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One of the easiest ways you find and compare car insurance quotes for free is through a comparison shopping platform like Insurify. Insurify provides you with dozens of personalized quotes from the nation’s leading insurers in just minutes, allowing you to compare purchase policies with ease while saving up to $996 annually.
Ultimately, comparing car insurance quotes online beats out comparing quotes in person or over the phone, thanks to its convenience, easy access, and unparalleled breadth of choice. And the most-rated and best-rated comprehensive platform for comparing insurance can be found at Insurify. Remember: always compare quotes every six months to score the lowest premiums!
The average cost of car insurance in America is $136 a month, according to Insurify’s proprietary database of millions of unique driver quotes. But the cost of car insurance coveragevaries widely from driver to driver.
If you speak to neighbors or friends about their car insurance, you might learn that rates vary due to an excess of factors like age, location, gender, driving history, and the type of vehicle you drive, among others.
Your chosen coverage level matters too: a bare-bones plan with a high deductible will almost always cost less than a robust full coverage policy with add-ons that reimburses you for almost any incident behind the wheel.
The location where you park and drive your car has a large impact on your car insurance rates. This is, in part, due to certain states requiring more robust car insurance coverage with higher limits. According to Insurify’s data, drivers in Michigan pay the highest car insurance premiums in the country, with the average Michigan resident paying $431 a month for car insurance.
Take a look below to see how much the average car insurance policy costs in each state.
In addition to the state in which you live, car insurance companies also take into account the neighborhood and zip code in which you reside. Depending on the average number of car insurance claims filed in your area, car insurance companies may charge you a higher or lower premium. Here are the average monthly rates for the ten most populous states in the US.
On average, men pay 9 percent more for car insurance than women do. The difference in insurance premiums is higher for teen drivers and drivers in their early 20s but reduces as drivers get older. This disparity is due to historical data insurers rely on to evaluate risk, which shows that men are more likely to engage in risky driving behavior than women.
Some states, such as California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania, have barred insurers from using a driver’s gender while calculating their insurance rates.
Your age has quite a substantial impact on how much you pay for car insurance, with drivers under 25 paying the most expensive premiums and drivers over 60 paying the least expensive. Insurers use your age to determine your car insurance premium as age is usually an indicator of driving experience and general driving behavior.
Drivers with poor credit scores are considered high-risk drivers and pay up to 15 percent more for car insurance than counterparts with excellent credit scores. Similar to statistics about age, gender, and education level, statistics about credit scores show that drivers with lower credit are more likely to file for expensive claims than those with better credit.
|Credit Score||Average Monthly Premium|
Single people pay slightly higher rates for their auto insurance policy than those who are married. This difference is likely due to the plethora of auto insurance discounts married couples are usually eligible for, like insuring multiple vehicles on one policy and a discount just for being married. On average, married couples pay 7 percent less for coverage than singles.
|Marital Status||Average Monthly Premium|
|Homeowner Status||Average Monthly Premium|
|Not a Homeowner||$234|
On average, Americans who drive less than five thousand miles a year pay nearly 40 percent less than those who drive more than 30 thousand miles a year. Insurers use your annual mileage to calculate your level of risk for one simple reason: the more you drive, the higher your chance of filing a claim due to a car accident or wear and tear. The impact of mileage on your car insurance rate depends on the area in which you live.
|Mileage per Day||Average Monthly Premium|
|more than 30 miles||$246|
Your driving record is perhaps the most important factor insurers consider while setting your car insurance rates. Drivers with driving violations like an at-fault accident, a suspended driver’s license, or failure to stop for a school bus on their record often have to pay a hefty car insurance premium. Indeed, drivers with a driving violation on record pay up to 30 percent more for car insurance than those with a clean driving record.
|Driving Violation Type||Average Monthly Premium||Impact of Violation|
|No Prior Violation||$206||N/A|
|Failure to stop at a red light||$266||29.13%|
|Failure to stop for a school bus||$305||48.06%|
The age of your car is an important factor insurers consider when setting your car insurance rates because newer cars have more expensive parts that are costly to replace in the event of a claim. However, if your car is older than 30 years, your premium will also be on the more expensive side since parts for those cars can be difficult to replace. Take a look below to see how the age of your car impacts your car insurance rate.
Themake, model, and type of car you drive has a major impact on your car insurance rate. Usually cars with a high retail value, cars made by foreign manufacturers, and cars built for faster driving are more expensive to insure because their parts are harder and costlier to replace.
|Car Type||Average Monthly Premium|
|Sport Utility Vehicle||$228|
|Sport Utility Truck||$189|
|Truck (Both Sport Utility and Pickup)||$187|
Most states require drivers to purchase a car insurance policy that includes some form of bodily injury and property damage liability insurance. However, some states require additional auto insurance coverages, such as uninsured and underinsured motorist coverage and personal injury protection.
Some drivers may choose to supplement their state minimum car insurance coverage with helpful add-ons like roadside assistance, accident forgiveness, or medical payments coverage. The more coverage options you choose and the higher the limits you pick for those options, the more expensive your car insurance policy is.
Since bodily injury and property damage liability insurance is required in most states, some drivers may purchase state minimum liability insurance to save money, though that’s not always advisable. The average cost of a liability-only car insurance policy is $160, but based on the laws in your state, prices vary. Check out the cheapest liability-only policies in your state.
|State||Insurance company||Monthly rate|
|Alaska||Midvale Home & Auto||$110|
|Delaware||Midvale Home & Auto||$176|
|New Hampshire||Midvale Home & Auto||$67|
|New Jersey||Plymouth Rock||$149|
|New Mexico||Kemper Specialty||$73|
|New York||Kemper Preferred||$89|
|North Carolina||Midvale Home & Auto||$53|
|North Dakota||Midvale Home & Auto||$68|
|South Carolina||Kemper Preferred||$83|
|South Dakota||Midvale Home & Auto||$73|
A full-coverage car insurance policy consists of collision and comprehensive coverage in addition to the required liability insurance. Collision coverage pays for property damage to your car in the event that it collides with another vehicle or object, while comprehensive coverage covers damage to your car in the event of theft, vandalism, Acts of God, and so on.
|State||Insurance company||Monthly rate|
|Alaska||Midvale Home & Auto||$179|
|Delaware||Midvale Home & Auto||$236|
|New Jersey||Plymouth Rock||$203|
|New York||TSC Direct||$160|
|North Dakota||Midvale Home & Auto||$139|
|South Carolina||Kemper Preferred||$163|
However, bundling your home and car insurance doesn’t guarantee the cheapest quote. Even after applying discounts, another insurer might offer a lower price for individual home or auto policies, and some low-cost insurers like Metromile and Clearcover offer car insurance exclusively. That’s why it’s smart to use a comparison site like Insurify before bundling.
Other than shopping around every six months, the best and easiest way to get cheap car insurance quotes is by using a quote-comparison site like Insurify, which automatically compares quotes from dozens of different insurers to find the perfect policy for you.
One of the other ways to save on car insurance quotes is to negotiate with your current insurer. Your insurer won’t want to lose a paying customer, so if you’ve found more affordable car insurance elsewhere and let them know, they may agree to match that price or offer a discount. A few other simple tips and tricks to get the cheapest car insurance quotes include:
Many insurance companies also offer car insurance discounts for certain professional groups or categories of drivers. Popular discounts include the good driver discount for drivers with a clean driving record, the good student discount for young drivers who have a good GPA in high school and college, and the electric car discount for eco-friendly drivers.
For each state, different carriers will, on average, provide the best car insurance quotes. According to Insurify data, here are the best quotes you can expect in each of the 50 states.
|State||Insurance company||Monthly rate|
|Alaska||Midvale Home & Auto||$164|
|Delaware||Midvale Home & Auto||$220|
|Kansas||Midvale Home & Auto||$142|
|Massachusetts||Midvale Home & Auto||$143|
|Minnesota||Midvale Home & Auto||$136|
|Montana||Midvale Home & Auto||$156|
|New Hampshire||Midvale Home & Auto||$104|
|North Carolina||Midvale Home & Auto||$107|
|North Dakota||Midvale Home & Auto||$123|
|South Dakota||Midvale Home & Auto||$136|
Compare car insurance quotes in minutes by using Insurify. It’s easy to get overwhelmed by finding an auto insurance quote. Insurify does all the hard work to find the perfect quote for you, using cutting-edge AI tech to prepare quotes custom-fit for your unique needs. With a 4.8 overall customer satisfaction rating based on over 3,200 customer reviews, Insurify is the most highly-rated and best-rated insurance comparison site in America.
Insurify is partnered with leading insurers like Nationwide and Liberty Mutual so customers can compare and purchase dozens of different car and home insurance quotes in just minutes and save up to $996 annually. Most importantly, Insurify is always free to use and never sends spam calls or texts to users who don’t request them. Try Insurify today to see the difference.
Insurify made my car insurance experience smooth. And the prices were better than what I was already paying
Insurify provided a one-stop-shop for home insurance quotes to cover my new home in a new state. Saved me hours of research and comparison. Absolute no brainer, Insurify is great!
Simple questions to get through my quote. I like the fact that I could decide if someone called me before proceeding or if I wanted to do it all online. Having the choice is nice.
*Based on projections modeled from historical premium trends from Insurify's proprietary database.
Auto insurance rates rose 12% in 2021 compared to last year. The average American driver is now paying $1,633 per year for coverage - a price that’s projected to rise another 5% to just over $1,700 in 2022. Inflation, which rose 5% in 2021, can explain part of these rising costs, although increased levels of dangerous driving have also contributed.
Sources: National Safety Council & the Institute for Traffic Safety Management and Research
In March, April, and May of 2021, Americans drove 32% more miles than during the same period in the previous year. Initial data also suggests that the total number of driving fatalities increased by 30% during this period. While the fatality rate decreased by 3% from 2020 levels, it remained 26% higher than during the same period in 2019, suggesting that reckless driving habits adopted during initial pandemic shelter-in-place orders have endured well beyond those policies’ end.
According to Insurify’s 2021 survey of American drivers, 38% of drivers report driving more in 2021 than they did in 2020. In total, however, nearly two-thirds of drivers are driving the same amount or even less, suggesting that while traffic is up, it has yet to return to pre-pandemic levels across the board.
In 2021, 44% of drivers reported witnessing more aggressive driving on the roads in 2021 than before the pandemic. Additionally, insurance rates went up in 2021, not only for drivers who received at least one ticket for a moving violation, but across the board: many drivers whose rates increased in 2021 did not have any violations on record.
2020 was a historic year for Michigan drivers: as of July 2, 2020, Michigan's notorious unlimited Personal Injury Protection (PIP) coverage requirement is no longer in effect. Legislation eliminating insurers' ability to price policies based on personal characteristics such as sex, credit score, or marital status was also introduced to reduce the state's sky-high insurance costs.
Between 2020 and 2021, however, not only has Michigan remained the state with the most expensive auto insurance, its average rates increased by nearly 16%, a figure which well exceeds the national average. The state’s average yearly premium is now $2,409. Despite eliminating unlimited PIP requirements, Michigan still mandates more expensive no-fault car insurance coverage. However, on July 1, 2021, a second round of reforms went into effect which may further impact average car insurance prices into 2023.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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 othersLearn More