Find car insurance quickly and easily by comparing auto insurance quotes online.
Car insurance is required in almost every U.S. state, but finding the right policy at a good price can be a challenge. If you're wondering which insurer provides the best rates or what type of coverage you need, the answers to these questions depend on a number of factors. Fortunately, comparing coverage options and viewing auto insurance quotes online is quick and easy.
Read on to learn more about what goes into car insurance quotes and how to get a free quote online.
If you don’t want to spend your entire day dealing with car insurance companies, have the following information on hand to get an accurate online auto insurance quote.
It's important to understand the primary goal of an insurance company is to predict risk and assign premiums based on the risk a particular driver may pose. Car insurance companies assess your entire driving profile to estimate this risk, including factors such as location, demographics, insurance history, driving record and vehicle.
Because most forms of insurance are regulated at the state level, state legislation influences car insurance premiums. For instance, in Michigan, a no-fault state, drivers are required to carry larger amounts of Personal Injury Protection coverage, which increases the cost of car insurance. Although each state legislates insurance differently, auto insurance prices may vary on a ZIP code-by-ZIP code basis. Below is an analysis of the cheapest and most expensive states for car insurance (from The Zebra's 2021 State of Insurance report).
Whether you can get a cheap car insurance quote may come down to your ZIP code. If you live in a densely populated area with a high number of auto insurance claims, your premium will be more expensive than that of a person living in an area of town in which fewer claims are filed. Even if you haven’t filed any claims, you could pay more based solely on your neighborhood.
"Who you are" is a broad way to estimate the risk you represent to an insurance company. Every company takes different traits into consideration, including these common rating factors:
Unless you’re a teen driver, your gender isn’t a significant auto insurance rating factor. In fact, the national difference between car insurance premiums paid by women and men is less than 1%. For teenagers, this premium difference is much more dramatic: male teen drivers pay $1,000 more per year than do female teens. Again, this comes back to the main goal of an insurance company — anticipating and limiting exposure to risk. Car insurance companies' historical data says young male drivers are more likely to take risks while driving than are female drivers in the same age group.
Your age helps to determine your car insurance premium. Statistically, a young driver is less experienced and more likely to receive a citation or file a bodily injury or property damage claim. In the eyes of an insurance company, that means more risk and a greater need for financial protection, i.e., a more expensive premium.
Your likelihood of getting cheap auto insurance quotes increases once you turn 19 — and again at age 25 — as you gain experience behind the wheel. This remains consistent until you get into your 60s, when your car insurance rates may rise.
While the difference is small, married drivers are more likely to get affordable car insurance quotes than single, divorced or widowed drivers. Car insurance companies assume married drivers are more likely to share driving responsibilities and less likely to file claims.
On average, renters face higher car insurance premiums than do condo owners or homeowners, but not by much. The difference in car insurance rate between a renter and a homeowner is only about $15 per six-month policy. Homeowners earn cheaper car insurance rates because they're considered more financially stable and less likely to file a claim.
For more information regarding renters, condo or home insurance, consult our guides:
A driver with a Masters degree or Ph.D. can save $30 per year on car insurance premiums, compared to a driver without a degree. Car insurance companies see clients with higher levels of educational attainment as less risky, rewarding that decreased risk with a lower premium.
Unlike your education level or gender, your credit has a big impact on your insurance rate. Drivers within the "worst" credit tier pay more than twice what those with excellent credit pay for auto insurance — about $914 per six-month policy. Again, this has to do with how insurance companies view drivers with poor credit in terms of risk. A driver with poor credit is more likely to file a claim than a driver with excellent credit. Moreover, when a claim is filed by a driver with poor credit, the claim payout by the insurance company tends to be higher. Insurance companies cover this risk by charging those with poor credit scores higher rates.
California, Hawaii and Massachusetts are the states that do not allow credit score to be utilized in your car insurance quote. One way to get lower car insurance premiums by looking at usage-based programs. UBI, backed by telematics, rely on your driving behavior to determine your premium.
It’s important to consider how your previous auto insurance record reflects on your car insurance quotes. Gaps in insurance — or periods spent with bare minimum coverage or no coverage at all — can increase your rate, as insurance companies see those who have been uninsured or underinsured as financially unstable and riskier to insure. A lengthy insurance history with high limits and minimal claims can lead to cheap online car insurance quotes.
An insurance company's assessment of how you drive entails more than you might think. When assigning a quote, an auto insurance company will look at the primary way you use your vehicle, how many miles you drive annually, and your driving record.
How you use your vehicle can impact the affordability of car insurance quotes. Using your vehicle for pleasure — the most common usage — results in an average premium of $741.
It’s important to consider the difference between a business-use personal policy, outlined above, and a commercial car insurance policy. If you’re using your vehicle to transport goods or lending your vehicle to employees, you may need a commercial insurance policy.
If you’re a rideshare driver working for Uber or Lyft, consult your insurance company about getting a rideshare endorsement. This endorsement protects you from being denied coverage if you’re in an accident while working.
How much you drive reflects how much risk you represent to your insurance company. If you live in California, your annual mileage makes a big difference: there is a 30% difference between those who drive fewer than 7,500 miles per year and those who drive 15,000-plus miles per year. This amounts to around $549 per year.
If you live anywhere else in the U.S., mileage driven may have less of an impact, but it isn’t ignored altogether.
If you'd like more information regarding car insurance by how much you drive, see our related articles below.
Among the factors that go into generating online car insurance quotes, driving history could be the most significant. To an auto insurance company, how you have driven is a good indicator of how you will drive. If your driving résumé includes speeding tickets, at-fault accidents, driving without insurance, or other violations, expect your premium to reflect that. In other words, you're going to pay a lot.
Depending on the specific violation and your state, the number of years these violations will remain on your premium can vary. Most companies will charge you for an at-fault accident for three to five years. However, a DUI can stay on your insurance record for up to 10 years. For more information on finding car insurance with a bad driving record, consult our guide.
The car you drive affects your insurance rates. A vehicle built for performance, with a high MSRP (manufacturer's suggested retail price), or a foreign-built model, may be costlier to insure. Vehicles that don't cost as much to repair or aren't built for faster driving — such as vans and sedans — are correspondingly cheaper to insure. Learn more about the average costs of insuring specific makes and models.
Now that we’ve outlined what goes into car insurance rates, let’s review some ways to save.
At-fault accidents can lead to expensive insurance rates. If you’re not familiar with the way insurance companies price policies, you might be inclined to use your collision coverage if you’ve damaged your vehicle. But unless you’ve done significant damage, it may be worth paying for damages yourself and declining to involve your insurance company.
Should you file a claim? Follow the steps below to find out:
If you're unsure of whether or not to file a claim, see our guide.
Unlike your home, your vehicle will rapidly depreciate in value, meaning the coverage you once had might not be necessary after a few years. For example, collision and comprehensive coverage are designed to protect your vehicle from damage. But if your vehicle is worth less than $4,000, the value of insurance payout you would receive might not justify the cost of your insurance premium.
When shopping for affordable car insurance quotes, arrive with a good idea of your vehicle's value via Kelley Blue Book or NADA. If you determine your vehicle is worth more than $4,000 but you need to save money, consider raising your deductible. Because your car insurance deductible and premium are inversely related, you can lower your bill by raising your deductible. Looking at the chart below, you can see how your premium is affected by adjusting your deductible.
For more information on car insurance coverage options, see our related content:
Some car insurance discounts are automatically added to your auto insurance policy when they pull your driving report. You should make sure they’re not forgetting anything. Here are some potential discounts and cost-cutting programs in which you can participate. Restrictions may apply.
Below are common types of car insurance, along with some additional coverage options. Being well-versed in these details will help you find a great deal, whether you're getting auto insurance quotes online or with the help of an agent. You can also add endorsements to supplement or tailor your coverage to suit to your needs as a driver.
Since your auto insurance rates may vary based on your circumstances, you should get car insurance quotes online at six-month intervals to make sure you're with the right insurance company.
If you find a better rate elsewhere, consider canceling your current policy and moving on to another insurer. The remaining outstanding premium should be refunded. Opportunities to find cheap auto insurance quotes include when you move from state to state, when you add a car to your insurance policy, when you get married, or when you celebrate a birthday.
Car insurance quotes are available for free online. It's smart to compare auto insurance rates from a few insurance companies at a time to confirm you're finding the best policy for you.
Compare auto insurance quotes from as many companies as possible to find the best rate. Free online tools allow you to view rates side-by-side to find coverage that suits your situation and fits within your budget.
This depends on pricing criteria unique to every individual driver but according to The Zebra, USAA ($94/mo.) and GEICO ($102/mo.) were among the cheapest companies for auto insurance in 2021.
The Zebra is an insurance advisor, partnering with more than 100 companies like GEICO, Progressive, Allstate and Liberty Mutual to provide side-by-side quote comparisons. The Zebra makes it easy to find the best cheap car insurance and save on your next policy.
The Zebra is completely free to use. The Zebra does not ask for your phone number or sell your information.
A car insurance quote is an estimate of what you can expect to pay for insurance coverage from a specific company. Auto insurance quotes are determined by the personal information you provide. Factors such as credit score, driving history, and age contribute to auto insurance rates.The more information you provide, the more accurate your insurance quotes will be.
|State||Average Rate||Cheapest Company + Rate|
|Alaska||$699||GEICO - $529|
|Alabama||$649||USAA - $496|
|Arkansas||$851||State Farm - $616|
|Arizona||$708||GEICO - $310|
|California||$911||Progressive - $547|
|Colorado||$849||GEICO - $433|
|Connecticut||$771||GEICO - $522|
|Delaware||$808||USAA - $569|
|Florida||$1,162||State Farm - $724|
|Georgia||$770||AAA - $550|
|Hawaii||$540||GEICO - $488|
|Iowa||$576||GEICO - $404|
|Idaho||$628||State Farm - $430|
|Illinois||$643||GEICO - $423|
|Indiana||$594||State Farm - $433|
|Kansas||$800||Iowa Farm Bureau - $648|
|Kentucky||$925||GEICO - $503|
|Louisiana||$1,152||Southern Farm Bureau - $676|
|Massachusetts||$652||Safety - $495|
|Maryland||$718||GEICO - $477|
|Maine||$550||Concord - $343|
|Michigan||$1,268||Progressive - $667|
|Minnesota||$699||State Farm - $552|
|Missouri||$844||State Farm - $644|
|Mississippi||$751||GEICO - $505|
|Montana||$775||State Farm - $585|
|North Carolina||$506||North Carolina Farm Bureau - $393|
|North Dakota||$661||Progressive - $520|
|Nebraska||$761||Iowa Farm Bureau - $652|
|New Hampshire||$481||GEICO - $355|
|New Jersey||$751||Progressive - $624|
|New Mexico||$637||USAA - $464|
|Nevada||$872||GEICO - $465|
|New York||$847||Progressive - $389|
|Ohio||$463||Nationwide - $355|
|Oklahoma||$773||GEICO - $521|
|Oregon||$666||Country - $499|
|Pennsylvania||$669||GEICO - $441|
|Rhode Island||$937||Travelers - $638|
|South Carolina||$733||Travelers - $669|
|South Dakota||$720||State Farm - $634|
|Tennessee||$629||USAA - $423|
|Texas||$749||State Farm - $542|
|Utah||$657||Bear River - $299|
|Virginia||$513||USAA - $420|
|Vermont||$528||Concord - $428|
|Washington||$605||USAA - $449|
|Wisconsin||$540||GEICO - $261|
|West Virginia||$715||Erie - $583|
|Wyoming||$730||USAA - $494|
|City||Insurance company||6-Month Premium|
|San Antonio||State Farm||$610|