It’s essential to compare car insurance quotes if you’re hoping to find the best rates or reduce your monthly premiums. Since each auto insurance company seeks a different type of driver, you’ll likely pay too much if you don’t compare car insurance quotes from multiple providers.

We’ve reviewed the industry’s best car insurance companies to determine which ones offer rock-solid coverage at affordable rates. However, you’ll miss out on the best bargains if you don’t compare several car insurance policy options. Read on to learn how to find the best and cheapest auto insurance for your needs.

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In This Review:

    Why It’s Important To Compare Car Insurance Rates

    It might seem like a major chore to compare car insurance premiums from providers before settling on a plan. In fact, you may already have your top choice in mind. However, it’s always worth getting multiple quotes to compare your options.

    Car insurance rates are always in flux, so there’s never a single provider that has the lowest prices. The company that offers the cheapest car insurance plan for your family members may charge astronomical prices for your policy. Worst of all, you won’t even know you’re paying too much unless you compare your options.

    If you want quality auto insurance coverage at reasonable rates, it’s absolutely critical to compare car insurance plans. Below, we’ll look at factors that affect auto insurance prices to help you determine what a competitive rate for full coverage might look like for your car.

    Compare Car Insurance By Provider

    When you compare auto insurance policies, it’s important to have at least a ballpark estimate of how much each company charges. While there’s never a single provider that offers low rates across the board, some general pricing trends can emerge.

    Generally speaking, you’ll likely find some of the lowest car insurance rates from USAA, Erie Insurance, Auto-Owners Insurance, State Farm, Geico, and Progressive. This may not hold true for every driver, which is why it’s necessary to compare car insurance policies from multiple providers.

    Car Insurance Provider

    Average Monthly Cost

    Average Annual Cost

    USAA

    $84

    $1,013

    Erie Insurance

    $93

    $1,113

    Auto-Owners Insurance

    $102

    $1,229

    State Farm

    $112

    $1,339

    Geico

    $113

    $1,352

    Progressive

    $116

    $1,397

    Nationwide

    $128

    $1,533

    Travelers

    $135

    $1,617

    Farmers

    $169

    $2,032

    The Hartford

    $181

    $2,166

    Allstate

    $203

    $2,430

    USAA is only available to military members, veterans, and their families. Make sure you meet the company’s eligibility requirements before you compare car insurance quotes with USAA.

    An easy way to get a lower car insurance rate is by checking what discount opportunities you may qualify for with each provider. You can often save by bundling liability coverage with your homeowners or renters insurance policy, taking a driver’s education course, remaining accident-free for a certain period of time, and more.

    Compare Car Insurance By Gender And Age

    On average, young men pay the most for auto insurance coverage. Drivers of both genders generally see rates decrease after age 25.

    Gender and Age

    Average Monthly Cost

    Average Annual Cost

    Female, 24

    $198

    $2,375

    Male, 24

    $215

    $2,577

    Female, 35

    $144

    $1,725

    Male, 35

    $145

    $1,740

    Compare Car Insurance By Credit Score

    When you compare car insurance rates, people with stronger credit scores receive lower rates and drivers with poor credit history pay significantly more.

    Credit Score

    Average Monthly Cost

    Average Annual Cost

    Good credit

    $149

    $1,785

    Fair credit

    $182

    $2,183

    Poor credit

    $274

    $3,284

    Compare Car Insurance By Driving Record

    Speeding tickets, at-fault accidents, and DUIs all increase what you pay for auto insurance. Your driving history is used to determine whether you’re considered a high-risk driver, which will be reflected in your rate.

    Driving Record

    Average Monthly Cost

    Average Annual Cost

    Clean driving record

    $149

    $1,785

    1 speeding violation

    $187

    $2,241

    1 car accident

    $224

    $2,689

    1 DUI

    $267

    $3,200

    Compare Car Insurance By State

    The state you live in factors quite considerably into how much you’ll pay for auto insurance. Part of the reason for this is that each state has its own minimum coverage requirements. For instance, you may need uninsured motorist coverage or personal injury protection in one state but not in another.

    Compare car insurance rates for a full coverage policy below and you’ll find that drivers in Michigan, New York, and Louisiana tend to spend the most, while those in Maine, Ohio, and Wisconsin generally pay the least.

    State

    Average Monthly Cost

    Average Annual Cost

    Alabama

    $133

    $1,592

    Alaska

    $115

    $1,374

    Arizona

    $142

    $1,703

    Arkansas

    $125

    $1,498

    California

    $224

    $2,685

    Colorado

    $159

    $1,902

    Connecticut

    $140

    $1,683

    Delaware

    $164

    $1,963

    District of Columbia

    $152

    $1,825

    Florida

    $275

    $3,300

    Georgia

    $136

    $1,635

    Hawaii

    $113

    $1,354

    Idaho

    $101

    $1,215

    Illinois

    $133

    $1,601

    Indiana

    $97

    $1,165

    Iowa

    $97

    $1,164

    Kansas

    $121

    $1,456

    Kentucky

    $168

    $2,015

    Louisiana

    $324

    $3,890

    Maine

    $79

    $942

    Maryland

    $168

    $2,013

    Massachusetts

    $230

    $2,761

    Michigan

    $378

    $4,530

    Minnesota

    $136

    $1,626

    Mississippi

    $117

    $1,399

    Missouri

    $153

    $1,837

    Montana

    $193

    $2,321

    Nebraska

    $122

    $1,467

    Nevada

    $204

    $2,443

    New Hampshire

    $86

    $1,034

    New Jersey

    $188

    $2,259

    New Mexico

    $121

    $1,453

    New York

    $371

    $4,457

    North Carolina

    $116

    $1,391

    North Dakota

    $118

    $1,417

    Ohio

    $82

    $988

    Oklahoma

    $146

    $1,748

    Oregon

    $116

    $1,392

    Pennsylvania

    $124

    $1,486

    Rhode Island

    $169

    $2,031

    South Carolina

    $141

    $1,691

    South Dakota

    $116

    $1,394

    Tennessee

    $108

    $1,300

    Texas

    $185

    $2,219

    Utah

    $130

    $1,559

    Vermont

    $90

    $1,085

    Virginia

    $96

    $1,156

    Washington

    $116

    $1,394

    West Virginia

    $123

    $1,473

    Wisconsin

    $85

    $1,017

    Wyoming

    $132

    $1,586

    Compare Car Insurance By Major City

    Drivers in major cities usually pay premiums that are much higher than in the rest of their states. One notable exception is Houston, where drivers pay slightly less than the average rate across Texas.

    Major City

    Average Monthly Cost

    Average Annual Cost

    Atlanta

    $162

    $1,943

    Baltimore

    $187

    $2,241

    Boston

    $308

    $3,701

    Charlotte

    $119

    $1,426

    Chicago

    $169

    $2,031

    Cleveland

    $94

    $1,132

    Dallas

    $205

    $2,459

    Denver

    $207

    $2,481

    Detroit

    $552

    $6,623

    Houston

    $183

    $2,192

    Las Vegas

    $224

    $2,682

    Los Angeles

    $270

    $3,242

    Miami

    $365

    $4,383

    Minneapolis

    $166

    $1,987

    New York City

    $518

    $6,221

    Orlando

    $332

    $3,985

    Philadelphia

    $205

    $2,464

    Phoenix

    $154

    $1,848

    Portland, Ore.

    $144

    $1,733

    Salt Lake City

    $146

    $1,757

    Seattle

    $133

    $1,596

    St. Louis

    $205

    $2,461

    Washington, D.C.

    $152

    $1,825

    How To Compare Car Insurance Quotes

    Now that you have an idea of how much you may spend on auto coverage, it’s time to compare car insurance rates yourself. Read on if you’re still a bit unsure about how to move through the quotes process.

    1. Collect Personal And Vehicle Information

    You’ll need to mention the following in the application:

    Name

    Occupation

    Accidents or tickets

    Address

    Marital status

    Average number of miles driven each year

    Date of birth

    Car make and model

    You may also want to have your driver’s license number on hand.

    2. Figure Out What Coverage You Need

    Research your state’s minimum car insurance coverage requirements and consider how much additional protection you’d like. It’s strongly recommended that you exceed minimum coverage by adding comprehensive coverage, collision coverage, and medical payments coverage. Nearly all motorists will need bodily injury liability and property damage liability insurance.

    3. Compare Car Insurance Quotes Online Or Over The Phone

    Get personalized free quotes from auto insurance providers before picking a policy. The only way to make sure you get the best and most affordable coverage is by reaching out to many insurers and comparing your options before making a final choice.

    If you’re ready to compare car insurance quotes, start receiving no-obligation cost estimates from leading auto insurers.

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

    Recommendations For Car Insurance

    It’s always best to compare car insurance quotes before making a final pick, but you’ll also want to know which providers offer top-tier service. Our team recommends State Farm and Geico to drivers on the lookout for exceptional service and affordable insurance prices.

    State Farm: Best For Student Drivers

    As seen above, State Farm offers monthly premiums that sit far below the industry norm. Particularly impressive is State Farm’s coverage for student drivers, who normally pay some of the highest rates around. From good student discounts to savings for taking driver training courses, teen drivers can find affordable rates with State Farm car insurance discounts.

    State Farm insurance reviews are also relatively positive, largely because of the company’s personal touch. Despite State Farm being the United States’ largest auto insurer, its local insurance agents place the company right in the middle of communities.

    For more information about the insurer, check out our State Farm insurance review.

    Geico: Best Overall Provider

    Geico is known for offering some of the lowest rates to customers who compare car insurance. While you might expect Geico’s below-average pricing stems from low-quality service, that’s not the case. The company holds an A+ customer service rating from the Better Business Bureau (BBB), and countless customers submit positive Geico insurance reviews.

    You’ll also find some peace of mind from Geico’s A++ financial strength rating from AM Best. This score means Geico can easily cover any damages that might come up during your coverage period. Between its rock-solid reputation, superb financials, and quality customer service, it’s easy to see why our team selected Geico as the Best Overall Provider.

    Read our comprehensive Geico insurance review to learn more.

    Frequently Asked Questions: Compare Car Insurance

    • How do I compare car insurance quotes?

      The best way to compare car insurance quotes is by using an online quote comparison tool that gives the best price estimates from multiple providers at once. By using these quote calculators, drivers can be sure they’re getting the best and most affordable offers on the market.

    • Who has the cheapest car insurance?

      USAA, Erie Insurance, Auto-Owners Insurance, State Farm, Geico, and Progressive all tend to offer cheap car insurance quotes. Remember that quotes are tailored to individuals, so be sure to compare personalized car insurance quotes from providers to find your cheapest option.

    • How do I find the best car insurance quote?

      The best auto insurance quotes can be discovered by using an online quote tool that gives rate estimates from multiple providers. This allows drivers to compare insurance costs and coverage options to find out which company best matches their needs and budgets.

    • Why should I compare car insurance quotes online?

      It’s smart to compare car insurance quotes online because it allows for quick comparison shopping between multiple providers’ offers. Auto insurance rates vary widely between companies, so it’s easy for customers to overpay for coverage. When drivers compare car insurance quotes online, they can make sure they’re getting the best possible coverage at the lowest rates.

    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 a car 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.