Car Insurance Quotes:
Compare the Best Rates and Companies for 2021

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Car Insurance Quotes: What You Need to Know Before You Buy

Shopping for car insurance can sometimes feel like a deliberately exhausting experience. What’s the difference between comprehensive and collision coverage? What’s the best policy to buy for a growing family? Do any companies specialize in discounts for seniors? These questions and more may come to mind as you embark on your car insurance journey.

If car insurance confuses you, you’re not alone – and we’re here to help. One of the simplest ways you can save money and time finding quotes is through comparison shopping. 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.

How to Get Free Car Insurance Quotes

There are a few different ways for drivers to get free car insurance quotes. You can visit an agent in person, call over the phone, or use insurance company websites or comparison services like Insurify to find policies online. But what are the benefits and drawbacks of each?

  • Getting a quote online. Online comparison shopping offers lots of benefits that in-person or over-the-phone comparison lacks. With Insurify, you only need to put in your personal details once to view a list of cheap car insurance quotes from top auto insurance companies, and you can seal the deal on an insurance policy at any time of day or night in the comfort of your own home.
  • Visiting an insurance agent in person. If you appreciate a personal touch or aren’t a big fan of technology, visiting an insurance agent in person is an easy way to purchase a policy. However, visiting agents in person takes more time than comparing quotes over the phone or online, and your nearest agent may be far away or not open before 9 a.m. or after 5 p.m. Additionally, some agents may coerce you into buying insurance from a particular company because they get the best commission from that company, not because it’s a good fit for you.
  • Getting a quote over the phone. Most major car insurance companies like GEICO or State Farm will have a phone number you can call to get a free quote. However, these phone lines aren’t always manned 24/7, and repeating details about your driving record or vehicle may get exhausting if you’re comparing quotes from multiple insurers.

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!

How Much Should Car Insurance Cost?

It’s a tough question. If you speak to neighbors or friends about their car insurance, you might learn that the cost of car insurance coverage varies widely from driver to driver. That’s due to a variety of factors, including but not limited to age, location, gender, driving history, and the type of vehicle you drive.

Your chosen coverage level matters too: a bare-bones plan with a high deductible will almost always cost less than a comprehensive coverage policy that reimburses you for almost any incident behind the wheel. In general, Insurify’s proprietary database of millions of unique driver quotes reveals that the average cost for car insurance for Americans is $228 a month.

What factors affect your car insurance quotes?

Where You Live

Car Insurance Quotes by Location

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.

Average Monthy car insurance by 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.

Related content:

Average monthly rates by state
Quotes ($/mo)
$220
$239
$282
$316
$177
$155
$144
$297
$127
$431
CaliforniaTexasFloridaNew YorkPennsylvaniaIllinoisOhioGeorgiaNorth CarolinaMichigan
State

Who You Are

Car Insurance Quotes by Gender

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.

Average monthly rates by gender
Quotes ($/mo)
$216
$238
FemaleMale
Gender

Car Insurance Quotes by Age

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.

Average monthly rates by age
Quotes ($/mo)
$343
$229
$203
$210
$191
$176
less than 2525-3031-4041-5051-6060 and above
Age

Best Car Insurance for Drivers Under 25

Car Insurance Quotes by Education

Based on historical data insurers use to assess risk, drivers with more educational qualifications are less likely to file a car insurance claim. As such, drivers with higher levels of educational attainment pay less for car insurance, with those who haven’t completed high school paying the most expensive premiums and those with doctorate degrees paying the least expensive premiums.

States such as California, Massachusetts, Georgia, Hawaii, and Montana have barred insurers from using a driver’s education level to determine their car insurance rates.

Average monthly rates by education
Quotes ($/mo)
$241
$239
$235
$213
$203
$214
$196
Less Than a High School DiplomaHigh SchoolSome College but No DegreeBachelors DegreeAssociate’s DegreeMasters DegreeDoctorate
Degree level

Car Insurance Quotes by Credit Score

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.

California, Massachusetts, Hawaii, Michigan, and Washington have barred insurers from using a driver’s credit score as a determining factor in their car insurance rate.

Credit ScoreAverage Cost of Car Insurance per Month
Excellent$216
Good$238
Average$233
Poor$224

Car Insurance Quotes by Marital Status

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. According to Insurify’s data, married couples pay 7 percent less for car insurance than singles.

California, Massachusetts, Hawaii, Michigan, and Washington have barred insurers from using a driver’s credit score as a determining factor in their car insurance rate.

Marital StatusAverage Cost of Car Insurance per Month
Married$216
Not Married$232

Car Insurance Quotes by Homeownership

Generally, drivers who own homes have cheaper car insurance premiums than renters. This is because most insurers consider homeowners to be more financially stable and at a lower risk of filing a claim. Additionally, many insurers offer homeowners a discount if they bundle their car and home insurance policies.

Homeowner StatusAverage Cost of Car Insurance per Month
Homeowner$209
Not a Homeowner$234

Your Driving Habits

Car Insurance Quotes Based on How Much You Drive Your Car

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, but 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.

Mileage per DayAverage Cost of Car Insurance per Month
0-5 miles$177
6-10 miles$211
11-15 miles$168
16-20 miles$229
21-25 miles$193
26-30 miles$240
more than 30 miles$246
Quote price by annual mileage
Quote price ($)
$1,350
$1,500
$1,550
$1,650
less than 5,0005,000 - 10,00010,000 - 15,000more than 15,000
Annual mileage

Car Insurance Quotes Based on Your Driving Record

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.

Have a look below to see just how much of an impact certain driving violations have on your car insurance premium:

Driving Violation TypeAverage Cost of Car Insurance per MonthImpact of Violation
No Prior Violation$206N/A
Not-at-fault accident$26026.21%
Failure to stop at a red light$26629.13%
Negligent driving$27633.98%
At-fault accident$27935.44%
Careless Driving$29744.17%
Failure to stop for a school bus$30548.06%

Having even a single traffic incident on record can hike up your premium by 32 percent on average. Drivers with a tarnished driving history pay $1,589 on average for insurance, while car owners who have commited no offenses in the last seven years spend only $1,208 in comparison.

How much do driving violations impact insurance costs?
Quote price ($)
$1,500
$1,520
$1,540
$1,700
$1,850
$1,930
Negligent driving (24%)Failure to stop at red light (25%)Failure to stop at a stop sign (26%)Accident (38%)Failure to stop for a school bus (47%)Careless Driving (51%)

Your Car

Car Insurance Quotes Based on The Age of Your Car

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.

How much does vehicle's age impact insurance costs?
Average Car Insurance Costs ($/mo)
$300
$270
$215
$181
$154
$138
$141
Less than a year5 years10 years15 years20 years25 years30 years
Vehicle’s Age

Car Insurance Quotes Based on The Type and Make of Your Car

The type, make, and model of your car also 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.

Have a look at the average cost of car insurance for various car types:

Car TypeAverage Cost of Car Insurance per Month
Coupe (2-door)$272
Sedan (4-door)$262
Convertible$237
Hatchback$229
Sport Utility Vehicle$228
Sport Utility Truck$189
Pickup$187
Truck (Both Sport Utility and Pickup)$187
Passenger Van$156
Cargo Van$149

Car Insurance Quotes Based on Your Insurance History

Drivers who have been continuously insured for the last seven years tend to have cheaper car insurance premiums than those who have had lapses in their car insurance history. According to Insurify’s data, those with no prior insurance coverage pay 6.5 percent more for car insurance than those who have been continuously insured.

Average monthly rates by insurance state
Quotes ($/mo)
$237
$222
Not Previously InsuredPreviously Insured
Insurance state

Car Insurance Quotes Based on Your Coverage Level

State Minimum Car Insurance

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.

Liability Car Insurance Quotes

Since bodily injury and property damage liability insurance is required in most states, a lot of drivers can get away with just purchasing state minimum liability insurance. The average cost of a liability-only car insurance policy in America is $160 dollars, but based on the laws in your state, the price may vary. Check out the cheapest liability car insurance quotes by state below:

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.

StateInsurance companyMonthly rate
AlaskaMidvale Home & Auto$110
AlabamaProgressive$67
ArkansasProgressive$68
ArizonaForemost Signature$86
CaliforniaFreedom National$76
ColoradoSun Coast$79
ConnecticutProgressive$130
Washington, D.C.Travelers$109
DelawareMidvale Home & Auto$176
FloridaAssuranceAmericaEconomy$144
GeorgiaProgressive$108
HawaiiFarmers$66
IowaTravelers$64
IdahoTravelers$57
IllinoisKemper Specialty$63
IndianaProgressive$64
KansasState Auto$72
KentuckyProgressive$129
LouisianaNational General$145
MassachusettsTravelers$47
MarylandProgressive$135
MaineTravelers$54
MichiganSafeco$162
MinnesotaSafeco$94
MissouriState Auto$83
MississippiNational General$67
MontanaTravelers$61
North CarolinaMidvale Home & Auto$53
North DakotaMidvale Home & Auto$68
NebraskaTravelers$63
New HampshireMidvale Home & Auto$67
New JerseyPlymouth Rock$149
New MexicoKemper Specialty$73
NevadaSun Coast$103
New YorkKemper Preferred$89
OhioProgressive$59
OklahomaProgressive$72
OregonNational General$81
PennsylvaniaTravelers$63
Rhode IslandSafeco$131
South CarolinaKemper Preferred$83
South DakotaMidvale Home & Auto$73
TennesseeNational General$65
TexasProgressive$86
UtahSun Coast$70
VirginiaState Auto$59
VermontSafeco$57
WashingtonProgressive$103
WisconsinProgressive$66
West VirginiaSafeco$87
WyomingSafeco$54

Full Coverage Car Insurance Quotes

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.

A lot of drivers opt for a full coverage policy since liability insurance only pays for property damage and medical injuries you inflict on another party in the event of an accident. While the average cost of a full coverage car insurance policy is $267, the cost can vary by state. Check out the cheapest full coverage car insurance rates by state below:

StateInsurance companyMonthly rate
AlaskaMidvale Home & Auto$179
AlabamaProgressive$135
ArkansasProgressive$168
ArizonaMile Auto$128
CaliforniaTravelers$155
ColoradoBristol West$198
ConnecticutProgressive$191
Washington, D.C.Travelers$166
DelawareMidvale Home & Auto$236
FloridaAssuranceAmericaEconomy$203
GeorgiaProgressive$186
HawaiiFarmers$131
IowaTravelers$108
IdahoTravelers$88
IllinoisMile Auto$100
IndianaClearcover$99
KansasTravelers$152
KentuckyProgressive$177
LouisianaProgressive$232
MassachusettsTravelers$67
MarylandTravelers$196
MaineTravelers$85
MichiganSafeco$234
MinnesotaProgressive$149
MissouriClearcover$131
MississippiNational General$132
MontanaTravelers$133
North CarolinaProgressive$110
North DakotaMidvale Home & Auto$139
NebraskaTravelers$119
New HampshireTravelers$106
New JerseyPlymouth Rock$203
New MexicoTravelers$150
NevadaSun Coast$180
New YorkTSC Direct$160
OhioProgressive$100
OklahomaClearcover$153
OregonMile Auto$109
PennsylvaniaProgressive$121
Rhode IslandSafeco$207
South CarolinaKemper Preferred$163
South DakotaNationwide$145
TennesseeNational General$126
TexasClearcover$154
UtahSun Coast$116
VirginiaState Auto$121
VermontTravelers$105
WashingtonProgressive$160
WisconsinTravelers$108
West VirginiaSafeco$153
WyomingSafeco$133

Home and Car insurance Quotes

Drivers can potentially score major savings by combining their home and car insurance quotes into a single insurance policy. Bundling two different types of insurance coverage doesn’t just streamline the insurance process; it can also be the source of some serious discounts. Insurers like Allstate offer discounts of over 20 percent for bundling home and auto policies.

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.

Auto and Home Insurance Quotes

How to Get the Cheapest Car Insurance Quotes

Other than shopping around every six months, what are some easy ways to discover the cheapest possible car insurance quotes? 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:

  • Installing an anti-theft or telematics device
  • Taking a defensive driving course
  • Raising your credit score or GPA
  • Driving a safe, low-risk vehicle like a minivan

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.

Best Car Insurance Quotes by State

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.

StateInsurance companyMonthly rate
AlaskaMidvale Home & Auto$164
AlabamaTravelers$128
ArkansasSafeco$152
ArizonaClearcover$118
CaliforniaTravelers$143
ColoradoBristol West$164
ConnecticutSafeco$196
Washington, D.C.Progressive$187
DelawareMidvale Home & Auto$220
FloridaBristol West$226
GeorgiaTravelers$182
HawaiiFarmers$109
IowaTravelers$99
IdahoProgressive$107
IllinoisMetromile$83
IndianaClearcover$87
KansasMidvale Home & Auto$142
KentuckyTravelers$173
LouisianaClearcover$259
MassachusettsMidvale Home & Auto$143
MarylandTravelers$186
MaineProgressive$110
MichiganSafeco$211
MinnesotaMidvale Home & Auto$136
MissouriClearcover$110
MississippiBristol West$156
MontanaMidvale Home & Auto$156
North CarolinaMidvale Home & Auto$107
North DakotaMidvale Home & Auto$123
NebraskaProgressive$97
New HampshireMidvale Home & Auto$104
New JerseyProgressive$220
New MexicoProgressive$94
NevadaSafeco$230
New YorkSafeco$303
OhioProgressive$86
OklahomaProgressive$116
OregonMetromile$90
PennsylvaniaMetromile$93
Rhode IslandSafeco$173
South CarolinaProgressive$145
South DakotaMidvale Home & Auto$136
TennesseeProgressive$120
TexasProgressive$123
UtahClearcover$106
VirginiaMetromile$69
VermontSafeco$100
WashingtonMetromile$101
WisconsinProgressive$98
West VirginiaProgressive$122
WyomingSafeco$117

Compare Car Insurance Quotes Online Instantly

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.

The average annual cost of car insurance

Chart showing projected car insurance rates for 2022

*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.

Driving & fatality trends

Chart showing car fatality rate in the US for 2021

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.

Driving rates

Chart showing driving rates for 2021

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.

Rise in aggressive driving and insurance costs

Chart showing aggressive driving perceived rates for 2021

Chart showing aggressive driving rates for 2021

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.

Michigan drivers still pay the most for car insurance

Map showing insurance rates per state for 2021

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.

Best Car Insurance Companies: Frequently Asked Questions

  • The best car insurance company for you depends on which company can provide you with the best coverage and customer service for an affordable price. To figure out which is the best car insurance company for you, you should compare car insurance quotes on a site like Insurify, which provides a tailored car insurance experience, complete with quotes from America’s top insurance companies and AI-powered recommendations.
  • Each insurance company assesses risk differently, so there’s no guarantee that a single company will always return the cheapest quotes. To find the cheapest car insurance company for you, compare car insurance quotes from up to 20 different companies on Insurify and pick the one that offers the lowest price.
  • Contrary to popular belief, finding a good car insurance policy at an affordable rate is not that difficult. Through Insurify, you can tailor your car insurance policy limits to what best suits you, and then view a list of car insurance quotes from America’s top companies. That way you can pick the company that offers you the policy you want at a price you can afford.
  • Every driver should consider buying a full coverage policy complete with comprehensive and collision coverage along with liability. Additionally, drivers who don’t own their car outright should consider gap coverage to cover their remaining payments in the event of their car getting totaled. If you live in a state like Florida, with a high number of uninsured drivers, you might also consider buying underinsured/uninsured motorist coverage.