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Every driver needs car insurance to protect them on the road, but not all coverage is created equal. Policygenius can help you find auto insurance that meets your needs, at a price that works for you. 

Give us the basics, like your age and the kind of car you drive, and we’ll show you options from top car insurance companies in a few easy steps. Just choose the policy that works best for you and get covered.

We don't sell your information to third parties.

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Car insurance that’s got your back

Auto insurance is made up of different types of protection, from coverage for damage you cause in an accident to coverage that pays to replace your totaled car with a brand new one.

Policygenius can help you find the car insurance you need, whatever that means for you. Some drivers may want to prioritize robust protection, while others value affordability over everything else. 

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Expert tips on choosing the right coverage

“Drivers need much more than the minimum amount of car insurance required in their state. Getting more liability coverage now means that if you’re ever in an accident, you don’t have to worry about being on the hook for the other driver’s expenses.”

Rachael Brennan, Licensed Insurance Expert

No matter what you’re looking for, we’ll help you get what you need to hit the road with confidence.

→ Skip ahead to read about finding the right coverage

We’ve saved customers an average of $435 a year on auto insurance 

That’s the beauty of shopping around. We make it easy to see your car insurance options, so you can choose a company that offers you the coverage you need at a price that makes you happy. 

When you shop for car insurance through Policygenius, we’ll show you choices from top companies. All you have to do is pick the one that offers you the right protection at the best rates.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

→ Skip ahead to read about car insurance costs

Car insurance shopping made easy

When you shop for car insurance with Policygenius, we’ll use the basic info you share to show you the best car insurance companies for your needs. All we need from you is some answers about:

Disability

You

Simple details like your age, ZIP code and driving history help us find the best options for you.

Auto

Your car

Drive a newer car with updated safety features? That could save you money.

Policy

Your coverage

Choose the types of coverage you want (remember, higher limits means more protection).

Not sure exactly how much coverage you need? We’ll help you figure it out based on what matters most to you, whether it’s getting the maximum amount of protection or finding your most affordable rates. 

And if you have a current car insurance policy, we can help you get the exact same amount of coverage you have now. Once you’ve filled out some info, we’ll show you options from top car insurance companies that match what you’re looking for.

→ Skip ahead to read about how to get a car insurance quote

Why do you need car insurance?

Auto insurance is essential financial protection for every car owner. It’s mandatory in almost every state, but most drivers need more than just what’s required by law in order to be fully protected.

Car insurance steps in to cover the costs if you cause an accident and have to pay for the other driver’s repair bills or medical expenses. Your car insurance can also pay to repair or replace your own car if it’s damaged or stolen, and can even cover the costs of a rental while your vehicle is in the shop.

→ Learn more about what car insurance is and why it’s important 

What does car insurance cover?

A car insurance policy is made up of different types of coverage that provide different forms of protection.

Some of these may be required in your state, while others are always optional, but when people talk about a full-coverage car insurance policy they’re talking about a policy that includes:

Bodily injury liability

Covers medical bills for the other driver or their passengers when you cause an accident

More on bodily injury liability

Property damage liability

Pays for the other driver’s car repairs when you’re responsible for an accident

More on property damage liability

Personal Injury Protection

Covers the costs of your own injuries after an accident, regardless of who was at fault More on personal injury protection 

Uninsured & underinsured motorist coverage

Covers the costs when you’re in an accident caused by a driver without insurance (or without enough insurance)

More on uninsured & underinsured motorist coverage

Collision coverage

Pays to repair or replace your own car after an accident, even if you were the one at fault

More on collision coverage

Comprehensive coverage

Pays to repair or replace your car after any damage not caused by a collision

More on comprehensive coverage

→ Learn more about what car insurance covers

How much does car insurance cost?

The average cost of car insurance is $1,652 per year, but rates depend, in large part, on where you live. For example in Florida the most expensive state for car insurance — a full coverage policy is $1,905 more expensive per year than it is in North Carolina.

Auto insurance is usually more expensive in states with higher numbers of uninsured drivers and more cars on the road. The amount of coverage required in your state also affects how much you pay.

Car insurance rates by state

StateAverage annual cost
Alabama$1,726
Alaska$1,345
Arizona$1,565
Arkansas$1,772
California$1,857
Colorado$1,751
Connecticut$1,790
Delaware$2,110
District of Columbia$1,796
Florida$2,914
Georgia$1,710
Hawaii$1,200
Idaho$1,109
Illinois$1,403
Indiana$1,219
Iowa$1,152
Kansas$1,604
Kentucky$2,158
Louisiana$2,906
Maine$1,147
Maryland$1,798
Massachusetts$1,614
Michigan$2,377
Minnesota$1,418
Mississippi$1,674
Missouri$1,568
Montana$1,888
Nebraska$1,735
Nevada$2,137
New Hampshire$1,224
New Jersey$2,259
New Mexico$1,480
New York$2,172
North Carolina$1,009
North Dakota$1,397
Ohio$1,038
Oklahoma$1,928
Oregon$1,461
Pennsylvania$1,605
Rhode Island$1,860
South Carolina$1,864
South Dakota$1,618
Tennessee$1,329
Texas$1,840
Utah$1,503
Vermont$1,124
Virginia$1,314
Washington$1,651
West Virginia$1,681
Wisconsin$1,062
Wyoming$1,398

Average rates for male and female drivers ages 30, 35, and 45. Rates provided by Quadrant Information Services. Rates provided are a sample of costs. Your actual quotes may differ.

Average car insurance rates also vary from city to city, even within the same state. Drivers pay more in densely populated areas, where more cars on the roads means more accidents. Rates of car theft or vandalism in your city will also affect how much you pay for car insurance.  

Car insurance rates by city

CityAverage annual cost
Abilene, TX$1,665
Albany, NY$1,593
Albuquerque, NM$1,711
Alexandria, VA$1,452
Amarillo, TX$1,929
Anchorage, AK$1,601
Arlington, TX$1,926
Athens, GA$1,567
Atlanta, GA$2,137
Augusta, GA$1,908
Austin, TX$1,856
Bakersfield, CA$1,953
Baltimore, MD$2,956
Baton Rouge, LA$3,490
Beaumont, TX$1,529
Bellevue, WA$1,897
Billings, MT$1,853
Birmingham, AL$1,971
Blue Springs, MO$1,568
Boston, MA$2,053
Bowling Green, KY$1,584
Brownsville, TX$2,113
Buffalo, NY$1,328
Charleston, SC$1,864
Charlotte, NC$1,179
Chattanooga, TN$1,276
Chicago, IL$2,040
Chula Vista, CA$1,812
Cleveland, OH$1,227
Colorado Springs, CO$1,980
Columbia mo, MO$1,431
Columbia sc, SC$1,864
Columbus Ga, GA$1,729
Columbus Oh, OH$1,038
Corpus Christi, TX$1,840
Cumming, GA$1,961
Dallas, TX$2,192
Dayton, OH$1,117
Denver, CO$2,049
Detroit, MI$5,357
Dothan, AL$1,546
El Paso, TX$1,821
Fargo, ND$1,210
Farmington, NM$1,329
Fayetteville, NC$1,682
Flint, MI$2,995
Fort Myers, FL$2,598
Fort Wayne, IN$1,219
Fort Worth, TX$1,910
Fredericksburg, TX$1,751
Fresno, CA$2,438
Gainesville, FL$2,283
Grand Rapids, MN$1,418
Greeley, CO$1,678
Greensboro, NC$1,032
Henderson, NV$2,447
Honolulu, HI$1,200
Houston, TX$2,245
Huntsville, AL$1,708
Indianapolis, IN$1,322
Jackson, TN$1,362
Jacksonville, FL$2,832
Jonesboro, AR$1,737
Kansas City, MO$1,808
Killeen, TX$1,529
Knoxville, TN$1,278
Lafayette, LA$3,010
Lakeland, FL$2,780
Lakewood, CO$1,751
Lansing, MI$2,215
Laredo, TX$1,823
Las Cruces, NM$1,346
Las Vegas, NV$2,806
Lexington, KY$1,678
Lincoln Ne, NE$1,505
Little Rock, AR$1,994
Loganville, GA$1,842
Longview, TX$1,804
Los Angeles, CA$2,642
Louisville, KY$2,420
Lubbock, TX$1,805
Macon, GA$1,838
Madison, WI$1,062
Manhattan ks, KS$1,604
Martinsburg, WV$1,432
Melbourne, FL$2,426
Memphis, TN$1,700
Mesa, AZ$1,701
Miami, FL$4,222
Midland, TX$1,676
Milwaukee, WI$1,490
Minneapolis, MN$1,858
Montgomery, AL$1,741
Mooresville, NC$1,009
Murfreesboro, TN$1,273
Murrieta, CA$1,768
Naples, FL$2,431
Nashville, TN$1,407
New Orleans, LA$4,508
New York City, NY$4,822
Ocala, FL$2,914
Odessa, TX$1,795
Oklahoma City, OK$1,928
Olathe, KS$1,477
Omaha, NE$1,786
Orlando, FL$3,060
Palm Coast, FL$2,914
Palmdale, CA$2,114
Park Ridge, NJ$2,019
Pensacola, FL$2,686
Peoria, IL$1,357
Philadelphia, PA$2,964
Phoenix, AZ$1,988
Plano, TX$1,899
Portland, OR$1,461
Pueblo, CO$2,015
Raleigh, NC$1,019
Redding, CA$1,509
Reno, NV$1,827
Richmond, VA$1,430
Rochester, NY$1,516
Rockford, IL$1,422
Rockledge, FL$2,914
Sacramento, CA$2,017
Salem Oregon, OR$1,594
Salt Lake City, UT$1,721
San Angelo, TX$1,529
San Antonio, TX$1,951
San Diego, CA$1,775
San Francisco, CA$2,194
San Jose, CA$1,829
Savannah, GA$1,948
Scottsdale, AZ$1,706
Seattle, WA$2,085
Spokane, WA$1,659
Springfield, MO$1,536
St Louis, MO$2,386
Stockton, CA$1,926
Syracuse, NY$1,653
Tallahassee, FL$2,483
Tampa, FL$3,824
Toledo, OH$1,197
Topeka, KS$1,550
Tucson, AZ$1,646
Tulsa, OK$2,231
Tyler, TX$1,821
Valdosta, GA$1,387
Vancouver, WA$1,810
Victoria, TX$1,757
Virginia Beach, VA$1,440
Waco, TX$1,700
Wichita, KS$1,701
Wilmington, NC$994
Yuma, AZ$1,395

Location isn't the only factor that determines how much you pay for car insurance. Your rates are also based on your age, driving record, credit score, the type of car you drive, and any past claims or gaps in your insurance history.

→ Learn more about how much car insurance costs

Bundling auto and home insurance

One of the best ways to save money on insurance is to bundle your auto and home policies together, which just means getting both policies from the same company. 

Customers who reshopped their home and auto insurance with Policygenius saved an average of $1,250 a year — and there are other perks to bundling home and auto together with one company besides saving money.

  • Simpler bill-paying: When you get your home and auto insurance from the same company, you can usually combine your insurance payments into one monthly bill.

  • Easier claim filing: If your home and car are damaged in the same event (like a hurricane), filing a claim on both at once is simple, and you may only have to pay one deductible. 

Ready to bundle home and auto insurance?

Get quotes

Save with auto insurance discounts

All major car insurance companies offer discounts that can help drivers lower their rates. Some discounts are based on things about you, like being a safe driver or being in the military, while others are for having certain features in your car, like a GPS tracker. 

Bundling your auto and home policies together usually earns you a big discount, but here are other ways drivers can save on car insurance:

  1. Drive safely. Any recent accidents or violations, like a speeding ticket or a DUI, will mean higher car insurance rates, while drivers with a clean driving record can earn significant savings. 

  2. Take a defensive driving class. Most companies offer discounts for drivers who have recently taken a defensive or safe driving course from an accredited instructor, like your state’s DMV.

  3. Be a member of an affiliated organization. Insurance companies partner with different types of organizations to offer cheaper coverage to members. You may be able to get an affiliation discount through your workplace or university, or if you’re involved in professional or academic organizations, like a fraternity or sorority.

  4. Sign up for usage-based discounts. Most big car insurance companies offer usage-based, or “telematics,” discounts. If you sign up, your insurance company will monitor your driving through an app or a plug-in device, and then lower your rates if you demonstrate safe driving habits. 

  5. Insure more than one car on the same policy. If you’ve got multiple cars, insuring them all on the same policy can save you money.

  6. Stay with the same insurer. If you’re already getting the lowest rates available and you’re happy with your car insurance, staying with the same insurance company can mean a loyalty bonus every time you renew your policy. 

  7. Drive a safe car. Driving a car with updated safety tech could earn you lower rates. You can usually earn a discount if your car has anti-lock brakes, brake assist, responsive headlights, lane departure guidance, or an anti-theft device.

  8. Switch to automatic payments. Most car insurance companies offer a small discount for opting-in to automatic or electronic bill-paying. 

  9. Pay in full. You’ll save money if you pay for your car insurance policy all at once at the start of the policy term instead of in monthly installments.

  10. Do well in school. Teen drivers or adults who are full time students can usually save on their car insurance costs if they maintain above a certain GPA or earn high scores on standardized tests.

  11. Own your home. Homeowners usually save on car insurance, even if you don’t get your home and auto insurance from the same company. 

→ Learn about other ways to save on car insurance

How to compare car insurance quotes

The best way to find the cheapest auto coverage is by comparing quotes from more than one car insurance company before you choose a policy. 

Policygenius can help you see options from top companies and compare car insurance quotes in just a few simple steps:

  1. Know the basics. Be prepared with your driver's license and your car’s VIN. If you have an existing car insurance policy, have it handy so you can enter your current coverage levels.

  2. Apply online. Enter your info and answer a few questions about your age, address, vehicle, and driving history. We’ll show you companies that match your coverage needs.

  3. Pick a policy. Choose the option that’s best for you, whether it’s the company that offers you the lowest rates or has the best customer service ratings. Once you pick a policy, set your start date and make your first payment.

  4. Cancel your old policy (if you have one). When your new policy is set up, you can cancel your current one. Make sure to set your old policy to end on the same day your new one starts so you don’t have a lapse in coverage.

→ Learn more about comparing auto insurance quotes

Choosing the best auto insurance company

The best auto insurance companies combine affordable coverage with highly-rated customer service and claims handling. You want to find a car insurance company that will actually be there for you when you need to use your coverage. 

CompanyPolicygenius ratingAverage annual cost
GEICO4.4 out of 5 stars$1,187
Travelers4.3 out of 5 stars$1,580
Amica4.2 out of 5 stars$1,687
Nationwide4.1 out of 5 stars$1,463
Progressive4.1 out of 5 stars$1,758
Allstate4 out of 5 stars$1,974
Safeco4 out of 5 stars$1,405
Erie3.9 out of 5 stars$1,139
Farmers3.9 out of 5 stars$1,934
State Farm3.8 out of 5 stars$1,383

→ Learn more about our picks for the best car insurance companies

Average savings of $435 a year on auto insurance: Savings are determined by calculating the average difference between the lowest and second lowest auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average savings of $1,250 a year on home and auto insurance: Savings calculated by taking the average price savings of in-force Policygenius customers who shared a copy of their prior bundled home and auto coverage with Policygenius and used Policygenius to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.

Getting car insurance quotes is easy with Policygenius

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Answer a few simple questions and you’re on your way to the protection you need to feel confident behind the wheel.

Understand what you need

Once we know a little about you, we’ll help you customize your policy so you’re getting all the coverage you need (and none that you don’t).

See your options right away

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