Compare Car Insurance Rates From $45/mo. (Updated March 2026)
Find the lowest car insurance rates from 120+ insurers and save up to $1,100† annually with Insurify’s insurance-comparison tool.
Secure. Free. Easy-to-use.
Excellent
)
Written byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Edited byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data reviewed byKonstantin Halachev
)
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
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Choosing the right insurer can save you hundreds or thousands of dollars per year on your car insurance coverage without compromising your insurance needs. But finding that insurer means shopping around for your auto insurance policy. Car insurance comparison sites simplify the process by letting you view quotes side by side and purchase your insurance using just one website.
Here’s what you should know about comparison shopping for car insurance, including how comparison sites work, potential savings, accuracy, and what to consider before you buy a policy.
Quick Facts
Drivers can save up to $1,100† per year by comparing rates with Insurify.
Rates vary significantly between insurers for the same driver profile.
It takes just a few minutes to compare auto insurance quotes online.
Compare car insurance rates from top companies (side-by-side example)
Comparing car insurance rates side by side shows how much prices can vary for policies with the same limits and driver profile.
Each insurance company sets its prices based on its own pricing model and underwriting guidelines. Insurers consider various risks, statistical factors, market conditions, and more to set prices that allow them to cover their costs and compete for your business.
The table below shows how average car insurance costs vary across several major insurance companies.
 |  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $124/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $81/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $76/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $110/mo* |
Overall rating 3.1 | Overall rating 4.0 | Overall rating 3.9 | Overall rating 4.9 | Overall rating 3.8 |
Value for money 3.0/5 | Value for money 3.7/5 | Value for money 3.8/5 | Value for money 4.9/5 | Value for money 3.3/5 |
Customer service 3.4/5 | Customer service 4.2/5 | Customer service 4.1/5 | Customer service 4.8/5 | Customer service 3.8/5 |
Claims handling 3.3/5 | Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.9/5 | Claims handling 3.8/5 |
Special highlight Competitive ratesAI-generated from 8225 user reviews | Special highlight Customer serviceAI-generated from 7281 user reviews | Special highlight Teen driversAI-generated from 7505 user reviews | Special highlight Members of the military communityAI-generated from 1505 user reviews | Special highlight Accident forgivenessAI-generated from 4323 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Find Cheap Car Insurance
Insurify partners with 120+ top auto insurers
Excellent
4.7 out of 5 based on 12,864 reviews
Secure. Free. Easy-to-use.
How much can you save by comparing car insurance?
Depending on your driver profile, you can save up to $1,100† annually if you compare auto insurance rates every year.
A rate is the amount an insurer needs to charge to profitably insure a vehicle.[1] Because companies use their own methods to calculate rates, it makes sense to compare car insurance quotes to find the best deals.
Here are some of the cheapest insurance rates you’ll find as a driver with a clean driving record.
The below national rates are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company  | Liability Only | Full Coverage |
|---|---|---|
| USAA | $52 | $100 |
| State Farm | $55 | $107 |
| Allstate | $75 | $144 |
| American Family | $82 | $153 |
| GEICO | $86 | $142 |
| Progressive | $91 | $157 |
| Nationwide | $96 | $183 |
| Travelers | $99 | $187 |
| Farmers | $109 | $210 |
| Liberty Mutual | $150 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Agent Tip: Compare quotes from multiple insurers
)
Mallory Mooney
Director of Sales and Service
It’s a good idea to compare quotes on a regular basis because you may find an insurance company that’s more affordable than your current insurer. How much you can save will vary, but you could save hundreds or thousands on coverage each year by switching to an insurance company with a better available deal for your needs.
Tips to find the cheapest car insurance rates
Comparing quotes is the best way to find cheap car insurance rates. You can also take advantage of these additional ways to save.
Select a higher deductible. A higher deductible means you’ll pay more out of pocket if you file a claim. But a higher deductible reduces your premium, so it could be worthwhile if you have enough savings to cover it.
Bundle your policies. Insurance companies often offer discounts for customers with two or more policies. You may want to bundle car insurance with your home insurance or renters insurance policy.
Improve your credit. A better credit history correlates with less risk of filing a claim, so your insurance company may charge you less for coverage than someone with a worse credit history.
Maintain a positive driving history. It’s important to avoid risky behaviors like speeding that can result in tickets or accidents.
Look for discounts. Insurance companies typically offer a variety of discounts you might qualify for.
Make flexible payments with Insurify Car. You can pay for liability-only coverage from Insurify Car in small payments of seven days at a time, with the freedom to cancel your policy at any time.
Recent quotes for other Insurify users
Recent car insurance prices for Hyundai, Chrysler, Ford, and more. Insurify features quotes from 120+ carriers including Direct Auto, Root, and GAINSCO.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 24, 2026. 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 March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Top car insurance discounts for drivers to take advantage of
Most car insurance companies offer several car insurance discounts that you may qualify for. Bundling and multi-car policies are two common discounts that help people reduce car insurance rates by insuring their home, apartment, or multiple cars all with the same insurer.
Drivers can also save by driving safely, installing safety features, and more, though discount types and amounts vary by insurer and driver.
The following table will help give you an idea of the discounts you might qualify for and how much you could save.
Discount | Savings | How to qualify |
|---|---|---|
| Anti-theft | 23% | Have an anti-theft device in your vehicle, such as an alarm or a vehicle-recovery system |
| Bundling | 7%–25% | Purchase car insurance and another eligible insurance policy from the same insurer |
| Good driver | 22% | Maintain a driving record free of traffic violations, accidents, and insurance claims |
| Military | 15%–25% | Indicate your military status on your insurance application and provide proof if asked |
| Multi-car | 7%–25% | Insure two or more cars with the same insurer |
| Passive restraint | 30% | Have seat belts and airbags in your car |
| Telematics | 10%–30% | Install a telematics device or app, then drive safely |
Advice from the experts
Agent Tip: Check with your insurer about eligible discounts
)
Jacob Gee
Quality Assurance Supervisor, Insurify
Think about the types of discounts you may qualify for, and make sure you see those savings. If you have a spotless record, ask your agent or insurer if you’re eligible for a good driver discount. If you want to combine your renters insurance and car insurance with the same company, shop around to find the insurer that offers the best bundling discount. You should feel comfortable being proactive and asking your insurer questions that come up.
Shop for Cheap Car Insurance
Liability quotes start at $45/mo.
Excellent
4.7 out of 5 based on 12,864 reviews
Secure. Free. Easy-to-use.
How insurance-comparison sites work
Car insurance comparison sites are online marketplaces where insurance shoppers can compare quotes from multiple insurers at once. These sites ask shoppers to provide information about their location, car, driving history, desired coverage amounts and types, and more in order to present suitable quotes from partner insurance companies.
Comparison sites like Insurify earn a commission when you purchase a policy through a quote they provide.
How to use a car insurance comparison site
Comparison websites make it easy to compare auto insurance rates and policies. The exact process might vary slightly between sites, and most allow you to work directly with an insurance agent.
Here are the general steps you’ll take to request rates online from a comparison site:
1. Navigate to the comparison site
Click the button to start requesting your quotes.
2. Select how much coverage you want
Follow the prompts to select the type of insurance you want.
3. Provide necessary details
Answer questions about your driver profile, vehicle type and characteristics, location, and more.
4. Wait for the results
Submit your request and wait for your rate quotes.
5. Buy coverage
Purchase your insurance online or through an agent.
What affects your car insurance rates?
Insurers base your car insurance quotes on many factors that help them assess risk, including:[2]
Driving record
How much and where you drive
ZIP code
Age and gender
Vehicle type
Credit history (where allowed)
Coverage choices and limits
Is comparing car insurance online accurate and safe?
Comparing car insurance quotes online is accurate and safe. Insurance-comparison sites use advanced technology to provide quotes and safeguard your information.
Are comparison sites accurate?
Insurance-comparison websites use the information you provide to generate quotes, so it’s important to provide accurate details. That said, your initial quote is just an estimate. The insurer will lock in your rate after its underwriter verifies your information.
Are comparison sites safe?
Legitimate car insurance comparison sites are safe. They use encryption to guard your data from hackers and have privacy policies that restrict them from selling your information to third parties.
It’s important to understand the difference between legitimate comparison sites that sell you insurance and lead-generation sites that collect your information and sell it to insurance companies.
Using a lead-generation site often leads to spam messages, calls, and emails. Avoid sites with disclaimers saying they share your personal information with companies that might call or text you for marketing purposes.
Why drivers give us an Excellent rating on Trustpilot
Insurify is the nation’s highest-rated insurance-comparison site on Trustpilot, earning 4.7 out of 5 stars based on over 12,500 reviews. Customers appreciate Insurify’s fast and easy quote process, excellent customer service, and significant cost savings on insurance.
See how some Insurify customers feel about quote comparison from Insurify below.
Pros and cons of comparing online
Comparing insurance online has pros and cons. Here’s what you should be aware of before you start shopping for insurance on your used or new car.
Pros
Less time-consuming than shopping insurers’ sites
Easy side-by-side comparisons
One-stop shopping and purchase
Access to live agents
Cons
Insurers limited to the comparison platform’s partners
Quotes can change after underwriting
Some sites sell customers’ information
Must talk with an agent to fully customize coverage
Average cost of car insurance in the U.S.
The average car insurance premium in the U.S. is $99 per month for liability coverage and $173 for full coverage. But ultimately, the price you pay for car insurance depends on factors related to your own driver profile.
The following table illustrates how factors like age and driving history affect average car insurance quotes.
Driver Profile | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Clean driving record | $45 | $83 |
| A speeding ticket | $67 | $113 |
| An at-fault accident | $64 | $110 |
| A DUI | $62 | $123 |
| Has an SR-22 | $57 | $105 |
| Teen drivers | $63 | $183 |
| Senior drivers | $33 | $60 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How car insurance rates are trending in 2026
The national average insurance rate for full coverage will level off this year with a modest 1% increase by the end of 2026, according to Insurify data estimates. An affordability gap exists between lower-cost states, which are likely to see price drops, and higher-cost states, where prices are likely to rise, as highlighted in Insurify’s car insurance report.
That disparity is part of a continuing trend that began last year. Following a steep 46% increase from 2022 to 2024, the national average full-coverage premium fell 6% last year, thanks to price drops in 39 lower-cost states. This overall average decreased despite double-digit increases in high-priced states.
Insurify estimates car insurance prices will increase in 35 states in 2026, with Georgia, Washington, and Washington, D.C., on track for the highest increases, at 1.8% each. Nebraska may see the largest decrease (1.4%), followed by Iowa and Minnesota (1.3%).
Find Affordable Car Insurance
Unlock savings and discounts when you compare rates through Insurify
Excellent
4.7 out of 5 based on 12,864 reviews
Secure. Free. Easy-to-use.
Average cost of car insurance by state
The national average annual car insurance rate is $1,631. That said, state averages range from less than $1,000 per year to more than $4,000.
Washington, D.C., had the highest average by the end of 2025, at $4,017 annually. The Insurify analysis attributed the high cost to an overall high cost of living, high population density, and a high rate of uninsured drivers.
New Hampshire had the nation’s lowest annual rate of $956, likely thanks to strong competition among insurance companies and its insurer-friendly regulatory environment.[3]
The following table lists average monthly car insurance quotes for each U.S. state.
The below national rates are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
State | Average Liability-Only Monthly Quote | Average Full-Coverage Monthly Quote |
|---|---|---|
| New Hampshire | $52 | $77 |
| Iowa | $52 | $91 |
| Wyoming | $55 | $96 |
| Hawaii | $58 | $119 |
| Wisconsin | $58 | $109 |
| South Dakota | $60 | $133 |
| Vermont | $62 | $128 |
| Montana | $62 | $120 |
| Idaho | $62 | $98 |
| New Mexico | $64 | $122 |
| North Dakota | $65 | $104 |
| Tennessee | $66 | $128 |
| North Carolina | $66 | $89 |
| Indiana | $67 | $123 |
| Nebraska | $67 | $127 |
| Alabama | $68 | $128 |
| Ohio | $69 | $116 |
| Mississippi | $70 | $133 |
| Alaska | $70 | $113 |
| Kansas | $73 | $134 |
| Arkansas | $77 | $143 |
| Oklahoma | $79 | $154 |
| Maine | $79 | $130 |
| West Virginia | $80 | $136 |
| Illinois | $82 | $149 |
| Minnesota | $88 | $152 |
| Oregon | $90 | $140 |
| Colorado | $90 | $189 |
| Missouri | $90 | $169 |
| California | $92 | $190 |
| Washington | $93 | $161 |
| Utah | $93 | $137 |
| Pennsylvania | $93 | $147 |
| Arizona | $94 | $159 |
| Louisiana | $101 | $179 |
| Virginia | $108 | $173 |
| Massachusetts | $109 | $153 |
| Texas | $117 | $208 |
| Kentucky | $118 | $183 |
| Michigan | $135 | $211 |
| Delaware | $150 | $207 |
| New York | $150 | $170 |
| Rhode Island | $153 | $209 |
| Nevada | $156 | $235 |
| South Carolina | $157 | $227 |
| Connecticut | $158 | $224 |
| Georgia | $158 | $239 |
| Florida | $165 | $204 |
| Maryland | $178 | $260 |
| New Jersey | $184 | $255 |
| Washington D.C. | $204 | $299 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance comparison FAQs
Knowing how comparison websites work and the best ways to use them is key to finding the lowest car insurance rates.
No. Comparison sites show you only the companies they partner with. For Insurify, those companies include major insurers like Allstate, Progressive, State Farm, and Liberty Mutual.
Comparison sites make money when you buy insurance from personalized quotes they provide, or after following links on their websites.
Here are a few tips to keep in mind when comparing car insurance quotes online:
Use a reputable comparison site that sells insurance, not leads.
When requesting quotes, answer questions honestly to get the most accurate quotes.
Make sure you’re comparing quotes for the same policy amounts and types for a true apples-to-apples comparison.
Compare quotes from three or more auto insurers every six months.
Insurify is the highest-rated insurance comparison site on Trustpilot, with a rating of 4.7 out of 5 stars. It partners with 120+ insurance companies and uses patented technology to produce reliable, real-time quotes.
Comparison sites that keep your private information private are safe to use, but you should avoid all lead-generation websites. Look for comparison sites that pledge never to sell your information.
Yes. Just like physical insurance agencies, comparison sites have licenses for the states they operate in. The difference is that you can shop at your convenience and view rates side by side without having to speak with an agent unless you want to.
State Farm, GEICO, Travelers, and USAA are among the best national auto insurers. The best car insurance company for you will depend on your coverage needs, driving profile, location, and more.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
Related articles
)
Pretected Reviews
September 25, 2025
)
Free Car Insurance Quotes Online - Compare Rates & Save
March 24, 2026
)
How to Shop for Car Insurance in 2026 | Step-by-Step Guide
March 24, 2026
)
6-Month vs. 12-Month Car Insurance Policies
March 24, 2026
)
How Does Car Insurance Work?
July 1, 2025
)
How Long Does It Take to Get Car Insurance?
March 24, 2026
)
Can You Get an Anonymous Car Insurance Quote?
March 24, 2026
)
The 10 Largest Auto Insurance Companies in the U.S.
March 24, 2026
Sources
- International Risk Management Institute (IRMI). "Rate."
- Insurance Information Institute (Triple-I). "What determines the price of an auto insurance policy?."
- New Hampshire Insurance Department. "New Report Shows New Hampshire Among the Most Affordable States for Auto Insurance."
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.