Advisor

Content on Jalopnik Advisor is commercial in nature and independent of Jalopnik Editorial and Advertising. Jalopnik Advisor content is free to consumers and always will be, however we and our partners may be compensated if you purchase a product or service through the links on this website.

Portrait of blond woman working from home on laptop computer

Compare Car Insurance Quotes

Compare car insurance pricing from multiple top providers to find the best rates.

Invalid Zip Code

Powered by  

09/20/2023 02:52 PM

Compare Car Insurance Rates

Answer a few simple questions to save money on your policy

×

It’s essential to compare car insurance quotes if you’re hoping to find the best rates or reduce your monthly premiums. Since each auto insurance company seeks a different type of driver, you’ll likely pay too much if you don’t compare car insurance quotes from multiple providers.

We’ve reviewed the industry’s best car insurance companies to determine which ones offer rock-solid coverage at affordable rates. However, you’ll miss out on the best bargains if you don’t compare several car insurance policy options. Read on to learn how to find the best and cheapest auto insurance for your needs.

Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks

Powered by

Why It’s Important To Compare Car Insurance Rates

It might seem like a major chore to compare car insurance premiums from providers before settling on a plan. You may already have your top choice in mind. However, it’s always worth getting multiple quotes to compare your options.

Auto insurance rates are always in flux, so there’s never a single provider that has the lowest prices. The cheapest car insurance company for your family members may charge astronomical prices for your policy. Worst of all, you won’t even know you’re paying too much unless you compare your options.

If you want quality auto insurance coverage at reasonable rates, it’s absolutely critical to take the time to do a thorough quote comparison between different companies. Below, we’ll look at factors that affect auto insurance prices to help you determine what a competitive rate for full coverage might look like for your car.


Compare Car Insurance By Provider

When you compare auto insurance policies, it’s important to have at least a ballpark estimate of how much each company charges. While there’s never a single provider that offers the cheapest rates across the board, some general pricing trends can emerge.

Generally speaking, you’ll likely find some of the lowest car insurance rates from USAAErie InsuranceAuto-Owners InsuranceState FarmGeico, and Progressive. This may not hold true for every driver, which is why it’s necessary to compare car insurance policies from multiple providers.

Car Insurance Provider Average Monthly Cost Average Annual Cost
USAA $84 $1,013
Erie Insurance $93 $1,113
Auto-Owners Insurance $102 $1,229
State Farm $112 $1,339
Geico $113 $1,352
Progressive $116 $1,397
Nationwide $128 $1,533
Travelers $135 $1,617
Farmers $169 $2,032
The Hartford $181 $2,166
Allstate $203 $2,430

USAA is only available to military members, veterans, and their families. Make sure you meet the company’s eligibility requirements before you compare car insurance quotes with USAA.

An easy way to get a lower car insurance rate is by checking what discount opportunities you may qualify for with each provider. You can often save by bundling liability coverage with your homeowners or renters insurance policy, taking a driver’s education course, remaining accident-free for a certain period of time, and more.


Compare Car Insurance By Gender And Age

Age is a critical factor in the cost of car insurance, with young drivers often paying much more than older ones. And in some states, the gender listed on your driver’s license may be as well. On average, young people listed as men pay the most for auto insurance coverage. Drivers of all genders generally see rates decrease after age 25.

Listed Gender and Age Average Monthly Cost Average Annual Cost
Female, 24 $198 $2,375
Male, 24 $215 $2,577
Female, 35 $144 $1,725
Male, 35 $145 $1,740

Compare Car Insurance By Credit Score

Some states don’t allow insurers to adjust your car insurance costs based on your credit score, but most do. People with higher credit scores generally get cheap car insurance rates in comparison to drivers with a poor credit history.

Credit Score Average Monthly Cost Average Annual Cost
Good credit $149 $1,785
Fair credit $182 $2,183
Poor credit $274 $3,284

Compare Car Insurance By Driving Record

Having a clean record can help you get the best price on car insurance. But any speeding tickets, at-fault accidents, and DUIs will increase what you pay for auto insurance. Your driving history is used to determine whether you’re considered a high-risk driver, which will be reflected in your rate.

Driving Record Average Monthly Cost Average Annual Cost
Clean driving record $149 $1,785
1 speeding violation $187 $2,241
1 car accident $224 $2,689
1 DUI $267 $3,200

Compare Car Insurance By State

The average cost of car insurance varies greatly between states. Part of the reason for this is that each state has its own minimum coverage requirements. For instance, you may need uninsured motorist coverage or personal injury protection in one state but not in another.

Compare car insurance rates for a full coverage policy below and you’ll find that drivers in MichiganNew York, and Louisiana tend to spend the most, while those in MaineOhio, and Wisconsin generally pay the least.

State Average Monthly Cost Average Annual Cost
Alabama $133 $1,592
Alaska $115 $1,374
Arizona $142 $1,703
Arkansas $125 $1,498
California $224 $2,685
Colorado $159 $1,902
Connecticut $140 $1,683
Delaware $164 $1,963
District of Columbia $152 $1,825
Florida $275 $3,300
Georgia $136 $1,635
Hawaii $113 $1,354
Idaho $101 $1,215
Illinois $133 $1,601
Indiana $97 $1,165
Iowa $97 $1,164
Kansas $121 $1,456
Kentucky $168 $2,015
Louisiana $324 $3,890
Maine $79 $942
Maryland $168 $2,013
Massachusetts $230 $2,761
Michigan $378 $4,530
Minnesota $136 $1,626
Mississippi $117 $1,399
Missouri $153 $1,837
Montana $193 $2,321
Nebraska $122 $1,467
Nevada $204 $2,443
New Hampshire $86 $1,034
New Jersey $188 $2,259
New Mexico $121 $1,453
New York $371 $4,457
North Carolina $116 $1,391
North Dakota $118 $1,417
Ohio $82 $988
Oklahoma $146 $1,748
Oregon $116 $1,392
Pennsylvania $124 $1,486
Rhode Island $169 $2,031
South Carolina $141 $1,691
South Dakota $116 $1,394
Tennessee $108 $1,300
Texas $185 $2,219
Utah $130 $1,559
Vermont $90 $1,085
Virginia $96 $1,156
Washington $116 $1,394
West Virginia $123 $1,473
Wisconsin $85 $1,017
Wyoming $132 $1,586

Compare Car Insurance By Major City

Drivers in major cities usually pay premiums that are much higher than in the rest of their states. One notable exception is Houston, where drivers pay slightly less than the average rate across Texas.

Major City Average Monthly Cost Average Annual Cost
Atlanta $162 $1,943
Baltimore $187 $2,241
Boston $308 $3,701
Charlotte, N.C. $119 $1,426
Chicago $169 $2,031
Cleveland $94 $1,132
Dallas $205 $2,459
Denver $207 $2,481
Detroit $552 $6,623
Houston $183 $2,192
Las Vegas $224 $2,682
Los Angeles $270 $3,242
Miami $365 $4,383
Minneapolis $166 $1,987
New York City $518 $6,221
Orlando, Fla. $332 $3,985
Philadelphia $205 $2,464
Phoenix $154 $1,848
Portland, Ore. $144 $1,733
Salt Lake City $146 $1,757
Seattle $133 $1,596
St. Louis $205 $2,461
Washington, D.C. $152 $1,825

How To Compare Car Insurance Quotes

Now that you have an idea of how much you may spend on auto coverage, it’s time to compare car insurance rates yourself. Read on if you’re still a bit unsure about how to move through the quotes process.

1. Collect Personal And Vehicle Information

You’ll need some information about yourself to start getting car insurance quotes. Here’s what you should have handy before you start the process:

  • Occupation
  • Accidents or tickets
  • Address
  • Marital status
  • Average number of miles driven each year
  • Date of birth
  • Car make and model
  • Driver’s license number

2. Figure Out What Coverage You Need

Research your state’s minimum car insurance coverage requirements. Nearly all motorists will need bodily injury liability and property damage liability insurance. Some states require uninsured/underinsured motorist coverage.

Consider whether you want additional types of insurance and increased amounts of coverage. Most experts strongly recommended that you exceed minimum coverage by adding comprehensive coverage, collision coverage, and medical payments coverage. Full coverage car insurance may cost more, but it can help insulate you from serious financial risk.

3. Compare Car Insurance Quotes Online Or Over The Phone

Once you know what you want, you can start getting quotes from companies to compare before picking a policy. You can get a quote by visiting an insurance agency in person or over the phone. These days, most insurers offer quotes online, which makes the process much easier.

Make sure to compare more than just rates–compare car insurance companies, too. Some insurers are easier to work with than others. Reading online reviews for insurers to gauge customer satisfaction can give you an idea of whether your insurance company will be there for you when you need it.


Recommendations For Car Insurance

It’s always best to compare car insurance quotes before making a final pick, but you’ll also want to know which providers offer top-tier service. Our team recommends State Farm and Geico to drivers on the lookout for exceptional service and affordable insurance prices.

State Farm: Best For Student Drivers

As seen above, State Farm offers monthly premiums that sit far below the industry norm. Particularly impressive is State Farm’s coverage for student drivers, who normally pay some of the highest rates around. From good student discounts to savings for taking driver training courses, teen drivers can find affordable rates with State Farm car insurance discounts.

State Farm insurance reviews are also relatively positive, largely because of the company’s personal touch. Despite State Farm being the United States’ largest auto insurer, its local insurance agents place the company right in the middle of communities.

For more information about the insurer, check out our State Farm insurance review.

Geico: Best Overall Provider

Geico is known for offering some of the lowest rates to customers who compare car insurance. While you might expect Geico’s below-average pricing stems from low-quality service, that’s not the case. The company holds an A+ customer service rating from the Better Business Bureau (BBB), and countless customers submit positive Geico insurance reviews.

You’ll also find some peace of mind from Geico’s A++ financial strength rating from AM Best. This score means Geico can easily cover any damages that might come up during your coverage period. Between its rock-solid reputation, superb financials, and quality customer service, it’s easy to see why our team selected Geico as the Best Overall Provider.

Read our comprehensive Geico insurance review to learn more.

Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks

Powered by

Frequently Asked Questions

How do I compare car insurance quotes?

The best way to compare car insurance quotes is by using an online quote comparison tool that gives the best price estimates from multiple providers at once. By using these quote calculators, drivers can be sure they’re getting the best and most affordable offers on the market.

Who has the cheapest car insurance?

USAA, Erie Insurance, Auto-Owners Insurance, State Farm, Geico, and Progressive all tend to offer cheap car insurance quotes. Remember that quotes are tailored to individuals, so be sure to compare personalized car insurance quotes from providers to find your cheapest option.

How do I find the best car insurance quote?

The best auto insurance quotes can be discovered by using an online quote tool that gives rate estimates from multiple providers. This allows drivers to compare insurance costs and coverage options to find out which company best matches their needs and budgets.

Why should I compare car insurance quotes online?

It’s smart to compare car insurance quotes online because it allows for quick comparison shopping between multiple providers’ offers. Auto insurance rates vary widely between companies, so it’s easy for customers to overpay for coverage. When drivers compare car insurance quotes online, they can make sure they’re getting the best possible coverage at the lowest rates.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.