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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.

These differences in rates show why comparing quotes is so important. If you don’t compare quotes, you might overpay for auto insurance coverage. Or you may end up with a cheap policy with insufficient coverage or subpar customer service.

Comparing car insurance rates

What you pay for car insurance can vary depending on a few different factors. Insurers consider where you live, how much coverage you want, your driving history, age and credit score when pricing your policy.

Compare car insurance rates by state

Cost of minimum coverage per 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:

Average cost of car insurance by state
State Minimum coverage Full coverage
National average $1,044 $2,119
Alabama $965 $1,972
Alaska $697 $1,387
Arizona $1,822 $3,180
Arkansas $826 $1,864
California $849 $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 $1,454
Kansas $621 $1,584
Kentucky $1,527 $2,997
Louisiana $1,616 $4,178
Maine $506 $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 $1,887
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.

Your car insurance rates depend on where you live

Premiums vary from state to state. A driver in New York pays almost five times more for minimum car insurance coverage than a driver in Iowa.

Compare and find the cheapest auto insurance rates for:

See All States

An average car insurance policy costs between $87 to $177 per month. See how much you can save when you compare rates.

Providers Include

Esurance Logo American Family Insurance Logo State Farm Insurance

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 $1,256
Erie $636 $1,300
State Farm $766 $1,549
Farm Bureau $868 $1,835
MetLife $868 $1,835
Auto-Owners $1,041 $2,998
Progressive $1,045 $1,981
Mid-Century $1,099 $1,960
American Family $1,108 $1,832
GEICO $1,132 $2,521
Nationwide $1,282 $2,346
Allstate $1,322 $2,669
Farmers $1,341 $1,604
Travelers $1,604 $2,979
Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary.

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.

Average annual cost of car insurance by driving incident
Company Clean record At-fault accident DUI Speeding ticket
Erie $1,300 $1,554 $2,142 $1,425
USAA $1,256 $1,725 $2,383 $1,539
State Farm $1,549 $1,840 $2,110 $1,698
Farm Bureau $1,835 $2,537 $3,131 $2,194
Mid-Century $1,960 $2,851 $3,104 $2,604
American Family $1,832 $2,860 $2,810 $2,210
Progressive $1,981 $3,075 $2,621 $2,574
MetLife $2,001 $3,193 $4,546 $3,904
Nationwide $2,346 $3,197 $4,390 $3,042
Farmers $2,406 $3,415 $4,080 $3,197
Auto-Owners $2,998 $3,842 $4,598 $3,622
Travelers $2,979 $3,842 $4,598 $3,622
GEICO $2,521 $3,957 $5,673 $3,005
Allstate $2,669 $3,970 $4,944 $3,123
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 Fam. 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.

How an auto insurance quote comparison works

To get cheap car insurance or the coverage you want for your best price, you not only have to compare quotes — you have to compare quotes properly.

What’s the right way to compare auto insurance quotes? The most important part of the process is to compare quotes for the same types and amounts of coverage.

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 icon

Liability

Injuries or damages to third parties and their property.

collision icon

Collision

Damage to your vehicle after it hits another vehicle, a stationary object or even a pothole.

comprehensive icon

Comprehensive

Damage to your vehicle caused by animals, falling objects, fire, natural disasters, theft or vandalism.

medical icon

Medical

Some medical bills and even funeral costs after an accident.

personal injury icon

Personal injury protection

Some medical bills tied to a car accident, plus funeral costs, lost wages and childcare expenses.

uninsured motorist icon

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.

To ensure that you receive the best possible rates, you should not only contact multiple companies but also:

  1. Look into what discounts you qualify for.
  2. Consider a combined insurance policy.
  3. Check if you can bundle your auto insurance with your other policies.

How to compare car insurance quotes with QuoteWizard

You can compare auto insurance quotes in two ways.

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, though, 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.

Another way to compare quotes is to use QuoteWizard. When you use QuoteWizard to compare car insurance rates, we do the heavy lifting for you. 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.

Find out how much money you can save on auto insurance when insurance companies compete for your business.

Frequently asked questions

Who has the cheapest car insurance?

Your most affordable rates will depend on factors like where you live, as well as your insurance and driving histories. However, based on our analysis, we found that USAA, Erie, State Farm and Farm Bureau quoted us the cheapest auto insurance rates. 

How do I find the best insurance quote?

Choose your ideal car insurance coverage levels and then use an auto insurance quote comparison site like QuoteWizard to compare multiple quotes at once. The ideal car insurance company will be different for everyone, which is why it's imperative to shop and compare rates from multiple insurers. 

How do I compare car insurance plans?

Make sure coverage levels are equal for each plan and then compare their rates, features and customer satisfaction ratings to find the car insurance policy that suits your needs. Paying low rates may come at the expense of claims satisfaction and convenient services like roadside assistance. 

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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Methodology

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 random ZIP codes. Our base driver profile is a 35-year-old male who drives a 2012 Honda Accord LX. He has excellent credit and no accidents.

Learn more about auto insurance