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Compare auto insurance rates and quotes at a glance
- Your state plays a big part in your rates. New York has the most expensive car insurance rates, at $2,759 per year. Wyoming has the cheapest rates, at $426 per year.
- The average car insurance rate nationwide is $87 a month for minimum coverage and $176 per month for full coverage.
- Rates vary quite a bit by company: State Farm has some of the cheapest quotes, at $64 per month, compared to Nationwide, at $107 per month, for example.
- Age is a significant factor. A 20-year-old driver pays nearly twice as much for car insurance compared to the average 30-year-old driver.
We've got you covered — here's what else you should know
In this article:
Comparing car insurance rates
What you pay for car insurance can vary depending on a few different factors including your location, how much coverage you want, your driving history, age and credit score.
Compare quotes from the cheapest car insurance companies
USAA and Erie are the cheapest car insurance companies. However, Erie is available in only 12 states and the District of Columbia, and USAA only covers active and former military members and some of their family members. Of nationally available insurance companies, State Farm and Farm Bureau have the lowest car insurance rates.
| Company | Minimum coverage | Full coverage |
|---|---|---|
| USAA | $570 | $1,257 |
| Erie | $636 | $1,274 |
| State Farm | $766 | $1,506 |
| Farm Bureau | $868 | $1,696 |
| MetLife | $885 | $2,001 |
| Auto-Owners | $1,041 | $2,998 |
| Progressive | $1,045 | $1,995 |
| Mid-Century | $1,099 | $1,976 |
| American Family | $1,108 | $1,832 |
| GEICO | $1,132 | $2,483 |
| Nationwide | $1,282 | $2,346 |
| Allstate | $1,322 | $2,669 |
| Farmers | $1,341 | $2,406 |
| Travelers | $1,604 | $2,979 |
| Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||
An average car insurance policy costs between $87 to $177 per month. See how much you can save when you compare rates.
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Compare car insurance rates by driving history
Buying car insurance with a bad driving record is costly. Incidents on your record can increase your insurance rates for three years. Here’s how average car insurance rates compare for a clean driving record versus one with traffic incidents.
| Company | Clean record | At-fault accident |
|---|---|---|
| Erie | $1,300 | $1,554 |
| USAA | $1,256 | $1,725 |
| State Farm | $1,549 | $1,840 |
| Farm Bureau | $1,835 | $2,537 |
| Mid-Century | $1,960 | $2,851 |
| American Family | $1,832 | $2,860 |
| Progressive | $1,981 | $3,075 |
| MetLife | $2,001 | $3,193 |
| Nationwide | $2,346 | $3,197 |
| Farmers | $2,406 | $3,415 |
| Auto-Owners | $2,998 | $3,842 |
| Travelers | $2,979 | $3,842 |
| GEICO | $2,521 | $3,957 |
| Allstate | $2,669 | $3,970 |
| Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||
| Company | Clean record | DUI |
|---|---|---|
| Erie | $1,300 | $2,142 |
| USAA | $1,256 | $2,383 |
| State Farm | $1,549 | $2,110 |
| Farm Bureau | $1,835 | $3,131 |
| Mid-Century | $1,960 | $3,104 |
| American Family | $1,832 | $2,810 |
| Progressive | $1,981 | $2,621 |
| MetLife | $2,001 | $4,546 |
| Nationwide | $2,346 | $4,390 |
| Farmers | $2,406 | $4,080 |
| Auto-Owners | $2,998 | $4,598 |
| Travelers | $2,979 | $4,598 |
| GEICO | $2,521 | $5,673 |
| Allstate | $2,669 | $4,944 |
| Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||
| Company | Clean record | Speeding ticket |
|---|---|---|
| Erie | $1,300 | $1,425 |
| USAA | $1,256 | $1,539 |
| State Farm | $1,549 | $1,698 |
| Farm Bureau | $1,835 | $2,194 |
| Mid-Century | $1,960 | $2,604 |
| American Family | $1,832 | $2,210 |
| Progressive | $1,981 | $2,574 |
| MetLife | $2,001 | $3,904 |
| Nationwide | $2,346 | $3,042 |
| Farmers | $2,406 | $3,197 |
| Auto-Owners | $2,998 | $3,622 |
| Travelers | $2,979 | $3,622 |
| GEICO | $2,521 | $3,005 |
| Allstate | $2,669 | $3,123 |
| Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||
Compare car insurance rates by age
How much you pay for car insurance varies significantly depending on your age. Young drivers face high insurance rates due to their inexperience. Insurance for a 16-year-old is more than three times as expensive compared to a 25-year-old.
Car insurance rates go down considerably around age 25, assuming a clean driving record.
Based on our analysis, the major insurers that offered the cheapest insurance rates for each age group were Farm Bureau and State Farm. American Family offered the third most inexpensive rates, on average, for all age groups except for drivers in their 60s, who received cheaper rates from Mercury.
Compare car insurance rates by state
Average car insurance rates are different in each state. Insurance laws, property crime statistics and accident rates vary from state to state, and so do insurance rates.
New York has the most expensive car insurance in the country, with annual rates of $2,759 for minimum coverage and $4,943 for full coverage.
Wyoming has the cheapest car insurance in the country, with annual rates of $426 for minimum coverage and $1,577 for full coverage.
Here’s how average car insurance rates compare across states for both minimum and full-coverage policies:
| State | Minimum coverage | Full coverage |
|---|---|---|
| National average | $1,040 | $2,108 |
| Alabama | $965 | $1,973 |
| Alaska | $697 | $1,388 |
| Arizona | $1,822 | $3,180 |
| Arkansas | $826 | $1,864 |
| California | $850 | $1,996 |
| Colorado | $1,193 | $2,198 |
| Connecticut | 1,346 | $2,524 |
| Delaware | $1,375 | $2,379 |
| District of Columbia | $1,856 | $2,020 |
| Florida | $1,821 | $4,651 |
| Georgia | $1,010 | $1,923 |
| Hawaii | $744 | $1,682 |
| Idaho | $614 | $1,251 |
| Illinois | $1,211 | $2,580 |
| Indiana | $605 | $1,368 |
| Iowa | $556 | $1,455 |
| Kansas | $621 | $1,584 |
| Kentucky | $1,527 | $2,997 |
| Louisiana | $1,617 | $4,178 |
| Maine | $505 | $1,018 |
| Maryland | $1,358 | $2,535 |
| Massachusetts | $874 | $2,218 |
| Michigan | $2,236 | $3,671 |
| Minnesota | $1,101 | $2,132 |
| Mississippi | $1,128 | $2,214 |
| Missouri | $956 | $2,194 |
| Montana | $622 | $1,590 |
| Nebraska | $576 | $1,380 |
| Nevada | $1,824 | $3,059 |
| New Hampshire | $868 | $1,887 |
| New Jersey | $1,037 | $2,135 |
| New Mexico | $810 | $1,732 |
| New York | $2,759 | $4,943 |
| North Carolina | $557 | $1,059 |
| North Dakota | $539 | $1,821 |
| Ohio | $544 | $1,291 |
| Oklahoma | $930 | $1,915 |
| Oregon | $1,404 | $2,257 |
| Pennsylvania | $746 | $1,717 |
| Rhode Island | $1,796 | $3,312 |
| South Carolina | $1,106 | $2,008 |
| South Dakota | $500 | $2,037 |
| Tennessee | $722 | $1,651 |
| Texas | $1,436 | $3,011 |
| Utah | $1,016 | $1,735 |
| Vermont | $516 | $1,287 |
| Virginia | $765 | $1,559 |
| Washington | $1,116 | $1,804 |
| West Virginia | $654 | $1,527 |
| Wisconsin | $560 | $1,300 |
| Wyoming | $426 | $1,577 |
| Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary. | ||
How to find the cheapest car insurance policy
To ensure that you receive the best possible rates, you should not only contact multiple companies but also:
Nearly all insurers offer discounts to their drivers, many of which you can easily qualify for or might already meet the eligibility for. These discounts can rack up hundreds or even thousands of dollars in annual savings. A few discounts typically offered by major companies include:
- Organization affiliation Military service, a post-secondary degree and employment in certain occupations are among factors that could get you a lower rate.
- Low mileage Some carriers offer low-mileage discounts to those who don’t drive very far, such as retirees or those who work from home.
- Car safety equipment Cars with certain safety features, such as anti-lock brakes, might get you a lower rate. Features that are expensive to fix might push it higher.
- Policy bundle Companies offering multiple types of insurance usually have an incentive in place for doing more business with them. If you need home or renters insurance in addition to home insurance, see if you can get a better deal by purchasing policies from the same insurer.
Most major insurers provide the option of covering multiple vehicles under one shared policy. Your bill will come as one document rather than multiple, making it easy to track payments and pay the bills. Additionally, you can even get a discount for having more than one vehicle insured.
This option is particularly useful for drivers under the age of 25 to use with an older member of their household. The reason is that teen drivers are considered riskier to insure and are therefore charged higher insurance premiums. By signing onto an older party's policy, they take on part of that risk. However, this option is still cheaper than obtaining two separate policies.
Your lifestyle is constantly changing, which could affect your driving needs. If you're not driving as much or have your car in storage, consider downgrading the amount of protection you have. Has the value of your car gone down recently? It might be worth it to opt for lower coverage rather than higher.
Drivers who have had a credit score improvement or moved neighborhoods recently can also check to see if they can get quoted at a lower rate.
The difference between the cheapest and most expensive insurance companies can span thousands of dollars worth of savings each year. To find the best policy, you need to shop around and evaluate your options.
Full coverage car insurance
A full coverage auto insurance policy includes liability, collision and comprehensive coverage.
Average annual rate: $2,119
State-minimum car insurance
In most states, a minimum car insurance policy only comes with liability coverage.
Average annual rate: $1,044
Your car insurance policy may include other coverage types, too, like collision, comprehensive, uninsured and underinsured motorist, medical payments or personal injury protection. Here’s how each of them protects you:
| Coverage type | What does it cover? |
|---|---|
Liability |
Injuries or damages to third parties and their property. |
Collision |
Damage to your vehicle after it hits another vehicle, a stationary object or even a pothole. |
Comprehensive |
Damage to your vehicle caused by animals, falling objects, fire, natural disasters, theft or vandalism. |
Medical |
Some medical bills and even funeral costs after an accident. |
Personal injury protection |
Some medical bills tied to a car accident, plus funeral costs, lost wages and childcare expenses. |
Uninsured and underinsured motorist |
Damages to your vehicle caused by another driver who doesn't have any or enough liability coverage. |
If you get quotes for car insurance policies that offer the same types and amounts of coverage, you can focus your comparison on price, reputation, customer service and perks like accident forgiveness and roadside assistance.
How to compare car insurance quotes with QuoteWizard
| Comparing car insurance with QuoteWizard | Comparing car insurance manually |
|---|---|
| Takes a few minutes | Can take hours |
| Enter your driver information once to get multiple quotes | Enter personal information again for every different quote |
One way is to get several quotes from individual agents or companies in person, over the phone or online, and then compare them. That takes a lot of time and it can also be confusing.
After all, if you don’t use the exact same information to get these quotes, you’re not really comparing apples to apples, as the saying goes. And that makes it difficult, if not impossible, to get the best price for the coverage you need. Since the rate available to you will vary from carrier to carrier, it’s always best to review multiple quotes.
QuoteWizard does the heavy lifting for you. We save you time by providing personalized quotes in real-time from licensed insurance agents near you, while keeping your personal information secure.
To get started, gather some basic data:
- Personal information: Age, marital status, credit score, date of birth and address.
- Car: The vehicle’s make, mileage, model and year.
- Auto insurance history: Previous coverage and insurance lapses.
- Driving history: Traffic tickets, car accidents or driving violations in the last three years.
This should take a couple of minutes at most. When you’re done, we’ll connect you to multiple car insurance companies and quotes so you can choose the cheapest policy or the company with the best reputation — whatever is most important to you.
Take into consideration the proposed policy's total cost, any discounts applied to the quoted rate and the policy term — most are six months, but some last one year.
Find out how much money you can save on auto insurance when insurance companies compete for your business.
Frequently asked questions
How do you compare auto insurance rates online?
Comparing auto insurance rates online is a simple, three-step process.
- Provide basic details about you, your vehicle and household.
- Connect with the insurance company or local agents to confirm your information and receive quotes.
- Select the proposal that provides the best coverage and rate.
Some car insurance companies have fully automated platforms that offer quotes and issue policies 24/7. Others have a licensed agent respond to your query during business hours. QuoteWizard shares your information with insurance agents over our secure network. All quotes are free and non-binding.
Can I bundle my auto insurance with my home or renters coverage?
Absolutely. Insurers that offer auto, home and renters usually have a bundle option where you can apply for multiple coverages. In fact, many companies offer generous discounts for bundling. Obtaining multiple policies from the same insurer also often makes it easier to keep track of your claims and bills.
How long does it take to buy car insurance?
With QuoteWizard, you can obtain quotes from multiple companies by filling out a single form that typically only takes about five minutes to complete. The insurance agents who receive your quote request may reach out to you for a few additional details. After you decide on a quote to purchase, plan on needing another 15 to 20 minutes to confirm your coverage details, make your initial payment and activate your policy.
What should I consider when comparing auto insurance rates?
When comparing auto insurance rates, it’s important to make sure each quote you review contains the same coverages, limits and deductibles. These should each be clearly identified in your quotes. While price is important, it’s also important to make sure you have enough coverage.
How much car insurance coverage should I get?
Your state’s minimum car insurance requirements are a good starting point for deciding how much car insurance coverage to get, but most people need more. Your liability limits should match or exceed your net worth. Collision and comprehensive coverage are required for car loans and leases and are worth having for wholly owned cars worth a few thousand dollars or more. Uninsured motorist and personal injury protection are required in some states. Both are worth considering where optional, because they cover injuries to you and your passengers, including expenses health insurance may not cover.
How do online car insurance quotes work?
Online car insurance quotes allow you to receive non-guaranteed rate estimates through your digital device. Although online car insurance platforms vary by provider, they all generally require you to provide details about yourself, your vehicle and household. Insurance companies combine this information with details they pull from credit and insurance industry databases to determine your rate, subject to verification. Insurance inquiries typically do not affect your credit score.
How does QuoteWizard make money?
As an online insurance marketplace, QuoteWizard makes money by connecting insurance shoppers to insurance agents serving your community. Our platform enables you to receive three to four quotes with a single secure form. Participating agents pay us a fee for delivering the information they need to prepare a quote for you.
Do auto insurance rates change based on gender?
Insurance companies often include gender among the factors they use to determine your auto insurance rate, along with your age, ZIP code, driving record, credit, vehicle and others. Our research shows that 18-year-old women are charged less for car insurance than their male counterparts, while 35-year-old women are charged more. Some states, including California, Pennsylvania and North Carolina, ban the use of gender as a car insurance rate factor.
Why QuoteWizard
- With our service, auto insurance agents compete for your business so you get your best deal.
- We are not affiliated with any auto insurance company.
- We’ve been doing this since 2006 and have connected over 50 million people to better rates.
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This guide on auto insurance comparison shopping is based on more than a decade of expertise in car insurance and quote comparison. Our team of in-house insurance experts compiled advice, quotes, rates and company data to educate consumers on how to compare car insurance quotes.
Average car insurance rates were compiled from more than 100,000 quotes across the country. Each state rate is based on quotes for every available company across 20 of the largest ZIP codes. Our base driver profile is a 30-year-old male who drives a 2012 Honda Accord LX. He has excellent credit and no accidents.