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Berwyn, an Illinois suburb with more than 55,000 residents, sits about 10 miles west of downtown Chicago.[1] Yet, in terms of car insurance costs, Berwyn drivers pay much less for coverage than their Cook County neighbors in Chicago. The average monthly cost of car insurance in Berwyn is $136, while Chicago drivers pay $160, on average.
Berwyn drivers also pay less on average than the overall national average of $160 per month and the state average of $132. Auto-Owners, State Farm, and Hugo offer the cheapest average quotes in Berwyn, but comparing quotes from multiple insurers is the best way to find the cheapest coverage for your needs.
Here’s what you need to know about finding cheap car insurance in Berwyn.
Quick Facts
Berwyn drivers pay $82 per month for liability coverage and $189 for full-coverage insurance, on average.
Illinois auto insurers can consider your credit-based insurance score as one factor when determining insurance premiums.[2]
Illinois is an at-fault state, which means the driver who caused an accident is responsible for the cost of all injuries and damage resulting from the accident.[3]
Cheapest car insurance companies in Berwyn
Drivers in Berwyn enjoy a number of options for cheap car insurance, including liability-only coverage and full coverage. The right auto insurance company for you depends on your budget, insurance needs, and life circumstances. This means the cheapest insurer you find might not be your best option.
Learn more about three of the city’s top insurers below. Rates shown in the table are for the state of Illinois.
Insurance Company
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.
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 28,000 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.
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.
$30/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.
$46/mo
Auto-Owners offers the cheapest liability and full-coverage insurance in Berwyn. Policyholders have more than a dozen coverage options to choose from, including roadside service, loan or lease gap, and diminished value coverage. Customers can also save with at-fault accident forgiveness, collision coverage advantage, and common loss deductible coverage.
In addition to auto insurance, Auto-Owners also sells home, business, and life insurance. The company earned a higher-than-average satisfaction score of 833 out of 1,000 in the J.D. Power 2023 U.S. Auto Insurance Study.
Pros
AM Best financial strength rating of A++ (Superior)
Lower-than-average number of customer complaints recorded by the National Association of Insurance Commissioners (NAIC)
Cons
Lower-than-average ranking in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study
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.
9.0/10
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.
$49/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.
$76/mo
Though Erie doesn’t offer the cheapest car insurance in Berwyn, it has solid reviews among customers, which might make the extra cost worth it. In the J.D. Power 2023 U.S. Auto Insurance Study, Erie earned the top ranking for customer satisfaction in the North Central region, which includes Illinois.
Erie offers standard auto coverage options, as well as pet coverage to protect your pet after a car accident; roadside and rental bundles; personal items; auto glass repair; and locksmith services coverage.
Pros
Several available discounts
Rates won’t increase after a claim with Rate Lock feature
Cons
Online policy purchasing and claim filing not available
They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.
Eduard - July 24, 2024
Verified
Price, Service, Coverage - Everything is Very Good
Everything is as expected.
Teresa - July 23, 2024
Verified
Erie Insurance is a Great Insurance
I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.
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.
$32/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.
$50/mo
State Farm has some of the cheapest auto insurance quotes in Berwyn. It also ranks as the country’s best large insurer for auto insurance shopping, earning the top spot in the J.D. Power 2023 U.S. Insurance Shopping Study.[4] State Farm is a great option for families due to its discounts for students, safe drivers, and customers who bundle coverage.
The company has a lower-than-average number of complaints filed with the NAIC. Customers can benefit from one or more of State Farm’s 10 available discounts.
Pros
High financial strength rating from AM Best
Rideshare insurance available
Cons
Fewer discounts than some competitors
Must contact an agent to complete the quote process
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
How to get the cheapest car insurance in Berwyn
A number of factors affect how much you’ll pay for car insurance, including your driving record, location (even down to the ZIP code), age, gender, and vehicle make and model.[5]
Here are five tips for earning cheaper car insurance rates:
Compare quotes. Before buying a policy, you should always compare quotes from at least three insurance companies to get a good sense of what’s available.
Raise your deductible. Increasing your collision or comprehensive deductible typically results in lower monthly premiums. But before choosing a higher deductible, consider your ability to pay for repairs out of pocket if you cause an accident.
Bundle insurance policies. Buying auto and home insurance from the same company can earn you a discount on both policies.
Look into discounts. Most auto insurers offer discounts for maintaining a clean driving record, completing an approved defensive driving course, having anti-theft devices, and more.
Reduce your mileage. You can potentially lower your car insurance rates if you decrease the annual number of miles you drive.
Find Cheap Car Insurance in Berwyn, Illinois
Liability-only rates start at $30 per month
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Cheapest liability-only car insurance in Berwyn: Auto-Owners
Liability-only car insurance covers the bodily injuries and property damage you cause to others in a car accident. Like most states, Illinois requires motorists to carry a minimum amount of liability insurance. Auto-Owners is the cheapest insurer for liability-only car insurance in Berwyn, with an average cost of $30 per month.
Liability-only coverage is the least expensive auto insurance, but it's not for everyone. Minimum coverage may make sense if you don't have a car loan, don't lease your vehicle, and drive an older car that's less expensive to repair. The table below includes some of Berwyn’s cheapest liability-only insurance options.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$30
State Farm
$32
Hugo
$40
GEICO
$43
COUNTRY Financial
$45
Mile Auto
$47
Erie
$49
USAA
$53
American Family
$57
Mercury
$62
Nationwide
$67
Direct Auto
$68
Travelers
$72
Clearcover
$73
Farmers
$76
Safeco
$78
National General
$79
Allstate
$80
Dairyland
$89
Elephant
$94
GAINSCO
$95
Midvale Home & Auto
$97
The General
$99
State Auto
$101
Bristol West
$108
Liberty Mutual
$115
Foremost
$146
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.
Cheapest full-coverage car insurance in Berwyn: Auto-Owners
Liability coverage only applies to bodily injuries and property damage you cause the other driver and their passengers in a car accident. As its name suggests, full-coverage car insurance extends this coverage further. It includes liability, comprehensive, and collision coverage.
Full-coverage insurance generally works well for drivers with new or high-value vehicles or people who must buy comprehensive and collision coverage to meet a lender’s or leasing company’s requirements.[6] It's also good for anyone who wants a higher level of financial protection on the road. On average, drivers in Berwyn pay $189 per month for full-coverage insurance.
Begin your search for the cheapest full-coverage insurance quotes in Berwyn in the table below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$46
State Farm
$50
GEICO
$67
COUNTRY Financial
$70
Mile Auto
$70
Erie
$76
USAA
$81
American Family
$88
Hugo
$94
Mercury
$96
Safeco
$108
Nationwide
$110
Travelers
$111
Clearcover
$115
Farmers
$120
Midvale Home & Auto
$122
Allstate
$125
Direct Auto
$147
State Auto
$163
National General
$166
Elephant
$172
Liberty Mutual
$203
GAINSCO
$227
Dairyland
$243
Bristol West
$266
The General
$268
Foremost
$334
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.
Car insurance requirements in Illinois
Illinois follows a fault-based system that requires the driver responsible for an auto accident to cover the other driver’s losses, including property damage and bodily injury.
The state requires drivers to purchase a minimum amount of liability coverage and uninsured motorist bodily injury coverage to drive in Illinois legally.[7] This table below includes the state’s minimum car insurance requirements.
Optional coverage that an Illinois driver might consider for further protection includes the following:
Collision coverage
Collision insurance covers your vehicle damage caused by a collision with another car or an object.
Comprehensive coverage
Comprehensive coverage pays for repair or replacement costs for damage caused to your car by non-collision incidents, such as theft, fire, or severe weather.
Uninsured motorist property damage (UMPD)
UMPD covers damage to your vehicle caused by an at-fault driver who lacks insurance. If you don’t carry collision coverage, you can purchase UMPD with a maximum limit of $15,000, along with a $250 deductible.
Illinois Auto Insurance Plan
ILAIP
If your driving record prevents you from obtaining car insurance, you might qualify for coverage through the Illinois Auto Insurance Plan (ILAIP). Here are the four eligibility requirements for this coverage:
Other insurers must first reject you from buying coverage.
You must hold a valid driver’s license or have eligibility to get one.
You must not owe money for previous coverage dating back three years.
You must have a vehicle that’s safe to drive.
Cheapest car insurance for drivers with an incident
On average, Berwyn drivers with an incident on their record pay $114 per month for liability-only car insurance.
Shop for Car Insurance in Berwyn, IL
Monthly rates start at $38 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
A speeding ticket typically causes your car insurance premiums to increase because an insurer considers you more likely to have an accident and file a claim. The average cost of liability car insurance for a Berwyn driver with a speeding ticket is $119 per month. Full coverage averages $275 monthly for Berwyn motorists with speeding tickets.
Compare the cheapest car insurance quotes for drivers with a past ticket in Berwyn.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
$30
$40
State Farm
$32
$42
Hugo
$40
$55
GEICO
$43
$57
COUNTRY Financial
$45
$60
Mile Auto
$47
$65
Erie
$49
$66
USAA
$53
$69
American Family
$57
$75
Mercury
$62
$87
Nationwide
$67
$89
Direct Auto
$68
$90
Travelers
$72
$95
Clearcover
$73
$97
Farmers
$76
$99
Safeco
$78
$104
National General
$79
$104
Allstate
$80
$105
Dairyland
$89
$117
Elephant
$94
$135
GAINSCO
$95
$137
Midvale Home & Auto
$97
$132
The General
$99
$132
State Auto
$101
$144
Bristol West
$108
$141
Liberty Mutual
$115
$165
Foremost
$146
$210
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.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, you’ll typically face increased premiums because insurers may see you as a high-risk driver. How much your premiums increase will depend on the severity of the accident and whether you have other offenses on your record. In Illinois, you can only collect money from an at-fault driver if you’re less than 50% responsible for the accident.[8]
Berwyn drivers with a past at-fault accident pay $125 per month for minimum coverage car insurance, on average. Full coverage averages $288 for Berwyn drivers who've caused an accident. Below, you can compare the cheapest car insurance quotes for drivers with a past accident.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Auto-Owners
$30
$41
State Farm
$32
$44
Hugo
$40
$54
GEICO
$43
$60
COUNTRY Financial
$45
$64
Mile Auto
$47
$70
Erie
$49
$69
USAA
$53
$73
American Family
$57
$79
Mercury
$62
$91
Nationwide
$67
$94
Direct Auto
$68
$96
Travelers
$72
$100
Clearcover
$73
$108
Farmers
$76
$105
Safeco
$78
$105
National General
$79
$110
Allstate
$80
$111
Dairyland
$89
$123
Elephant
$94
$127
GAINSCO
$95
$127
Midvale Home & Auto
$97
$142
The General
$99
$139
State Auto
$101
$153
Bristol West
$108
$148
Liberty Mutual
$115
$173
Foremost
$146
$220
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.
Cheapest car insurance for drivers with a DUI: Auto-Owners
A DUI conviction will lead to higher car insurance rates because of the risks associated with driving under the influence of alcohol or drugs. The severity of the offense can lead to penalties, license suspension, and cancellation of coverage.
For drivers in Berwyn with a past DUI on their record, the average cost of car insurance is $141 per month for liability-only coverage and $325 for full coverage. Here are the cheapest options for drivers with a past DUI.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Auto-Owners
$30
$51
State Farm
$32
$54
Hugo
$40
$60
GEICO
$43
$73
COUNTRY Financial
$45
$77
Mile Auto
$47
$72
Erie
$49
$83
USAA
$53
$90
American Family
$57
$97
Mercury
$62
$95
Nationwide
$67
$114
Direct Auto
$68
$116
Travelers
$72
$123
Clearcover
$73
$124
Farmers
$76
$129
Safeco
$78
$133
National General
$79
$135
Allstate
$80
$136
Dairyland
$89
$152
Elephant
$94
$160
GAINSCO
$95
$162
Midvale Home & Auto
$97
$165
The General
$99
$169
State Auto
$101
$172
Bristol West
$108
$184
Liberty Mutual
$115
$196
Foremost
$146
$249
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.
Cheapest car insurance for seniors: Auto-Owners
Your age affects how much you pay for auto coverage. In most states, drivers generally pay the lowest car insurance rates in their 50s and 60s. But premiums may increase for drivers 70 and older because older drivers have a greater risk of car accidents and serious injury due to aging-related factors.
On average, senior drivers in Berwyn pay $135 per month for full coverage and $59 for liability-only car insurance. Here are some of the cheapest quotes for older drivers in Berwyn.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$22
$34
State Farm
$23
$36
Hugo
$26
$62
GEICO
$32
$50
COUNTRY Financial
$33
$52
Mile Auto
$33
$49
Erie
$34
$53
USAA
$39
$60
American Family
$41
$64
Mercury
$44
$68
Nationwide
$46
$76
Direct Auto
$49
$106
Travelers
$53
$81
Clearcover
$55
$86
Farmers
$55
$87
National General
$57
$121
Safeco
$59
$82
Allstate
$60
$94
Dairyland
$66
$181
Midvale Home & Auto
$69
$87
Elephant
$70
$127
State Auto
$72
$116
GAINSCO
$73
$175
The General
$75
$204
Bristol West
$81
$198
Liberty Mutual
$86
$152
Foremost
$106
$243
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.
Cheapest car insurance for teens: Auto-Owners
Car insurance for teen drivers tends to cost more than it does for adults. That’s because teens don’t have driving experience and have higher rates of car accidents. To help reduce the cost of your teen’s car insurance, you can add them to your insurance policy, encourage them to earn good grades for a good student discount, and have them drive a safe vehicle. Teens who complete an approved driver safety course may also qualify for a discount.
Teenagers in the city pay a monthly average of $144 for liability-only auto coverage and $332 for full coverage. Find the cheapest available options for Berwyn teens below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$51
$78
State Farm
$54
$84
COUNTRY Financial
$65
$102
GEICO
$67
$105
Hugo
$69
$162
Erie
$82
$127
USAA
$87
$133
Mile Auto
$90
$135
American Family
$99
$152
Mercury
$112
$173
Nationwide
$114
$187
Direct Auto
$123
$265
Travelers
$128
$198
Farmers
$132
$209
Allstate
$139
$217
Clearcover
$140
$221
Dairyland
$147
$401
National General
$151
$317
Elephant
$154
$281
The General
$158
$428
Safeco
$160
$222
Midvale Home & Auto
$166
$208
GAINSCO
$167
$399
State Auto
$178
$287
Bristol West
$182
$448
Liberty Mutual
$209
$370
Foremost
$257
$587
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.
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Liability rates start as low as $30 per month
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Berwyn car insurance quotes by credit tier
Illinois is among the states that allow insurers to use credit-based insurance scores to help set rates. These scores rely on certain data from a driver’s credit history to predict the likelihood of the driver filing a car insurance claim. Generally, drivers with excellent or good credit scores pay less for coverage than drivers with poor credit scores.
The following table shows the average monthly car insurance rates for Berwyn drivers by credit tier.
Rates by Credit Tier
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.
Is car insurance more expensive in Berwyn?
Car insurance in Berwyn costs $136 per month, which is less expensive than average monthly rates in nearby Chicago ($160) and nationwide ($160). On average, Illinois drivers pay $132 per month for car insurance, which resembles costs in Berwyn. However, Berwyn drivers pay more than people in some other Illinois cities, like Decatur, Elgin, and Naperville.
Because Berwyn is a suburb, fewer drivers on the road can lead to lower rates of car accidents or damage to parked cars. Drivers in rural or suburban locations typically pay lower car insurance rates.
More cities in Illinois
The average cost of car insurance in Berwyn is $189 per month for full coverage and $82 for liability. You can see what drivers in other Illinois cities are paying for car insurance in the table 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.
Berwyn car insurance FAQs
Before you start shopping around for coverage, you should decide how much car insurance you need. The information below should help you navigate finding the lowest rates for car insurance in Berwyn.
How much is car insurance in Berwyn, Illinois?
Berwyn drivers pay $82 per month for liability coverage and $189 for full-coverage insurance. The overall cost of car insurance in the city is $136. How much you end up paying for coverage depends on your driving record, credit history, age, ZIP code, and more.
Which company has the cheapest car insurance in Berwyn?
With an average cost of $30 for liability coverage, Auto-Owners is the cheapest car insurance company in Berwyn. State Farm and Hugo are the city's second- and third-cheapest insurers, with liability-only rates starting at $32 and $40, respectively.
The best way to find cheap car insurance for your needs is to compare multiple quotes at once.
What are the best car insurance companies in Berwyn?
With an AM Best financial strength rating of A+ (Superior), high levels of customer satisfaction, and an Insurify Quality (IQ) Score of 4.4 out of 5, State Farm is the best car insurance company in Berwyn. Other top insurers include Erie and Auto-Owners.
What factors influence the cost of car insurance in Berwyn?
How much you pay for auto coverage in Berwyn depends on your driving record, vehicle type, age, and more. Drivers in suburban locations typically pay less for coverage than residents in urban areas. This may explain why Berwyn drivers typically pay less than people in Chicago.
What’s the minimum required insurance in Illinois?
Drivers in Illinois must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage.
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.
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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Auto-Owners
Erie Insurance
State Farm
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