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Cheapest recent rates near Denton, Texas
Recent Denton, Texas car insurance prices for Fiat, Toyota , and more.
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on July 25, 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on July 25, 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Located on the northern edge of the Dallas-Fort Worth metropolitan area, Denton is home to thousands of college students and a fast-growing population. Despite the growth, Denton isn’t too densely populated, which means less traffic congestion and some reasonable insurance rates.
Drivers in Denton pay an overall average of $185 per month for car insurance, which is comparable to the Texas state average of $185 per month. But comparing car insurance rates from multiple insurers could help you find cheaper-than-average rates.
Here’s what you need to know about finding the cheapest car insurance in Denton.
Quick Facts
On average, Denton drivers pay $115 per month for liability-only coverage and $256 per month for full-coverage insurance.
State Farm is the cheapest full-coverage car insurance company in Denton, with rates starting at $65 per month.
Car insurance for teen drivers in Denton costs an average of $325 per month, overall.
3 of the cheapest car insurance companies in Denton
Your ideal car insurance policy depends on your personal needs. Key features of your driver profile, such as your age, location, vehicle, and more, also affect how much you pay.
Below, you’ll find three of the most affordable car insurance companies in Denton. They can be a great place to start your search.
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.
Full Coverage
Liability Only
Best For
State Farm
9.3
$65
$37
Cheap rates
GEICO
9.0
$71
$40
Teen drivers
Allstate
8.9
$92
$53
Drivers with DUIs
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.
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.
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.
$37/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.
$65/mo
State Farm has been in business for more than 100 years. Today, it sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance
May not be the cheapest choice for drivers with violations
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.
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.
$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.
$71/mo
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO sells homeowner, flood, life, business, and identity protection insurance, among other products.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
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.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/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.
$92/mo
Founded by Sears executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from AM Best
Pay-per-mile option available
Cons
Below-average customer satisfaction
Rates are merely average compared to other insurers
Extreme Increase without Warning for Veteran and Professional Driver
There was no warning or reason for the extreme increase in price within one year. There was no warning, no options to change to, and no contact from anyone. Just a new bill with a huge increase. As a veteran and a professional driver who takes the defensive driver's course every year, there is absolutely no reason for the increase.
Justo - July 24, 2024
Verified
Unreasonable Price
To me, everything is okay with Allstate except for the price of coverage.
Debra - July 24, 2024
Verified
Your prices are way too high. You need to cut it
I think your coverage for a single vehicle policy is too high.
…
How to get the cheapest car insurance in Denton
Living in Denton means you already deal with auto insurance rates that are slightly higher than the national average. Fortunately, you can lower your rates by employing any of the following strategies:
Raise your deductible. A higher deductible typically leads to lower monthly car insurance premiums.
Take advantage of discounts. Reach out to your insurance agent to see if you qualify for any car insurance discounts. Bundling discounts reward drivers who purchase home insurance, renters insurance, or other insurance products from their auto insurer.
Purchase a safe vehicle. Drivers looking for cheap car insurance should choose cars with advanced safety features and strong safety records. These types of vehicles usually come with lower rates.
Shop around and compare. Different insurers offer different rates. When shopping for car insurance, collect online quotes from at least three car insurance companies, then compare them side by side to find the best policy for you.
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Cheapest liability-only car insurance in Denton: State Farm
If you cause an accident, liability insurance covers the other driver’s medical bills and car repairs. But liability coverage won’t cover your own medical expenses or repairs.
Denton drivers pay an average of $1,383 per year, or $115 per month, for liability coverage. The table below shows the cheapest liability-only car insurance options in Denton.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$37
GEICO
$40
Allstate
$53
Mile Auto
$55
Hugo
$58
USAA
$66
Nationwide
$83
Mercury
$85
Safeco
$86
Midvale Home & Auto
$97
Progressive
$98
Dairyland
$104
Chubb
$113
Clearcover
$113
National General
$120
21st Century
$130
Elephant
$131
Direct Auto
$132
Commonwealth Casualty
$136
Liberty Mutual
$136
The General
$139
Bristol West
$150
GAINSCO
$158
State Auto
$173
AssuranceAmerica
$175
Infinity
$195
Hallmark
$196
Foremost
$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 full-coverage car insurance in Denton: State Farm
Full-coverage car insurance policies include liability insurance, as well as collision coverage and comprehensive coverage. Collision insurance covers damage to your own vehicle after an accident, while comprehensive covers your car’s repairs if it’s damaged in a non-collision event, like a fire, severe weather, or an act of vandalism.
Full coverage is a good option for drivers of new, high-value, or financed cars, though this more robust policy type usually comes with a higher price tag.
In Denton, full-coverage insurance averages $256 per month. The table below highlights the cheapest car insurance companies in Denton for full-coverage policies.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$65
GEICO
$71
Allstate
$92
Mile Auto
$114
USAA
$116
Clearcover
$142
Mercury
$142
Hugo
$144
Nationwide
$166
Progressive
$172
Safeco
$173
Midvale Home & Auto
$179
Chubb
$197
Elephant
$221
21st Century
$228
AssuranceAmerica
$235
National General
$259
Direct Auto
$267
Dairyland
$270
Liberty Mutual
$278
The General
$296
Bristol West
$311
Infinity
$313
State Auto
$335
GAINSCO
$347
Commonwealth Casualty
$363
Foremost
$460
Hallmark
$462
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 recent rates near Denton, Texas
Recent Denton, Texas car insurance prices for Toyota, Fiat , and more.
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on July 25, 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Denton, Texas within the last 10 days. Last updated on July 25, 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
To drive legally in Texas, you must carry liability insurance that meets the basic minimum requirements. The table below shows how much car insurance is required in Texas:[1]
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$25,000 per accident
While the table above illustrates what you need in Texas, you may want to enhance your coverage with the following options:
Collision coverage
If you cause an accident, collision insurance covers the cost of repairs to your own vehicle.
Comprehensive coverage
If a non-collision event causes damage to your car, comprehensive insurance covers the cost of repairs.
Uninsured/underinsured motorist coverage
If you get in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages, your uninsured/underinsured motorist coverage will kick in.
Cheapest car insurance for drivers with an incident
You’ll pay more for car insurance if you have an incident on your record. Incidents can include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Car insurance companies see drivers with these types of incidents on their record as more likely to file a claim in the future, so they charge higher premiums to offset this risk.
Here, you’ll see how different incident types can affect your rates.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding is considered a misdemeanor in Texas, and it can come with a fine ranging from $130 to $300 depending on how significantly the driver exceeded the speed limit.[2] If you earn a speeding ticket on your record, you should probably expect your insurance rates to rise as well.
Denton drivers cited for speeding pay average monthly rates of $364 for full coverage and $163 for liability-only insurance. The table below shows the cheapest insurers after a speeding ticket.
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
State Farm
$37
$48
GEICO
$40
$52
Allstate
$53
$69
Mile Auto
$55
$75
Hugo
$58
$79
USAA
$66
$85
Nationwide
$83
$109
Mercury
$85
$118
Safeco
$86
$113
Midvale Home & Auto
$97
$130
Progressive
$98
$127
Dairyland
$104
$135
Chubb
$113
$149
Clearcover
$113
$148
National General
$120
$155
21st Century
$130
$174
Elephant
$131
$186
Direct Auto
$132
$172
Commonwealth Casualty
$136
$193
Liberty Mutual
$136
$193
The General
$139
$182
Bristol West
$150
$194
GAINSCO
$158
$225
State Auto
$173
$243
AssuranceAmerica
$175
$231
Infinity
$195
$264
Hallmark
$196
$254
Foremost
$220
$313
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: State Farm
Having an at-fault accident on your driving record will often cause higher car insurance rates. How much your rate increases depends on the severity of the crash and the value of the insurance claim. Drivers with at-fault accidents on their driving records typically deal with higher rates for about three years.[3]
On average, an at-fault accident can boost Denton drivers’ monthly premiums to $176 for liability-only car insurance and $392 for full coverage. Here are the cheapest car insurance companies in Denton for drivers with an at-fault accident in their driving history.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$37
$51
GEICO
$40
$56
Allstate
$53
$74
Mile Auto
$55
$82
Hugo
$58
$78
USAA
$66
$92
Nationwide
$83
$116
Mercury
$85
$125
Safeco
$86
$116
Midvale Home & Auto
$97
$142
Progressive
$98
$138
Dairyland
$104
$144
Chubb
$113
$158
Clearcover
$113
$167
National General
$120
$168
21st Century
$130
$185
Elephant
$131
$178
Direct Auto
$132
$187
Commonwealth Casualty
$136
$186
Liberty Mutual
$136
$205
The General
$139
$197
Bristol West
$150
$206
GAINSCO
$158
$212
State Auto
$173
$262
AssuranceAmerica
$175
$243
Infinity
$195
$267
Hallmark
$196
$263
Foremost
$220
$332
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: State Farm
A DUI is one of the most severe incidents you can have on your driving record. If you’re cited for DUI, it’ll often lead to a steep rise in car insurance rates, and some insurers may drop your coverage altogether. In Texas, you must also file a special form called an SR-22 for two years after the date of your DUI conviction.
Denton drivers with a DUI on their records can see their monthly rates increase substantially — $443 on average for full coverage and $199 for liability only. Here are the cheapest car insurance companies in Denton for people with a DUI in their driving history.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$37
$63
GEICO
$40
$68
Allstate
$53
$91
Mile Auto
$55
$84
Hugo
$58
$88
USAA
$66
$113
Nationwide
$83
$142
Mercury
$85
$131
Safeco
$86
$147
Midvale Home & Auto
$97
$166
Progressive
$98
$167
Dairyland
$104
$178
Chubb
$113
$193
Clearcover
$113
$193
National General
$120
$205
21st Century
$130
$222
Elephant
$131
$224
Direct Auto
$132
$225
Commonwealth Casualty
$136
$232
Liberty Mutual
$136
$232
The General
$139
$237
Bristol West
$150
$256
GAINSCO
$158
$270
State Auto
$173
$295
AssuranceAmerica
$175
$299
Infinity
$195
$333
Hallmark
$196
$335
Foremost
$220
$376
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: State Farm
Age is another major factor that determines your car insurance rates. While drivers enjoy low rates during their middle-aged years, those rates increase again around age 70. This is because faculties commonly reduce at this age and because the likelihood of an accident leading to severe medical costs increases.
Senior drivers in Denton have an overall average monthly insurance rate of $135. Here are the cheapest car insurance companies in Denton for senior drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$47
$27
GEICO
$53
$30
Allstate
$70
$40
Mile Auto
$81
$39
USAA
$87
$49
Hugo
$96
$39
Mercury
$101
$61
Clearcover
$107
$85
Progressive
$115
$66
Nationwide
$116
$58
Midvale Home & Auto
$129
$70
Safeco
$133
$66
Chubb
$135
$78
21st Century
$159
$91
Elephant
$165
$98
AssuranceAmerica
$166
$124
National General
$190
$88
Direct Auto
$194
$96
Dairyland
$202
$78
Liberty Mutual
$211
$103
Infinity
$221
$138
The General
$227
$107
Bristol West
$234
$113
State Auto
$240
$124
GAINSCO
$270
$123
Commonwealth Casualty
$271
$101
Hallmark
$330
$140
Foremost
$337
$161
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: State Farm
Teen drivers pay higher average insurance rates than any other age group. This is because car insurance companies see teen drivers as high-risk drivers due to their comparatively high accident rates. CDC data shows that teen drivers are nearly three times as likely to be involved in a serious crash as drivers age 20 and older.[4]
Luckily, teens can save on car insurance by staying on their parents’ insurance plan, maintaining a safe driving record, opting for a vehicle with a strong safety record, and taking advantage of good student discounts.
Car insurance for teen drivers in Denton costs $202 per month for liability-only coverage and $449 for full coverage, on average. Here are the cheapest auto insurance companies in Denton for teen drivers.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$109
$62
GEICO
$111
$62
Allstate
$160
$92
USAA
$191
$109
Mile Auto
$219
$106
Hugo
$248
$100
Mercury
$255
$153
Clearcover
$273
$217
Nationwide
$282
$141
Midvale Home & Auto
$305
$166
Progressive
$307
$175
Safeco
$355
$177
Elephant
$361
$214
Chubb
$362
$207
21st Century
$378
$215
AssuranceAmerica
$432
$322
Dairyland
$445
$171
The General
$472
$222
Direct Auto
$481
$238
National General
$495
$229
Liberty Mutual
$506
$247
Bristol West
$523
$252
Infinity
$568
$354
State Auto
$589
$304
GAINSCO
$609
$277
Commonwealth Casualty
$634
$238
Foremost
$808
$387
Hallmark
$809
$343
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 Car Insurance in Denton, Texas
Rates start as low as $37/mo. for liability coverage
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Denton car insurance quotes by credit tier
Texas state law allows car insurance companies to take your credit history into consideration when determining your car insurance rates. But companies may not refuse you coverage or cancel your coverage due to your credit history.[5]
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 Denton?
Denton’s average car insurance rate of $185 per month is higher than the national average of $160 per month.
Car insurance rates can vary by ZIP code based on a variety of factors, such as local repair costs, property values, the frequency of insurance fraud, local crime rates, and local weather patterns.
More cities in Texas
Car insurance rates vary from city to city in Texas. While Denton doesn’t have the cheapest car insurance in Texas, its full-coverage rates are still at or below the state average of $250 per month.
Below, you can see average quotes in other Texas cities and how they compare to Denton.
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.
Denton car insurance FAQs
Car insurance rates can be high in Denton, but you can keep your rates low with the following information.
How much is car insurance in Denton, Texas?
The average rate for car insurance in Denton is $185 per month. The average rate for liability-only coverage is $115, and the average rate for full coverage is $256 per month.
Which company has the cheapest car insurance rates in Denton?
Denton drivers can find the cheapest car insurance rates with State Farm, which has a monthly rate of $37 for liability coverage. GEICO and Allstate are also cheap options, with monthly liability rates of $40 and $53, respectively.
What are the best car insurance companies in Denton?
State Farm, GEICO, and Allstate rank as three of the top insurers in Denton. All three are leading national insurers with impressive Insurify Quality Scores. In addition, each insurer has received recognition for their variety of offerings, customer service, and financial stability.
What is the bare-minimum car insurance in Texas?
To drive legally in Texas, you must have car insurance that meets the state’s minimum requirements for bodily injury and property damage liability. For bodily injury, your coverage must amount to at least $30,000 per person and $60,000 per accident. For property damage liability, your coverage must meet or exceed $25,000 per accident.
Can you avoid paying for car insurance in Texas?
No. To drive in Texas, you must have coverage that meets the state’s minimum requirements outlined above. But you can choose to carry coverage that exceeds those minimums.
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.
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
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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State Farm
GEICO
Allstate
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