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

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

Amy Beardsley
Written byAmy Beardsley
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Evelyn Pimplaskar
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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
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 Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 February 13, 2024 at 4:00 PM PST

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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.
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.

Here’s a look at average monthly rates from top companies Insurify partners with.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyFull CoverageLiability OnlyIQ Score
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.
Auto-Owners81394.0
Root90623.9
Mile Auto95533.5
USAA98464.5
Metromile110763.3
State Farm111534.5
GEICO115544.2
Safeco122653.8
Clearcover125873.2
Plymouth Rock126770.0
Mercury135843.6
Allstate135624.2
Progressive148833.9
CSAA150923.5
Elephant168973.8
American Family171764.3
Nationwide184844.3
Shelter1841113.6
National General194793.1
Travelers194894.3
Liberty Mutual194953.8
Direct Auto198933.3
AssuranceAmerica1981142.2
State Auto2041024.0
Dairyland232833.3
Farmers2421083.8
GAINSCO2481183.3
The General2511173.3
Chubb2521172.9
Anchor2671042.8
Amica2681813.8
21st Century2731232.8
Foremost2781373.5
Bristol West2931292.2
Commonwealth Casualty2971152.7
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.

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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.

It’s a good idea to compare personalized quotes every six months, as the marketplace changes quickly.

Editor Insight

Evelyn Pimplaskar

Evelyn Pimplaskar

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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 is also important in the event of a claim. The Insurify Quality Score evaluates insurance companies on these factors, as well as price.

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Digital insurance agents vs. other ways to compare

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 FactorInsurifyLead-Generation SitesInsurance Carrier
Sells dataNoYesNo
Real-time quotes60-21
Custom quotesYesNoYes
Spam riskNoneHighLow
Insurance partners70+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

Insurify is an independent insurance agent, licensed in all 50 states plus Washington, D.C. We make money through commissions and by finding users the lowest, most accurate quotes available based on the information they share. Using our platform could result in hundreds in savings – but absolutely zero spam.

The person that helped me sign up for auto insurance went above and beyond making sure that I had every discount possible. She was very kind and knowledgeable. I usually hate buying Insurance because I feel like I’m being taken advantage of, in this case I got the best price by a person that made me feel comfortable spending my money with this company. Thank you so much.

Julie J. - February 13, 2024
Verified

My insurance agent, Tyler D., was fantastic and got me a great deal on my auto insurance that was way less than what I previously paid for with Jerry.

Jordan C. - February 12, 2024
Verified

The entire process was extremely easy, and I received responses in a timely manner.
I was pleased with the rates that were quoted, and I was able to insure my vehicle almost immediately

Sam A. - February 6, 2024
Verified

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 impact of each step.

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    Practice safe driving habits.

    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 seatbelt and turn signals.

    Potential savings: 34%+

    Effort: Moderate

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

    Compare car insurance rates.

    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 available to you.

    Potential savings: 30%

    Effort: Very low

  • illustration card https://a.storyblok.com/f/162273/100x100/9cd41581f2/savings.svg

    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.

    Potential savings: 2%-12%

    Effort: Low

  • illustration card https://a.storyblok.com/f/162273/100x100/0f53b7e117/credit-card-2-1.svg

    Maintain good credit.

    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.

    Potential savings: 29%-45% (depending on credit rating)

    Effort: High

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 does not 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 their 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 non-collision events, such as vandalism; damage from falling objects, fire, hail, or wind; and if your car is stolen.

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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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 should expect to pay. Currently, the national average cost for full-coverage car insurance is $207 per month; liability averages $103 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.
car-insurance-cost-by-state-map

FAQs about comparing auto insurance quotes

To help you navigate the twists and turns of comparing car insurance, here are answers to the most common questions.

  • How much does car insurance cost?

    The national averages for full-coverage and liability-only car insurance are $207 and $103 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 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.

  • Who 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.

Amy Beardsley
Amy BeardsleyInsurance Writer

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 Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
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.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
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 Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
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