Compare car insurance quotes & rates (2024)

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Updated

Why comparing car insurance quotes is a good idea

Comparing car insurance quotes helps you find the best deal, since the same driver can get two very different quotes from two different companies. That's why we suggest using a third-party marketplace like Policygenius to see multiple quotes at once instead of going straight to insurance company websites and getting one quote at a time.

If you’re not sure where to start your car insurance comparison, Policygenius can show you quotes from top companies, and help you find options that meet your coverage needs and don’t break the bank.

Compare options and save money with Policygenius

A third-party marketplace like Policygenius saves you the trouble of comparing car insurance rates and coverage details from different companies by yourself. Just fill out some basic details, like your age and ZIP code, and we’ll show you a few options from some of the top companies that partner with us. It’s really that easy.

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 compare car insurance quotes before you buy. Follow these steps to find the right car insurance policy for you:

1. Figure out how much coverage you need

Most drivers will have to choose liability coverage levels, which is what covers the cost when you’re at fault in an accident.

Not having enough liability coverage can leave you (and your home, savings, and other assets) on the hook for covering any costs that go over your policy limits. It’s a good idea to have at least:

$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)

Most drivers should get a full-coverage policy, which means one that includes comprehensive and collision coverage on top of your liability insurance.

With full coverage, you’ll have to choose deductibles (what you agree to pay out of pocket when making a claim). A higher deductible means lower rates, but just remember that you’ll actually have to be able to pay any deductible if you have to make a claim someday.

A graphic explaining full-coverage car insurance. Full coverage means a car insurance policy that includes comprehensive and collision coverage in addition to liability coverage.

2. Set a budget

Once you understand how different types of car insurance work and you know how much coverage you need, set a reasonable monthly or annual budget. It can help to look at average car insurance rates in your area to see what drivers near you usually pay.

Remember, factors like where you live, your age, your driving record, and your credit score all affect your car insurance quotes. Knowing what to expect can help you make sense of the rates you get when you compare car insurance quotes.

3. Fill out an application

Because your car insurance rates are based on personal information, you’ll have to share at least a little bit about yourself before you can compare quotes. 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 when you apply for coverage and compare quotes. If you change or omit any of your information, you won’t get accurate rates, and you may wind up having to pay more once you get the actual policy.

Here’s what it looks like when you compare quotes with the Policygenius marketplace:

The quote form that you see when you compare rates with Policygenius. You're asked whether you're insured, if you own multiple vehicles, if you're a homeowner, your age, and your ZIP code.

4. Know what you’re comparing

Once you’ve gotten car insurance quotes from at least a few different companies, go through the options 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.

5. Choose a policy and get insured

When you’re done comparing rates, 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 car insurance down payment), you’re good to go.

Your new car insurance company will send you information about your new policy or even an invite to download and set-up a mobile app. You should save any emails or letters you get at the start of your policy so it’s easy to find in case you need to file a claim later.

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

After you use our marketplace to compare rates and buy coverage, you can cancel your old car insurance policy. Canceling a car insurance policy is easy, and you can usually do it either over the phone or online.

You don’t have to wait until the end of your policy term to cancel car insurance, you can do it at any time. When you cancel early, your car insurance company may refund you for any of the months left on your policy’s term.

Sample car insurance quote comparison

Take a look at these two sample car insurance quotes from Allstate and Erie for a better idea of what you’ll see when you do an online auto insurance quotes comparison:

Allstate

Allstate

  • Total cost: $115 per month, or $690 for six months

  • Liability coverage (BIL/PDL): $50k/$100k/50k

  • Uninsured/underinsured motorist: $50k/$100k

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

  • Roadside assistance: Included for $6 per month

  • Death indemnity: $10k

  • Personal effects coverage: $250

  • Custom equipment coverage: $1k

Erie insurance logo

Erie

  • Total cost: $147 per month, or $1,570 for 12 months

  • Liability coverage (BIL/PDL): $50k/$100k/50k

  • Uninsured/underinsured motorist: $50k/$100k

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

  • Roadside + rental: Included for a total of $34

Even though we entered the exact same coverage amounts, the car insurance quotes are different. You can see that both have similar monthly payments, but Allstate offers six-month policies and Erie’s is for an entire year. 

The monthly rate for the Allstate policy is cheaper, but a six-month policy means you risk a rate increase halfway through the year, while a 12-month policy means you know what you’ll be paying for longer.

The details of the coverage are different too (so are some of the names of the coverage types). The Allstate quote includes death indemnity coverage (which covers funeral expenses), personal effects coverage for any items that are stolen or damaged while in your car, and custom equipment coverage. 

But the Allstate quote doesn't include rental car reimbursement coverage (which is listed on Erie’s as simply “rental” coverage and is bundled with roadside assistance).

Bottom line: The Allstate monthly rate is cheaper, but a shorter policy term could mean more frequent rate hikes. The risk might be worth it for the extra coverage though, especially if you frequently keep your cellphone or laptop in your car, or if you have custom additions to your vehicle.

Compare auto insurance quotes from top companies

Think about more than just cost when you compare car insurance quotes with a third-party marketplace.

Pay attention to coverage options, customer service ratings, and financial strength scores. The very best auto insurance companies offer both cheap coverage and top-rated customer service and claims handling.

A bar graph that shows that cost of car insurance from highly rated companies. USAA has the cheapest rates.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Policygenius rating

Annual average cost

USAA

5.0 out of 5

$1,044

Erie

4.9 out of 5

$1,181

State Farm

4.8 out of 5

$1,141

GEICO

4.7 out of 5

$1,192

Travelers

4.7 out of 5

$1,351

Farmers

4.4 out of 5

$2,084

Progressive

4.4 out of 5

$1,780

American Family

4.3 out of 5

$1,479

Nationwide

4.3 out of 5

$1,475

Allstate

4.2 out of 5

$2,055

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

Compare car insurance quotes by age and gender

Comparing insurance quotes is especially important for young and inexperienced drivers, since they usually pay a lot more for coverage than older drivers.

Male drivers also sometimes pay slightly more for car insurance than female drivers, but some states have passed laws banning companies from using gender to determine insurance rates.

Here’s how rates compare across 10 top companies when broken down by age and gender.

16-year-old male

18-year-old male

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

USAA

$4,792

$2,860

$1,617

$1,224

$1,286

$1,081

$1,102

$1,037

$1,051

$975

$988

$930

$943

State Farm

$4,222

$3,327

$2,189

$1,298

$1,437

$1,194

$1,194

$1,170

$1,170

$1,155

$1,155

$1,093

$1,093

Erie

$3,584

$2,968

$2,170

$1,356

$1,354

$1,224

$1,200

$1,150

$1,127

$1,050

$1,043

$988

$1,004

GEICO

$4,803

$3,182

$1,825

$1,321

$1,346

$1,197

$1,179

$1,203

$1,174

$1,188

$1,163

$1,105

$1,064

Travelers

$8,022

$4,487

$2,450

$1,602

$1,658

$1,539

$1,590

$1,515

$1,555

$1,398

$1,433

$1,265

$1,305

Nationwide

$6,111

$5,328

$2,557

$1,670

$1,784

$1,511

$1,530

$1,492

$1,497

$1,401

$1,410

$1,274

$1,294

American Family

$4,721

$3,320

$2,227

$1,510

$1,592

$1,457

$1,515

$1,404

$1,452

$1,315

$1,344

$1,260

$1,274

Progressive

$10,343

$7,942

$3,054

$1,941

$1,958

$1,861

$1,810

$1,836

$1,752

$1,728

$1,654

$1,509

$1,503

Allstate

$8,788

$5,916

$3,134

$2,155

$2,222

$2,012

$1,999

$1,984

$1,971

$1,967

$1,954

$1,819

$1,860

Farmers

$10,812

$8,155

$2,907

$2,106

$2,201

$1,997

$1,997

$1,958

$1,909

$1,960

$1,844

$1,721

$1,699

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→ Learn more about rates by age and gender

Compare car insurance quotes for seniors

Comparing car insurance quotes is also important for senior drivers since car insurance rates can start going up once at 65.

For retirees on a fixed income, comparing car insurance quotes is an easy way to avoid overpaying. Here’s how much drivers 60 and over pay for a full-coverage policy, on average, at 10 major car insurance companies.

60-year-old female

60-year-old male

65-year-old female

65-year-old male

70-year-old female

70-year-old male

USAA

$924

$939

$945

$964

$1,005

$1,037

State Farm

$1,068

$1,068

$1,064

$1,064

$1,107

$1,107

Erie

$1,013

$1,032

$1,057

$1,086

$1,123

$1,153

GEICO

$1,098

$1,067

$1,093

$1,073

$1,157

$1,143

Travelers

$1,270

$1,321

$1,321

$1,388

$1,401

$1,500

Nationwide

$1,250

$1,265

$1,277

$1,319

$1,354

$1,434

American Family

$1,259

$1,266

$1,293

$1,292

$1,383

$1,372

Progressive

$1,508

$1,507

$1,550

$1,583

$1,666

$1,705

Allstate

$1,815

$1,856

$1,892

$1,935

$1,916

$1,959

Farmers

$1,662

$1,685

$1,800

$1,875

$1,909

$2,057

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→ Learn more about car insurance for senior drivers

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Compare car insurance quotes by state

Car insurance rates vary by state, city, and even ZIP code, but you can find the lowest rates in your area by doing a thorough price comparison.

Even if car insurance is normally expensive in your area, comparing rates can potentially save you thousands of dollars a year.

For example, the difference between the most expensive and cheapest insurance companies in Florida — known for high auto insurance rates — is $2,444 per year. Here’s the average annual car insurance rate at the cheapest company in every 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

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Some carriers may be represented by affiliates or subsidiaries.

→ Learn more about car insurance costs

Compare car insurance rates by city

City

Company

Cost

Abilene, TX

Texas Farm Bureau

$1,010

Albany, NY

Progressive

$823

Albuquerque, NM

USAA

$1,004

Alexandria, VA

USAA

$875

Amarillo, TX

State Farm

$1,195

Anchorage, AK

USAA

$949

Arlington, TX

Texas Farm Bureau

$1,121

Athens, GA

Auto-Owners Insurace

$858

Atlanta, GA

Auto-Owners Insurace

$858

Augusta, GA

Auto-Owners Insurace

$858

Austin, TX

Texas Farm Bureau

$1,153

Bakersfield, CA

Wawanesa

$1,054

Baltimore, MD

USAA

$1,127

Baton Rouge, LA

USAA

$1,660

Beaumont, TX

Texas Farm Bureau

$1,160

Bellevue, WA

USAA

$1,100

Billings, MT

USAA

$866

Birmingham, AL

USAA

$1,032

Blue Springs, MO

USAA

$746

Boston, MA

GEICO

$1,106

Bowling Green, KY

GEICO

$902

Brownsville, TX

Germania Insurance

$1,233

Buffalo, NY

Progressive

$1,032

Charleston, SC

American National

$724

Charlotte, NC

GEICO

$775

Chattanooga, TN

State Farm

$750

Chicago, IL

Auto-Owners Insurace

$1,103

Chula Vista, CA

Wawanesa

$947

Cleveland, OH

USAA

$783

Colorado Springs, CO

American National

$905

Columbia, MO

USAA

$775

Columbia, SC

American National

$731

Columbus, GA

Auto-Owners Insurace

$858

Columbus, OH

USAA

$765

Corpus Christi, TX

Texas Farm Bureau

$1,108

Cumming, GA

Auto-Owners Insurace

$858

Dallas, TX

Texas Farm Bureau

$1,343

Dayton, OH

USAA

$703

Denver, CO

American National

$969

Detroit, MI

USAA

$1,831

Dothan, AL

GEICO

$868

El Paso, TX

Texas Farm Bureau

$954

Fargo, ND

USAA

$773

Farmington, NM

USAA

$892

Fayetteville, NC

GEICO

$744

Flint, MI

GEICO

$1,078

Fort Myers, FL

GEICO

$1,372

Fort Wayne, IN

USAA

$710

Fort Worth, TX

Texas Farm Bureau

$1,123

Fredericksburg, TX

Texas Farm Bureau

$910

Fresno, CA

Wawanesa

$1,040

Gainesville, FL

GEICO

$1,100

Grand Rapids, MN

Western Agriculture

$960

Greeley, CO

American National

$752

Greensboro, NC

GEICO

$735

Henderson, NV

GEICO

$1,174

Honolulu, HI

GEICO

$751

Houston, TX

Texas Farm Bureau

$1,235

Huntsville, AL

GEICO

$887

Indianapolis, IN

USAA

$773

Jackson, TN

State Farm

$817

Jacksonville, FL

GEICO

$1,252

Jonesboro, AR

USAA

$945

Kansas City, MO

USAA

$746

Killeen, TX

Texas Farm Bureau

$1,029

Knoxville, TN

State Farm

$757

Lafayette, LA

USAA

$1,557

Lakeland, FL

State Farm

$1,444

Lakewood, CO

American National

$868

Lansing, MI

MetLife

$968

Laredo, TX

Germania Insurance

$1,238

Las Cruces, NM

USAA

$849

Las Vegas, NV

GEICO

$1,266

Lexington, KY

GEICO

$787

Lincoln, NE

Auto-Owners Insurace

$899

Little Rock, AR

USAA

$1,009

Loganville, GA

Auto-Owners Insurace

$858

Longview, TX

Texas Farm Bureau

$1,072

Los Angeles, CA

Wawanesa

$1,535

Louisville, KY

GEICO

$1,152

Lubbock, TX

Texas Farm Bureau

$1,082

Macon, GA

Auto-Owners Insurace

$858

Madison, WI

GEICO

$621

Manhattan, KS

USAA

$767

Martinsburg, WV

USAA

$780

Melbourne, FL

GEICO

$1,348

Memphis, TN

USAA

$924

Mesa, AZ

Root

$804

Miami, FL

GEICO

$1,598

Midland, TX

Texas Farm Bureau

$947

Milwaukee, WI

USAA

$751

Minneapolis, MN

USAA

$1,196

Montgomery, AL

USAA

$991

Mooresville, NC

GEICO

$719

Murfreesboro, TN

State Farm

$734

Murrieta, CA

Wawanesa

$1,038

Naples, FL

GEICO

$1,139

Nashville, TN

State Farm

$773

New Orleans, LA

USAA

$2,009

New York City, NY

Main Street America

$1,599

Ocala, FL

State Farm

$1,294

Odessa, TX

Texas Farm Bureau

$1,113

Oklahoma City, OK

USAA

$1,049

Olathe, KS

USAA

$769

Omaha, NE

Auto-Owners Insurace

$1,048

Orlando, FL

GEICO

$1,378

Palm Coast, FL

GEICO

$1,292

Palmdale, CA

Wawanesa

$1,277

Park Ridge, NJ

GEICO

$976

Pensacola, FL

GEICO

$1,326

Peoria, IL

FAIA

$598

Philadelphia, PA

State Farm

$1,878

Phoenix, AZ

Root

$905

Plano, TX

Texas Farm Bureau

$1,123

Portland, OR

State Farm

$1,183

Pueblo, CO

American National

$904

Raleigh, NC

GEICO

$770

Redding, CA

Wawanesa

$932

Reno, NV

GEICO

$976

Richmond, VA

USAA

$838

Rochester, NY

Progressive

$810

Rockford, IL

FAIA

$730

Rockledge, FL

GEICO

$1,332

Sacramento, CA

Wawanesa

$1,127

Salem , OR

State Farm

$970

Salt Lake City, UT

GEICO

$895

San Angelo, TX

Texas Farm Bureau

$935

San Antonio, TX

Texas Farm Bureau

$1,118

San Diego, CA

Wawanesa

$1,043

San Francisco, CA

Wawanesa

$1,231

San Jose, CA

Wawanesa

$1,086

Savannah, GA

Auto-Owners Insurace

$858

Scottsdale, AZ

Root

$794

Seattle, WA

USAA

$1,166

Spokane, WA

USAA

$1,036

Springfield, MO

USAA

$745

St Louis, MO

USAA

$783

Stockton, CA

Wawanesa

$1,077

Syracuse, NY

Progressive

$894

Tallahassee, FL

GEICO

$1,328

Tampa, FL

GEICO

$1,827

Toledo, OH

USAA

$803

Topeka, KS

USAA

$903

Tucson, AZ

Root

$766

Tulsa, OK

USAA

$1,067

Tyler, TX

Texas Farm Bureau

$1,044

Valdosta, GA

Auto-Owners Insurace

$858

Vancouver, WA

USAA

$1,060

Victoria, TX

Texas Farm Bureau

$973

Virginia Beach, VA

USAA

$845

Waco, TX

Texas Farm Bureau

$953

Wichita, KS

USAA

$906

Wilmington, NC

GEICO

$709

Yuma, AZ

Root

$664

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Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Compare car insurance quotes by credit score

If you have average or poor credit, comparing car insurance quotes may save you hundreds or even thousands of dollars a year. While some companies are friendlier to drivers with bad credit than others, it’s usually harder to find affordable insurance with a poor credit score.

There are a few states that don’t allow car insurance companies to set rates based on your credit — but in most places credit still matters. Here's how different credit scores affects your car insurance rates at 10 major car insurance companies.

→ Learn more about how credit scores affect car insurance rates

Compare rates for poor credit

Having poor credit (a score of 524 or lower) means more expensive car insurance rates, which is why comparing quotes to find the best deal is even more important.

Average cost with poor credit

USAA

$2,018

Nationwide

$2,205

American Family

$2,206

GEICO

$2,219

Erie

$2,836

Travelers

$2,880

Farmers

$3,086

Progressive

$3,220

Allstate

$3,335

State Farm

$3,338

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Compare rates for good credit

Insurance rates are about average if you have good credit (a score of 769 to 794), but it’s still important to compare auto insurance quotes to find the best rates.

Average cost with good credit

USAA

$1,108

GEICO

$1,185

Erie

$1,200

American Family

$1,321

State Farm

$1,395

Nationwide

$1,511

Travelers

$1,537

Progressive

$1,807

Farmers

$1,973

Allstate

$2,007

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Compare rates for excellent credit

Having an excellent credit score (823 or higher) means your car insurance rates will probably be cheaper than average — we found that having excellent credit can save you an average of $238 a year.

Average cost with excellent credit

GEICO

$940

Erie

$955

USAA

$966

State Farm

$1,095

American Family

$1,101

Travelers

$1,226

Nationwide

$1,331

Progressive

$1,380

Farmers

$1,620

Allstate

$1,706

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Compare car insurance quotes by driving record

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

Compare how rates for a full-coverage car insurance policy vary by driving record.

Compare rates after an at-fault accident

Car insurance will be higher than average after an at-fault accident, but comparing quotes can help you find affordable coverage.

Average cost after an accident

State Farm

$1,445

USAA

$1,533

Erie

$1,542

GEICO

$2,063

American Family

$2,131

Travelers

$2,132

Nationwide

$2,461

Farmers

$2,787

Progressive

$2,848

Allstate

$3,080

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Compare rates after a DUI

A DUI is one of the more expensive violations to have on your record, but comparing quotes can help you avoid paying more than you have to.

Average cost after a DUI

State Farm

$1,652

Erie

$2,032

American Family

$2,083

USAA

$2,103

Progressive

$2,273

Travelers

$2,371

Farmers

$2,733

GEICO

$3,044

Allstate

$3,047

Nationwide

$3,298

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Compare rates for driving with a suspended license

Getting caught driving with a suspended license raises your car insurance rates significantly, but some companies are more forgiving than others.

Average cost after driving with a suspended license

State Farm

$1,607

Erie

$1,901

USAA

$1,965

GEICO

$2,184

American Family

$2,390

Travelers

$2,405

Progressive

$2,692

Allstate

$2,964

Farmers

$3,046

Nationwide

$3,228

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Compare rates after a speeding ticket

A speeding ticket won’t affect your car insurance as much as other violations, but your rates will still be higher than with a clean record.

Average cost after a speeding ticket

USAA

$1,329

Erie

$1,344

State Farm

$1,370

American Family

$1,888

Nationwide

$1,935

GEICO

$2,113

Travelers

$2,283

Progressive

$2,316

Allstate

$2,350

Farmers

$2,571

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Compare car insurance quotes by marital status

Your marital status doesn’t affect your car insurance rates by much. Compare how being single, married, or divorced affects your car insurance rates at these top companies.

Single

Married

Divorced

USAA

$1,128

$1,008

$1,128

State Farm

$1,808

$1,598

$1,808

Erie

$1,157

$1,081

$1,157

GEICO

$1,179

$1,210

$1,226

Travelers

$1,586

$1,578

$1,586

Nationwide

$1,569

$1,433

$1,569

American Family

$1,515

$1,344

$1,515

Progressive

$1,814

$1,521

$1,814

Allstate

$1,991

$1,923

$1,991

Farmers

$1,968

$1,811

$1,968

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→ Learn more about car insurance for married couples

Compare car insurance quotes by vehicle

A quotes comparison can help you save money on the cost of your insurance, especially if you drive a newer model car or an electric vehicle.

Compare car insurance rates by vehicle type for some of the most popular types of cars in the U.S.

Ford F-150

Subaru Forester

Toyota Camry

Tesla Model 3

USAA

$1,086

$1,123

$1,245

$1,544

State Farm

$1,202

$1,260

$1,309

$1,764

Erie

$1,014

$1,090

$1,360

$1,928

GEICO

$1,188

$1,039

$1,256

$2,987

Travelers

$1,457

$1,339

$1,634

$1,970

Nationwide

$1,276

$1,285

$1,561

$1,961

American Family

$1,420

$1,570

$1,667

$2,115

Progressive

$1,769

$1,955

$2,047

$3,232

Allstate

$1,952

$2,203

$2,400

$4,023

Farmers

$1,795

$2,253

$2,260

$3,186

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

Compare rates and shop affordable car insurance today

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Compare car insurance quotes by coverage amount

Comparing car insurance quotes online helps you save money no matter how much coverage you get. 

Whether you’re looking for full-coverage car insurance (meaning a policy that includes comprehensive and collision coverage) or only enough insurance to meet your state’s minimum requirements, you can find the best deal by comparing rates.

State minimum

50/100/50 liability

100/300/100 liability

USAA

$369

$1,128

$1,191

State Farm

$475

$1,240

$1,333

Erie

$370

$1,157

$1,201

GEICO

$402

$1,179

$1,261

Travelers

$683

$1,586

$1,690

Nationwide

$624

$1,569

$1,671

American Family

$676

$1,515

$1,557

Progressive

$737

$1,814

$1,967

Allstate

$750

$1,991

$2,097

Farmers

$781

$1,968

$2,109

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→ Learn more about how much car insurance coverage you need

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

The latest research and surveys from Policygenius

EVindex v2 2

The Best and Worst States to Own an Electric Vehicle

Our rankings take into account local tax incentives, EV ownership, charging stations, and electricity and insurance costs.

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2022 Road Rage Survey

We polled Americans on aggressive driving and found that 3 in 10 people have been victims of road rage, while 48% of people have driven aggressively themselves.

Car theft by city index

The Best & Worst Cities for Car Theft

Our rankings factored in thefts per person, yearly theft increases, recovered vehicles, and how theft affects car insurance rates to find the best and worst cities for car theft.

What determines your car insurance rates

Before you start a car insurance quotes comparison, be prepared to enter a few personal details about yourself, your policy, your car, and how you drive. Your rates will be affected by:

  • 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.

2023-05 Auto insurance affordability survey Artist Michelle Kondrich

Rates on the rise

The 2023 Policygenius Car Insurance Affordability Survey found that 43% of American drivers were paying more for car insurance in April 2023 than they were a year earlier, and more than half of drivers are worried about being able to afford car insurance.

Read the full report

Frequently asked questions

Why did my car insurance rates go up?

Your rates may have gone up because you were in an accident, filed a claim, or added a new driver to your policy, or because of changes in the industry. If you’re not happy with the cost of your car insurance, it never hurts to shop around and compare quotes in case there’s a cheaper option out there.

Who has the cheapest car insurance?

Since auto insurance rates are so personalized, the cheapest car insurance company will 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?

Around 25. 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?

No. Car insurance companies 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.

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Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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