Compare Car Insurance Quotes

Comparing car insurance quotes is the only way to ensure you are getting the best deal. Enter your information on the right to compare auto insurance quotes among multiple insurers, or read on to see our analysis on how to shop and what factors affect car insurance rates.

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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.




step 1

Collect relevant personal information before comparing rates


checklist

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

step 2

Decide on fixed coverage levels before comparison shopping


price check

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.

  • 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 state law means you need to purchase these coverages (liability insurance is usually required by state law, for example), when they're optional and how much of them we recommend 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.


step 3

Collect and compare quotes


calculator

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 at the top of the page. 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:

Ready to compare rates from top insurers?

Comparing 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.

We took a sample driver and altered his location, characteristics and driving history to create a comprehensive car insurance price comparison analysis. These quotes apply to our sample driver and should serve as a guide rather than a prediction of what your auto insurance rates will be.

compare rates by: state | accident history | age | credit score


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. Below, we've ranked the 50 states and Washington, D.C., from cheapest to most expensive for a sample policy.

Policy with comprehensive and collision insurance

RankStateAnnual premium
1ME$1,268
2HI$1,340
3NC$1,434
4IA$1,482
5IN$1,489
6VA$1,498
7AK$1,502
8WI$1,590
9OH$1,688
10WA$1,691
11VT$1,769
12ID$1,777
13CA$1,804
14TN$1,821
15MA$1,866
16ND$1,979
17NH$2,004
18SC$2,013
19PA$2,018
20NE$2,038
21AL$2,078
22WY$2,118
23WV$2,131
24KS$2,190
25NM$2,194
26OR$2,205
27MS$2,208
28AR$2,213
29MN$2,271
30IL$2,313
31SD$2,338
32MD$2,431
33DE$2,513
34MT$2,525
35UT$2,538
36MO$2,584
37TX$2,594
38GA$2,619
39CT$2,619
40OK$2,659
41AZ$2,699
42NY$2,752
43D.C.$2,793
44NJ$3,013
45CO$3,164
46NV$3,190
47FL$3,370
48KY$3,418
49LA$3,525
50RI$3,847
51MI$8,723
Rates are for a full coverage policy as detailed in our methodology at the bottom of the page.

Comparing the cheapest state, Maine, where our sample driver is charged $1,268 per year, to the most expensive state, Michigan, where our sample driver is charged $8,723 per year, shows the potential range in quotes. Note that car insurance prices in your area may vary significantly.

The rates here are for a policy with comprehensive and collision insurance, but what if you just want a policy that only meets your state's minimum requirements? In any individual state, this would be the cheapest auto insurance policy you can get. Next, we compare car insurance rates by state for policies that only meet the respective state minimums.

Cheapest policy meeting your state's minimum requirements

RankStateAnnual premium
1IA$357
2SD$420
3HI$475
4AK$485
5WY$485
6WI$486
7ME$489
8IN$498
9ND$528
10NC$542
11VT$552
12OH$561
13CA$574
14TN$577
15NE$599
16ID$606
17VA$607
18PA$615
19MT$641
20NH$643
21MA$646
22KS$654
23AR$677
24WV$685
25NM$699
26WA$706
27AL$736
28OK$742
29MS$749
30SC$854
31MO$874
32IL$878
33TX$890
34AZ$980
35MN$983
36CO$1,075
37UT$1,105
38GA$1,114
39OR$1,136
40MD$1,180
41NJ$1,182
42CT$1,192
43D.C.$1,260
44NV$1,295
45DE$1,316
46NY$1,323
47LA$1,329
48KY$1,338
49RI$1,589
50FL$2,565
51MI$5,282
Rates are for an auto insurance policy fulfilling minimum state mandates.

Michigan ($5,282) still ranks as the most expensive state for minimum coverage, much pricier than the cheapest state: Iowa ($357 per year).


Compare car insurance rates by accident history

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

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

This graph shows car insurance rates for five major insurers before and after an accident.
This graph shows car insurance rates for five major insurers before and after an accident.

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.

States with the smallest increases in rates after an accident ...

StateBeforeAfterDifference
New York$2,752$2,9086%
Louisiana$3,965$4,75620%
Wyoming$2,118$2,74830%
Tennessee$1,821$2,38931%
Hawaii$1,340$1,78833%
Rates are average annual premiums before and after an accident causing $2,000 of property damage for which the driver is at-fault

… compared to states with the biggest increases in rates.

StateBeforeAfterDifference
Michigan$8,723$13,49055%
Indiana$1,489$2,31555%
Massachusetts$1,866$3,07765%
California$1,804$3,00466%
Maine$1,268$2,15970%
Rates are average annual premiums before and after an accident causing $2,000 of property damage for which the driver is at-fault

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.

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

This graph shows average car insurance rates for a selection of ages from 18 to 30.
This graph shows average car insurance rates for a selection of ages from 18 to 30.

Compare car insurance rates by credit score

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

InsurerPoor creditExcellent creditDifference
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, the quality of your credit score will not affect your car insurance rates.

  • California
  • Massachusetts
  • Hawaii

How to estimate how much car insurance you need

Before you begin insurance shopping, you'll have to decide on fixed coverage levels so that you can make like-for-like comparisons across auto insurers. Below, we've provided a quick cheat sheet for how much state law may require you to buy — and how much we recommend you actually do buy — of the main coverages offered in a car insurance policy. Ultimately, the choice is up to you in balancing the expense of increased coverage with the comfort of more protection.


Liability insurance

  • What is it?

    Liability insurance covers the cost of bodily injury or property damage to others if you're at fault in an accident.

  • Do you need it?

    Unless you live in New Hampshire, yes. Every other state, and Washington, D.C., requires some degree of liability protection.

  • How much should you have?

    Requirements for minimum coverage limits differ by state. Regardless, a good rule of thumb is to buy per accident bodily injury liability limits high enough to cover your net worth. That means, if you're at fault in a major crash, you have sufficient coverage to protect you against the cost of injuries to others.

Comprehensive and collision insurance

  • What is it?

    Collision insurance covers damage to your car that happens on the road, whether it's an accident involving another vehicle or with an inanimate object. Comprehensive insurance covers damage to your car that comes from events unrelated to driving, such as theft or weather damage.

  • Do you need it?

    If you lease a car or borrowed money to finance the purchase, your lender will likely require you to buy this insurance. If you purchase a car on your own, you aren't required to buy these coverages, but we recommend getting them if the value of your car exceeds $3,000.

  • How much should you have?

    Comprehensive and collision insurance don't have limits. Instead, your insurer will cover the damage to your car up to its actual cash value, minus your deductible.

Personal injury protection (PIP)

  • What is it?

    Covers the medical costs of injury to you or your passengers in an accident, regardless of fault. It also covers the cost of missing work if an injury leaves you incapable of working for some period.

  • Do you need it?

    12 states require some form of PIP: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah. Residents of the remaining states are not mandated to buy PIP. Many health insurance policies may cover your medical costs after an accident, but PIP also offers coverages for lost wages related to an injury.

  • How much should you have?

    If you're not in a state with PIP requirements and you have health insurance, we recommend you buy PIP if your health insurance does not cover auto-related injuries or if you want coverage for lost wages. If you don't have health insurance, we advise working with an insurance agent to purchase an affordable amount of PIP to protect you against the cost of injury to yourself in a crash.

Uninsured or underinsured motorist insurance

  • What is it?

    Covers property damage or bodily injury to you or your passengers if another at-fault driver has insufficient insurance to cover the costs (underinsured motorist insurance) or if the driver has no insurance at all (uninsured motorist insurance).

  • Do you need it?

    About half the states in the country require uninsured and/or underinsured motorist insurance. If you're not in one of those states, we recommend buying this coverage for two reasons. The first is that it's usually quite affordable. The second is that one in eight drivers in the U.S. is uninsured, leaving you and other drivers at risk.

    However, drivers who have PIP and collision and comprehensive insurance don't need uninsured or underinsured motorist insurance. These coverages protect you against the cost of bodily injury or damage to your car, so they overlap with uninsured or underinsured motorist coverage.

  • How much should you have?

    We recommend purchasing limits for these coverages in a similar amount to your bodily injury and property damage liability coverage limits.

Auto Insurance Research & Advice

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Auto Insurance Requirements in Connecticut

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Auto Insurance Requirements in Oklahoma

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Auto Insurance Requirements in Oregon

Here is Oregon's minimum auto insurance coverage requirement: bodily injury and property damage of 25/50/20, personal injury protection of... Read More

Auto Insurance Requirements in Kentucky

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Defensive Driving Courses in Indiana

Drivers in Indiana can take a Driver Safety Program (DSP) to reduce their auto insurance rates and the number of points on their driving... Read More

Auto Insurance Requirements in Louisiana

Louisiana mandates bodily injury and property damage coverage with minimum limits of 15/30/25. Read about what this means to motorists... Read More

Auto Insurance Requirements in South Carolina

South Carolina motorists must carry bodily injury coverage of $25,000 per person and $50,000 per accident, property damage coverage of $25,... Read More

Auto Insurance Requirements in Alabama

Here is Alabama's minimum liability requirement for auto insurance: $25,000 of bodily injury per person, $50,000 of bodily injury per... Read More

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 typeStudy 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 protectionMin. 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.