Compare Car Insurance Rates

 Compare Car Insurance Rates

Instantly compare car insurance quotes to find the cheapest rate.
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Why comparing auto insurance quotes is important

You’re looking to save money on car insurance, and you know you have to comparison shop to find the best deal.

However, many auto insurance quote comparison websites can’t sell you insurance. Instead, they make money by selling your personal information to insurance companies and brokers.

How to compare car insurance quotes

You need an auto insurance policy that covers your needs (without going overboard) and doesn’t cost an arm and a leg. Take these steps to make sure you’re getting the best deal:

1. Know your state limits
Nearly every state requires some form of auto insurance. If you drive uninsured or underinsured, you risk traffic citations, having your car towed, or even a potential loss of license depending on where you live. Know what’s required in your state before you sign up for a policy.
2. Gather your info
Finding the best deal often comes down to knowing what you need. Before you compare auto insurance policies, get to know the basics of your ride:
  • Year
  • Make
  • Model
  • Special features
  • Safety features
It also helps to spend some time thinking about how you drive. Commuting to work every day or planning a big road trip this year? You likely put more miles on the road. However, if you’re working remotely and only using your car for occasional errands, you might get a discount as a low-mileage driver. And don’t forget to add your spouse, family members, or anyone else who regularly drives your car to your policy!
3. Choose your coverage levels
Auto insurance isn’t one-size-fits-all. While you can tailor your policy in several ways, auto insurance breaks down into three main types:

Liability: Covers the other drivers on the road and meets most state’s legal requirements, but won’t protect you if you’re involved in an accident.

Collision: Provides protection against road accidents. If you’re involved in an accident, your insurer will cover all or part of the cost of repairing or replacing your vehicle, depending on your coverage limits.

Comprehensive: Protects you against practically everything else that can happen to your car. That includes damage from natural disasters, vandalism, and theft.
4. Decide if you need full coverage
A full coverage policy typically encompasses liability, collision, and comprehensive coverage. If you’re involved in an accident, full coverage pays for injuries and damages for both you and the other driver. You’re also covered if your car is damaged or stolen and not recovered.
Full coverage is great to have, especially for drivers who frequently park on busy streets, but not everyone needs it. If your car is an older model, typically parked in a garage, or not driven heavily, you may save money by cutting down on insurance.

Comparing auto insurance rates can save you money

We can then look for a better rate—with equal or better coverage—from other insurance companies. Within a few minutes, we’ll let you know if you’ve got the best deal, or if you can save money by switching.

Unlike some car insurance comparison tools, we also offer renters and home insurance quote comparisons. Using these, you can determine whether you’ll save money by bundling your auto and home insurance, or if you can save the most by using two companies.

Can you save money by switching?

Many people are overpaying for their insurance and don’t realize it because they haven’t looked for a better deal. You can keep your same car, driving habits, record, and coverage, and still save money simply by switching insurance providers.

Average Monthly Car Insurance Overpayment By State

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What impacts your car insurance rates?

The insurance provider you choose is important, however these are the factors that affect your car insurance rates.

Car Insurance Comparison by Age and Gender

Your age can be a major factor in how much you pay, as young drivers tend to be riskier drivers. Gender can play a role as well, although it’s not as important of a factor.

Auto Insurance Rates by Age



Average Auto Insurance Rates for People Under 20


CompanyAverage Annual Premium
Allstate$1,780
Clearcover$2,890
Mercury$2,498
MetLife$2,351
National General$2,505
Progressive$2,877
Safeco$2,453
Travelers$2,298

Average Auto Insurance Rates for Those in Their 20’s

CompanyAverage Annual Premium
Allstate$1,943
Bristol West$2,514
Clearcover$1,877
Mercury$2,159
MetLife$1,692
National General$1,979
Nationwide$1,754
Progressive$1,891
Safeco$1,976
Travelers$2,230

Average Auto Insurance Rates for Those in Their 30’s

CompanyAverage Annual Premium
Allstate$2,084
Bristol West$2,318
Clearcover$1,740
Mercury$2,173
MetLife$1,663
National General$1,960
Nationwide$1,867
Progressive$1,693
Safeco$1,935
Travelers$1,958

Average Auto Insurance Rates for Those in Their 40’s

CompanyAverage Annual Premium
Allstate$2,495
Bristol West$2,597
Clearcover$2,049
Mercury$2,309
MetLife$1,909
National General$2,112
Nationwide$2,211
Progressive$2,058
Safeco$2,038
Travelers$2,300

Average Auto Insurance Rates for Those in Their 50’s

CompanyAverage Annual Premium
Allstate$2,581
Bristol West$2,023
Clearcover$1,901
Mercury$1,663
MetLife$2,218
National General$1,862
Nationwide$2,179
Progressive$2,041
Safeco$1,960
Travelers$2,429

Average Auto Insurance Rates for Those in Their 60’s

CompanyAverage Annual Premium
Allstate$2,347
Bristol West$2,089
Clearcover$1,665
Mercury$1,456
MetLife$1,590
National General$1,790
Nationwide$1,727
Progressive$1,563
Safeco$1,487
Travelers$1,973

Average Auto Insurance Rates for Those Over 70+

CompanyAverage Annual Premium
Allstate$2,198
Bristol West$2,940
Clearcover$1,588
Mercury$1,708
MetLife$1,720
National General$2,265
Nationwide$1,726
Progressive$1,428
Safeco$1,551
Travelers$1,827


GenderAverage Yearly Premium
Female$1,930
Male$1,951

Compare Auto Insurance Rates By Driving History

Your driving record is also important. The more recent accidents or traffic violations you’ve had, the more you’ll wind up paying.

Average Annual Premium

Number of IncidentsAverage Annual Premium
0$1,416
1$1,604
2$1,883
3$2,126
4$2,337
5$2,493
6$2,711
7$2,985
8$3,061
9$3,158
10$3,174
11$3,208
12$3,666

Auto Insurance Premiums by Coverage Type

Your coverage limits, types, and deductibles will directly impact your premiums. You’ll have to decide whether you prefer more coverage and lower deductibles, or a lower cost.

Average Car Insurance Premiums by State Full vs Non Full Coverage

StateAverage Annual Premium (Non Full Coverage)Average Annual Premium (Full Coverage)
Alabama$916$1,939
AlaskaNANA
Arizona$953$1,901
Arkansas$1,175$1,922
California$964$2,249
Colorado$1,022$2,193
Connecticut$1,764$2,225
Delaware$3,611$2,282
District of Columbia$1,087$2,020
Florida$1,508$2,568
Georgia$1,628$2,688
Hawaii$547$682
Idaho$761$1,178
Illinois$803$1,517
Indiana$845$1,563
Iowa$732$1,479
Kansas$753$1,989
Kentucky$1,407$2,288
Louisiana$1,688$2,971
Maine$697$1,147
Maryland$1,768$2,556
Massachusetts$1,625$1,829
Michigan$1,779$2,704
Minnesota$1,101$1,578
Mississippi$944$2,050
Missouri$1,263$1,929
Montana$746$1,749
Nebraska$920$1,672
Nevada$1,271$2,297
New Hampshire$933$1,249
New Jersey$1,675$2,470
New Mexico$858$1,747
New York$2,157$2,607
North Carolina$989$1,534
North Dakota$1,180$1,978
Ohio$789$1,450
Oklahoma$859$1,827
Oregon$1,187$1,784
Pennsylvania$1,066$1,812
Rhode Island$1,872$2,589
South Carolina$1,611$2,191
South Dakota$810$1,612
Tennessee$832$1,833
Texas$1,134$2,244
Utah$1,329$1,741
Vermont$694$1,331
Virginia$1,043$1,681
Washington$1,178$1,994
West Virginia$856$1,912
Wisconsin$737$1,418
Wyoming$735$1,521

Average Car Insurance Premiums by Insurance Company Full vs Non Full Coverage

Carrier NameAverage Annual Premium (Non Full Coverage)Average Annual Premium (Full Coverage)
Allstate$1,123$2,341
Bristol West$1,444$3,040
Clearcover$1,099$1,985
Mercury$1,138$2,296
MetLife$712$1,890
National General$1,216$2,413
Nationwide$1,086$2,061
Progressive$1,396$2,198
Safeco$1,153$2,062
Travelers$1,396$2,198

Remember, full coverage insurance includes the three main types of car insurance: liability, collision, and comprehensive. The liability portion covers other drivers (and their property) in the event of an accident. The collision coverage protects you and your property in an accident. Comprehensive coverage protects your vehicle against vandalism, damage from non-accidents, and theft.

The right amount of car insurance for you depends on the make and model of your car, how (and where) you drive, and your unique needs.

Compare Insurance Rates by Your Location

Your location can also impact your rates, as theft, vandalism, and accident frequency can vary by geographic region.

StateAverage Annual Premium
Alabama$1,740
AlaskaNA
Arizona$1,705
Arkansas$1,747
California$1,987
Colorado$1,893
Connecticut$2,150
Delaware$2,468
District of Columbia$1,938
Florida$2,383
Georgia$2,474
Hawaii$615
Idaho$1,070
Illinois$1,404
Indiana$1,439
Iowa$1,385
Kansas$1,638
Kentucky$1,963
Louisiana$2,588
Maine$1,088
Maryland$2,426
Massachusetts$1,804
Michigan$2,461
Minnesota$1,465
Mississippi$1,903
Missouri$1,784
Montana$1,584
Nebraska$1,505
Nevada$2,112
New Hampshire$1,222
New Jersey$2,365
New Mexico$1,537
New York$2,535
North Carolina$1,471
North Dakota$1,679
Ohio$1,348
Oklahoma$1,570
Oregon$1,616
Pennsylvania$1,698
Rhode Island$2,419
South Carolina$2,103
South Dakota$1,434
Tennessee$1,582
Texas$2,076
Utah$1,641
Vermont$1,279
Virginia$1,589
Washington$1,863
West Virginia$1,772
Wisconsin$1,312
Wyoming$1,400

Auto Insurance Costs by Vehicle Type

Luxury cars can be more expensive to repair and replace, and they tend to cost more to insure than a run-of-the-mill vehicle. Additionally, you may receive a discount for having a car with built-in safety features or anti-theft devices.

Car Insurance Comparison by Credit Score

In most states, having a poor credit history can lead to higher home and auto insurance rates.

While each of these factors can play a role in determining your premiums, insurance providers may place a different amount of importance on each factor. That’s one reason your rates can vary from one company to another, even when you’re purchasing the same amount of coverage.

3 Ways to Lower Your Car Insurance Rates

Here are three ways you might be able to lower your rate:

1. See how much you can save by bundling multiple types of insurance, such as home and auto, from the same provider.
2. Increasing your deductible or lowering your coverage limits or types can lead to savings. But it’s a trade-off that could cost you when you need to file a claim.
3. Ask your insurance provider if it offers any discount. You may qualify for some, such as an infrequent driver discount, but it won’t get applied to your policy if the company doesn’t know you qualify.

Your rates can also change over time, and making a habit of looking for quotes once or twice a year can also help you save.

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