Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Cheapest recent rates
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $46/mo for full coverage.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you need to insure more than one vehicle, a multi-car policy is likely the cheapest way to do so. Luckily, most car insurance companies offer multi-car policies and provide a discounted rate.
Elephant, GEICO, and State Farm offer some of the best multi-car discounts, according to Insurify research. Elephant policyholders with two or more insured cars can save up to 39% on coverage.
Here’s how to compare quotes and find the best multi-car policy for you.
Quick Facts
The average cost for a two-car liability policy is $177 per month.
USAA and State Farm are the cheapest insurers for two-car liability insurance policies, with respective averages of $78 and $90 per month.
With a multi-car policy, you can have all your policy details for each car in one place.
Best multi-car insurance companies
When you’re looking for a new auto policy, it’s always a good idea to compare quotes and coverage options from multiple insurance companies. Learn more about a few of the best insurers for multi-car coverage below.
GEICO: Best insurance company for discount options
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 /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.
$116/mo
4.0
Best choiceBased on 11,587 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,311)
Joseph
April 27, 2025
Verified Review
Terrible
Terrible, you guys ripped me off for 3 years. I got rates for half of what you charged me. And at the end, you sent me a letter saying that it's going up by 11 dollars. I'm a driver that rarely uses the car, never had a ticket or accident, or any problems at all, and always paid my payment on time. To top it off, I called you after I obtained new insurance with another company. The person on the phone stated that I need to continue to pay my payments for the next 6 months no matter what. This is ridiculous. If I don't receive my prorated balance of my last payment I just paid to GEICO auto insurance, I will make this public. Goodbye!
Richard
April 27, 2025
Verified Review
Unexpected Price Increase
The price of my insurance went up even though I didn’t have any tickets or accidents.
Eyeris
April 27, 2025
Verified Review
Solo voy a estar con este seguro por un mes, su alto precio me obliga a cambiar
La verdad, no lo recomendaría. Los precios son muy altos y no me preguntaron si yo era conductor en mi país.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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
GEICO offers a sizable multi-vehicle discount of up to 25% for customers who insure two or more vehicles. The company stands out for offering more than 15 auto insurance discounts, including airbag, anti-theft system, good driver, emergency deployment, and multi-policy discounts. GEICO also has affordable average premiums well below the national average cost.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
State Farm: Best insurance company for cheap coverage
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.
$55/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.
$117/mo
4.2
Best choiceBased on 10,713 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,874)
Sarah
April 27, 2025
Verified Review
Horrible customer service and I've been with them for years!
Horrible. I've been with them for years, and it's all about the money and getting every dime they can for as little coverage as possible. Customer service is horrible, at least at State Farm in Wichita Falls, TX. They never call you back or leave a message, like they don't care, which they don't. If you can't reach me by phone, leave a message or email; don't use that as an excuse or say it's my fault. Try a little harder, please! Oh well, goodbye. I got way more coverage for WAY cheaper, saving me $1,200 a year!
William
April 27, 2025
Verified Review
Rates
Instead of raising everyone's rates, those of us with no claims should see a rate discount based on longevity!
Jennifer
April 27, 2025
Verified Review
I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.
I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.
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
Of the companies with multi-car discounts, State Farm offers the cheapest average car insurance premiums. You can earn a multi-car discount of up to 20% for insuring two or more cars with State Farm. The company doesn’t offer as many discounts as some competitors, but it does have standard savings opportunities for good drivers, vehicle safety, driver training, good students, and more.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Elephant: Best insurance company for biggest multi-car discount
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.
8.3 /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.
$135/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.
$200/mo
3.5
A solid optionBased on 120 verified guest reviews and ratings
How drivers feel about Elephant
Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.
AI-generated from the text of verified reviews collected by Insurify
Best For
Optional coverages
Good drivers
Numerous discounts
How drivers feel about Elephant
Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.
AI-generated from the text of verified reviews collected by Insurify
Best For
Optional coverages
Good drivers
Numerous discounts
Reviews (66)
Elizabeth
April 19, 2025
Verified Review
Ehh
Expensive
Shamika
April 9, 2025
Verified Review
High Prices and Mandatory Auto Pay
I would not recommend my family to insure their cars with Elephant.
Jason
April 8, 2025
Verified Review
Fair
The cost is too high and I can never get a hold of anyone to lower my rates.
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.
0.77
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
Elephant has the biggest multi-car discount, up to 39%, based on Insurify research. The company advertises that policyholders can save up to 40% from discounts total. Some savings offerings from Elephant include multi-car, early bird, multi-policy, claims-free, student, and pay-in-full discounts.
Pros
Great discounts
Unique coverage options, such as pet injury and legal coverage
Offers a diminishing deductible for accident-free drivers
Cons
Available in only eight states
Not rated by AM Best for financial stability
Not rated by J.D. Power for customer satisfaction
Our editorial team analyzed auto insurance companies that sell multi-car policies to assess which offer the best rates, coverage options, customer service, and savings. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How multi-vehicle car insurance policies work
Multi-car policies work just like single-car policies: You decide on coverage types and coverage limits for the cars you want to insure. Then, your insurance company will cover damages and injuries for claims for all cars you insure with the policy, up to the policy limits.
To get a quote, you just need to provide:
The makes and models of each car on your policy and possibly their vehicle identification numbers (VINs)
The types of coverage and coverage limits you need
How you intend to use the vehicles, including annual mileage
Information for each driver on your policy, including driver’s license numbers and dates of birth
To qualify for a multi-car policy, you need to have your cars registered at the same address. Depending on the insurer, the cars may also need to belong to the same person. Insurers may limit the maximum number of vehicles allowed on a single policy — usually five or fewer. You can insure each of these vehicles at different comprehensive and collision coverage levels, too, but liability limits are usually the same across all vehicles.
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4.8/5
Can vehicles have different insurance coverage options?
If multiple vehicles are on the same policy, they can’t have different coverage options. Generally, liability and other state-mandated coverages have to be the same across all vehicles on one policy. But you can have different comprehensive and collision coverage options for the different vehicles on your policy.
Can multi-car insurance policies cover multiple drivers?
While it varies by company, you can typically have multiple people insured under a multi-car policy. Similar to having multiple drivers on a car insurance policy, you can add your partner, driving-eligible children, or another family member to your coverage.
For example, if your teenager uses multiple family cars, you can add them as a named driver on the policies. This may increase your premium, but it would be cheaper than buying your teen their own policy.
An example of when this wouldn’t be necessary is if someone already has their own insurance. If your parents are visiting and want to drive your cars, they don’t need to be named on your policy if they already have insurance.
Some insurers limit the amount of named drivers on your policy or have stipulations like sharing a primary address, so it’s important to talk to an agent before adding another person.
Cheapest recent rates
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $46/mo for full coverage.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance companies for drivers with multiple vehicles
USAA has the cheapest average liability-only premium for two-car policies, at $78 per month, but the company only sells coverage to eligible military members and their families. State Farm has the cheapest average premium for coverage available to all drivers, with an average monthly premium of $90.
Compare average liability quotes for two-car policies below.
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.
Multi-car insurance discounts by company
The easiest way to save money while insuring more than one vehicle is by using a multi-car or multi-vehicle discount. Keep in mind that some companies don’t offer a multi-car discount, so review the policies of various insurance companies before purchasing a policy.
In the table below, you’ll find discounts for purchasing a multi-vehicle policy from various top insurance companies.
Insurance Company
Discount
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.
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.
Other discounts to take advantage of
Remember that you’ll also have access to discounts beyond the multi-car discount. You should try to get all the discounts you qualify for — the more discounts you get, the less you’ll pay for coverage.[1] Here are a few to look for:
Multi-policy (bundling)
If you purchase another policy — like homeowners, renters, umbrella, or life insurance — with your auto insurance, your insurer will likely apply a discount for both.
Good driver
Drivers with no at-fault accidents or moving violations in the past three to five years typically get a good driver discount to lower their premiums.
Defensive driving course
Some insurers apply discounts for drivers who complete an approved driver education course.
New car
Not many insurers offer discounts for people who drive new cars, but you may be eligible for a new-car discount if you’re the vehicle’s first owner and it’s a newer model year. The requirements vary by insurer, so it’s a good idea to call an agent and ask about the details.
Car safety features
If your vehicle has standard safety features, like anti-lock brakes, airbags, and daytime running lights, you could qualify for a discount.
Students
Many insurers offer students and young drivers a discount on their car insurance policy if they earn good grades and submit their transcripts to the company. College students may also be eligible for a student-away-at-school discount if they attend a college that’s a certain number of miles away from home.
Anti-theft devices
Car theft deterrents include automatically locking doors, steering wheel locks, brake locks, and after-market kill switches. These types of devices for your car can reduce your insurance premiums.[2]
Military, employer, or affiliation
If you’re in the military, work as a teacher, or are an alumnus of eligible universities, you may be able to get car insurance discounts with certain insurers.
Benefits of insuring multiple vehicles on one policy
When you have several cars to insure, it’s almost always worth buying a multi-car policy. They usually offer the lowest cost while also making it easier for you to manage your policy.
One payment: Multi-car insurance allows you to manage all your different policies in just one place, simplifying the process.
Shared deductible: If a single accident damages more than one of your cars, you’ll only have to pay one deductible, saving you time and money.
Insurance stacking: Some states allow drivers to stack uninsured and underinsured motorist coverage limits in the event of a claim. If you have uninsured motorist limits of $50,000 per person and $150,000 per accident on two vehicles, you can stack those limits to double the amounts to $100,000 per person and $300,000 per accident.
Significant discount: Multi-car discounts are one of the best car insurance discounts available, with some companies providing up to 39% off your total policy cost. Some companies might call this discount a loyalty discount.
When you shouldn’t insure multiple vehicles on one policy
While taking advantage of a multi-car policy almost always saves you money over time, it may not make sense for every household to insure multiple vehicles on one policy. Here’s when you may consider insuring your vehicles under different policies:
You have a classic or vintage car. Classic cars require special coverage that may have different requirements, such as where to store it, how often you can drive it, and an agreed-upon value, that your current insurance company can’t meet. You may want to buy an auto policy from a company that specializes in insuring classic cars in this case.
Someone in your household has a poor driving record. Insurance companies consider the vehicle’s primary driver’s record when setting premiums. If another driver in your household has a poor driving record, their past mistakes on the road can increase your rates.
Your child doesn’t live with you anymore. When your child is at school, they can stay on your auto policy as long as their primary address is the same as yours. But after graduation and moving into their own place, your child needs their own auto insurance policy.
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How coverage works for a multi-car insurance policy
When you buy multi-car insurance, you can customize coverages for each car on the policy. Here are the coverage options auto insurers typically offer:
Liability
This covers damages and injuries you cause to other parties in an accident, up to the policy limits. Most states require every driver to purchase liability insurance to legally drive.
Comprehensive
Usually part of a full-coverage policy, comprehensive insurance provides coverage for vehicle damages in non-collision events. This coverage includes damages from severe weather, falling objects, theft, and vandalism.
Collision
While liability insurance covers damages and injuries to other parties in an accident you cause, collision insurance covers your vehicle’s damages from an accident, no matter who caused it. This also includes single-car accidents and hitting stationary objects, such as a tree, fence, or light pole. Collision insurance also covers rollover accidents.
Uninsured/underinsured motorist
Some states require this coverage, and it kicks in when someone without insurance — or without enough insurance to pay for damages and injuries — causes an accident. UM/UIM coverage can also pay in case of a hit-and-run or pedestrian accident.
Personal injury protection (PIP)
Also a requirement in no-fault states, PIP provides coverage for your passengers’ injuries and lost wages after an accident, regardless of who caused it.
Medical payments (MedPay)
Another insurance requirement in some states, MedPay is similar to PIP in that it provides coverage for your and your passengers’ injuries after an accident, even if you caused it.
Factors that affect the cost of multi-car insurance
The national average cost for a two-car policy is $177 per month for liability coverage and $362 for full coverage, according to Insurify’s proprietary data. But the exact rate you’ll pay depends on a number of factors, including:[3]
Where you live: Areas with heavy traffic and high vehicle crime statistics typically have higher insurance rates.
The cars you drive: Newer or more expensive cars usually cost more to insure.
Your coverage limits: The higher your coverage limits, the more you’ll pay.
The number of drivers on your policy: The more people you insure, the more expensive your policy.
Driving history: Drivers with clean driving records typically pay less than people with at-fault accidents, speeding tickets, or DUIs.
Your credit history: Drivers with good credit usually pay less than drivers with bad credit.
Car insurance for multiple vehicles FAQs
If you’re shopping for a multi-vehicle insurance policy, this additional information may help as you’re researching different companies.
How many cars can you cover on one auto insurance policy?
Most auto insurance companies have a limit of five cars per policy, meaning you can insure up to five vehicles on a single multi-car policy. But every insurance company has its own rules and policies. Some allow more vehicles per policy, and some allow fewer.
What’s the best car insurance company for insuring multiple vehicles?
Based on the specific discount, Elephant is the best car insurance company for insuring multiple vehicles. You can save up to 39% on coverage with Elephant. But companies with higher IQ Scores that have good multi-car discounts include GEICO and State Farm. Drivers can save up to 25% with GEICO and up to 20% with State Farm.
Is it cheaper to insure multiple cars?
In most cases, yes. It’s often cheaper to insure multiple vehicles under one policy since many insurance companies offer a multi-car discount. For example, the average cost of liability-only insurance in the U.S. is $170 per month, so insuring two cars with separate policies at this rate would be $340 per month. But with a 25% multi-car discount, the rate for insuring two cars drops to $255 per month, saving drivers around $1,020 annually.
What are stacked insurance limits?
Stacked insurance limits refer to combining the limits from multiple policies. Typically, this applies only to uninsured/underinsured motorist (UM/UIM) coverage. For example, if you have two cars in your multi-car policy, and each car has $20,000 in UM/UIM coverage, you could stack the two policies to get a total of $40,000 in coverage.
The ability to stack limits varies by state and insurer, so check your local laws or ask an agent to learn more. Only some states allow this practice.
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.
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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