5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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.
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Cheapest recent rates near Asheville, North Carolina
Recent Asheville, North Carolina car insurance prices for Nissan, Toyota, Subaru , and more.
*Quotes generated for Insurify users in and around Asheville, North Carolina within the last 10 days. Last updated on October 17, 2024
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 October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Asheville, North Carolina within the last 10 days. Last updated on October 17, 2024
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 October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average cost of car insurance in Asheville is $102 per month for full-coverage insurance and $44 per month for liability-only coverage. However, some insurers have lower rates. The cheapest car insurance companies in Asheville include Direct Auto, Erie, and GEICO.
When choosing a car insurance company, it’s important to consider factors besides price. Here’s what you should know about some of the top insurance providers in North Carolina — and how to find affordable coverage.
Quick Facts
Midvale Home & Auto, Erie, and Nationwide offer the lowest car insurance rates for Asheville drivers.
In a city with fewer than 100,000 residents, Asheville drivers pay lower average auto insurance rates than drivers in larger North Carolina cities. For example, Charlotte residents pay 78% more than Asheville drivers for full-coverage insurance.
North Carolina drivers must pay a $50 fee following their first insurance lapse, as well as a $50 license restoration fee. A second lapse results in a $100 fee.[1]
Cheapest car insurance companies in Asheville
You have unique needs when shopping for coverage, which means the best insurer for one driver may not provide the best coverage for another. For some drivers, the best auto insurance company has the cheapest rates. For others, the best insurer offers the most coverage options or has the best customer service.
Here are a few of the cheapest car insurance companies in Asheville for different coverage types and driver profiles.
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
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.
7.3 /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.
$40/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.
$81/mo
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (254)
Kayla
October 20, 2024
Verified Review
My experience with Direct Auto was nothing but the best.
Direct Auto is the cheapest car insurance that I was able to find after getting a quote from every single insurance company I could find. They were able to give me discounts and get my monthly payments about $50-$100 cheaper than any other insurance company who gave me an auto coverage quote. They worked with me when I was late and short on my payments and they also included road assistance with my basic liability coverage, which no other insurance company offered to me.
Tienna
October 18, 2024
Verified Review
My password didn't work half the time, and the app would often restart, causing me to make late payments.
My password didn't work half the time, and the app would often restart, causing me to make late payments.
Tanya
October 15, 2024
Verified Review
Disappointing
They do not cooperate if you need an extension. Their customer service is poor and the app is not user-friendly.
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.
2.02
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
Direct Auto has the cheapest car insurance rates in Asheville for liability only and full coverage. The company offers very basic coverage, with just a few options for customization. However, it has a great selection of discounts. The company offers savings opportunities for good students, senior drivers, military personnel, homeowners, loyal customers, multi-policy customers, loyal customers, and more.
Pros
Lowest rates for full coverage and liability insurance in Asheville
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.
$31/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.
$48/mo
4.1
Best choiceBased on 224 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (117)
Shannon
October 19, 2024
Verified Review
Could be Better
I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
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
Erie is the cheapest insurer in Asheville for drivers with an at-fault accident, speeding ticket, or DUI on their record. And you can easily customize your auto insurance policy with Erie. The company offers many insurance endorsements, including accident forgiveness, locksmith coverage, and more. Erie also has a Rate Lock guarantee, which means your premium won’t change unless you make adjustments to your policy.
Pros
Customizable coverage
Rate Lock guarantee
Cons
New-car replacement coverage not available in North Carolina
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.
$36/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.
$55/mo
4.0
Best choiceBased on 9891 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,446)
Narasimha Rao
October 20, 2024
Verified Review
Not Value for Money, Always Extra Charges
Initially, it was shown that the monthly cost would be 'x' value. However, it has now increased to 'x+20', 'x+30', 'x+40', which is inconsistent.
Patti
October 20, 2024
Verified Review
Very Expensive Insurance
Their rates have become unaffordable.
Ronald
October 20, 2024
Verified Review
GEICO
The service is good, except for the frequent price increases.
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
One of the country’s top insurers, GEICO offers a number of insurance products, including auto insurance coverages. The company offers affordable rates in Asheville by coverage level, age, and driving history. GEICO has 16 advertised discounts, including some that seniors can commonly benefit from. Older drivers may earn multi-policy, good driver, defensive driving, and vehicle safety discounts. Drivers can also save with the DriveEasy telematics program.
Pros
Multiple available discounts
Many insurance products
Cons
Gap insurance not available
Rideshare insurance not available
Cheapest liability-only car insurance in Asheville
Per state law, Asheville drivers must have liability-only car insurance. If you cause an accident, personal liability insurance compensates the other driver for their losses, including bodily injury and property damage. Liability-only car insurance doesn’t provide any protection for your medical expenses or vehicle damages, but it does cover resulting legal fees.[2]
On average, Asheville drivers pay $45 per month for minimum-coverage car insurance. In the table below, you can see which car insurance companies in Asheville offer the cheapest liability-only insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Midvale Home & Auto
$26
Erie
$31
Nationwide
$31
GEICO
$36
Liberty Mutual
$38
Travelers
$39
Direct Auto
$40
Safeco
$40
Dairyland
$41
Allstate
$43
Progressive
$43
National General
$49
State Farm
$51
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.
Find Affordable Coverage in Asheville
Liability policies start at $26/mo. for Asheville drivers
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest full-coverage car insurance in Asheville
Full-coverage auto insurance typically includes liability, collision, comprehensive, and medical payments insurance. If you lease or finance a vehicle, your lender may require you to purchase this coverage. You should consider full coverage to provide physical damage protection for new or high-value vehicles. Otherwise, you may face high out-of-pocket expenses for repairs.
Full-coverage auto insurance costs, on average, $75 per month in Asheville. Here are the cheapest car insurance companies in Asheville for full-coverage insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Erie
$48
Nationwide
$48
Midvale Home & Auto
$52
GEICO
$55
Travelers
$60
Allstate
$65
Progressive
$67
State Farm
$78
Direct Auto
$81
Safeco
$87
National General
$88
Liberty Mutual
$139
Dairyland
$194
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 North Carolina
Car insurance is a legal requirement in the state of North Carolina. All vehicle owners must carry a minimum amount of personal liability insurance.[1] The state minimum-coverage requirements may not cover the full cost of an at-fault accident, so you may want to choose higher coverage limits when you purchase a policy.
See the specific requirements below.
Bodily injury liability
$30,000 per person and $60,000 per accident
Property damage liability
$25,000 per accident
Common optional coverages to consider for more robust protection include:
Collision coverage
After an accident or collision with an object, collision insurance covers damage to your vehicle.
Comprehensive coverage
When non-collision incidents — like natural disasters, vandalism, or falling objects — cause damage, comprehensive insurance kicks in.[3]
Medical payments coverage
Sometimes called MedPay, this optional insurance provides coverage for your own medical expenses following an accident.
Cheapest car insurance for drivers with an incident
Having an incident — like a speeding ticket, at-fault accident, or DUI — on your driving record usually causes your car insurance premium to increase. From the perspective of an insurance company, drivers with past moving violations are riskier to insure than people with a clean record.[4]
However, the specific cost increase after an incident will depend on your insurance company and the specific violation. For example, someone with a severe violation or multiple incidents typically pays more for insurance than a driver with a single speeding ticket.
Find Cheap Car Insurance in Asheville
Drivers with incidents on their records can find rates as low as $${AUTO_CHEAPEST_LIABILITY_CITY_NC_ASHEVILLE_PRICE_1_HAS-INCIDENT}/mo. in Asheville
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Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
Though less severe than some infractions, a speeding ticket can affect the cost of your auto insurance. If you have multiple speeding tickets in a short period of time, you’ll face even higher rates.
A speeding ticket bumps the average cost of full-coverage car insurance to $117 per month in Asheville. In the table below, you can see the monthly auto insurance quotes for Asheville drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Nationwide
$66
$43
Erie
$67
$43
GEICO
$75
$49
Travelers
$83
$54
Allstate
$89
$59
Progressive
$92
$59
State Farm
$106
$69
Direct Auto
$111
$55
National General
$121
$67
Safeco
$121
$55
Liberty Mutual
$205
$56
Dairyland
$266
$56
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
If you cause an accident, your car insurance premium will almost always increase. Your insurer, previous accident history, and the severity of the accident all influence specific premium changes.
An at-fault accident bumps the average cost of full coverage in Asheville to $124 per month. Here are the cheapest car insurance companies for drivers in Asheville with an at-fault accident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Erie
$71
$46
Nationwide
$71
$46
GEICO
$80
$53
Travelers
$88
$57
Allstate
$95
$63
Progressive
$99
$63
State Farm
$113
$74
Direct Auto
$120
$59
Safeco
$124
$57
National General
$129
$72
Liberty Mutual
$216
$59
Dairyland
$282
$60
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
No matter where you live, a DUI conviction typically leads to significantly higher car insurance rates. Due to the severity of the offense, insurers consider people with a DUI conviction as high-risk drivers to insure.
Asheville drivers with DUIs on their records face average car insurance costs of $136 per month for full coverage and $82 for liability only. In the table below, you can see which car insurance providers in Asheville have the cheapest rates for drivers with a DUI on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Erie
$83
$54
Nationwide
$83
$54
GEICO
$95
$62
Travelers
$104
$68
Allstate
$113
$75
Progressive
$116
$75
State Farm
$135
$88
Direct Auto
$140
$69
Safeco
$151
$69
National General
$153
$85
Liberty Mutual
$241
$66
Dairyland
$336
$71
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
“There are numerous factors that impact the cost of car insurance, including the age of the driver,” says P.J. Miller, vice president of Wallace & Turner Inc. For most drivers, rates decrease around the age of 35 and start increasing again for drivers 75 and older. However, the cost of car insurance for seniors depends on the insurance company.
The average monthly cost of car insurance for Asheville seniors is $62 for full coverage and $37 for liability-only insurance. Here are the insurance companies in Asheville with the lowest rates for seniors.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Erie
$36
$23
Nationwide
$36
$23
GEICO
$44
$29
Travelers
$47
$31
Progressive
$48
$31
Allstate
$52
$35
State Farm
$61
$40
Direct Auto
$63
$31
National General
$68
$38
Safeco
$73
$34
Liberty Mutual
$116
$32
Dairyland
$155
$33
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
Teenagers typically pay much higher rates for auto insurance than adults. Insurers consider young drivers to be high-risk drivers due to a lack of driving experience. Additionally, statistics show that teens are more likely to get into accidents than older drivers.[5]
Although most teens pay expensive insurance premiums, you can attempt to earn a lower rate. For example, driving a safe vehicle and getting good grades in school could help you earn discounts on your policy. Also, it’s usually cheaper for teens to stay insured on their parents’ policy.
The average monthly cost of car insurance for Asheville teens is $125 for full coverage and $45 for liability insurance. In the table below, you can see the cheapest insurers in Asheville for teens.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Erie
$79
$51
Nationwide
$81
$52
GEICO
$85
$56
Travelers
$106
$69
Allstate
$112
$74
Progressive
$117
$75
State Farm
$130
$85
Direct Auto
$144
$71
National General
$170
$95
Safeco
$170
$78
Liberty Mutual
$240
$66
Dairyland
$310
$66
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.
How to get the cheapest car insurance in Asheville
When shopping for car insurance in Asheville, you want to get the best rate. However, car insurance rates depend on many factors, like your age, driving record, insurer, and vehicle type.
Here are a few tips for getting the cheapest car insurance for your situation:
Find discounts. Most car insurance companies offer discounts. Some of the most common discounts reward you for bundling policies, paying your premium in full, insuring multiple vehicles, earning good grades, and insuring a car with safety features.
Choose high deductibles. For car insurance policies that require a deductible, choosing high deductibles can lower your monthly premium. However, make sure you can afford the higher deductible in case you need to file a claim.
Take a defensive driving course. Many insurers provide a discount to drivers who complete an approved defensive driving course.
Maintain a clean record. Drivers with a clean record usually pay the lowest insurance rates. Avoid accidents, tickets, and other traffic violations to keep your insurance costs low.
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Asheville car insurance quotes by credit tier
In North Carolina, car insurance companies can use credit-based insurance scores. When you apply for a policy, the insurer may consider your credit score when calculating your rate. Drivers with excellent or good credit usually pay lower rates than drivers with poor credit.
Below, you can see the average car insurance rates for drivers in Asheville 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 Asheville?
Compared to the national average rate, car insurance in Asheville is affordable. The average car insurance premium in the U.S. is $211 per month for full coverage and $104 per month for liability coverage. For comparison, the average insurance rate in Asheville is $75 per month for full coverage and $45 for liability.
Within North Carolina, Asheville drivers earn lower rates than many other cities in the state. Specific location-based factors that influence rates include an area’s crime rates, accident rates, population density, and traffic congestion. Even your ZIP code affects how insurers assess your risk level.
More cities in North Carolina
Car insurance is cheaper in Asheville than in many other North Carolina cities. Factors like a city’s number of uninsured drivers, vehicle theft rate, and more can influence premiums.
Here are average monthly rates for other cities in North Carolina.
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.
Asheville car insurance FAQs
Finding the insurance company that provides the exact amount of coverage you need — with all the features you care about — can feel overwhelming. The information below should answer any questions you still have and help you make an informed decision.
How much is car insurance in Asheville?
On average, Asheville drivers pay $60 per month for car insurance. Liability insurance averages $45 per month, while full-coverage insurance averages $75 per month in the city. Statewide, North Carolina drivers pay $99 per month for a full-coverage auto policy and $55 for minimum coverage. Your premium depends on your driving record, credit history, age, vehicle, and more.
What company has the cheapest car insurance in Asheville?
Midvale Home & Auto offers the lowest car insurance rates in Asheville, with liability policies as low as $26 per month. Erie and Nationwide are the second- and third-cheapest insurers in the city, with liability rates starting at $31 and $31, respectively.
What are the best car insurance companies in Asheville?
Erie is the best car insurance company in Asheville. It has a 4.4 IQ Score, an A+ (Superior) financial strength rating from A.M. Best, and solid rankings in J.D. Power customer and claims satisfaction studies. Other top insurers in the city include Nationwide, GEICO, and Travelers.
What factors affect car insurance costs in Asheville?
Insurers in Asheville consider your driving record, credit history, age, vehicle type, ZIP code, and more when determining your insurance costs. North Carolina has a relatively low amount of uninsured drivers in the state — about 7.4% — which can help decrease risk levels and average auto rates in the state.[6]
How much car insurance do you need in North Carolina?
North Carolina drivers must carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
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.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
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.
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