Car Insurance Near Me

Finding a car insurance company based near you can come with a lot of benefits.

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Smaller regional companies tend to offer cheap rates and reliable customer service. You might find it easier to work with an agent whose office is nearby versus someone located in a call center across the country.

Many large insurance companies and regional providers have local agents who understand the needs of drivers near you. Additionally, working with someone near you can make the claims process much easier if you're ever in an accident.

Best car insurance near me

State Farm is the best car insurance company in 21 states based on customer service reviews, coverage availability and the overall value it provides to drivers across the country.

However, the best car insurance near you may be different. Farm Bureau and Erie offer dependable customer service and affordable rates in the states where they sell insurance.

Map of the best car insurance companies by state

The best car insurance near you also depends on factors like your driving history and age. For that reason, it's important to compare quotes from multiple companies to find the best company for you.

Best company
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Car insurance rates near me

Where you live can have a big impact on your car insurance rates. For example, drivers in Vermont pay $92 per month for full coverage auto insurance, on average. People living in Michigan pay four times as much for the same coverage, at $399 per month.

Monthly car insurance rates near me

It's important to compare rates from a handful of companies near you to find the best price for car insurance.

Cheap monthly car insurance rates near me

Compare rates in your state

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Frequently asked questions

Who normally has the cheapest car insurance?

State Farm usually has the cheapest rates among national car insurance companies. However, a smaller regional company like Auto-Owners, Erie or Farm Bureau may have the cheapest rates near you.

Is it better to use a local insurance agent?

This depends on how you prefer to communicate with your insurance company. If you're looking for a one-on-one relationship, or prefer speaking with someone in person or on the phone, then a local agent is the best choice for you. However, if you're more comfortable managing your insurance with an app and prefer virtual chat to phone calls, you may not benefit from working with a local agent.


To find rates by state, ValuePenguin compared quotes from the top insurance companies in each state. Rates are for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Full coverage limits are greater than any one state's minimum requirement. Full coverage also includes comprehensive coverage, collision coverage and uninsured/underinsured motorist bodily injury coverage.

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist bodily injury liability: $50,000 per person, $100,000 per accident
  • Comprehensive and collision: $500 deductible
  • Personal injury protection: Minimum when required by state

The best car insurance companies offered quotes in at least five states. ValuePenguin editors rated insurance companies based on J.D. Power customer satisfaction survey scores, data from the National Association of Insurance Commissioners (NAIC) complaint index, coverage availability and the overall value provided to customers.

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.