Compare 2021 Car Insurance Quotes Online

Comparing car insurance quotes is the only way to ensure you are getting your best deal. Learn what factors affect what you'll pay for car insurance, compare prices from multiple companies, and save money.

{"buttonText":"Start Comparing","customEventLabel":"Category Header","defaultZip":"Enter your zip code here","hideTitle":"true","id":"QuoteWizardQuoteForm--824","isDeltyForm":false,"product":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":false,"tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_auto-insurance","trustMessage":"It's free, simple and secure.","vendor":"vp"}

Compare the best prices for car insurance

We found that USAA and State Farm are the two national insurers that offer the lowest prices on average, but what you'll pay may vary based on where you live, your driving history and more.

Cheapest Car Insurance Companies

Bar graph comparing the cheapest auto insurance companies

Factors that affect car insurance rates

The primary factor that affects car insurance rates is the amount of coverage you select. But beyond your elected coverage, many variables will affect your rates including your age, location, vehicle type, accident and violation history and credit score.

Compare rates by:

{"title":"select an option","dropdownOptions":[{"label":"select an option","value":"#"},{"label":"state","value":"#state"},{"label":"accident history","value":"#accident-history"},{"label":"age","value":"#age"},{"label":"credit score","value":"#credit-score"}]}

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe primary factor that affects car insurance rates is the amount of coverage you select. But beyond your elected coverage, many variables will affect your rates including your age, location, vehicle type, accident and violation history and credit score.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECompare rates by:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"DropdownBox--root\"\u003E\n \u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-DropdownBox\" data-component-name=\"DropdownBox\"\u003E\n \u003Cdiv class=\"DropdownBox--root\"\u003E\u003Cdiv class=\"InputDropdown--root DropdownBox--select\"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"selectedOption\" class=\"InputDropdown--select\" name=\"selectedOption\"\u003E\u003Coption value=\"#\"\u003Eselect an option\u003C\/option\u003E\u003Coption value=\"#state\"\u003Estate\u003C\/option\u003E\u003Coption value=\"#accident-history\"\u003Eaccident history\u003C\/option\u003E\u003Coption value=\"#age\"\u003Eage\u003C\/option\u003E\u003Coption value=\"#credit-score\"\u003Ecredit score\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"DropdownBox\"\u003E{\"title\":\"select an option\",\"dropdownOptions\":[{\"label\":\"select an option\",\"value\":\"#\"},{\"label\":\"state\",\"value\":\"#state\"},{\"label\":\"accident history\",\"value\":\"#accident-history\"},{\"label\":\"age\",\"value\":\"#age\"},{\"label\":\"credit score\",\"value\":\"#credit-score\"}]}\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare car insurance rates by state

Insurance is regulated on a state level, and comparing auto insurance rates by state can show how drastically state regulations affect the price of car insurance where you live. Here we've compiled the average cost of insurance for all 50 states and Washington, D.C., and found the cheapest insurer for each.

Auto Insurance Rates by State

State	Cheapest major insurer	Average six-month quote
Alabama	Nationwide	$368
Alaska	GEICO	$243
Arizona	GEICO	$490
Arkansas	State Farm	$339
California	GEICO	$287
Colorado	State Farm	$538
Connecticut	State Farm	$596
DC	Erie	$630
Delaware	GEICO	$658
Florida	State Farm	$1,282
Georgia	Georgia Farm Bureau	$557
Hawaii	Island Insurance	$238
Idaho	State Farm	$303
Illinois	State Farm	$439
Indiana	Erie	$249
Iowa	IMT Insurance	$179
Kansas	State Farm	$327
Kentucky	State Farm	$669
Louisiana	State Farm	$665
Maine	GEICO	$245
Maryland	Erie	$590
Massachusetts	Safety Insurance	$323
Michigan	Auto-Owners	$2,641
Minnesota	State Farm	$491
Mississippi	State Farm	$374
Missouri	State Farm	$437
Montana	State Farm	$320
Nebraska	Nebraska Farm Bureau	$299
Nevada	State Farm	$648
New Hampshire	GEICO	$321
New Jersey	State Farm	$591
New Mexico	State Farm	$350
New York	GEICO	$662
North Carolina	GEICO	$271
North Dakota	Grinnell Mutual	$264
Ohio	GEICO	$281
Oklahoma	State Farm	$371
Oregon	Country Financial	$568
Pennsylvania	Erie	$308
Rhode Island	Progressive	$795
South Carolina	Auto-Owners	$427
South Dakota	American Family	$210
Tennessee	State Farm	$289
Texas	State Farm	$445
Utah	Farm Bureau Mutual	$552
Vermont	State Farm	$276
Virginia	Virginia Farm Bureau	$303
Washington	Mutual of Enumclaw	$353
West Virginia	Westfield	$342
Wisconsin	State Farm	$243
Wyoming	State Farm	$243

Rates are for state minimum coverage for a 30-year-old male with a good driving history.

Compare car insurance rates by accident history

Curious how different insurers change your rates after you get into an accident? We compared rates before and after an accident for the five biggest car insurance companies.

Allstate saw the largest increase in rates after an accident, while State Farm tends to penalize drivers less.

What if you wanted to compare the states in which insurance companies tend to impose the biggest rate increases after an accident? Below, we compare how average insurance rates change after a sample at-fault accident by state, showing the five states where insurers penalize drivers the most, and the five states that are most forgiving of drivers with an accident history.

New York residents are in luck: Their rates only go up by 6% after the sample accident. Every other state sees an average annual rate increase of at least 20%.

If you live in Maine, you should take extra care to be careful on the road! Compared to other states, insurance rates went up by 70% after an accident.

Average annual insurance rates for five major insurers before and after an accident

States with the smallest increases in rates after an accident

Rank	State	Before	After	Difference
1	New York	$2,752	$2,908	6%
2	Louisiana	$3,965	$4,756	20%
3	Wyoming	$2,118	$2,748	30%
4	Tennessee	$1,821	$2,389	31%
5	Hawaii	$1,340	$1,788	33%

Rates are average annual premiums before and after an accident

States with the biggest increases in rates after an accident

Rank	State	Before	After	Difference
1	Maine	$1,268	$2,159	70%
2	California	$1,804	$3,004	66%
3	Massachusetts	$1,866	$3,077	65%
4	Michigan	$8,723	$13,490	55%
5	Indiana	$1,489	$2,315	55%

Rates are average annual car insurance premiums before and after an accident

Compare car insurance rates by age

Age is a major factor when comparing car insurance rates. Younger drivers — considered the riskiest drivers, according to insurance company calculations — pay comparatively more for auto insurance than older drivers, all else equal.

Taking three specific ages as an example: 18, 25 and 30, you can see how insurance rates change over the course of the average young adult's driving life.

Our sample 18-year-old driver pays an average of $7,179 per year for car insurance.
The same driver at 25 years old pays $3,207 per year for car insurance, a decline of 55%.
But as drivers reach adulthood, rates tend to level out. The same driver pays $2,399 per year at 30 years old, only 25% less than a 25-year-old, but easily the lowest car insurance rates of this group.

Average annual car insurance rates by age and company

Our graphic below shows how average auto insurance rates compare for ages ranging from late teens to 30 years old. Car insurance rates generally decline as you age but then spike again in your later years, as senior drivers are thought of as riskier than middle-aged drivers.

Average annual car insurance rates by age

Compare car insurance rates by credit score

We found that drivers with excellent credit can save an average of 35% off their premium compared to those with poor credit.

Credit scores can also be a key factor in determining your auto insurance quote. Insurance companies use a proprietary calculation — called a credit-based insurance score — to rate their customers. Policyholders with good credit scores tend to be offered lower car insurance premiums, while those with poor credit scores tend to be offered higher premiums, all else equal.

We compared average annual insurance rates for 13 major insurers, showing how annual rates change between the same drivers if they have either poor or excellent credit.

Farmers provides the biggest discount for excellent credit profiles, decreasing its rates by 54%.
Metropolitan (or MetLife) provides the smallest discount, only decreasing rates by 12% if our sample driver had an excellent credit history instead of a poor one.

Annual insurance rates for select insurers for poor and excellent credit ratings

Insurer	Poor credit	Excellent credit	Difference
Metropolitan	$1,108	$980	-12%
Nationwide	$1,004	$755	-25%
USAA	$432	$324	-25%
Farm Bureau Mutual (IA Group)	$436	$320	-27%
Erie	$451	$325	-28%
Travelers	$1,486	$967	-35%
Progressive	$938	$582	-38%
GEICO	$842	$520	-38%
American Family	$811	$496	-39%
Allstate	$1,422	$843	-41%
Auto-Owners Insurance Co	$649	$347	-46%
State Farm	$716	$375	-48%
Farmers	$1,509	$692	-54%

Rates are a national average of car insurance policies meeting minimum coverage requirements in all 50 states and Washington D.C.

Some states have outlawed the use of credit scores in determining insurance rates. If you live in one of the following states, your rates will be the same regardless of your credit score.

California
Massachusetts
Hawaii

How to compare car insurance rates

Getting a car insurance quote has become a more straightforward process after the growth of online quote tools. But before quote shopping, you'll have to do some legwork to ensure you're making appropriate car insurance price comparisons. Make sure you take the following three steps before comparing auto insurance companies.

1. Collect relevant personal information before comparing rates

Online car insurance quote tools and insurance agents can provide you with an estimate of your rates, but the estimate will only be as accurate as the information you provide. Make sure you have the following information about you and your vehicle before seeking out a quote.

To obtain an accurate car insurance quote you need the following information:

Your information:

full name
age
address
current issurer (and your policy's declaration page)
license number
equivalent information of any other drivers on the policy

Your vehicle:

model (including year and make)
vehicle information number (VIN)
date of purchase
mileage

Your driving history:

ticket and accident history
any license suspensions

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003E1. Collect relevant personal information before comparing rates\u003C\/h3\u003E\n\n\u003Cp\u003EOnline car insurance quote tools and insurance agents can provide you with an estimate of your rates, but the estimate will only be as accurate as the information you provide. Make sure you have the following information about you and your vehicle before seeking out a quote.\u003C\/p\u003E\n\n\u003Cp\u003ETo obtain an accurate car insurance quote you need the following information:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EYour information:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n full name\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n age\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n address\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n current issurer (and your policy's declaration page)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n license number\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n equivalent information of any other drivers on the policy\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EYour vehicle:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n model (including year and make)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n vehicle information number (VIN)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n date of purchase\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n mileage\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EYour driving history:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n ticket and accident history\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n any license suspensions\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

2. Decide on fixed coverage levels before comparison shopping

Perhaps the most important factor affecting the price of your car insurance policy is how much coverage you choose to buy. Car insurance policies can include the following types of coverages, and when comparison shopping you should make sure you select the same coverage limits for each. In the cases of collision and comprehensive insurance—which don't have limits—you should ensure you select the same deductibles.

Types of coverage:

Liability coverage (for both bodily injury and property damage)
Collision and comprehensive insurance
Personal injury protection (PIP)
Uninsured/underinsured driver coverage

At the end of this piece, we break down when you need to purchase these coverages (liability insurance is usually required by state law), when they're optional and how much of them you should buy.

When you compare vehicle insurance online across multiple insurers, the most important thing is that you keep these coverages and their limits consistent with each insurer. Then you can compare auto insurance quotes side by side knowing that your coverage will be equivalent.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EWhen you compare vehicle insurance online across multiple insurers, the most important thing is that you keep these coverages and their limits consistent with each insurer. Then you can compare auto insurance quotes side by side knowing that your coverage will be equivalent.\n","padding":"normal"}

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003E2. Decide on fixed coverage levels before comparison shopping\u003C\/h3\u003E\n\n\u003Cp\u003EPerhaps the most important factor affecting the price of your car insurance policy is how much coverage you choose to buy. Car insurance policies can include the following types of coverages, and when comparison shopping you should make sure you select the same coverage limits for each. In the cases of collision and comprehensive insurance\u2014which don't have limits\u2014you should ensure you select the same deductibles.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ETypes of coverage:\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Liability coverage (for both bodily injury and property damage)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Collision and comprehensive insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Personal injury protection (PIP)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Uninsured\/underinsured driver coverage\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EAt the end of this piece, we break down when you \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"need to purchase\" href=\"#need\"\u003Eneed to purchase\u003C\/a\u003E\u003C\/span\u003E these coverages (liability insurance is usually required by state law), when they're optional and how much of them you should buy.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw bzRlZR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWhen you compare vehicle insurance online across multiple insurers, the most important thing is that you keep these coverages and their limits consistent with each insurer. Then you can compare auto insurance quotes side by side knowing that your coverage will be equivalent.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EWhen you compare vehicle insurance online across multiple insurers, the most important thing is that you keep these coverages and their limits consistent with each insurer. Then you can compare auto insurance quotes side by side knowing that your coverage will be equivalent.\\n\",\"padding\":\"normal\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

3. Collect and compare quotes

Once you have all your personal information and have decided on appropriate coverage limits, it's time to shop. If you're looking to compare cheap car insurance, you can use our insurance comparison tool.

It's free, simple and secure.

{"buttonText":"Start Comparing","customEventLabel":"","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--649","isDeltyForm":false,"product":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Your Area","trackingKey":"_auto-insurance","trustMessage":"It's free, simple and secure.","vendor":"vp"}

Or you can go to multiple insurer websites, use their quote tools and compare quotes from different companies. A good place to start are our recommendations for the best and cheapest car insurance companies below.

Read on if you're looking to learn how about what factors affect car insurance rates and by how much.

Learn more:

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003E3. Collect and compare quotes\u003C\/h3\u003E\n\n\u003Cp\u003EOnce you have all your personal information and have decided on appropriate coverage limits, it's time to shop. If you're looking to compare cheap car insurance, you can use our insurance comparison tool.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardZipCode\" data-component-name=\"QuoteWizardZipCode\"\u003E\n \u003Cdiv class=\"QuoteWizardZipCode--root\"\u003E\u003Cdiv class=\"QuoteWizardZipCode--form-container\"\u003E\u003Cform id=\"QuoteWizardQuoteForm--649\" class=\"QuoteWizardZipCode--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardZipCode--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_auto-insurance\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardZipCode--fields\"\u003E\u003Cdiv class=\"QuoteWizardZipCode--field-zip-code\"\u003E\u003Clabel class=\"QuoteWizardZipCode--zip-code-label\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/label\u003E\u003Cdiv class=\"ZipCodeInput--root QuoteWizardZipCode--zip-code-input\"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cspan class=\"TextInput--symbol\"\u003E\u003C\/span\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardZipCode--field-submit\"\u003E\u003Cbutton aria-label=\"Start Comparing\" class=\"Button--root Button--primary Button--fluid \" type=\"submit\" value=\"Start Comparing\"\u003EStart Comparing\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardZipCode--trust-message-container\"\u003E\u003Cspan class=\"QuoteWizardZipCode--trust-icon ValuePenguinIcon--inspolicy\"\u003E\u003C\/span\u003E\u003Cspan class=\"QuoteWizardZipCode--trust-message\"\u003EIt's free, simple and secure.\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"QuoteWizardZipCode\"\u003E{\"buttonText\":\"Start Comparing\",\"customEventLabel\":\"\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--649\",\"isDeltyForm\":false,\"product\":\"auto\",\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":\"true\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Your Area\",\"trackingKey\":\"_auto-insurance\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOr you can go to multiple insurer websites, use their quote tools and compare quotes from different companies. A good place to start are our recommendations for the best and cheapest car insurance companies below.\u003C\/p\u003E\n\n\u003Cp\u003ERead on if you're looking to learn how about what factors affect car insurance rates and by how much.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ELearn more:\u003C\/strong\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The best and cheapest car insurance companies\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-car-insurance\"\u003EThe best and cheapest car insurance companies\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The average cost of car insurance this year\" href=\"https:\/\/www.valuepenguin.com\/average-cost-of-insurance\"\u003EThe average cost of car insurance this year\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Methodology

We gathered rates through 50 states and Washington, D.C., for 51 insurance companies. To ensure some level of availability for our recommendations given differing state insurance markets, an insurer is only noted in the lists above if it is available in at least five states.

Our sample driver was a 30-year-old male who drove a 2015 Honda Civic EX, and rates used all available ZIP codes in each state. The driver was profiled as having no credit history, which makes him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

When our driver had a full coverage policy, we gave him coverage limits slightly above any one state's minimum requirements.

Full coverage policy

Coverage type	Study limits
Bodily liability	$50,000 per person/ $100,000 per accident
Property damage	$25,000 per accident
Uninsured/underinsured motorist BI	$50,000 per person/ $100,000 per accident
Comprehensive & collision	$500 deductible
Personal injury protection	Min. when required by state

Our rates for minimum coverage policies represent the average cost of a policy that meets any state's minimum required auto insurance coverage.
Rates by age were drawn solely from the 10 most populous states.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.