Compare car insurance rates for October 2022

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Why comparison shopping matters for auto insurance

Buying car insurance doesn’t need to be complicated — remember that comparing quotes from at least a few companies means you'll be able to find the best deal. Policygenius can help you compare auto insurance quotes and find coverage that meets your needs, at a price that works for you.

We’ve saved customers an average of 19% a year on auto insurance

Your car insurance rates are based on things like your age, where you live, and what kind of car you drive. But not all auto insurance companies charge the same rates, so comparing car insurance quotes before you buy a policy can help you save money.

Compare car insurance rates by age and gender

Your age and gender can also have an impact on your car insurance rates. Young and inexperienced drivers often face much higher costs than older drivers. That’s why it’s even more important for young drivers to compare rates before buying car insurance. 

Men sometimes pay slightly more for car insurance than women — although some states have passed laws banning insurance companies from using gender to determine rates.

Company

16-year-old female

16-year-old male

18-year-old female

18-year-old male

21-year-old female

21-year-old male

25-year-old female

25-year-old male

30-year-old female

30-year-old male

35-year-old female

35-year-old male

45-year-old female

45-year-old male

55-year-old female

55-year-old male

Allstate

$8,215

$8,788

$5,015

$5,916

$2,746

$3,134

$2,155

$2,222

$2,012

$1,999

$1,984

$1,971

$1,967

$1,954

$1,819

$1,860

American Family

$4,323

$4,721

$3,059

$3,320

$2,076

$2,227

$1,510

$1,592

$1,457

$1,515

$1,404

$1,452

$1,315

$1,344

$1,260

$1,274

Erie

$2,705

$3,584

$2,357

$2,968

$1,750

$2,170

$1,356

$1,354

$1,224

$1,200

$1,150

$1,127

$1,050

$1,043

$988

$1,004

Farmers

$10,164

$10,812

$7,682

$8,155

$2,655

$2,907

$2,106

$2,201

$1,997

$1,997

$1,958

$1,909

$1,960

$1,844

$1,721

$1,699

GEICO

$4,341

$4,803

$2,911

$3,182

$1,742

$1,825

$1,321

$1,346

$1,197

$1,179

$1,203

$1,174

$1,188

$1,163

$1,105

$1,064

Nationwide

$5,099

$6,111

$4,427

$5,328

$2,279

$2,557

$1,670

$1,784

$1,511

$1,530

$1,492

$1,497

$1,401

$1,410

$1,274

$1,294

Progressive

$9,478

$10,343

$7,138

$7,942

$2,708

$3,054

$1,941

$1,958

$1,861

$1,810

$1,836

$1,752

$1,728

$1,654

$1,509

$1,503

State Farm

$3,422

$4,222

$2,718

$3,327

$1,849

$2,189

$1,298

$1,437

$1,194

$1,194

$1,170

$1,170

$1,155

$1,155

$1,093

$1,093

Travelers

$6,408

$8,022

$3,686

$4,487

$2,143

$2,450

$1,602

$1,658

$1,539

$1,590

$1,515

$1,555

$1,398

$1,433

$1,265

$1,305

USAA

$4,414

$4,792

$2,659

$2,860

$1,506

$1,617

$1,224

$1,286

$1,081

$1,102

$1,037

$1,051

$975

$988

$930

$943

→ Learn more about rates by age and gender

Compare car insurance rates for seniors

Comparing car insurance quotes and shopping around is also important for senior drivers. After around 65 or 70, car insurance rates for older drivers may start going up. For retired seniors who are on a fixed income, comparing costs is an easy way to avoid overpaying.

Our analysis shows that a 70-year-old driver can pay as much as $2,057 per year for car insurance with some companies. But with others, rates may be as low as $1,037 per year — a difference of more than half.

Company

60-year-old female

60-year-old male

65-year-old female

65-year-old male

70-year-old female

70-year-old male

Allstate

$1,815

$1,856

$1,892

$1,935

$1,916

$1,959

American Family

$1,259

$1,266

$1,293

$1,292

$1,383

$1,372

Erie

$1,013

$1,032

$1,057

$1,086

$1,123

$1,153

Farmers

$1,662

$1,685

$1,800

$1,875

$1,909

$2,057

GEICO

$1,098

$1,067

$1,093

$1,073

$1,157

$1,143

Nationwide

$1,250

$1,265

$1,277

$1,319

$1,354

$1,434

Progressive

$1,508

$1,507

$1,550

$1,583

$1,666

$1,705

State Farm

$1,068

$1,068

$1,064

$1,064

$1,107

$1,107

Travelers

$1,270

$1,321

$1,321

$1,388

$1,401

$1,500

USAA

$924

$939

$945

$964

$1,005

$1,037

→ Learn more about car insurance for senior drivers

Compare rates and shop affordable car insurance today

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Compare car insurance rates by state

Car insurance rates vary by state, city, and even ZIP codes. That’s why comparing rates can help you find the cheapest company in your area.

Even if car insurance is normally expensive in your state, you can still save thousands of dollars a year by comparing rates. Some companies in your area may charge much less for coverage than others. 

For example, the difference between the most expensive and cheapest insurance company in Florida — known for high auto insurance rates — is a massive $2,444 per year.

State

Cheapest company

Average cost

Alabama

GEICO

$977

Alaska

USAA

$930

Arizona

Root

$747

Arkansas

USAA

$962

California

Wawanesa

$1,110

Colorado

American National

$811

Connecticut

GEICO

$756

Delaware

State Farm

$1,152

District of Columbia

GEICO

$1,025

Florida

GEICO

$1,432

Georgia

Auto-Owners Insurance

$858

Hawaii

GEICO

$785

Idaho

American National

$498

Illinois

FAIA

$712

Indiana

USAA

$706

Iowa

State Farm

$719

Kansas

USAA

$912

Kentucky

GEICO

$1,019

Louisiana

USAA

$1,486

Maine

GEICO

$571

Maryland

USAA

$806

Massachusetts

GEICO

$1,067

Michigan

GEICO

$1,059

Minnesota

Western Agriculture

$964

Mississippi

USAA

$856

Missouri

USAA

$741

Montana

USAA

$856

Nebraska

Auto-Owners Insurance

$1,036

Nevada

GEICO

$1,043

New Hampshire

USAA

$676

New Jersey

GEICO

$1,078

New Mexico

USAA

$907

New York

Main Street America

$1,033

North Carolina

GEICO

$736

North Dakota

USAA

$786

Ohio

USAA

$711

Oklahoma

USAA

$949

Oregon

State Farm

$843

Pennsylvania

Erie

$1,018

Rhode Island

State Farm

$983

South Carolina

American National

$683

South Dakota

Kemper

$1,128

Tennessee

State Farm

$755

Texas

Texas Farm Bureau

$1,036

Utah

GEICO

$856

Vermont

State Farm

$666

Virginia

USAA

$776

Washington

USAA

$1,033

West Virginia

USAA

$869

Wisconsin

USAA

$680

Wyoming

American National

$763

Some carriers may be represented by affiliates or subsidiaries.

→ Learn more about car insurance costs

Compare car insurance rates by city
CityCompanyCost
Abilene, TXTexas Farm Bureau$1,010
Albany, NYProgressive$823
Albuquerque, NMUSAA$1,004
Alexandria, VAUSAA$875
Amarillo, TXState Farm$1,195
Anchorage, AKUSAA$949
Arlington, TXTexas Farm Bureau$1,121
Athens, GAAuto-Owners Insurace$858
Atlanta, GAAuto-Owners Insurace$858
Augusta, GAAuto-Owners Insurace$858
Austin, TXTexas Farm Bureau$1,153
Bakersfield, CAWawanesa$1,054
Baltimore, MDUSAA$1,127
Baton Rouge, LAUSAA$1,660
Beaumont, TXTexas Farm Bureau$1,160
Bellevue, WAUSAA$1,100
Billings, MTUSAA$866
Birmingham, ALUSAA$1,032
Blue Springs, MOUSAA$746
Boston, MAGEICO$1,106
Bowling Green, KYGEICO$902
Brownsville, TXGermania Insurance$1,233
Buffalo, NYProgressive$1,032
Charleston, SCAmerican National$724
Charlotte, NCGEICO$775
Chattanooga, TNState Farm$750
Chicago, ILAuto-Owners Insurace$1,103
Chula Vista, CAWawanesa$947
Cleveland, OHUSAA$783
Colorado Springs, COAmerican National$905
Columbia, MOUSAA$775
Columbia, SCAmerican National$731
Columbus, GAAuto-Owners Insurace$858
Columbus, OHUSAA$765
Corpus Christi, TXTexas Farm Bureau$1,108
Cumming, GAAuto-Owners Insurace$858
Dallas, TXTexas Farm Bureau$1,343
Dayton, OHUSAA$703
Denver, COAmerican National$969
Detroit, MIUSAA$1,831
Dothan, ALGEICO$868
El Paso, TXTexas Farm Bureau$954
Fargo, NDUSAA$773
Farmington, NMUSAA$892
Fayetteville, NCGEICO$744
Flint, MIGEICO$1,078
Fort Myers, FLGEICO$1,372
Fort Wayne, INUSAA$710
Fort Worth, TXTexas Farm Bureau$1,123
Fredericksburg, TXTexas Farm Bureau$910
Fresno, CAWawanesa$1,040
Gainesville, FLGEICO$1,100
Grand Rapids, MNWestern Agriculture$960
Greeley, COAmerican National$752
Greensboro, NCGEICO$735
Henderson, NVGEICO$1,174
Honolulu, HIGEICO$751
Houston, TXTexas Farm Bureau$1,235
Huntsville, ALGEICO$887
Indianapolis, INUSAA$773
Jackson, TNState Farm$817
Jacksonville, FLGEICO$1,252
Jonesboro, ARUSAA$945
Kansas City, MOUSAA$746
Killeen, TXTexas Farm Bureau$1,029
Knoxville, TNState Farm$757
Lafayette, LAUSAA$1,557
Lakeland, FLState Farm$1,444
Lakewood, COAmerican National$868
Lansing, MIMetLife$968
Laredo, TXGermania Insurance$1,238
Las Cruces, NMUSAA$849
Las Vegas, NVGEICO$1,266
Lexington, KYGEICO$787
Lincoln, NEAuto-Owners Insurace$899
Little Rock, ARUSAA$1,009
Loganville, GAAuto-Owners Insurace$858
Longview, TXTexas Farm Bureau$1,072
Los Angeles, CAWawanesa$1,535
Louisville, KYGEICO$1,152
Lubbock, TXTexas Farm Bureau$1,082
Macon, GAAuto-Owners Insurace$858
Madison, WIGEICO$621
Manhattan, KSUSAA$767
Martinsburg, WVUSAA$780
Melbourne, FLGEICO$1,348
Memphis, TNUSAA$924
Mesa, AZRoot$804
Miami, FLGEICO$1,598
Midland, TXTexas Farm Bureau$947
Milwaukee, WIUSAA$751
Minneapolis, MNUSAA$1,196
Montgomery, ALUSAA$991
Mooresville, NCGEICO$719
Murfreesboro, TNState Farm$734
Murrieta, CAWawanesa$1,038
Naples, FLGEICO$1,139
Nashville, TNState Farm$773
New Orleans, LAUSAA$2,009
New York City, NYMain Street America$1,599
Ocala, FLState Farm$1,294
Odessa, TXTexas Farm Bureau$1,113
Oklahoma City, OKUSAA$1,049
Olathe, KSUSAA$769
Omaha, NEAuto-Owners Insurace$1,048
Orlando, FLGEICO$1,378
Palm Coast, FLGEICO$1,292
Palmdale, CAWawanesa$1,277
Park Ridge, NJGEICO$976
Pensacola, FLGEICO$1,326
Peoria, ILFAIA$598
Philadelphia, PAState Farm$1,878
Phoenix, AZRoot$905
Plano, TXTexas Farm Bureau$1,123
Portland, ORState Farm$1,183
Pueblo, COAmerican National$904
Raleigh, NCGEICO$770
Redding, CAWawanesa$932
Reno, NVGEICO$976
Richmond, VAUSAA$838
Rochester, NYProgressive$810
Rockford, ILFAIA$730
Rockledge, FLGEICO$1,332
Sacramento, CAWawanesa$1,127
Salem , ORState Farm$970
Salt Lake City, UTGEICO$895
San Angelo, TXTexas Farm Bureau$935
San Antonio, TXTexas Farm Bureau$1,118
San Diego, CAWawanesa$1,043
San Francisco, CAWawanesa$1,231
San Jose, CAWawanesa$1,086
Savannah, GAAuto-Owners Insurace$858
Scottsdale, AZRoot$794
Seattle, WAUSAA$1,166
Spokane, WAUSAA$1,036
Springfield, MOUSAA$745
St Louis, MOUSAA$783
Stockton, CAWawanesa$1,077
Syracuse, NYProgressive$894
Tallahassee, FLGEICO$1,328
Tampa, FLGEICO$1,827
Toledo, OHUSAA$803
Topeka, KSUSAA$903
Tucson, AZRoot$766
Tulsa, OKUSAA$1,067
Tyler, TXTexas Farm Bureau$1,044
Valdosta, GAAuto-Owners Insurace$858
Vancouver, WAUSAA$1,060
Victoria, TXTexas Farm Bureau$973
Virginia Beach, VAUSAA$845
Waco, TXTexas Farm Bureau$953
Wichita, KSUSAA$906
Wilmington, NCGEICO$709
Yuma, AZRoot$664

Compare rates and shop affordable car insurance today

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Compare car insurance rates by credit score

If your credit score is below average or poor — or if you don’t have any credit at all — it’s even more important to compare car insurance quotes before you buy. 

Just like drivers with an accident or DUI on their records, drivers with poor credit (a credit score under 577) are also likely to pay much higher car insurance rates. Shopping around can help you find the most affordable car insurance out there, even if you have bad credit.

Company

Poor credit

Fair credit

Good credit

Very good credit

Excellent credit

Allstate

$3,335

$2,365

$2,007

$1,903

$1,706

American Family

$2,206

$1,543

$1,321

$1,219

$1,101

Erie

$2,836

$1,630

$1,200

$1,056

$955

Farmers

$3,086

$2,276

$1,973

$1,801

$1,620

GEICO

$2,219

$1,513

$1,185

$1,065

$940

Nationwide

$2,205

$1,802

$1,511

$1,431

$1,331

Progressive

$3,220

$2,254

$1,807

$1,584

$1,380

State Farm

$3,338

$1,843

$1,395

$1,224

$1,095

Travelers

$2,880

$1,975

$1,537

$1,338

$1,226

USAA

$2,018

$1,302

$1,108

$1,038

$966

→ Learn more about how credit scores affect car insurance rates

Compare car insurance rates by driving record

Car insurance is more expensive for drivers who have a recent at-fault accident or ticket on their records. While the average car insurance rate for drivers with a clean record is $1,652, insurance for high-risk drivers can cost $1,500 more per year.

All drivers with a recent violation on their record, like an at-fault accident or citation, should compare car insurance quotes to save money, but drivers with serious violations — like a DUI or hit-and-run — stand to save the most.

Company

Speeding ticket

At-fault accident

Suspended license

DUI

Allstate

$2,350

$3,080

$2,964

$3,047

American Family

$1,888

$2,131

$2,390

$2,083

Erie

$1,344

$1,542

$1,901

$2,032

Farmers

$2,571

$2,787

$3,046

$2,733

GEICO

$2,113

$2,063

$2,184

$3,044

Nationwide

$1,935

$2,461

$3,228

$3,298

Progressive

$2,316

$2,848

$2,692

$2,273

State Farm

$1,370

$1,445

$1,607

$1,652

Travelers

$2,283

$2,132

$2,405

$2,371

USAA

$1,329

$1,533

$1,965

$2,103

→ Learn more about how an accident affects your car insurance rates

Compare car insurance rates by marital status

Car insurance rates are usually slightly lower if you’re married — it’s just one of the many details that car insurance companies use to figure out how much of a risk you’ll be to insure.

We found that married drivers pay $130 less per year for car insurance, on average, than single drivers.

Company

Single

Married

Divorced

Allstate

$1,991

$1,923

$1,991

American Family

$1,515

$1,344

$1,515

Erie

$1,157

$1,081

$1,157

Farmers

$1,968

$1,811

$1,968

GEICO

$1,179

$1,210

$1,226

Nationwide

$1,569

$1,433

$1,569

Progressive

$1,814

$1,521

$1,814

State Farm

$1,808

$1,598

$1,808

Travelers

$1,586

$1,578

$1,586

USAA

$1,128

$1,008

$1,128

→ Learn more about car insurance for married couples

Compare car insurance rates by vehicle

The kind of car you drive also has an impact on what you’ll pay for car insurance. More expensive cars generally cost more to insure, but a safer car with updated technology that helps avoid accidents will cost less to insure than one prone to rollovers.

Company

Chevrolet Equinox

Chevrolet Silverado

Ford Escape

Ford Explorer

Ford F-150

GMC Sierra

Honda Accord

Honda Civic

Honda CR-V

Jeep Grand Cherokee

Jeep Wrangler

Nissan Rogue

Ram 1500

Subaru Forester

Subaru Outback

Toyota Camry

Toyota Corolla

Toyota Highlander

Toyota RAV4

Toyota Tacoma

Allstate

$2,164

$2,093

$2,214

$2,300

$1,952

$2,266

$2,360

$2,428

$2,085

$2,138

$2,652

$2,122

$2,557

$2,203

$2,327

$2,400

$2,267

$2,271

$2,343

$2,089

American Family

$1,490

$1,519

$1,452

$1,460

$1,420

$1,490

$1,670

$1,698

$1,533

$1,473

$1,433

$1,639

$1,545

$1,570

$1,548

$1,667

$1,756

$1,571

$1,648

$1,570

Erie

$1,210

$1,076

$1,179

$1,267

$1,014

$1,118

$1,403

$1,332

$1,124

$1,336

$1,394

$1,272

$1,200

$1,090

$1,045

$1,360

$1,440

$1,244

$1,309

$1,248

Farmers

$2,133

$2,387

$1,977

$1,920

$1,795

$1,975

$2,117

$2,483

$1,948

$2,101

$1,736

$2,192

$2,468

$2,253

$1,937

$2,260

$2,355

$2,164

$2,050

$2,119

GEICO

$1,161

$1,344

$1,219

$1,324

$1,188

$1,195

$1,341

$1,149

$1,052

$1,294

$1,126

$1,149

$1,303

$1,039

$1,061

$1,256

$1,178

$1,179

$1,154

$1,093

Nationwide

$1,377

$1,242

$1,320

$1,408

$1,276

$1,461

$1,406

$1,595

$1,257

$1,432

$1,634

$1,482

$1,616

$1,285

$1,123

$1,561

$1,704

$1,365

$1,465

$1,314

Progressive

$1,724

$1,982

$1,595

$1,806

$1,769

$1,638

$2,200

$1,675

$1,595

$1,798

$1,667

$1,731

$1,816

$1,955

$1,945

$2,047

$2,043

$1,746

$1,686

$1,695

State Farm

$1,229

$1,264

$1,234

$1,247

$1,202

$1,360

$1,418

$1,311

$1,128

$1,249

$1,404

$1,231

$1,344

$1,260

$1,316

$1,309

$1,208

$1,331

$1,424

$1,280

Travelers

$1,567

$1,560

$1,394

$1,657

$1,457

$1,450

$1,582

$1,741

$1,295

$1,533

$1,404

$1,607

$1,602

$1,339

$1,321

$1,634

$1,644

$1,508

$1,575

$1,425

USAA

$1,124

$1,225

$1,126

$1,309

$1,086

$1,235

$1,335

$1,203

$1,144

$1,246

$1,062

$1,207

$1,247

$1,123

$1,118

$1,245

$1,300

$1,166

$1,158

$1,071

→ Learn more about how the kind of car you drive affects insurance

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Compare car insurance rates by coverage amount

Whether you want a full-coverage policy with comprehensive and collision coverage, or you just want enough insurance to meet your state’s minimum requirements, the best way to avoid paying too much for car insurance is by comparing rates to see what you’ll pay for different amounts of car insurance coverage.

Company

State minimum

50/100/50 liability

100/300/100 liability

Allstate

$750

$1,991

$2,097

American Family

$676

$1,515

$1,557

Erie

$370

$1,157

$1,201

Farmers

$781

$1,968

$2,109

GEICO

$402

$1,179

$1,261

Nationwide

$624

$1,569

$1,671

Progressive

$737

$1,814

$1,967

State Farm

$475

$1,240

$1,333

Travelers

$683

$1,586

$1,690

USAA

$369

$1,128

$1,191

→ Learn more about how much car insurance coverage you need

Compare the top auto insurance companies

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

Company

Policygenius rating

Average annual cost

GEICO

4.4 out of 5 stars ★

$1,187

Travelers

4.3 out of 5 stars ★

$1,580

Amica

4.2 out of 5 stars ★

$1,687

Nationwide

4.1 out of 5 stars ★

$1,463

Progressive

4.1 out of 5 stars ★

$1,758

Allstate

4 out of 5 stars ★

$1,974

Safeco

4 out of 5 stars ★

$1,405

Erie

3.9 out of 5 stars ★

$1,139

Farmers

3.9 out of 5 stars ★

$1,934

State Farm

3.8 out of 5 stars ★

$1,383

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Compare auto insurance guide

Why you should compare auto insurance quotes

Policygenius customers saved an average of $435 a year on car insurance by comparing quotes. Rates vary by company, even for the same driver, so comparing options means you can be sure you’re getting the best deal possible.

Policygenius can show you quotes from top companies, so you can pick the one that offers you the best rates.

When you get quotes, you’ll find that your auto insurance rates are based on lots of factors, like your coverage limits, age, location, driving history, and more.

Here’s what determines your car insurance rates:

  • Your address: Accident rates, population density, and repair costs in your neighborhood will all go into calculating your premiums.

  • Your coverage: More types of coverage and higher limits means more protection, but it also means higher premiums.

  • Your age: Younger, less experienced drivers (under 25) are more likely to get in accidents and file claims, so they often pay the most for car insurance.

  • Your car: The make and model of car you drive will affect your insurance rates. Luxury cars with expensive parts cost more to insure than a budget daily driver, and cars with certain safety features can get you a lower rate.

  • Your credit score: Drivers with poor credit scores may have more trouble finding affordable coverage than drivers with higher credit scores.

  • Your driving history: Recent accidents and driving violations will raise a red flag on your profile, while having a squeaky clean record can earn you extra savings.

  • Your insurance history: Recent claims on your record or gaps where you were uninsured will mean higher rates.

How to compare car insurance quotes

Auto insurance quotes are free — you don’t pay for anything until you actually get a policy — so it’s always worth it to get quotes from at least a few different insurance companies before you decide. Here’s how to comparison shop for car insurance:

1. Figure out how much coverage you need

Most drivers should get a full-coverage policy, which means one that includes comprehensive and collision coverage (that’s what covers damage to your own car). 

Comprehensive and collision coverage both require that you choose a deductible amount, which is what you agree to pay out of pocket per-claim. Car insurance deductibles are usually set at $500 or $1,000 — the higher you set your deductible, the lower your rates will be. Just remember that you’ll actually have to pay that amount yourself if you need to use that coverage. 

You’ll also need to choose liability coverage levels. That’s the part of your car insurance that covers the damage when you’re at fault in an accident. Liability coverage is the backbone of your car insurance policy, and we recommend setting high limits so you’ll be fully covered, even in a worst-case scenario. Here’s a good place to start:

$100,000 in bodily injury liability per person

Covers per-person medical costs for anyone you injure in a car accident

$300,000 in total bodily injury liability per accident

Covers the total amount of medical expenses you’re responsible for after an accident

$100,000 in property damage liability per accident

Covers the damage you do to the other driver’s vehicle (but not damage to your own car)

Liability limits are usually written out with slashes, so those coverage amounts might be listed as 100/300/100 in your policy.

Remember, if you don’t have enough liability coverage, you’ll be on the hook for any medical bills or damage that exceeds your policy limits, and your assets (like your home or savings) could be at risk.

2. Set a budget

Once understand how different types of car insurance work and you know how much coverage you need, set a reasonable monthly or annual budget.  Check out average rates for drivers in your area to get a sense of how much you’ll pay for the coverage you need. 

Remember, factors like where you live, your age, your driving record, and your credit score can all affect your car insurance quotes. While your rates may be higher or lower than average, it’s still good to know what to expect so you can tell when quotes are too high.

3. Fill out an application

Because car insurance quotes are based on your personal information, there’s no way to get a reliable quote without sharing at least a little bit about yourself. 

Companies use your personal details to calculate how much you’ll pay for car insurance, so before you sit down to shop, gather up the following information:

  • Names, birthdays and driver’s license numbers for everyone in your home who’s of driving age

  • Social Security numbers for all drivers in the household

  • VINs (Vehicle Information Numbers) or make and model years for every car you need to insure

  • Your address (you’ll have to list both where you live and where the car is garaged, which is usually the same place)

  • A little bit about your driving history, including recent accidents or violations 

  • Your declarations page from your last or current car insurance policy, if you have it

  • Personal details, like whether or not you’re married, what your job is, and whether you rent or own your home

It’s important to be honest during the car insurance application process. If you change or omit any of your information, you won’t get accurate quotes, and you may wind up having to pay more once you get the actual policy.

4. Take a look at your quotes

Once you’ve gotten car insurance quotes from at least a few different companies, go through the offerings to make sure you’re comparing apples to apples. Are they all for the same term length — and do they all include the same add-ons? 

Some insurance companies may show you quotes with multiple coverage tiers, often you’ll see a bare-bones one with low limits, a medium tier, and a premium option with endorsements already added. 

Make sure you’re getting enough coverage to fully protect you in case of an accident, and nothing you don’t need. If you’re a member of AAA, for example, you don’t need to add roadside assistance to your car insurance policy too.

5. Choose a policy and get insured

Found the right option for you? Double check that it’s for the right coverage limits and term length, and that you understand what’s included in the policy.

Once you’re sure about your choice, sign your policy and set it to start the exact day you need it. Once you pay your first premium (sometimes referred to as a down payment), you’re good to go.

You’ll receive information about your new policy from the company, and you may also be invited to download and set-up a mobile app. Save any emails or letters you get at the start of your policy so you know exactly where to find information about it in case you need to file a claim later.

6. Cancel your old policy (if you have one)

As soon as your new policy is set up, you can cancel your old one. Canceling a car insurance policy is easy, and you can usually do it in one phone call (you may even be able to do it online). You don’t have to wait until the end of your policy term to cancel, you can do it at any time. 

And if you paid your entire annual premium in-full at the start of the policy and you’re canceling early, you’ll probably be refunded for the months you didn’t use (minus any fees).

Just make sure to set your old coverage to end on the same day your new policy starts, so you don’t have a lapse in coverage.

Frequently asked questions

Why did my car insurance rates go up?

Your rates may have gone up because you had an accident, filed a claim, or added a new driver to your policy. Sometimes, your rates may rise because of changes in the industry. Remember, if you’re not happy with the cost of your car insurance, it never hurts to shop around for new coverage.

Who has the cheapest car insurance?

Since auto insurance rates are so personalized, the cheapest car insurance company might be different for every driver. That’s why it’s so important to shop around and compare quotes from different companies before you settle on a policy.

What age does car insurance go down?

Younger, inexperienced drivers pay more for car insurance because they’re riskier to insure. But rates for teen drivers drop over time until age 25, as long as they avoid accidents.

Does getting a car insurance quote affect my credit?

When you apply for car insurance, insurance companies will do a “soft inquiry” into your credit, which won’t affect your credit score or show up when future lenders check your credit. Credit score does matter when it comes to car insurance, though, and drivers with poor credit will see higher rates.

Average savings 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.

Getting car insurance quotes is easy with Policygenius

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