Get Same-Day Car Insurance With Online Quotes (2024)

State Farm, Auto-Owners, and Hugo are the best companies to consider if you’re looking to buy same-day car insurance.

Sarah Archambault
Sarah Archambault
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Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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
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Konstantin HalachevVP of Engineering & Data Science
  • 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 December 19, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

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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.

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Cheapest recent rates

Insurify’s drivers have found rates ranging from $35/mo. to $118/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you need car insurance fast, you’re in luck — most major auto insurance companies offer same-day car insurance. Purchasing same-day car insurance online is convenient if you need coverage unexpectedly or if you need proof of insurance to buy a car from a dealership.

Purchasing car insurance online takes only a few minutes if you use a comparison site to find the best policy for you. Learn how same-day car insurance works, how to get it, and which companies offer the best same-day car insurance.

Quick Facts
  • Same-day car insurance is a legitimate way to get coverage quickly.

  • If you purchase same-day car insurance, it won’t provide retroactive coverage.

  • You might not qualify for same-day coverage if you have a poor driving record or want to insure a rare car.

Find Cheap Same-Day Car Insurance

Check quotes from 100+ top insurance companies

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Based on 3,806+ reviews
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The best same-day car insurance companies

Many car insurance companies offer same-day coverage. But some insurers are better than others. To find the best car insurance companies for same-day insurance, Insurify reviewed some of the top insurers based on important features like customer satisfaction ratings, coverage options, discounts, and availability.

As you begin your search, keep the insurers included in this table in mind.

Insurance Company
Liability Only
Full Coverage
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Hugo$222N/A7.0
State Farm$54$1199.3
American Family$72$1609.1
Auto-Owners$34$728.5
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best for infrequent drivers: Hugo

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0 /10
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.
$222/mo
4.1
Best choiceBased on 127 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (49)

Natalie

December 5, 2024

Verified Purchase

Great! Affordable Insurance!

Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.

Marcus

December 2, 2024

Verified Review

Bad Company

They never sent the state a record that I had insurance.

Sara

November 26, 2024

Verified Review

Poor

The service is poor, but they allow pay-as-you-go.
See all Hugo reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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).
NR
Why we picked this company

Hugo launched in 2021 and is currently the only insurance company offering on-demand car insurance. Drivers can open a Hugo account without paying a down payment up front. Drivers can choose a policy term of three, seven, 14, or 30 days, or six months, and policyholders can pay smaller amounts more frequently instead of all at once. Drivers also receive instant proof of insurance. Hugo currently only offers state-minimum liability coverage in 13 states. J.D. Power and AM Best have not yet evaluated Hugo’s customer satisfaction or financial strength.

Pros
  • Short-term policies

  • No up-front down payment required

  • Flexible, pay-as-you-go insurance

Cons
  • Only available in 13 states

  • Doesn’t offer collision or comprehensive coverage

  • No discounts available

Best for customer satisfaction: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$54/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.
$119/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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++
Why we picked this company

State Farm is the largest car insurance company on the market, and it’s a great option for drivers who need same-day coverage and want to work with an insurer that has solid customer satisfaction scores from J.D. Power.[1] The company also offers a great selection of discounts, including special savings for young drivers and teens. If you want to bundle your car insurance with another policy, like homeowners, renters, or life insurance, State Farm offers some of the best deals.

Pros
  • Excellent customer satisfaction ratings

  • Good selection of car insurance discounts

  • Great policy bundling deals

Cons
  • Few endorsement options

  • Doesn’t offer gap insurance to most drivers

  • Doesn’t offer car insurance in Massachusetts or Rhode Island

Best for discounts: American Family

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$72/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.
$160/mo
4.5
Best choiceBased on 394 verified guest reviews and ratings
How drivers feel about American Family

Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family

Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (211)

Kelley

December 2, 2024

Verified Review

They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.

They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.

Jim

November 30, 2024

Verified Review

Highway Robbery

I had no claims, yet my premiums are skyrocketing. The app for auto monitoring seems to be negatively skewed for those of us who drive very little. The agents are unresponsive and add no value.

Gene

November 25, 2024

Verified Review

Rates Keep Rising

Good service.
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
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
Why we picked this company

American Family is the best same-day car insurance company for discounts. The company offers more than a dozen car insurance discounts, with savings for safe drivers, young drivers, taking a defensive driving course, bundling, paying in full, low-mileage drivers, young volunteers, and more. The company also offers a free mobile app that allows you to make payments, file claims, view ID cards, and request roadside assistance.

Pros
  • Great selection of car insurance discounts

  • Above-average J.D. Power customer satisfaction ratings in some regions[1]

  • Mobile app for policy management, payments, and claims

Cons
  • Few ways to customize your policy

  • Operates in only 19 states

  • Lower AM Best financial strength rating than some competitors[2]

Best for coverage options: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
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.
$34/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.
$72/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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++
Why we picked this company

Auto-Owners is a good choice for same-day car insurance if you want to customize your policy with endorsements. In addition to liability-only and full-coverage policies, the company also offers roadside assistance, additional expenses coverage, gap insurance, diminished value coverage, rental auto gap coverage, accident forgiveness, a common loss deductible, and others.

Auto-Owners also has lots of discounts to help you save money, including savings for good students, safe vehicles, paying in full, bundling, and having no recent claims. To get a car insurance quote and purchase same-day coverage from Auto-Owners, you must contact an independent agent.

Pros
  • Good selection of car insurance endorsements

  • Many discounts for potential savings

  • Superior financial strength rating from AM Best[3]

Cons
  • Must contact an agent to get a quote

  • Not available in all states

  • Mixed customer satisfaction ratings[1]

How to get same-day car insurance

The process of getting same-day car insurance is usually quick, especially if you use a car insurance comparison site.

Here’s how you can get same-day auto insurance online:

  1. Gather your information. Before you apply, you should gather the information you’ll need to get the most accurate quotes. This includes your driver’s license number and your vehicle’s VIN and current mileage.

  2. Decide how much coverage you need. Check your state laws about liability coverage and think about add-ons like collision and comprehensive coverage. You may want to consider full-coverage policies, depending on your situation. If you have insurance already, you can use your previous policy as a guide.

  3. Compare car insurance quotes. A quote-comparison site can help you see coverage options and car insurance rates to find affordable car insurance. In addition to price, it’s a good idea to also consider each company’s financial strength and customer satisfaction ratings.

  4. Purchase the policy. Once you choose an insurer, you can purchase your policy. Most comparison sites will redirect you to the insurance company’s website to complete the process. Make sure to choose the current date as your policy’s effective date. You’ll need to pay at least the first month’s premium before your coverage can begin. Then, you can download your proof of insurance.

Is same-day car insurance legitimate?

Yes, same-day car insurance is legitimate. Same-day car insurance simply means that your car insurance policy starts on the same day that you apply and pay the initial premium.

Same-day car insurance allows you to get coverage instantly rather than a few days or weeks after you apply. There’s no difference in coverage or cost.

How long does it take to get car insurance?

It usually only takes a few minutes to get same-day car insurance. Once you’re approved and make your payment, your policy begins immediately. But the process could take a little longer if you don’t submit all your personal information correctly or you’re not able to pay right away.

Be sure to have all your information organized, like your driver’s license number and VIN, when you apply.

Cheapest recent rates

Insurify’s drivers have found rates ranging from $35/mo. to $239/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest same-day insurance companies

When shopping for same-day car insurance, it’s important to research multiple companies and compare rate quotes. The cheapest same-day car insurance premium you find isn’t necessarily the best option. You should compare insurers based on cost, coverage options, discounts, customer service, and claims satisfaction to ensure you’re picking a reliable one.

In the table below, you can see which companies offer the cheapest same-day car insurance.

Insurance Company
Full Coverage
Liability Only
HugoN/A$222
Auto-Owners$72$34
USAA$99$45
State Farm$119$54
GEICO$118$54
Progressive$152$97
American Family$160$72
Nationwide$181$84
Travelers$191$89
Farmers$239$109
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.

What to watch out for when purchasing same-day insurance

While same-day car insurance can be convenient for some drivers, it has a possible few downsides to consider. Here are three potential risks to watch for when buying same-day auto insurance.

You may miss out on discounts

Some car insurance companies offer discounts that may not be available to drivers who purchase same-day coverage. For example, Auto-Owners offers an “advanced quote” discount to customers who apply for an auto insurance quote before the effective date of the policy. If you want same-day coverage, you won’t be eligible for these types of savings.

You might be limiting your options

Some reputable car insurance companies don’t sell same-day car insurance. If you need same-day coverage, keep in mind that you could be limiting your options. It’s possible that the best car insurance company for your coverage needs and budget doesn’t offer same-day coverage, forcing you to settle for a different insurer.

You could rush into a poor decision

If you need car insurance coverage fast, you might not give yourself enough time to thoroughly research insurers, compare quotes, and make the best decision for your needs. As a result, you could rush into purchasing a policy that isn’t ideal for you. If you need coverage quickly, try to give yourself as much time as possible to choose the best insurer.

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4 reasons an insurer may deny drivers same-day car insurance

Not all drivers can qualify for same-day car insurance. Here are some of the most common reasons an insurer might deny you same-day coverage:

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    You don’t have a Social Security number

    You typically need a Social Security number to purchase a car insurance policy. While you don’t always need one to get car insurance, it could prevent you from getting immediate coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/4d03c561b5/declaration-page.svg

    You didn’t fill out the application completely

    If your car insurance application has any gaps or missing information on it, you may have trouble getting same-day coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/7adadbd97c/car-and-driving-96x96-gold_023-driving-test.svg

    You have a problematic driving record

    You might not qualify for same-day car insurance if you have a complicated driving record with multiple violations, accidents, or past claims.

  • illustration card https://a.storyblok.com/f/162273/150x150/e4caf71395/car-sharing-96x96-orange_040-shield.svg

    You want to insure a rare vehicle

    If you want to insure a rare or unique vehicle, like a collector car or an expensive sports car, it might take several days to get approved for car insurance.

Same-day car insurance FAQs

Same-day car insurance can be a good option for many drivers. Learn more about same-day auto insurance with these questions and answers.

  • Can you get car insurance for just one day?

    No. Most car insurance companies won’t insure you for just one day. Car insurance policies typically come in six-month or 12-month periods. But Hugo allows drivers to purchase insurance for three days at a time, which can be a good option if you need temporary car insurance coverage.

  • Is same-day insurance more expensive?

    Same-day car insurance costs the same as other car insurance policies. Whether you purchase a same-day policy or purchase coverage two weeks before the policy starts, your premium won’t be any different, unless you qualify for certain discounts.

  • Is same-day car insurance retroactive?

    No. Same-day car insurance isn’t retroactive. When you purchase a policy, you get to choose what day the coverage starts, but the policy’s effective date can’t be in the past. The coverage you buy today won’t apply to last week or yesterday.

  • Can you get car insurance with no deposit?

    Most reputable car insurance companies require a deposit before your coverage can start. The minimum deposit is typically equal to the first month’s premium. But Hugo offers no-down-payment car insurance, which allows you to pay as you go.

  • Can you get car insurance to start immediately?

    Yes. You can get car insurance that starts immediately. In most cases, you can apply, purchase coverage, and begin your policy within minutes. Many insurers also provide digital proof of insurance that you can download right away.

  • Can you get car insurance online without talking to someone?

    Many car insurance companies will sell you a policy without you having to talk to an insurance agent. With companies like State Farm and American Family, the process of purchasing car insurance can happen entirely online. But they have agents available who can answer questions or guide you through the process if you need help.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. AM Best. "AM Best Affirms Credit Rating of American Family Mutual Insurance Co., S.I., Its Affiliates and American Family Life Ins. Co.."
  3. AM Best. "AM Best Affirms Credit Ratings of Auto-Owners Insurance Company and Subsidiaries."

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