Cheapest Auto Insurance in Harrisburg, Pennsylvania (2026)

State Farm offers the cheapest car insurance in Harrisburg, with minimum-coverage policies as low as $58 per month.

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Cheapest recent rates near Harrisburg, Pennsylvania

Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $79/mo for full coverage in Harrisburg and other Pennsylvania cities.

*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on April 16, 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on April 16, 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Anna Baluch
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Anna BaluchAuto and Home Insurance Writer
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Katie Powers
Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Located along the banks of the Susquehanna River, Harrisburg is known for attractions like the Harrisburg Shakespeare Festival and the Susquehanna Museum of Art. Even though it’s the capital of Pennsylvania and home to more than 50,000 people, its car insurance rates are cheaper than the state average. 

This is likely due to its comparatively lower car accident rates.[1] Harrisburg recorded 569 motor vehicle accidents in 2022, according to Pennsylvania Department of Transportation data.  

Harrisburg drivers can find the lowest car insurance rates from State Farm, National General, and Erie. But comparing car insurance quotes from multiple companies could help drivers find even better rates.

Here’s what you need to know about finding affordable car insurance coverage in Harrisburg.

Quick Facts
  • Harrisburg drivers pay an average of $88 per month for liability insurance and $151 per month for full coverage.

  • Harrisburg drivers can choose between “limited-tort” (no-fault) and “full-tort” (at-fault) auto insurance coverage.

  • Drivers with good-to-excellent credit usually lock in better rates than drivers with poor credit.

Cheapest car insurance companies in Harrisburg

As you look for the right car insurance company, consider factors like your ZIP code, budget, driving record, coverage level options, and personal needs. The best way to find the ideal coverage for you is to compare quotes from several insurers.

USAA, Mile Auto, and Clearcover are three insurers to consider in any comparison list. Here, you can learn more about each company and see the state coverage averages for each insurer.

Insurance Company
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
USAA9.1$207$118Military members
Mile Auto8.8$89$69Infrequent drivers
Clearcover7.1$195$141Students
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

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

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

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$118/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.
$207/mo
4.9
Best choiceBased on 3,438 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best For
Members of the military community
Outstanding customer service
Competitive rates
Showing 9 Pennsylvania reviews for Harrisburg driversSee all 1,535 USAA reviews
Robert
Verified Review
Sometimes you don't get what you pay for.
I had a claim service problem because USAA's agent spent over three weeks searching for parts for a Toyota Avalon. Too bad I was driving a Chevrolet Avalanche. A little incompetence goes a long way.
Michael
Verified Review
It was quick, fast, and easy
Great since I never switched companies.
Paul
Verified Review
Premiums Too High
As a disabled veteran, I find USAA’s premiums to be too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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

More than 2,000 veterans live in Harrisburg.[2] These veterans and current military members can find cheap car insurance with USAA. USAA specifically caters to the military community and offers a number of insurance products and financial services aimed to support this unique customer group.

Pros
  • Discount of up to 30% possible via SafePilot program

  • High customer satisfaction ratings

Cons
  • Only available to active military members, veterans, and their families

  • Gap insurance not available

Best insurer for infrequent drivers: Mile Auto

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8 /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.
$73/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.
$130/mo
4.5
Best choiceBased on 199 verified driver reviews and ratings
Mile Auto's score
Industry average
Coverage options4.13.2
Customer service3.43.6
Discounts4.02.9
Policy transparency3.93.1
Value4.12.9
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviewsSee all 67 Mile Auto reviews
Maureen
Verified Purchase
Low mileage savings made easy
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
Olanrewaju
Verified Purchase
Reasonable coverage.
So far, it has been very good.
Leroy
Verified Review
Why was I canceled?
1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
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

Seniors age 65 and older account for 10.9% of the population in Harrisburg.[2] Many of them, along with remote workers, stay-at-home-parents, and others, drive on occasion and may lock in the best insurance rates with Mile Auto.

Mile Auto is a pay-per-mile car insurance company with the most affordable car insurance for Harrisburg residents who drive fewer than 10,000 miles per year.

Pros
  • Cheap auto insurance for low-mileage drivers

  • No tracking device or app required

Cons
  • Negative Trustpilot customer service reviews

  • Limited coverage options and add-ons

Best insurer for students: Clearcover

User Reviews
3.8
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.
7.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$126/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.
$214/mo
3.8
A solid optionBased on 64 verified driver reviews and ratings
Clearcover's score
Industry average
Coverage options3.83.2
Customer service3.13.6
Discounts3.42.9
Policy transparency3.63.1
Value3.52.9
How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

Based on analysis of verified reviews collected by Insurify

Best For
Robust mobile app
Fast claims process
Competitive pricing
Showing recent national reviewsSee all 40 Clearcover reviews
Christy
Verified Purchase
Great so far
Great for now, we will see what the price does at renewal time.
Daysy
Verified Purchase
Price is cheap but poor claim experience
Worst claim handling, no communication whatsoever.
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Very good at helping get some insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36
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

Harrisburg is home to several colleges, including Harrisburg University, Penn State Harrisburg, and Harrisburg Area Community College.

Students who attend these schools, as well as other young adults in the area, may appreciate Clearcover’s cheap rates and robust mobile app. Drivers can download the app to manage policies and file claims from their mobile devices.

Pros
  • Robust mobile app and website

  • Rideshare insurance available

Cons
  • No bundling discounts

  • No SR-22 insurance available

How to get the cheapest car insurance in Harrisburg

No two car companies will judge your unique driver profile the same. Each has its own underwriting process, coverage options, and policy specifics. That’s why you should do your research and explore your options.

As you search for new insurance, keep these tips in mind to help you secure the best deal on an auto policy in Harrisburg:

  • Shop around. It’s a good idea to get quotes from at least three different car insurance companies. This can help you find the lowest price and the lowest rates for your unique needs and financial situation.

  • Look for discounts. Most car insurers offer a variety of discounts. You may qualify for one for being a good student, insuring multiple vehicles, or installing an anti-theft device.

  • Consider usage-based insurance. Usage-based, or pay-per-mile insurance, might lessen your insurance costs, especially if you work from home, are retired, or don’t drive a lot. Your monthly premiums will be based on the miles you drive.

  • Drive responsibly. Speeding tickets, at-fault accidents, and DUIs can all increase your insurance premiums. Practice safe driving habits to keep your costs low.

Find Cheap Car Insurance in Harrisburg, PA

Liability policies start at $58 per month

Excellent
4.7 out of 5 based on 13,691 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Harrisburg: State Farm

Pennsylvania requires all drivers to have at least a minimum amount of liability car insurance. This coverage pays for the other driver’s property damage and injuries in an accident you cause. Because it’s the minimum required car insurance, it’s usually the cheapest option.

State Farm offers the most affordable liability insurance for Harrisburg drivers, with rates starting at $58 per month.

The table below shows quotes for liability-only policies from different car insurance companies in Harrisburg.

The below rates in Harrisburg, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$58
National General$62
Erie$67
First Acceptance$68
Auto-Owners$72
The General$77
Travelers$87
GEICO$90
Safeco$92
Direct Auto$98
Allstate$101
Bristol West$106
Root$112
Nationwide$114
USAA$118
Dairyland$120
Chubb$136
Liberty Mutual$139
GAINSCO$142
State Auto$158
CSAA$172
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Harrisburg: State Farm

Full-coverage car insurance is typically made up of three types of coverage: liability, collision, and comprehensive coverages. This type of car insurance can provide you with additional protection and peace of mind, and it may be required if you have a lease or loan on your car.

Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Harrisburg.

The below rates in Harrisburg, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$101
Erie$118
Auto-Owners$126
National General$147
Safeco$152
Travelers$153
Progressive$157
GEICO$158
Liberty Mutual$172
Allstate$178
First Acceptance$178
Root$188
Nationwide$201
Direct Auto$202
Bristol West$207
USAA$207
CSAA$228
Chubb$239
GAINSCO$275
State Auto$278
Dairyland$303
The General$315
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Harrisburg, Pennsylvania drivers

Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $102/mo for full coverage in Harrisburg and other Pennsylvania cities.

*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on April 16, 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on April 16, 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 April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Pennsylvania

The state of Pennsylvania is unusual in that it operates under a choice no-fault system for auto insurance.[3]

As a driver in Harrisburg, you can choose between “limited-tort” (no-fault) and “full-tort” (at-fault) coverage. If you opt for the limited-tort option, you’ll file a claim with your own insurer after a car accident, even if you weren’t at fault.

Full tort, on the other hand, usually comes with higher monthly payments but allows you to recover compensation for property damage and medical bills following an accident that wasn’t your fault.

In order to drive legally in Pennsylvania, your coverage must at least meet the following minimum car insurance requirements:

Coverage
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Minimum Requirements
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Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 
Medical benefits$5,000 

Adding more coverage to your auto insurance policy can protect your finances in a number of situations.

Here are some additional coverages to consider including in your policy:

    illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive incurance protects you from non-collision incidents that damage your vehicle, like theft, vandalism, and fire.

    illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If your car requires repairs or needs to be replaced after an accident, collision coverage will apply, regardless of who’s at fault.

    illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    With an uninsured/underinsured motorist policy, you can protect yourself financially if you get into an accident with an uninsured driver or with a driver who lacks sufficient coverage.

    illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you have an auto loan, gap insurance can cover the difference between your loan balance and your insurance settlement after your car is deemed a total loss.

Cheapest car insurance for drivers with an incident

Incidents such as at-fault accidents, speeding tickets, and driving under the influence (DUI) position you as a riskier driver to insurance companies. In turn, insurers will increase your car insurance premiums. This is why Harrisburg drivers with clean records usually pay cheaper rates than high-risk drivers.

Fortunately, finding affordable insurance with a poor driving record is still possible. Here’s an overview of the cheapest companies for Harrisburg drivers with incidents on their records.

The below rates in Harrisburg, PA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
State Farm$58$71$75$77
First Acceptance$68$80$84$82
Erie$67$86$87$89
Auto-Owners$72$91$92$95
The General$77$100$103$98
Travelers$87$110$114$115
GEICO$90$114$115$118
Safeco$92$117$125$130
Direct Auto$98$119$130$130
Allstate$101$127$132$134
Bristol West$106$130$136$140
Nationwide$114$143$149$151
Dairyland$120$145$154$159
Root$112$145$146$150
USAA$118$148$154$156
GAINSCO$142$164$176$188
Chubb$136$168$176$180
Liberty Mutual$139$171$179$184
State Auto$158$204$210$200
CSAA$172$218$251$228
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Compared to teens and younger adults, seniors have a higher car accident mortality rate.[4] Average premiums, by age group, tend to go down around age 35 and pick back up around age 70. This is due to age-related physical and mental limitations, including changes in vision and reaction time. 

Age
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Average Monthly Quote
sort ascsort desc
Teens$193
20s$138
30s$112
40s$100
50s$88
60s$82
70s$76
Disclaimer: Table data is based on real-time Harrisburg quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Shop for Car Insurance in Harrisburg, Pennsylvania

Check quotes from 120+ top insurance companies

Excellent
4.7 out of 5 based on 13,691 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Harrisburg car insurance quotes by credit tier

Pennsylvania allows car insurance companies to consider your credit history when they underwrite your policy and determine your premium. 

Because the top car insurance companies perceive drivers with good to excellent credit as less risky than drivers with poor credit, they offer these drivers the best coverage and most affordable car insurance rates.

The table below outlines the best car insurance rates for Harrisburg drivers with different credit scores.

Rates by Credit Tier

Category
Price
Excellent$104
Good$115
Fair$127
Poor$184

Harrisburg car insurance FAQs

Looking for more information to help you find the most affordable car insurance rates in Harrisburg? Consult the answers here.

  • How much is car insurance in Harrisburg?

    The average rate for car insurance in Harrisburg is $119. More specifically, the average rate for liability-only coverage is $88 per month, and the average rate for full coverage is $151.

  • Which insurer has the cheapest car insurance in Harrisburg?

    State Farm offers the most affordable car insurance in Harrisburg, on average. National General and Erie also offer low rates in the area. To find the best policy for you, make sure to compare quotes from several insurers.

  • What are the best car insurance companies in Harrisburg?

    USAA, Mile Auto, and Clearcover rank as three of the top insurers in Harrisburg because they serve unique communities.

    If you’re one of Harrisburg’s more than 2,000 veterans or active-duty personnel, USAA offers unique benefits for you. Low-mileage drivers have a unique opportunity to save with Mile Auto, and if you’re a student, you’ll find numerous discount opportunities with Clearcover.

Sources

  1. Pennsylvania Department of Transportation. "Crash Analysis Report."
  2. United States Census Bureau. "QuickFacts Harrisburg city, Pennsylvania."
  3. Insurance Information Institute. "Background on: No-fault auto insurance."
  4. NSC. "NSC Injury Facts."

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
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.

Anna Baluch
Written byAnna BaluchAuto and Home Insurance Writer
Photo of an Insurify author
Anna BaluchAuto and Home Insurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Katie Powers
Reviewed byKatie PowersLicensed P&C Agent, Senior Insurance Editor
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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.

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Excellent
4.7 out of 5 based on 13,691 reviews
Secure. Free. Easy-to-use.
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