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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.
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. 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
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 | $1,044 | $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 StatesAn 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 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.
| 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 |
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.
To ensure that you receive the best possible rates, you should not only contact multiple companies but also:
- Look into what discounts you qualify for.
- Consider a combined insurance policy.
- 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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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.