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Compare car insurance quotes and policies

Whether you’re replacing an old policy or adding your newly licensed teenager to your coverage, comparing car insurance quotes is the best way to find affordable rates. Policygenius makes it easy to compare quotes from top car insurance companies and choose the coverage that’s best for you and your wallet.

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According to an analysis of car insurance rates by Policygenius, the average cost of a car insurance policy in the U.S. is $1,652 a year. But rates can vary widely depending on factors like your insurance company, your driving history and the type of car you have.

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.

Genius tip

Car insurance quotes are free – you don’t start paying until you sign your policy. That means you can get as many quotes as you want to make sure you’re getting the best deal.

Compare car insurance rates by state

Where you live, down to your specific ZIP code, plays a role in how much your car insurance costs, and each state has its own coverage limits that will also affect the cost of your policy.

Here are the cheapest companies in every state for full coverage car insurance, which includes comprehensive and collision coverage in addition to liability.

StateCompanyCost
AlabamaGEICO$977
AlaskaUSAA$930
ArizonaRoot$747
ArkansasUSAA$962
CaliforniaWawanesa$1,110
ColoradoAmerican National$811
ConnecticutGEICO$756
DelawareState Farm$1,152
District of ColumbiaGEICO$1,025
FloridaGEICO$1,432
GeorgiaAuto-Owners Insurance$858
HawaiiGEICO$785
IdahoAmerican National$498
IllinoisFAIA$712
IndianaUSAA$706
IowaState Farm$719
KansasUSAA$912
KentuckyGEICO$1,019
LouisianaUSAA$1,486
MaineGEICO$571
MarylandUSAA$806
MassachusettsGEICO$1,067
MichiganGEICO$1,059
MinnesotaWestern Agriculture$964
MississippiUSAA$856
MissouriUSAA$741
MontanaUSAA$856
NebraskaAuto-Owners Insurance$1,036
NevadaGEICO$1,043
New HampshireUSAA$676
New JerseyGEICO$1,078
New MexicoUSAA$907
New YorkMain Street America$1,033
North CarolinaGEICO$736
North DakotaUSAA$786
OhioUSAA$711
OklahomaUSAA$949
OregonState Farm$843
PennsylvaniaErie$1,018
Rhode IslandState Farm$983
South CarolinaAmerican National$683
South DakotaKemper$1,128
TennesseeState Farm$755
TexasTexas Farm Bureau$1,036
UtahGEICO$856
VermontState Farm$666
VirginiaUSAA$776
WashingtonUSAA$1,033
West VirginiaUSAA$869
WisconsinUSAA$680
WyomingAmerican National$763

Some carriers may be represented by affiliates or subsidiaries.

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Compare car insurance rates by age and gender

Your car insurance rates vary based on factors like age and gender. Most insurance companies consider teens or inexperienced drivers “high-risk,” and may charge higher rates as a result.

Men often pay slightly higher rates than women — although some states have passed laws banning insurance companies from using gender to determine rates.

Compare car insurance rates for seniors

Older drivers can start to see their auto insurance rates tick up, but seniors can still get great rates on policies by choosing the right company and taking advantage of discounts, like taking a driver's education course offered by organizations like AAA or AARP.

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Compare car insurance rates by credit score

Car insurance companies take credit score into consideration when calculating your rates, and the lower your credit score, the more you’ll pay for car insurance - but some states have outlawed this practice.

CompanyPoor creditFair creditGood creditVery good creditExcellent 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

Compare car insurance rates by driving record

Your driving record is one of the most important factors that car insurance companies consider when calculating your rates. The more accidents or violations you have on your record, the more you’ll pay for coverage.

ViolationsAverage annual cost
At-fault Accident$2,555
Driving with a suspended license$3,117
DUI$3,153
Hit and Run$3,182
Speeding Ticket$2,277

Compare car insurance rates by coverage amount

The amount of coverage you buy also has a big impact on what you pay for car insurance. The absolute cheapest policies only cover up to the minimum amount required in your state, while full coverage policies, that include comprehensive and collision coverage, offer better protection.

CompanyState minimumFull coverage (50/100/50)Full coverage (100/300/100)
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
 

What car insurance coverage do I need?

Every auto insurance policy is made up of different types of coverage to protect you in any scenario. A typical full coverage policy includes:

Bodily injury liability

For when you rear-end another driver and give them whiplash

Property damage liability

For when you damage another car (or any other piece of property)

Personal injury protection

Covers your own medical expenses after an accident

Uninsured/underinsured motorist

For when you’re t-boned by an uninsured driver

Comprehensive

When your car is damaged, but not by a collision

Collision

Covers your car after a collision, even one you've caused

Bodily injury liability

For when you rear-end another driver and give them whiplash

Property damage liability

For when you damage another car (or any other piece of property)

Personal injury protection

Covers your own medical expenses after an accident

Uninsured/underinsured motorist

For when you’re t-boned by an uninsured driver

Comprehensive

When your car is damaged, but not by a collision

Collision

Covers your car after a collision, even one you've caused

Most states require a minimum amount of coverage, but won’t make you buy all six types of coverage.

It’s a good idea to have all of them, though, to ensure that you’re protected in every situation and aren’t left footing the bill if you’re ever in an accident (whether it’s your fault or not).

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How to compare car insurance quotes

  1. Figure out how much coverage you need. Understand what each kind of coverage does and how much you need. We recommend drivers have at least $100,000 per person/$300,000 per accident in bodily injury liability and $100,000 in property damage liability coverage in order to be fully protected. 

  2. Fill out an application. Answer a few simple questions online, like your age, address, current insurance provider and whether or not you’ve had any recent accidents. Insurance companies use all of that information to set your rates.

  3. Choose a policy and get insured. Found the right option for you? Sign your policy and set it to start the exact day you need it. Once you pay your first premium, you’re good to go.

  4. Cancel your old policy (if you have one). As soon as your new policy is set up, you can cancel your old one. 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.

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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.

Methodology

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Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100
  • Property damage liability: $50,000
  • Uninsured/underinsured motorist: 50/100
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.