$166
Anchor$105$112$131$161
Apparent$89$95$111$137
Arrowhead$390$416$486$602
Aspen$208$222$259$321
Aspire General$128$137$160$197
AssuranceAmerica$150$160$187$231
Bluefire$127$135$158$195
Bristol West$150$160$187$231
Clearcover$89$95$111$137
Commonwealth Casualty$211$224$262$324
Dairyland$215$229$268$332
Direct Auto$114$121$142$175
Elephant$88$93$109$135
Everest National$361$384$450$557
Farmers$75$80$93$115
First Chicago$113$121$141$174
Freedom National$154$164$192$237
GAINSCO$160$171$200$247
Hallmark$221$235$275$340
Infinity$220$234$274$339
InsureMax$157$168$196$242
Jupiter$233$248$290$358
Kemper$177$188$220$272
Kemper Preferred$97$103$120$148
Kemper Specialty$147$157$183$227
Liberty Mutual$125$133$155$192
Mercury$125$133$156$193
Foremost Signature$76$81$95$117
Metromile$68$72$85$104
Midvale Home & Auto$122$130$151$187
Mile Auto$75$80$93$115
Novo$100$107$125$154
National General$131$140$163$202
Nationwide$113$120$140$173
Plymouth Rock$85$90$105$130
Progressive$95$102$119$147
Pronto$331$353$412$511
Quantum$249$265$310$383
SafeAuto$114$122$143$176
Safeco$110$117$137$170
State Auto$100$107$125$154
Stillwater$152$162$189$234
Sun Coast$140$149$175$216
Texas Ranger$262$279$326$404
The General$193$205$240$297
Travelers$89$95$111$136
TSC Direct$78$83$97$120
USA Underwriters$245$261$305$378
USH&C$106$113$132$163
Verti$103$109$128$158
Workmen's$152$162$189$234
300-600
Fair/Poor$198
601-660
Average$160
661-780
Good$137
781-850
Excellent$128

Regardless of your credit tier, there are always steps you can take to find cheaper car insurance. Find more resources for finding cheap car insurance:

Factors That Affect Car Insurance Prices

Your car insurance quote takes numerous factors into account. Some seem obvious, like your driving record and the value of your vehicle, but others are less so. Check out some of the lesser-known factors that affect your car insurance rates:

Your Vehicle’s Accident Rates

Driving a vehicle with a history of higher accident rates will increase your auto insurance premium rates.[2]

Cost of Repairs on Your Vehicle

Some vehicles’ parts are expensive to replace and will most likely make your auto insurance premiums higher. Typically, foreign cars are more expensive to insure than domestic cars for this reason.

Theft Rates in Your Location

Living in a ZIP code with frequent vehicle theft and vandalism will cause your auto insurance rates to increase.

Your Annual Mileage

Your estimated annual mileage shows how much you’re on the road and, therefore, how much you are at risk for an accident. Drivers with low mileage typically pay less for car insurance than drivers in higher-mileage categories.

Safety Features on Your Vehicle

Auto insurance companies offer safety discounts for certain features, but these features don’t always make your auto insurance cheaper. Extra safety features can be expensive to repair or replace.

Primary Use of Car

Auto insurers also take into account how you use your vehicle. A car used to commute to work or school will be more expensive to insure because you most likely drive during peak traffic hours.

Claims You’ve Filed in the Past

Filing claims, whether it’s for an accident you weren’t at fault for or a fender bender that you were at fault for, will drive up your insurance premium. The more claims you file, the bigger a risk you are to insure.

How to Compare Auto Insurance Rates:
Find the Right Policy

Drivers looking to make smarter decisions on their car insurance can compare quotes by taking these easy steps:
  1. Gather information needed to receive an accurate quote. 
  2. Use an insurance comparison platform like Insurify to view a list of personalized insurance quotes. 
  3. Compare policies and pick the one that gives you the best deal for your coverage.
  4. Alternatively, you can speak to one of Insurify’s independent agents if you’d like to talk to a licensed professional.
Insurify page showing real car insurance quotes

How much does car insurance cost?

According to Insurify, the national average cost of car insurance is $136 a month[3]. But how much you pay for car insurance depends heavily on factors like your location, coverage, and driving history. For example, drivers in Michigan pay 75 percent above the national average, and drivers with an at-fault accident on record pay 29 percent above the national average.

Car insurance is a fixed monthly expense that you have to pay for as long as you plan on driving a car. There’s no reason to be paying more than you need to. The best way to find the cheapest car insurance policy available to you is by getting quotes from multiple insurance providers and identifying the one that gives you the best deal.

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:

  • Car insurance quote price
  • Customer service record
  • Claims service process
  • Financial strength

After crunching the numbers, here are the best car insurance companies according to Insurify:

RankCompany NameAverage Cost Per MonthInsurify Composite Score
1
Clearcover
Best Overall
$13597
2
Nationwide
Best for Safe Drivers
$19989
3
American Family
Best for Families with Teen Drivers
$23489
4
Safeco
Best for Drivers with Poor Credit
$18686
5
Farmers
Best for Rideshare Coverage
$23985
6
Foremost Signature
Best for Hassle-Free Claims
$15982
7
Liberty Mutual
Best for Accident Forgiveness
$24182
8
Mercury
Best for Face-to-Face Service
$23281
9
Progressive
Best for Senior Drivers
$14780
10
Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

What is the best car insurance comparison site?

The best car insurance comparison sites tend to be sites that provide users with accurate quotes, such as: 

In order to get the information you’re looking for, these sites may ask you for a range of information to get you an accurate quote. This includes:

  • Your car’s make, model, and year
  • Your age, gender, marital, and employment status
  • Your address and whether you’re a homeowner
  • Your credit score, education level, and driving record

In your search for the perfect policy, be careful which sites you give your personal information to. A lot of these are lead-generation websites that exist to sell your data, leaving you with an inbox full of spam. 

To make sure you’re not wasting your time and giving away your data, check out our list of the best insurance comparison sites to find sites that will help you save time and money while keeping your data secure.

Cheap car insurance quotes comparison

To keep your quotes low, you should be mindful of the following:

  • Your level of coverage
    • Fewer coverage add-ons and lower limits will keep your car insurance costs low, but they also might leave you vulnerable to out-of-pocket costs in the event of an accident.
  • Your selected deductible
    • The higher your deductible, the lower your car insurance costs. However, you should make sure you can afford to pay your deductible in the event of an accident.
  • Discounts
    • Providers have discounts for everything—from owning a home to earning a 3.5 GPA at school. Most insurance-comparison sites will ask you questions to ascertain which discounts you’re eligible for. Make sure to answer those correctly to keep your quotes low.

You can easily find cheap car insurance quotes for free and compare prices and policies through an online quote-comparison platform like Insurify. Using this platform, you’ll be able to view a list of car insurance quotes from top companies tailored to your unique driving profile.

Car Insurance Discounts

Most companies offer policyholders the chance to save with discounts. From good driver to mature driver discounts, you’ll most likely qualify for at least one or two if you know what to look for. Insurify does that hard work for you.
Discount TypeAverage Car Insurance per Month
No Discount$134
Senior Training$119
Student Training$240
Military$128
Married$109
Bundle Home$106
AAA$125

Types of Car Insurance Coverage

Car insurance policies aren’t one-size-fits-all. Most auto insurance policies encompass a mix of six main types of car insurance coverage, plus a few optional additions.

Liability Coverage

Vehicle liability coverage is required by law in almost every state. If a driver is involved in a car accident and found to be at fault, this type of coverage will help pay for damage to the other driver’s vehicle and any resulting medical bills for the other parties involved.

Personal Injury Protection

Personal injury protection, sometimes abbreviated PIP, covers you and your passengers’ medical bills and lost wages in the case of an accident. Also known as no-fault insurance, PIP will help cover these bills regardless of who is at fault in an accident.

Medical Payments

Medical payments coverage, also known as MedPay, is usually offered in non-PIP states. MedPay is a stripped-down version of PIP that will help cover hospital bills for you and your passengers after an accident, even if you’re not in a vehicle.

Uninsured or Underinsured Motorist Coverage

Uninsured or underinsuredmotorist coverage kicks in when you’re the victim of a hit-and-run or when you’re involved in an accident where the at-fault driver doesn’t have enough coverage to cover your damages. This coverage is currently required in 22 states[4]

Collision Coverage

Collision insurance covers damages if your vehicle collides with another car or object. If you’re driving a car you purchased with a car loan or other financing plan, you’ll probably be required to buy collision coverage.

Comprehensive Coverage

Comprehensive coverage kicks in when your car is damaged in a non-collision incident. This includes incidents of vandalism, theft, weather-related damage, and other acts of God. This is typically optional but usually required by your lender if you don’t own your car outright.

Full-Coverage Car Insurance

A car insurance policy with both comprehensive and collision coverage in addition to liability coverage is considered a “full-coverage” insurance policy. Take a look below to see how much a full-coverage policy costs compared to a liability-only policy, based on your insurance company:

StateLiability CoverageFull Coverage
Alaska$67$108
Alabama$69$128
Arkansas$78$148
Arizona$85$138
California$72$152
Colorado$87$162
Connecticut$134$172
Washington DC$114$148
Delaware$138$192
Florida$138$185
Georgia$129$213
Hawaii$40$75
Iowa$57$108
Idaho$56$92
Illinois$65$104
Indiana$57$98
Kansas$73$130
Kentucky$123$178
Louisiana$149$226
Massachusetts$80$98
Maryland$128$181
Maine$58$89
Michigan$167$291
Minnesota$76$109
Missouri$94$168
Mississippi$79$138
Montana$61$106
North Carolina$47$87
North Dakota$63$97
Nebraska$73$121
New Hampshire$61$81
New Jersey$135$174
New Mexico$58$118
Nevada$143$199
New York$190$215
Ohio$64$97
Oklahoma$70$137
Oregon$80$120
Pennsylvania$72$121
Rhode Island$150$207
South Carolina$126$184
South Dakota$51$103
Tennessee$64$112
Texas$95$172
Utah$72$115
Virginia$77$125
Vermont$51$92
Washington$96$141
Wisconsin$63$101
West Virginia$79$143
Wyoming$49$109

Common Misconceptions About Car Insurance

Before purchasing a policy, it’s important to understand what your coverage actually, well, covers. Unfortunately, most drivers are paying for coverage—as required by most states’ laws—without fully understanding what it will protect them against.

Insurify’s research team surveyed over 1,000 American drivers and found that 96 percent of drivers don’t understand fundamental aspects of their car insurance policy, including what damages it covers them against and what out-of-pocket costs they’re vulnerable to in the event of a claim.

Additionally, nearly 80 percent of drivers falsely believe that comprehensive coverage will cover damage done to their vehicle in the event of a collision. Over half of drivers surveyed incorrectly think that bodily injury liability, which is required in most states, will cover their own medical expenses resulting from an at-fault accident.

Make sure you understand what you’re protected against and what you may be vulnerable to. Read the full report here.

Methodology

The data and research team at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance applications included in this analysis detail information on drivers’ vehicles, driving records, and demographic information. With these insights, Insurify is able to offer car owners a window into how car insurance premiums are priced nationwide.

Frequently Asked Questions: Comparing Auto Insurance Quotes

  • To compare car insurance quotes and policies, you can use a comparison platform like Insurify, which offers drivers up to eight personalized quotes from top local and national providers. All you have to do is answer a few questions about you and your car, compare quotes, and buy your policy—all in one place.
  • The simplest way to find the cheapest car insurance is to compare quotes online. All you have to do is answer a brief questionnaire about your car, driving habits, and a few personal details.
  • The average annual cost of an auto insurance policy in the United States is $136 a month; however, rates vary greatly depending on your driving history, desired coverage levels, and personal details.
  • Yes, it’s possible to get multiple car insurance quotes at once on the same page. The best way to do this is by using an insurance comparison website. Typically, you should compare quotes from at least five different insurance companies before buying a policy.
  • To make sure you’re getting the best deal, Insurify recommends that you compare quotes from at least five different insurance providers.
  • Insurify’s insurance comparison app is your best bet for finding the cheapest insurance policy. Users can easily compare quotes from multiple providers all in one place, adjust their coverage requirements, and buy a policy within minutes.
  • Rideshare insurance costs an average of $212 a month, but this rate varies significantly based on your location and the laws in your state. On average, rideshare drivers pay an extra $76 a month compared to other drivers.

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Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

Learn More

Sources

  1. Insurance Information Institute. "Auto insurance for teen drivers." Accessed May 3, 2022
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed May 3, 2022
  3. Insurify. "Insuring the American Driver." Accessed May 3, 2022
  4. Insurance Information Institute. "Background on: Compulsory Auto/Uninsured Motorists." Accessed May 3, 2022