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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated July 1, 2024

  • Insurify is a digital insurance agent that provides real-time quotes from 100+ insurers including GEICO, AllState, and Progressive, enabling shoppers to compare policies and save up to $852.

  • With Insurify, you fill out a simple form, and our AI-powered comparison tool will pull your personalized quotes from our insurer partners. After you compare rates and choose a quote, you can buy your policy online or through one of our licensed insurance agents.

    Learn More: About Insurify

  • Yes, your personal details are always secure and private. We’ll never sell your data, so you won’t get spam emails or unwanted phone calls from shopping with Insurify.

    Learn More: Insurify’s Privacy Policy

  • We’re not an insurance carrier. But we do partner with 100+ insurers. Insurify is a digital insurance agent. We provide impartial information and the most accurate quotes so you can pick the insurance company that best fits your needs.

    Learn More: Why You Can Trust Insurify

  • We are! Insurify is a licensed agency in all 50 states. All our helpful agents are licensed too, so they can provide expert policy advice to customers across the U.S.

  • Like other comparison platforms, we earn a commission if you buy a policy through a quote we showed you on our website. We may also make money if you click on an ad on our website. But we don’t make money by selling your data. We want to make insurance shopping easier for you, not flood your inbox or voicemail with spam.

    Learn More: How Insurify Makes Money

  • Insurance companies need to know about you and your vehicle to set your premium. We use a simple online form to ask for the information we need to compare car insurance quotes. Insurify protects these details, and you won’t get spam from comparing quotes.

    To show you the most accurate auto insurance quotes, Insurify asks for the following information:

    • Address: Most insurance companies use ZIP codes as a rating factor.

    • Type of car: Your vehicles make, model, and year influence your auto insurance rate. 

    • Credit score: Drivers with good credit typically have lower premiums than drivers with poor credit.

    • Level of education: Some insurance companies offer lower car insurance premiums to policyholders with a college degree.

    When you finalize your policy, we’ll also ask for your vehicle identification number (VIN) and driver’s license number. You’ll also need the license numbers for any other drivers in your household.

    For homeowners insurance, we ask about your address, location-based risk factors, and type of home, including square footage, building materials, year built, roof age, and cost to replace your home. Your previous home insurance coverage and credit score also affect your premium.

    To see life insurance quotes, you need to provide your gender, basic health information, and desired coverage limits.

  • Insurance companies base your rates on some common factors, like your age, gender, location, and driving history. But how they weigh those factors can vary a lot. Two separate insurers may serve up very different quotes for the same driver. Here’s an example of how quotes can vary among insurers for the same driver profile. These quotes are averages for drivers between 20 and 70 years old with a clean driving record and average or better credit.

    The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
    Insurance CompanyFull CoverageLiability Only
    State Farm$120$55
    Liberty Mutual$231$112
    The General$241$114
    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.
  • Nationwide, the average cost of car insurance is $214 per month for full coverage and $105 for liability-only insurance, according to Insurify data. But your costs may be more or less than average, based on factors like:

    • Your driving record (past car accidents, speeding tickets, DUIs, and citations)

    • Age and gender

    • Vehicle make and model

    • Credit history (in most states)

    • Where you live

    • Deductible amount

    • Other factors

    Learn More: Factors That Affect Auto Insurance Rates

    Homeowners insurance companies consider similar factors, minus your driving history and vehicle. Your house’s location, building materials, age, and value also affect your home insurance premium.

    Learn More: Factors That Affect Your Homeowners Insurance Rates

  • The type of car insurance coverage you need depends on your lender and state’s requirements and the coverage limits you want. The two main types of auto policies are:

    • Liability coverage: All states except New Hampshire require liability insurance, which typically includes property damage liability and bodily injury liability coverage. Some liability insurance provides personal injury protection, medical payments, and uninsured/underinsured motorist coverage.

    • Full coverage: Often required if you lease or finance your vehicle, this collection of policies includes liability insurance, collision coverage, and comprehensive coverage.

    You may also consider optional coverages, such as:

    • Uninsured motorist/underinsured motorist: This coverage can help pay medical costs, lost wages, and other expenses if you get into an accident with a driver who has no insurance or too little insurance coverage.

    • Gap insurance: If your new car is totaled in an accident, your full-coverage policy will pay the actual cash value of your vehicle. Since car value declines every year, you could owe more on your auto loan than you get from insurance. Gap insurance bridges the difference and pays off your remaining loan balance.

    Learn More: Determine How Much Coverage You Need

  • The fastest, easiest way to start shopping for car insurance is to use an online quote-comparison tool like Insurify. You’ll be able to view quotes from multiple companies without the hassle of visiting each insurer’s website to get a quote. With Insurify, you can either complete your purchase online or with the help of one of our expert agents.

  • The cheapest car insurance company can vary from state to state, city to city, or even by ZIP code. For example, regional insurers COUNTRY Financial and Erie typically offer some of the lowest rates and have good industry ratings, but they serve a limited number of states. 

    The best, cheapest, and most widely available car insurance companies are State Farm, Allstate, and USAA, according to Insurify data. 

    State Farm is the largest U.S. auto insurer by market share, according to the National Association of Insurance Commissioners. It has an Insurify Quality (IQ) Score of 9.3 out of 5, has average national rates of $120 per month for full-coverage policies and $55 for liability-only coverage, and is available in all 50 States and Washington, D.C.

    Allstate has an IQ Score of 8.9 and average monthly rates of $138 for full coverage and $63 for minimum coverage. USAA, which is available only to active-duty military members, veterans, and their families, has an IQ Score of 9.4 and average monthly rates of $100 for full coverage and $46 for liability.

  • To compare car insurance rates, you’ll need to know some important information, including:

    • The level of coverage you need — full or liability-only (also known as minimum coverage)

    • Your state’s minimum liability coverage requirements

    • Whether you need liability coverage above your state requirements

    • Your credit tier (excellent, good, fair, or poor)

    • How much deductible you can afford

  • No one wants to pay more for car insurance than they have to. But it’s important to understand how much coverage you actually need. Many quality insurance companies offer cheap car insurance, but the cheapest option might not be the best one for you. For example, minimum coverage — which only provides liability insurance — isn’t the best option for drivers who finance or lease their vehicles. If customer service is important to you, it might be better to choose an insurer with high ratings for insurance-claim handling, even if it’s not the cheapest option.

  • California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania ban insurers from considering gender as a rating factor. But in all other states, your gender can affect how much you pay for car insurance.

    Generally, men pay more for car insurance because data shows they get into more accidents than women, have more serious accidents, and are more likely to drive under the influence.

  • Homeowners may pay less for car insurance than other drivers for multiple reasons, including:

    • Bundling discounts: Most insurance companies give significant discounts for buying both homeowners and auto insurance policies from the same company.

    • Multi-vehicle discounts: Homeowners also may be more likely to have multiple vehicles that qualify them for a multi-vehicle discount.

    • Credit history: Homeowners generally have better credit than renters. They have the advantage of a mortgage payment history since mortgage companies report payments to the credit bureaus. Credit is an insurance rating factor in many states. Drivers with good credit typically pay less for car insurance than drivers with poor or no credit history.