The first step when shopping for car insurance is to compare quotes from several top insurers. There are a few ways you can get car insurance quotes, which we’ll explain in this article. The fastest way to compare auto insurance quotes is to use an online comparison tool that shows you multiple options at once.

Our review team researched and ranked several of the best car insurance companies, and these insurers are a good place to start when reaching out for quotes. Our experts will cover how to compare car insurance quotes and help you understand the factors that impact your car insurance premiums. We’ll also list average rates by state to give you a better idea of how much an auto insurance policy might cost you.

Compare car insurance rates
Answer a few simple questions to save money on your policy
In This Review:

    How To Get Car Insurance Quotes

    When starting your search for auto insurance, you have a few options for getting quotes. You can visit a local insurance office or agent to request car insurance quotes. This method often results in the most accurate quote based on your needs and driver profile. However, this can take a long time. It’s generally quicker to call and speak to someone over the phone.

    Faster still is using an online quote tool. Most insurers offer tools like this that provide quote estimates based on the information you provide. Keep in mind that these are quote estimates and may not be your final auto insurance rates. Using online quote comparison tools is a quick and easy way to compare multiple insurance options at once. 

    How To Compare Car Insurance Quotes

    We recommend reaching out for quotes from several auto insurance companies to get an accurate idea of how much car insurance will cost you. To request a car insurance quote, you’ll typically need to provide the following information:

    • Age
    • Gender
    • Marital status
    • Driving history
    • Credit history
    • Vehicle details such as year, make, and model
    • Address
    • Policy needs

    Before requesting a quote, you must decide what auto insurance coverage you need. Are you looking for only minimum car insurance coverage, or do you want a full coverage policy that will pay for car repairs after accidents in which you are at fault? Many online insurance comparison tools will allow you to adjust the amount of coverage to see how each choice impacts your final premium.

    Types Of Car Insurance Coverage

    There are six standard types of coverage you should know about when you shop for car insurance:

    • Liability: Bodily injury liability insurance covers other drivers in accidents that you cause. Property damage liability insurance pays for damages to other drivers’ vehicles in an accident in which you are at fault.
    • Collision: This type of insurance covers your vehicle no matter who is at fault in an accident.
    • Comprehensive: This insurance pays for any damages to your vehicle resulting from environmental factors, such as floods and fires, and incidents like vandalism and theft.
    • Personal injury protection: This insurance covers medical expenses, lost wages, and death benefits for you and your passengers, no matter who is at fault in an accident.
    • Medical payments: This insurance coverage pays for medical expenses for you and your passengers when you’re in an accident.
    • Uninsured/underinsured motorist: This type of insurance covers you when you are in an accident with a driver with little to no insurance or too little insurance. In some states, this insurance also pays for hit-and-runs.

    Average Car Insurance Rates By State

    Every state sets its own standards and regulations for car insurance. As a result, costs can vary greatly from state to state. When comparing car insurance quotes, consider the average costs in your state to get an idea of what you should pay.

    The table below shows average rate estimates in each state for a 35-year-old driver with a clean driving record and good credit.

    State

    Average Annual Cost Estimate

    Alabama

    $1,478

    Alaska

    $1,315

    Arizona

    $1,658

    Arkansas

    $1,462

    California

    $2,519

    Colorado

    $1,688

    Connecticut

    $1,900

    Delaware

    $1,943

    District of Columbia

    $1,812

    Florida

    $2,927

    Georgia

    $1,587

    Hawaii

    $1,255

    Idaho

    $1,113

    Illinois

    $1,494

    Indiana

    $1,106

    Iowa

    $1,121

    Kansas

    $1,364

    Kentucky

    $1,843

    Louisiana

    $3,867

    Maine

    $1,013

    Maryland

    $1,970

    Massachusetts

    $2,632

    Michigan

    $4,430

    Minnesota

    $1,515

    Mississippi

    $1,379

    Missouri

    $1,763

    Montana

    $2,243

    Nebraska

    $1,394

    Nevada

    $2,354

    New Hampshire

    $1,190

    New Jersey

    $2,132

    New Mexico

    $1,385

    New York

    $4,048

    North Carolina

    $1,278

    North Dakota

    $1,341

    Ohio

    $939

    Oklahoma

    $1,652

    Oregon

    $1,302

    Pennsylvania

    $1,447

    Rhode Island

    $1,947

    South Carolina

    $1,610

    South Dakota

    $1,348

    Tennessee

    $1,237

    Texas

    $2,094

    Utah

    $1,463

    Vermont

    $1,029

    Virginia

    $1,109

    Washington

    $1,286

    West Virginia

    $1,418

    Wisconsin

    $970

    Wyoming

    $1,542

    Your auto insurance rates may be significantly higher or lower than the averages listed above. For example, you can expect to pay a lot more for car insurance if you have a recent DUI. Your car insurance quotes are likely to be lower if you are an older driver with good credit and a clean driving record.

    Factors That Impact Your Car Insurance Quotes

    While not all auto insurance companies rate every factor equally, most consider the same variables when setting car insurance rates. When you’re comparing car insurance quotes, keep in mind that the following will be used to determine your premiums.

    • Age: Teen drivers typically receive higher rates.
    • Gender: Except where prohibited (California, Hawaii, Massachusetts, Montana, North Carolina, and Pennsylvania), female drivers typically pay less than male drivers.
    • Marital status: Married drivers tend to pay lower car insurance rates.
    • Driving history: A recent (within the last three years) at-fault accident, traffic violation, or DUI will increase your rates.
    • Credit score: Except where prohibited (California, Hawaii, Massachusetts, Michigan, and Washington), drivers with high credit scores typically receive lower rates.
    • City and state: Drivers in rural areas with lower theft and accident rates will generally pay less for insurance.
    • Car (age, mileage, model): Newer vehicles with fewer miles and more safety and anti-theft features typically receive lower rates.
    • Coverage choices: The more coverage you purchase and the lower your deductible, the more expensive your policy will be.
    • Discount eligibility: Most car insurance providers offer auto insurance discounts for things such as safe driving, safety features, and bundling your auto and homeowners insurance.

    Recommendations For Car Insurance

    When you’re ready to start comparing free car insurance quotes, we recommend getting quotes from multiple top-rated companies to find the best price and coverage for your needs. Two companies we recommend drivers consider are USAA and Geico. Both insurance providers offer comprehensive and reliable coverage and low average rates.

    Compare car insurance rates
    Answer a few simple questions to save money on your policy

    USAA: Best For Military Members

    USAA is a great choice for low-cost auto insurance, but it isn’t available for every driver. You can only sign up for insurance with USAA if you are a member of the U.S. armed services or you have a parent or spouse who has an account with USAA. For those who are eligible for a car insurance policy with USAA, it’s often the provider with the cheapest car insurance rates.

    Through USAA, drivers can purchase the following types of auto insurance coverage:

    • Liability coverage
    • Collision coverage
    • Comprehensive coverage
    • Medical payments
    • Personal injury protection
    • Uninsured and underinsured motorist coverage
    • Rideshare coverage

    USAA has an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best.

    Learn more about this auto insurance provider in our complete USAA insurance review.

    Geico: Best Overall Provider

    Geico is another great choice for cheap car insurance. Unlike USAA, this insurer is available to everyone, though military and government employees are eligible for special Geico car insurance discounts.

    Geico offers the following auto insurance policies:

    • Liability coverage
    • Collision coverage
    • Comprehensive coverage
    • Medical payments
    • Personal injury protection
    • Uninsured and underinsured motorist coverage
    • Mechanical breakdown insurance

    Geico maintains an A+ rating from the BBB and an A++ financial strength rating from AM Best.

    For more information about the company’s car insurance coverage, read our full Geico insurance review.

    FAQ: Car Insurance Quotes

    • Who has the cheapest car insurance?

      While the cheapest car insurance provider will be different for every driver, we found that USAA, Erie, Auto-Owners, State Farm, and Geico offer some of the cheapest average insurance costs based on our annual rate estimates. It’s best to compare quotes from multiple providers to find the cheapest option for you.

    • What is the best way to get car insurance quotes?

      One of the quickest ways to get car insurance quotes is by using an online quote tool. This will provide multiple options at once to help you compare cost and coverage choices. You can also visit a local insurance agent, use a specific provider’s online quote tool, or contact a provider directly by phone.

    • How can I get the cheapest car insurance rates?

      When you’re searching for car insurance, we recommend getting personalized quotes from multiple providers to find the cheapest rate based on your driver profile. You can also take advantage of any policy discounts or safe driving programs that insurers offer to lower your rates.

    • What is an auto insurance premium?

      An auto insurance premium is the amount of money you will pay an insurer when you purchase a policy from them. Car insurance costs are based on several different factors along with the type of coverage you choose. 

    • Who has the best car insurance coverage?

      In our industry-wide review of the best car insurance companies, we named Geico, USAA, Progressive, State Farm, and Allstate as leading providers in the industry. We chose these companies based on their cost, coverage, reliability, and service. We recommend getting quotes from these providers when you start shopping for car insurance.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make an auto insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.