To ensure you’re getting the right coverage and best price, shop for car insurance with a quote tool to compare rates from multiple companies side by side.
Discover if you are overpaying for car insurance below.
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To ensure you’re getting the right coverage and best price, shop for car insurance with a quote tool to compare rates from multiple companies side by side.
Discover if you are overpaying for car insurance below.
With our comparison partner,
Key Takeaways:
In this article, we at the MarketWatch Guides team explain how car insurance rates can change and why comparing multiple car insurance quotes at once is a good idea. We also cover how to shop for car insurance before sharing a few affordable auto policy options from our best car insurance companies.
Our rate data is from Quadrant Information Services, and unless stated otherwise, costs are based on the profile of a 35-year-old driver with good credit and a clean driving history. We chose this profile as it’s representative of a large number of drivers and excludes factors that raise rates.
Learn more about our methodology and editorial guidelines.
Age correlates with driving experience, so it’s the most influential factor when determining rates for car insurance. Those aged 16 to 25 pay the most, averaging rates that are 161% higher for full coverage than those between 35 and 55. Below, you can compare full coverage car insurance rates by age for those with good credit and driving records:
Age | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate |
16 | $632 | $7,581 |
25 | $195 | $2,336 |
35 | $167 | $2,008 |
45 | $160 | $1,923 |
55 | $147 | $1,767 |
65 | $137* | $1,648* |
75 | $159* | $1,912* |
Below, you can compare average car insurance quotes by age and provider for full coverage:
Car Insurance Provider | Average Annual Rates for 16-Year-Olds | Average Annual Rates for 55-Year-Olds | Average Annual Rates for 75-Year-Olds** | Visit Review |
Nationwide | $4,835 | $1,229 | $1,479 | Learn More |
Geico | $5,307 | $1,457 | $1,457 | Learn More |
State Farm | $5,514 | $1,534 | $1,520 | Learn More |
Travelers | $5,436 | $1,346 | $1,754 | Learn More |
Progressive | $10,139 | $1,679 | $1,872 | Learn More |
AAA | $11,924 | $2,460 | $3,191 | Learn More |
Allstate | $11,263 | $2,349 | $2,328 | Learn More |
Farmers Insurance | $16,408 | $2,790 | $2,468 | Learn More |
USAA | $6,431 | $1,347 | $1,260 | Learn More |
Erie Insurance | $4,259 | $1,258 | $1,458 | Learn More |
Auto-Owners Insurance | $4,459 | $1,469 | $1,456 | Learn More |
American Family Insurance | $5,535 | $1,651 | $1,801 | Learn More |
Mercury Insurance | $18,574 | $2,416 | $2,434 | Learn More |
Safety Insurance | $10,313 | $993 | $1,847 | Learn More |
Read More: Car Insurance Rates by Age
The table below summarizes the average full-coverage pricing you’ll find in each state for young, middle-aged and older drivers:
State | Average Annual Rates for 16-Year-Olds | Average Annual Rates for 55-Year-Olds | Average Annual Rates for 75-Year-Olds* | Find Cheap Companies in Your State |
Alabama | $6,853 | $1,579 | $1,694 | Learn More |
Alaska | $6,422 | $1,481 | $1,610 | Learn More |
Arizona | $8,495 | $1,766 | $1,944 | Learn More |
Arkansas | $7,868 | $1,758 | $1,685 | Learn More |
California | $6,725 | $2,199 | $2,333 | Learn More |
Colorado | $8,453 | $1,935 | $2,053 | Learn More |
Connecticut | $11,410 | $1,730 | $3,552 | Learn More |
Delaware | $13,788 | $2,489 | $2,304 | Learn More |
Florida | $12,184 | $2,882 | $3,245 | Learn More |
Georgia | $8,254 | $1,713 | $1,933 | Learn More |
Hawaii | $1,805 | $1,656 | $1,819 | Learn More |
Idaho | $6,433 | $1,225 | $1,172 | Learn More |
Illinois | $5,409 | $1,326 | $1,584 | Learn More |
Indiana | $5,402 | $1,353 | $1,500 | Learn More |
Iowa | $5,041 | $1,355 | $1,205 | Learn More |
Kansas | $7,661 | $1,655 | $1,484 | Learn More |
Kansas | $9,597 | $2,178 | $2,018 | Learn More |
Louisiana | $13,261 | $2,621 | $2,919 | Learn More |
Maine | $4,831 | $1,126 | $916 | Learn More |
Maryland | $7,065 | $1,626 | $1,958 | Learn More |
Massachusetts | $9,483 | $2,230 | $2,318 | Learn More |
Michigan | $12,921 | $3,244 | $3,832 | Learn More |
Minnesota | $5,403 | $1,518 | $1,831 | Learn More |
Mississippi | $6,722 | $1,431 | $1,611 | Learn More |
Missouri | $6,896 | $1,838 | $1,826 | Learn More |
Montana | $7,394 | $1,724 | $2,093 | Learn More |
Nebraska | $6,293 | $1,596 | $1,590 | Learn More |
Nevada | $11,788 | $2,526 | $2,595 | Learn More |
New Hampshire | $5,814 | $1,225 | $1,608 | Learn More |
New Jersey | $10,578 | $2,269 | $2,181 | Learn More |
New Mexico | $7,463 | $1,771 | $1,611 | Learn More |
New York | $6,659 | $1,892 | $3,149 | Learn More |
North Carolina | $4,373 | $1,510 | $1,378 | Learn More |
North Dakota | $7,770 | $1,628 | $1,363 | Learn More |
Ohio | $5,956 | $1,429 | $1,200 | Learn More |
Oklahoma | $8,117 | $2,057 | $1,854 | Learn More |
Oregon | $8,403 | $1,712 | $1,587 | Learn More |
Pennsylvania | $6,441 | $1,730 | $2,085 | Learn More |
Rhode Island | $13,472 | $2,105 | $2,114 | Learn More |
South Carolina | $6,491 | $1,604 | $2,129 | Learn More |
South Dakota | $8,192 | $1,959 | $1,545 | Learn More |
Tennessee | $6,897 | $1,327 | $1,419.51 | Learn More |
Texas | $8,722 | $1,946 | $2,122.85 | Learn More |
Utah | $8,534 | $1,703 | $1,848.85 | Learn More |
Vermont | $4,463 | $1,018 | $1,333.31 | Learn More |
Virginia | $6,984 | $1,539 | $1,379.40 | Learn More |
Washington | $6,152 | $1,427 | $1,690.54 | Learn More |
Washington | $9,465 | $2,020 | $2,150 | Learn More |
West Virginia | $9,465 | $2,020 | $2,150 | Learn More |
West Virginia | $9,046 | $1,889 | $1,728.89 | Learn More |
Wisconsin | $8,434 | $1,475 | $1,333.84 | Learn More |
Wyoming | $6,108 | $1,545 | $1,985.92 | Learn More |
When it comes to the cost of car insurance, the coverage level you choose is the second most influential factor to consider. Liability-only car insurance, also called minimum coverage, is the cheapest, but it doesn’t offer the additional protection that a full-coverage plan provides. Below you can compare car insurance quotes from national and regional providers by coverage level:
Car Insurance Provider | Average Annual Minimum-Coverage Rate | Average Annual Full-Coverage Rate | Visit Review |
Nationwide | $531 | $1,433 | Learn More |
Geico | $461 | $1,596 | Learn More |
State Farm | $523 | $1,657 | Learn More |
Travelers | $648 | $1,595 | Learn More |
Progressive | $697 | $2,030 | Learn More |
AAA | $754 | $2,627 | Learn More |
Allstate | $854 | $2,598 | Learn More |
Farmers Insurance | $1,153 | $3,169 | Learn More |
USAA | $387 | $1,512 | Learn More |
Erie Insurance | $390 | $1,458 | Learn More |
Auto-Owners Insurance | $358 | $1,619 | Learn More |
American Family Insurance | $810 | $1,851 | Learn More |
Mercury Insurance | $1,153 | $2,980 | Learn More |
Safety Insurance | $354 | $1,177 | Learn More |
Below, you can compare the average car insurance prices for minimum and full coverage by state:
State | Average Annual Minimum-Coverage Rate | Average Annual Full-Coverage Rate |
Alabama | $502 | $1,775 |
Alaska | $486 | $1,685 |
Arizona | $635 | $2,008 |
Arkansas | $451 | $2,038 |
California | $602 | $2,313 |
Colorado | $566 | $2,173 |
Connecticut | $980 | $1,919 |
Delaware | $1,194 | $2,881 |
Florida | $1,385 | $3,244 |
Georgia | $680 | $1,973 |
Hawaii | $529 | $1,656 |
Idaho | $378 | $1,402 |
Illinois | $441 | $1,541 |
Indiana | $432 | $1,587 |
Iowa | $274 | $1,563 |
Kansas | $475 | $1,918 |
Kentucky | $682 | $2,522 |
Louisiana | $925 | $3,040 |
Maine | $380 | $1,238 |
Maryland | $901 | $1,833 |
Massachusetts | $754 | $2,430 |
Michigan | $1,360 | $3,643 |
Minnesota | $481 | $1,766 |
Mississippi | $453 | $1,658 |
Missouri | $560 | $2,104 |
Montana | $398 | $1,979 |
Nebraska | $356 | $1,871 |
Nevada | $1,283 | $2,788 |
New Hampshire | $415 | $1,362 |
New Jersey | $1,332 | $2,513 |
New Mexico | $536 | $1,943 |
New York | $870 | $2,088 |
North Carolina | $469 | $1,627 |
North Dakota | $445 | $1,916 |
Ohio | $536 | $1,599 |
Oklahoma | $516 | $2,278 |
Oregon | $953 | $1,925 |
Pennsylvania | $437 | $1,981 |
Rhode Island | $1,036 | $2,357 |
South Carolina | $701 | $1,845 |
South Dakota | $328 | $2,291 |
Tennessee | $404 | $1,524 |
Texas | $683 | $2,205 |
Utah | $732 | $1,928 |
Vermont | $310 | $1,199 |
Virginia | $545 | $1,781 |
Washington | $561 | $1,616 |
Washington | $686 | $2,218 |
West Virginia | $604 | $2,177 |
Wisconsin | $408 | $1,694 |
Wyoming | $308 | $1,702 |
Read more: Car Insurance Rates by State
You can start getting car insurance quotes for your zip code with our free comparison tool
Based on our rate data, in states that consider credit when calculating rates, drivers with bad credit pay 91% more per year for full-coverage car insurance. This makes credit score the third most important factor that determines car insurance rates. Below, you can compare auto insurance rates for drivers with bad credit:
Car Insurance Provider | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate | Visit Review |
Nationwide | $173 | $2,072 | Learn More |
Geico | $216 | $2,592 | Learn More |
State Farm | $375 | $4,505 | Learn More |
Travelers | $252 | $3,019 | Learn More |
Progressive | $331 | $3,977 | Learn More |
AAA Insurance | $505 | $6,062 | Learn More |
Allstate | $354 | $4,244 | Learn More |
Farmers Insurance | $461 | $5,528 | Learn More |
USAA | $228 | $2,737 | Learn More |
Erie | $277 | $3,319 | Learn More |
Auto-Owners Insurance | $381 | $4,566 | Learn More |
American Family Insurance | $240 | $2,886 | Learn More |
Mercury Insurance | $414 | $4,972 | Learn More |
Safety Auto Insurance | $166 | $1,993 | Learn More |
Below, you can find the average car insurance pricing for full coverage in your state if you have bad credit:
State | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate |
Alabama | $269 | $3,231 |
Alaska | $224 | $2,692 |
Arizona | $527 | $6,321 |
Arkansas | $303 | $3,639 |
California | N/A* | N/A* |
Colorado | $334 | $4,006 |
Connecticut | $277 | $3,329 |
Delaware | $410 | $4,917 |
Florida | $400 | $4,796 |
Georgia | $266 | $3,198 |
Hawaii | N/A* | N/A* |
Idaho | $187 | $2,243 |
Illinois | $246 | $2,956 |
Indiana | $234 | $2,813 |
Iowa | $234 | $2,806 |
Kansas | $275 | $3,304 |
Kentucky | $424 | $5,090 |
Louisiana | $469 | $5,632 |
Maine | $201 | $2,414 |
Maryland | $260 | $3,123 |
Massachusetts | N/A* | N/A* |
Michigan | N/A* | N/A* |
Minnesota | $333 | $3,991 |
Mississippi | $258 | $3,093 |
Missouri | $328 | $3,935 |
Montana | $253 | $3,031 |
Nebraska | $332 | $3,983 |
Nevada | $361 | $4,328 |
New Hampshire | $226 | $2,712 |
New Jersey | $481 | $5,767 |
New Mexico | $245 | $2,943 |
New York | $409 | $4,904 |
North Carolina | $203 | $2,440 |
North Dakota | $300 | $3,597 |
Ohio | $245 | $2,944 |
Oklahoma | $284 | $3,408 |
Oregon | $268 | $3,215 |
Pennsylvania | $268 | $3,220 |
Rhode Island | $385 | $4,619 |
South Carolina | $285 | $3,421 |
South Dakota | $403 | $4,832 |
Tennessee | $238 | $2,853 |
Texas | $339 | $4,072 |
Utah | $300 | $3,594 |
Vermont | $183 | $2,201 |
Virginia | $289 | $3,463 |
Washington | $152 | $1,818 |
Washington, D.C. | $331 | $3,977 |
West Virginia | $344 | $4,123 |
Wisconsin | $299 | $3,586 |
Wyoming | $231 | $2,767 |
Read more: Best Car Insurance for Bad Credit
Based on our analysis, whether or not you have a DUI on your driving record is the fourth most influential factor impacting auto insurance rates. Drivers with DUI on their record pay 71% more annually on average. Compare full-coverage car insurance rates for drivers with a DUI here:
Car Insurance Provider | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate | Visit Review |
Nationwide | $274 | $3,288 | Learn More |
Geico | $303 | $3,641 | Learn More |
State Farm | $183 | $2,194 | Learn More |
Travelers | $185 | $2,218 | Learn More |
Progressive | $212 | $2,548 | Learn More |
AAA Insurance | $336 | $4,034 | Learn More |
Allstate | $317 | $3,803 | Learn More |
Farmers Insurance | $442 | $5,309 | Learn More |
USAA | $227 | $2,721 | Learn More |
Erie | $206 | $2,474 | Learn More |
Auto-Owners Insurance | $259 | $3,110 | Learn More |
American Family Insurance | $205 | $2,457 | Learn More |
Mercury Insurance | $337 | $4,050 | Learn More |
Safety Auto Insurance | $288 | $3,458 | Learn More |
Below are average state-by-state full-coverage car insurance rates for those with a DUI:
State | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate |
Alabama | $229 | $2,744 |
Alaska | $188 | $2,261 |
Arizona | $266 | $3,197 |
Arkansas | $252 | $3,026 |
California | $540 | $6,476 |
Colorado | $260 | $3,123 |
Connecticut | $339 | $4,073 |
Delaware | $362 | $4,347 |
Florida | $347 | $4,160 |
Georgia | $270 | $3,244 |
Hawaii | $448 | $5,370 |
Idaho | $196 | $2,350 |
Illinois | $203 | $2,437 |
Indiana | $205 | $2,458 |
Iowa | $225 | $2,697 |
Kansas | $286 | $3,433 |
Kentucky | $343 | $4,122 |
Louisiana | $391 | $4,695 |
Maine | $221 | $2,647 |
Maryland | $268 | $3,222 |
Massachusetts | $370 | $4,442 |
Michigan | $688 | $8,260 |
Minnesota | $300 | $3,606 |
Mississippi | $250 | $3,002 |
Missouri | $257 | $3,085 |
Montana | $254 | $3,050 |
Nebraska | $264 | $3,169 |
Nevada | $385 | $4,625 |
New Hampshire | $194 | $2,328 |
New Jersey | $383 | $4,599 |
New Mexico | $245 | $2,941 |
New York | $245 | $2,944 |
North Carolina | $547 | $6,564 |
North Dakota | $249 | $2,993 |
Ohio | $225 | $2,701 |
Oklahoma | $271 | $3,255 |
Oregon | $234 | $2,811 |
Pennsylvania | $248 | $2,977 |
Rhode Island | $403 | $4,831 |
South Carolina | $229 | $2,747 |
South Dakota | $363 | $4,358 |
Tennessee | $195 | $2,342 |
Texas | $264 | $3,168 |
Utah | $223 | $2,677 |
Vermont | $226 | $2,711 |
Virginia | $276 | $3,307 |
Washington | $186 | $2,232 |
Washington, D.C. | $312 | $3,744 |
West Virginia | $371 | $4,456 |
Wisconsin | $217 | $2,605 |
Wyoming | $246 | $2,957 |
Read more: How Does a DUI or DWI Impact My Insurance Rate?
Drivers with an at-fault car accident in their driving history pay 45% more per year for full-coverage car insurance on average than those with clean driving records. Accidents are the fifth most influential factor impacting rates, according to our rate research.
See regional and national provider quotes for those with an accident history below:
Car Insurance Provider | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate | Visit Review |
Nationwide | $197 | $2,368 | Learn More |
Geico | $224 | $2,694 | Learn More |
State Farm | $163 | $1,953 | Learn More |
Travelers | $176 | $2,110 | Learn More |
Progressive | $254 | $3,052 | Learn More |
AAA Insurance | $342 | $4,104 | Learn More |
Allstate | $341 | $4,094 | Learn More |
Farmers Insurance | $410 | $4,917 | Learn More |
USAA | $182 | $2,187 | Learn More |
Erie | $164 | $1,962 | Learn More |
Auto-Owners Insurance | $175 | $2,095 | Learn More |
American Family Insurance | $181 | $2,169 | Learn More |
Mercury Insurance | $414 | $4,963 | Learn More |
Safety Auto Insurance | $200 | $2,401 | Learn More |
Compare the auto insurance pricing in each state for drivers with accidents in their driving histories:
State | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate |
Alabama | $208 | $2,498 |
Alaska | $187 | $2,248 |
Arizona | $245 | $2,938 |
Arkansas | $250 | $3,001 |
California | $340 | $4,085 |
Colorado | $253 | $3,040 |
Connecticut | $225 | $2,699 |
Delaware | $324 | $3,893 |
Florida | $384 | $4,608 |
Georgia | $244 | $2,931 |
Hawaii | $192 | $2,306 |
Idaho | $171 | $2,057 |
Illinois | $183 | $2,193 |
Indiana | $194 | $2,333 |
Iowa | $174 | $2,086 |
Kansas | $244 | $2,924 |
Kentucky | $305 | $3,655 |
Louisiana | $369 | $4,423 |
Maine | $150 | $1,796 |
Maryland | $247 | $2,958 |
Massachusetts | $337 | $4,043 |
Michigan | $434 | $5,204 |
Minnesota | $211 | $2,528 |
Mississippi | $217 | $2,603 |
Missouri | $249 | $2,992 |
Montana | $237 | $2,848 |
Nebraska | $223 | $2,679 |
Nevada | $343 | $4,112 |
New Hampshire | $174 | $2,088 |
New Jersey | $344 | $4,127 |
New Mexico | $227 | $2,720 |
New York | $239 | $2,863 |
North Carolina | $230 | $2,756 |
North Dakota | $203 | $2,431 |
Ohio | $195 | $2,341 |
Oklahoma | $256 | $3,066 |
Oregon | $245 | $2,945 |
Pennsylvania | $235 | $2,820 |
Rhode Island | $217 | $2,605 |
South Carolina | $208 | $2,496 |
South Dakota | $275 | $3,300 |
Tennessee | $186 | $2,227 |
Texas | $280 | $3,365 |
Utah | $238 | $2,855 |
Vermont | $143 | $1,722 |
Virginia | $220 | $2,636 |
Washington | $185 | $2,226 |
Washington, D.C. | $270 | $3,235 |
West Virginia | $266 | $3,195 |
Wisconsin | $210 | $2,516 |
Wyoming | $192 | $2,305 |
Read More: How Much Does Car Insurance Increase After an Accident?
As the least influential out of the cost factors we analyze, we found that drivers with speeding tickets can expect prices to be about 25% higher on average compared to those with no violations. See car insurance quotes below for regional and national providers:
Car Insurance Provider | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate | Visit Review |
Nationwide | $157 | $1,878 | Learn More |
Geico | $178 | $2,137 | Learn More |
State Farm | $156 | $1,872 | Learn More |
Travelers | $164 | $1,970 | Learn More |
Progressive | $212 | $2,541 | Learn More |
AAA Insurance | $297 | $3,560 | Learn More |
Allstate | $251 | $3,012 | Learn More |
Farmers Insurance | $347 | $4,166 | Learn More |
USAA | $152 | $1,828 | Learn More |
Erie | $141 | $1,690 | Learn More |
Auto-Owners Insurance | $180 | $2,159 | Learn More |
American Family Insurance | $194 | $2,333 | Learn More |
Mercury Insurance | $319 | $3,830 | Learn More |
Safety Auto Insurance | $98 | $1,177 | Learn More |
State-by-state car insurance prices for those with speeding tickets are provided below:
State | Average Monthly Full-Coverage Rate | Average Annual Full-Coverage Rate |
Alabama | $175 | $2,096 |
Alaska | $164 | $1,971 |
Arizona | $222 | $2,669 |
Arkansas | $216 | $2,593 |
California | $275 | $3,298 |
Colorado | $217 | $2,601 |
Connecticut | $191 | $2,293 |
Delaware | $279 | $3,344 |
Florida | $337 | $4,043 |
Georgia | $195 | $2,344 |
Hawaii | $162 | $1,942 |
Idaho | $148 | $1,773 |
Illinois | $159 | $1,908 |
Indiana | $175 | $2,097 |
Iowa | $157 | $1,888 |
Kansas | $194 | $2,324 |
Kentucky | $248 | $2,973 |
Louisiana | $309 | $3,712 |
Maine | $134 | $1,609 |
Maryland | $189 | $2,265 |
Massachusetts | $254 | $3,052 |
Michigan | $467 | $5,606 |
Minnesota | $189 | $2,272 |
Mississippi | $174 | $2,093 |
Missouri | $207 | $2,490 |
Montana | $201 | $2,414 |
Nebraska | $187 | $2,241 |
Nevada | $288 | $3,461 |
New Hampshire | $134 | $1,614 |
New Jersey | $278 | $3,342 |
New Mexico | $193 | $2,317 |
New York | $209 | $2,505 |
North Carolina | $204 | $2,446 |
North Dakota | $190 | $2,274 |
Ohio | $163 | $1,955 |
Oklahoma | $228 | $2,739 |
Oregon | $207 | $2,480 |
Pennsylvania | $189 | $2,269 |
Rhode Island | $256 | $3,072 |
South Carolina | $197 | $2,362 |
South Dakota | $228 | $2,740 |
Tennessee | $155 | $1,857 |
Texas | $220 | $2,637 |
Utah | $194 | $2,325 |
Vermont | $115 | $1,383 |
Virginia | $181 | $2,172 |
Washington | $162 | $1,939 |
Washington, D.C. | $219 | $2,626 |
West Virginia | $227 | $2,722 |
Wisconsin | $172 | $2,064 |
Wyoming | $188 | $2,259 |
Read more: How Does a Speeding Ticket Affect Your Car Insurance?
Due to vehicle reliability rankings and repair and replacement costs, you can expect car insurance rates to vary widely. Having a reliable car with inexpensive repair costs can help you avoid higher premiums.
Below, you can compare car insurance rates for 2023 models of the 25 most popular vehicle brands in the U.S.:
Vehicle Make | Monthly Averagefor 2023 Models | Annual Averagefor 2023 Models |
Mini | $184 | $2,209 |
Subaru | $187 | $2,238 |
Acura | $189 | $2,268 |
Mazda | $189 | $2,271 |
Volkswagen | $190 | $2,283 |
Buick | $193 | $2,310 |
Hyundai | $195 | $2,343 |
Honda | $196 | $2,352 |
Toyota | $196 | $2,352 |
Jeep | $197 | $2,360 |
GMC | $198 | $2,380 |
Kia | $199 | $2,387 |
Chevrolet | $204 | $2,449 |
Nissan | $204 | $2,450 |
Ford | $209 | $2,504 |
Cadillac | $235 | $2,822 |
Lincoln | $236 | $2,828 |
Volvo | $237 | $2,845 |
Chrysler | $238 | $2,851 |
Infiniti | $247 | $2,958 |
Lexus | $269 | $3,222 |
Dodge | $271 | $3,250 |
Mercedes | $290 | $3,480 |
Jaguar | $296 | $3,550 |
Alfa-Romeo | $303 | $3,641 |
Read more: Cheapest Cars to Insure
Read more: Most Expensive Cars to Insure
Car insurance rates vary widely by provider. The table below shows the cost and discounts rating for top providers given by our editorial team, along with the average full-coverage cost.
Car Insurance Provider | Cost and Discounts Rating | Average Annual Full-Coverage Cost |
Erie Insurance | 9.9 | $1,458 |
Travelers Insurance | 9.8 | $1,595 |
USAA Insurance | 9.7 | $1,512 |
Nationwide Insurance | 9.7 | $1,433 |
American Family Insurance | 9.5 | $1,851 |
Costco Insurance | 9.5 | $1,851 |
State Farm Insurance | 9.3 | $1,657 |
Geico Insurance | 9.1 | $1,596 |
Auto-Owners Insurance | 8.6 | $1,619 |
Progressive Insurance | 7.8 | $2,030 |
Allstate Insurance | 7.4 | $2,598 |
Farmers Insurance | 7.4 | $3,169 |
Safety Insurance | 7.4 | $1,177 |
Kentucky Farm Bureau Insurance | 7.1 | $2,816 |
The Hartford Insurance | 7 | $2,715 |
Mercury Insurance | 7 | $2,980 |
You can find the best car insurance quotes nationally with Travelers, Nationwide, State Farm, Geico and USAA. However, the most affordable company differs by state. See the most affordable provider in each state below:
State | Car Insurance Company | Average Annual Minimum-Coverage Rates | Average Annual Full-Coverage Rates |
Alabama | Travelers | $370 | $1,332 |
Alaska | Geico | $323 | $1,020 |
Arizona | Geico | $373 | $1,173 |
Arkansas | State Farm* | $293 | $1,346 |
California | Geico | $373 | $1,837 |
Colorado | Geico | $337 | $1,306 |
Connecticut | Geico | $445 | $995 |
Delaware | Travelers | $614 | $1,554 |
Florida | State Farm | $650 | $1,813 |
Georgia | Country Financial | $373 | $1,553 |
Hawaii | Geico | $287 | $1,162 |
Idaho | State Farm | $222 | $881 |
Illinois | Pekin | $268 | $792 |
Indiana | State Farm* | $322 | $1,272 |
Iowa | Pekin | $169 | $816 |
Kansas | Geico | $258 | $1,263 |
Kentucky | Geico | $429 | $1,583 |
Louisiana | Southern Farm Bureau | $492 | $1,926 |
Maine | Auto-Owners | $268 | $758 |
Maryland | Geico* | $508 | $1,245 |
Massachusetts | Farmers | $495 | $2,006 |
Michigan | Auto-Owners* | $500 | $2,526 |
Minnesota | State Farm | $351 | $1,340 |
Mississippi | Progressive* | $318 | $1,212 |
Missouri | Travelers* | $469 | $1,477 |
Montana | Progressive | $236 | $972 |
Nebraska | Nationwide | $362 | $1,332 |
Nevada | State Farm | $513 | $1,376 |
New Hampshire | Auto-Owners | $264 | $833 |
New Jersey | Geico | $633 | $1,472 |
New Mexico | Central Insurance* | $236 | $1,358 |
New York | Progressive | $579 | $1,302 |
North Carolina | Erie Insurance | $307 | $1,043 |
North Dakota | State Farm* | $285 | $1,496 |
Ohio | Nationwide | $333 | $825 |
Oklahoma | State Farm* | $273 | $1,502 |
Oregon | State Farm | $557 | $1,210 |
Pennsylvania | Travelers | $249 | $907 |
Rhode Island | Travelers* | $593 | $1,806 |
South Carolina | Geico | $468 | $1,452 |
South Dakota | Geico | $468 | $1,452 |
Tennessee | Auto-Owners | $232 | $1,240 |
Texas | Texas Farm Bureau | $374 | $1,205 |
Utah | Geico | $482 | $1,129 |
Vermont | Union Mutual | $180 | $708 |
Virginia | State Farm | $330 | $1,185 |
Washington | Pemco* | $283 | $1,356 |
Washington, D.C. | Geico | $483 | $1,579 |
West Virginia | Nationwide* | $409 | $1,242 |
Wisconsin | Geico | $277 | $1,059 |
Wyoming | State Farm* | $257 | $1,505 |
Read more: Cheapest Car Insurance Companies
When you are evaluating auto insurance quotes, there is more than just price to consider. For our auto insurance study, our team compared the top insurance companies on their industry reputation, customer service, availability and coverage offerings in addition to cost. To ensure you end up with a provider that suits your needs, you should too.
Overall Rating | Provider | Industry Standing | Availability | Coverage | Costs and Discounts | Customer Experience | 2024 Award |
---|---|---|---|---|---|---|---|
9.5 | Travelers | 9.0 | 10.0 | 9.8 | 9.8 | 8.7 | Best for Most Drivers |
9.4 | State Farm | 10.0 | 9.8 | 9.2 | 9.3 | 9.3 | Best Customer Experience |
9.4 | Erie | 8.9 | 8.1 | 10.0 | 9.9 | 9.1 | Best for Basic Insurance Coverage |
9.2 | USAA | 8.9 | 8.0 | 9.5 | 9.7 | 8.9 | Best for Military Members |
9.1 | Nationwide | 8.5 | 9.8 | 8.9 | 9.7 | 8.9 | Best for Usage-Based Insurance |
9.1 | American Family | 8.4 | 8.1 | 9.4 | 9.5 | 9.2 | Best for Family Policies |
9.1 | Geico | 9.7 | 10.0 | 8.4 | 9.1 | 8.8 | Best for Budget-Conscious Drivers |
9.0 | Progressive | 9.5 | 10.0 | 9.5 | 7.8 | 8.7 | Best for Tech-Savvy Drivers |
9.0 | Liberty Mutual | 8.9 | 10.0 | 9.5 | 9.0 | 8.2 | Good Programs for Young Drivers |
8.9 | Country Financial | 8.8 | 8.1 | 8.9 | 9.7 | 8.4 | Best for High-Risk Drivers |
8.9 | Auto-Owners | 9.1 | 8.3 | 9.4 | 8.6 | 8.3 | Best for Young Drivers |
There are plenty of places to get quotes from. Depending on your driving record, preferences and where you live, the best auto insurance rates for you may come from someone outside of our top 10 list above. See our full list of providers and their overall ratings in the table below. You can click the name of the provider to read our full-length review.
See head-to-head comparisons of top providers below:
Comparison | Bottom Line |
Geico vs. Progressive | Progressive has more coverage options and Geico has lower average rates. |
State Farm vs. Geico | Geico has more discounts and State Farm has higher claims satisfaction ratings. |
Allstate vs. Progressive | Progressive has more coverage offerings while Allstate has better claims satisfaction ratings. |
USAA vs. Geico | USAA has higher coverage ratings and Geico has higher availability ratings. |
Allstate vs. Geico | Allstate has slightly higher coverage ratings and Geico is a better provider overall. |
AAA vs. Geico | Geico is available in every state, while AAA car insurance is only available through one of its member clubs. |
Allstate vs. State Farm | State Farm offers more affordable policies while Allstate has more coverage options. |
Farmers vs. State Farm | Farmers has more coverage options and State Farm offers more affordable policies. |
Farmers vs Geico | Farmers has more discounts and Geico has lower average rates. |
Liberty Mutual vs. Allstate | Liberty Mutual has more coverage options while Allstate is generally cheaper. |
Liberty Mutual vs. Geico | Liberty Mutual offers more discount opportunities and Allstate has cheaper premiums on average. |
Liberty Mutual vs. Progressive | Liberty Mutual tends to be a cheaper option but Progressive offers better customer service. |
Liberty Mutual vs. State Farm | State Farm has lower average rates for drivers, while Liberty Mutual provides strong programs for young drivers. |
Progressive vs. State Farm | State Farm has more affordable rates, but Allstate received higher scores for availability from our team. |
State Farm vs. Nationwide | Nationwide is generally more affordable but State Farm has stronger customer service scores. |
USAA vs. Progressive | USAA has better customer service scores, but Progressive offers more availability to drivers. |
USAA vs. State Farm | USAA has strong customer service and industry study scores, while State Farm offers more discount opportunities and availability. |
Read more: Best Car Insurance Companies
When comparing car insurance, you should know how to get free quotes, what coverage you need and what affects your rates. Below, we’ll go into more depth on each of these subjects and give you tips for getting affordable rates.
Below are the eight steps you should take when comparing car insurance quotes:
Whenever you get a car insurance quote, you’ll have to share information about each driver in the household. This includes the following:
Be aware that you could lose some discounts later if the information you provided was inaccurate. For example, a usage-based program may reveal that you drive more miles than you estimated, and you could lose your low annual mileage discount.
The value of your coverage, your loan status and other personal factors will help determine what you need beyond minimum-liability insurance. In most cases, we recommend that you get full-coverage car insurance if you can afford it. However, Elaine Luther, a professor of business management at Point Park University says it boils down to the level of risk you are comfortable with.
Read more: How Much Car Insurance Do I Need?
A rate comparison can help you determine whether a specific car insurance quote is actually a good deal. If you get a quote from just one company, you risk overpaying. The only way to make sure you’re paying the right amount is to compare car insurance rates from multiple providers.
Once you have your information ready and know what you’re looking for, you can start shopping for car insurance quotes using these methods:
Direct online quote | You can get free, instant quotes directly on many provider’s websites. In our recent survey of 1,000 policyholders, this was the most popular method, with about 37% of respondents stating they got online quotes from individual companies. |
Online quote comparison tool | You can also use an online quote comparison tool, such as the one below this table, to get and compare multiple quotes at once. Almost 25% of our survey respondents used this method. |
Quote by phone | You can call individual auto insurance providers and receive quotes over the phone. This can give you a more personalized service experience and help you gauge a company’s customer care. Insurance agents generally help you pick out a policy and make sure you’re getting all eligible auto insurance discounts. Our survey showed that 21% preferred calling companies directly. |
Car insurance broker | Give your information to an agent or a broker who will shop around and get quotes for you. A broker works as a middleman between insurers and customers to get you the best deal. Overall, this can be more expensive than contacting a company directly, but it’s a hands-off way of shopping that gives you personalized service. Our survey showed that this was the least popular method of comparing car insurance, with just 15% reporting that they used it. |
In-person quote | You can also visit your local insurance office to get a quote. This is a good option for those who prefer in-person service. Be prepared to bring necessary documents with you. |
After you’ve considered the different types of companies to compare, it’s best to research the ins and outs of insurance policies from different options. Emily Goenner, an assistant teacher of business communications at St. Cloud State University recommends the following:
“Research is the best way to prepare to select an auto insurance policy. Research each company you are considering. Some independent consumer protection organizations will provide fair information about companies. Consider these independent ratings in addition to customer reviews.
Next, contact agents from different companies and talk with them. Ask about discounts for ‘smart’ tools like apps or trackers you might place in your car to demonstrate your driving. Ask about other discounts you might qualify for. Ask about coverage and deductibles, what other steps you might take to reduce your premiums. Be sure to carefully read the policies the agents propose before you agree to purchase them.”
If you’re a good driver and don’t use your vehicle often, you can find lower rates with a usage-based or pay-per-mile car insurance provider. As the name suggests, you’ll receive rates based on your driving habits through a monitoring app or a plug-in to your car. While it may be uncomfortable to have your driving tracked, it is still a worthwhile consideration if you are a low-mileage driver and want low rates.
Read more: What is Usage-Based Insurance?
Read more: Best Pay Per Mile Car Insurance
Once you’re armed with all the information you need, you can begin getting quotes from multiple companies. Prachi Gala, an assistant teacher of marketing at Kennesaw State University recommends looking at how deductibles and coverage affect costs while measuring against your budget constraints, as well as assessing insurer’s reputations, financial stability and policy extras. “Lastly,” she says, “Check customer reviews and seek recommendations to guage overall satisfaction with the insurer’s services.” Once you have plenty of quotes, you should compare pricing along with the pros and cons of each insurer.
When you’re happy with the coverage and pricing you’ve found, you can purchase that policy online, over the phone or in person. You can get same day car insurance after you make the first payment, or schedule it to start on a future date. Be sure to overlap your new car insurance policy with your current coverage by one day to avoid any lapse in coverage.
We recommend getting multiple quotes each time your auto policy is up for renewal and repeating the steps above. Auto insurance rates fluctuate depending on a variety of factors, so your company may not be the best fit as soon as six months have passed.
It can also be good to shop for auto insurance if you experience a significant life event or if something changes, such as:
Read more: How to Shop for Car Insurance
Car insurance can cover you up to a certain limit for injuries or damages due to accidents or environmental hazards. It’s essentially the opposite of an extended car warranty, which only covers you for breakdowns from vehicle malfunction.
There are many coverage options to compare and choose from so below we’ve broken down the basic types and add-on policies.
The six main types of car insurance coverage are described below:
Type of Coverage | Description |
Liability | This is split into bodily liability (BI), which pays for medical expenses and property damage liability (PD) which covers damaged property when you’re at fault. |
Collision | This type of coverage adds to liability coverage by paying for damages to your vehicle or replacements from an accident or road hazard, regardless of who’s at fault. |
Comprehensive | Comprehensive protection covers items such as theft, animal and environmental damage. |
Medical payment (MedPay) | Medical bills and final expenses of your or your passengers in an accident are covered under MedPay. |
Personal injury protection (PIP) | PIP covers the same things as MedPay, but can also include lost wage protection. |
Underinsured/uninsured motorist | This covers you in the case you get into an accident with someone who has too little coverage or none at all. |
In addition to the basic coverages mentioned above, there are options for pay-per-mile car insurance. This coverage determines your premiums based on your driving habits including mileage, speed, braking and phone usage through either an app or plug-in device for your vehicle. These can offer the same coverage as traditional plans and tend to be much more affordable if you’re a low-mileage driver with a good driving record.
While the basic types of car insurance can provide you most of the coverage you need, there are other options for additional protection:
Read more: What Does Car Insurance Cover?
The state in which you live plays a pivotal role in your car insurance premiums. This is due to differences in local insurance regulations and the presence of certain risk factors specific to an area. Over the last year, most states in the U.S. have seen an increase to their average auto insurance rates. Hover over the map below to compare car insurance rate changes and the average full coverage and minimum liability coverage rate estimates for each state.
Ultimately, car insurance rates are based on the likelihood that a company will have to pay out claims on your behalf. The more financial risk you represent, the more you’ll have to pay for auto insurance.
Here are the main factors used to determine auto insurance quotes simplified:
Car Insurance Rate Factor Category | Car Insurance Rate Factors | How They Affect Costs |
Driver Information | Age, marital status, gender, driving history and credit history | Each of these factors has different rates of risk for insurers, causing rates to be higher or lower. |
Vehicle Details | Age, model, make and mileage | Newer and less-used vehicles are more reliable and less likely to cause an accident. Certain makes are also more reliable than others and cost more to replace and repair. |
Location | City and state | Densely populated areas have higher rates of accidents, vehicle theft and vandalism, so people in these locations generally pay more. |
Read more: 10 Factors That Affect Car Insurance Rates
Below we’ve detailed discounts available for auto policies to decrease costs:
Read more: Car Insurance Discounts
In this review, we compared insurance rates and went over the steps that go into getting an auto insurance quote. What you pay for coverage can vary significantly between providers — that’s why it’s important to compare car insurance rates from multiple companies each time you shop.
You can use a free price comparison tool such as the one below to get quotes from major insurers including State Farm, Travelers and Geico with our partner Everquote.
Below are common frequently asked questions about comparing car insurance quotes:
You can expect Geico and Nationwide to have some of the cheapest car insurance rates on the market. Geico has the cheapest average minimum liability car insurance at an average rate of $38 per month while Nationwide has the cheapest full coverage at $119 per month.
“When comparing prices, make sure that you are comparing apples to apples. You may have one insurer who tells you that they can save you money on the premium but does so by reducing coverage.”
– Steven Gattuso, assistant professor of economics and finance at Canisius University
We recommend choosing full-coverage car insurance (liability plus comprehensive and collision) and high limits of $100,000 per person and $300,000 per accident. Minimum coverage may be more affordable, but it doesn’t cover damages to your car or injuries if you cause an accident. Ultimately, the best auto coverage for you depends on your needs, budget and preferences.
“When comparing car insurance quotes, there are several major factors to consider but they vary amongst consumers. Unless money is no object, price should be paramount. But drivers should also consider customer service, helpful apps and the flexibility of making a claim.”
Angelo DeCandia, MBA, instructor of business at Touro University
Based on our cost research, Allstate has some of the highest average car insurance rates in the nation, costing $2,598 per year on average for a full-coverage auto insurance policy. But prices vary by the individual, meaning your quotes will differ from others’ based on your driver profile and provider.
“Major factors that drivers should consider when comparing car insurance quotes are the types of coverage (including liability, collision, comprehensive and uninsured motorist coverage), policy limits, deductibles, an insurer’s financial strength and the quality and reputation of its claims service.”
Jeungbo Shim, Ph.D., associate professor in the risk management and insurance program at the University of Colorado Denver
Due to the pressure put on businesses during COVID-19, prices have skyrocketed to offset the costs of limited activity and supply chain issues. This has pushed the prices of goods overall higher in all sectors, making the overall cost of living, including insurance costs grow at unprecedented rates.
We interviewed Stephen Yao, an expert of insurance and risk management and this was his take on the trend:
“Once inflation is reflected in the general price levels, prices tend to stay at a higher level,” he said. “Even [a] lower inflation rate still means price levels continue to increase.”
Angelo DeCandia, MBA, instructor of business at Touro University says, “All drivers would benefit greatly from taking the time to understand the basic types of car insurance available. Always consider the three most important distinctions:
Comprehensive coverage: Sometimes the damage to your vehicle is not the result of a collision, but something else entirely. Maybe a tree fell on your car, or it was vandalized or even worse, stolen, well that’s where comprehensive [coverage] comes into play.”
“Selecting car insurance is not a simple decision,” says Luther. “It requires an understanding of the car insurance industry and how it sets rates, your state’s regulations, coverage requirements and options and of course annual costs. It also requires research into the reputation and reliability of individual car insurers. But ultimately, it requires an assessment of what you can afford and what level of risk and/or protection you are comfortable with.”
There are several things you can do to try to keep your auto insurance premiums down. Here’s what Goenner recommends:
“Try to maintain a safe driving record and good credit scores. Insurance companies consider both factors when preparing quotes. When researching companies, watch for discounts you may qualify for — such as military, good student and more. Finally, shop often. You may qualify for new discounts or changes in company ratings, so be sure to review your policies annually.”
Our website offers a tool higher up on the page that allows you to source several quotes at once in exchange for information about you and your vehicle. However, this isn’t your only option.
“There are many online resources that provide you with the most major changes, help you compare multiple insurance policies and provide you with the gist of everything you need to know about insurance policies.”
— Dr. Kunter Gunasti, associate professor of marketing and international business at Washington State University
An auto insurance premium is the rate you’ll pay for coverage over a certain period of time. It’s usually expressed as either a monthly rate or a total price for a six-month or one-year period.
No, shopping for car insurance shouldn’t usually hurt your credit. Insurance companies may look up your credit score during the quote process, but they typically use soft credit pulls that don’t affect your report. You can look up insurance quotes without your credit being affected.
It’s usually more expensive to have business car insurance because the minimum limits are greater than standard car insurance limits. If you use your car for business, you should have a business car insurance policy. With standard policies, companies often exclude coverage during commercial use.
You can purchase auto insurance coverage without a driver’s license. However, many insurers ask for driver’s license information as part of the quote process, and you may be turned down if you can’t provide any details.
Here are the factors our ratings take into account:
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Our credentials:
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.