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.

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




    Erie Insurance



    Auto-Owners Insurance



    State Farm


















    The Hartford






    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



    Male, 24



    Female, 35



    Male, 35



    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



    Fair credit



    Poor credit



    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



    1 speeding violation



    1 car accident



    1 DUI



    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.


    Average Monthly Cost

    Average Annual Cost

























    District of Columbia































































    New Hampshire



    New Jersey



    New Mexico



    New York



    North Carolina



    North Dakota















    Rhode Island



    South Carolina



    South Dakota





















    West Virginia









    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































    Las Vegas



    Los Angeles









    New York City












    Portland, Ore.



    Salt Lake City






    St. Louis



    Washington, D.C.



    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:



    Accidents or tickets


    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.