Compare car insurance quotes in 2024
Compare car insurance quotes in 2024
Key points
- Comparing car insurance quotes regularly can help you find the best rate.
- Your driving history, vehicle, location, age and gender can all affect the amount you pay for car insurance.
- Car insurance quotes are free and can usually be obtained within minutes online, over the phone or in person with an insurance agent.
The cost of car insurance is on the rise, so shopping around and comparing car insurance quotes is a good way to make sure you’re getting the best deal for the coverage you want
Comparing car insurance rates
There are several ways to compare car insurance quotes, including online, via phone or by working directly with an insurance agent or broker.
Your auto insurance quotes will be determined by personal factors such as your age, driving record, vehicle and ZIP code. We collected data from top car insurance companies to help you see how these factors and more may impact your quoted rates.
Compare car insurance quotes:
- By company
- By state
- By age and gender
- By credit history
- For drivers with a DUI
- For drivers with an at-fault accident
- For drivers with a speeding ticket
- For seniors (ages 65 to 80)
- For parents adding a teen driver (ages 16 to 18)
Compare car insurance rates by company
The average cost of car insurance for a good driver is $2,026 per year or $169 per month. However, rates vary by insurer. Many of the insurers in our analysis, including USAA and Nationwide, offer average rates well below the national average.
Compare car insurance rates by state
Where you live will play a big role in how much you pay for coverage, with drivers in some states paying significantly more than the national average of $2,026 per year.
Drivers in Florida ($3,865 per year) and Louisiana ($3,545 per year) have to contend with some of the highest rates in the nation. Vermont ($1,158) and Idaho ($1,246) are home to the lowest average rates for good drivers.
Use the map below to see how much the average cost of coverage is in your state.
Full coverage car insurance rates are based on liability coverage of 100/300/100 ($100,000 in bodily injury liability per person, $300,000 per accident and $100,000 in property damage liability), uninsured motorist coverage and collision and comprehensive insurance with a $500 deductible.
Compare car insurance rates by age and gender
Auto insurance companies always factor a driver’s age in when determining rates, with teen and young adult drivers paying more for coverage because they lack experience behind the wheel.
Many insurers also factor in your gender, with male drivers frequently paying more than female drivers. This practice is banned in California, Hawaii, Massachusetts, Michigan and North Carolina.
| AGE | AVERAGE NATIONAL RATES FOR MALE DRIVERS | AVERAGE NATIONAL RATES FOR FEMALE DRIVERS |
|---|---|---|
| 18 | $6,640
| $5,657
|
| 20 | $4,885
| $4,114
|
| 25 | $2,537
| $2,385
|
| 30 | $2,197
| $2,181
|
| 40 | $2,104
| $2,117
|
| 50 | $1,969
| $1,973
|
| 60 | $1,924
| $1,906
|
| 70 | $2,127
| $2,071
|
| 80 | $2,661
| $2,486
|
Compare car insurance rates for drivers with poor credit
The average cost of car insurance with poor credit is $3,847 per year or $321 per month. In most states, a car insurance company can use a credit-based insurance score when determining your rate. Credit-based insurance scores use some of your credit information to help determine your rate. Drivers with poor credit often have significantly higher rates.
Use the table below to compare the cost of car insurance for drivers with poor credit.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
Nationwide
| $2,051
| $171
|
USAA
| $2,450
| $204
|
Geico
| $2,482
| $207
|
Travelers
| $2,699
| $225
|
Progressive
| $3,221
| $268
|
Westfield
| $3,403
| $284
|
Mercury
| $3,583
| $299
|
Direct Auto
| $3,637
| $303
|
Erie
| $3,701
| $308
|
Similar to your credit score, your insurance-based credit score is a three-digit number that represents your financial risk. The exact factors (and their weights) used to determine your insurance-based credit score can vary by company but typically include:
- Your existing debt, such as mortgages, credit cards and installment loans.
- Your payment history.
- The age of your credit accounts.
- Number of applications during a specific period of time.
- The type of credit accounts you have.
Expert tip: If you have poor credit, you can improve your credit score — and your insurance-based credit score — by making timely payments and keeping low credit card balances.
Compare car insurance rates for drivers with a DUI
A DUI can be costly on a number of levels. You could harm yourself or someone else and you could face jail time and/or a license suspension. You’ll also pay a lot more for your car insurance. The average cost of car insurance after a DUI is $3,363 per year, or $280 per month — 71% more when compared to the average good driver rate.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
Progressive
| $2,307
| $192
|
USAA
| $2,604
| $217
|
Travelers
| $2,610
| $218
|
Erie
| $2,665
| $222
|
State Farm
| $2,716
| $226
|
Nationwide
| $3,083
| $257
|
Mercury
| $3,172
| $264
|
Auto-Owners
| $3,578
| $298
|
Geico
| $3,723
| $310
|
Compare car insurance rates for drivers in an at-fault accident
Your insurer may increase your rate if you’re at fault for an accident. After an accident with property damage, the average car insurance rate is $2,994 per year, or $250 per month — a 48% increase compared to good driver rates.
An accident with bodily injuries increases rates by an average of 49%, costing drivers an average of $3,009 per year, or $251 per month.
| COMPANY | AVERAGE MONTHLY RATE AFTER AN ACCIDENT WITH INJURIES | AVERAGE MONTHLY RATE AFTER AN ACCIDENT WITH PROPERTY DAMAGE |
|---|---|---|
USAA
| $163
| $168
|
Erie
| $185
| $177
|
Travelers
| $191
| $185
|
Nationwide
| $195
| $192
|
State Farm
| $202
| $202
|
Auto-Owners
| $212
| $212
|
Geico
| $229
| $227
|
Progressive
| $231
| $235
|
Westfield
| $242
| $242
|
Compare car insurance rates for drivers with a speeding ticket
Car insurance companies see a speeding ticket as a red flag, associating the violation with increased risk. On average, a driver with one speeding ticket pays $2,533 per year, or $211 per month, for coverage. That’s about 25% more than the rates for a driver with a clean record. Additional speeding tickets can send rates even higher.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
USAA
| $1,661
| $138
|
Nationwide
| $1,878
| $157
|
Erie
| $1,899
| $158
|
Travelers
| $2,062
| $172
|
Geico
| $2,150
| $179
|
State Farm
| $2,270
| $189
|
Westfield
| $2,335
| $195
|
Progressive
| $2,350
| $196
|
Auto-Owners
| $2,457
| $205
|
Have violations on your record? Best car insurance for high-risk drivers
Compare car insurance rates for seniors
According to the most recent Insurance Institute for Highway Safety (IIHS) data, senior drivers are involved in fewer fatal car accidents than in the past. Still, drivers aged 70 and older are involved in more fatal crashes per mile traveled than middle-aged drivers. Older drivers also typically pay more for coverage as they age.
- Age 65: $1,892 per year, or $158 per month.
- Age 70: $2,011 per year, or $168 per month.
- Age 75: $2,223 per year, or $185 per month.
- Age 80: $2,474 per year, or $206 per month.
Here’s a look at how senior car insurance rates compare by age and insurer.
| COMPANY | AVERAGE MONTHLY RATE AT 65 | AVERAGE MONTHLY RATE AT 70 | AVERAGE MONTHLY RATE AT 75 | AVERAGE MONTHLY RATE AT 80 |
|---|---|---|---|---|
USAA
| $105
| $112
| $125
| $144
|
Nationwide
| $105
| $110
| $120
| $132
|
Travelers
| $121
| $129
| $144
| $163
|
Erie
| $129
| $139
| $158
| $184
|
Geico
| $131
| $139
| $158
| $169
|
Auto-Owners
| $136
| $143
| $150
| $174
|
Progressive
| $140
| $151
| $169
| $185
|
State Farm
| $154
| $160
| $171
| $185
|
Mercury
| $162
| $176
| $199
| $217
|
Compare car insurance rates after adding a teen driver to a parent policy
Teens have the highest rates of all age groups, a reflection of their lack of driving experience and the risk that carries. Adding a teen driver to a parent’s policy is significantly cheaper than it is for a teen to purchase their own policy.
How much you’ll pay for a teen driver on your policy will depend, in part, on their age:
- Age 16: $4,951 per year, or $413 per month.
- Age 17: $4,530 per year, or $377 per month.
- Age 18: $4,198 per year, or $350 per month.
Here’s how much it may cost for teen car insurance if you add a 16-, 17- or 18-year-old to your policy.
| COMPANY | AVERAGE MONTHLY RATE ADDING A 16-YEAR-OLD | AVERAGE MONTHLY RATE ADDING A 17-YEAR-OLD | AVERAGE MONTHLY RATE ADDING AN 18-YEAR-OLD |
|---|---|---|---|
Nationwide
| $249
| $241
| $233
|
Erie
| $295
| $274
| $259
|
USAA
| $328
| $265
| $226
|
Progressive
| $358
| $355
| $306
|
Geico
| $363
| $332
| $311
|
State Farm
| $388
| $353
| $324
|
Travelers
| $394
| $347
| $309
|
Auto-Owners
| $405
| $358
| $332
|
Mercury
| $421
| $420
| $382
|
How to compare car insurance policies
Here are some tips on how to properly compare car insurance policies to make sure you’re getting the proper coverage for the best price.
- Collect quotes for the same types and amounts of coverage. If you’re considering various coverage amounts or aren’t sure if you want to include optional coverage, like collision and comprehensive, get quotes for each option from each insurer.
- Don’t limit your comparison to price. While rates are a great place to start, the best car insurance company for you may not be the cheapest one.
- Compare offerings and features. Not all policies are created equal. Some insurers may offer features like a disappearing deductible or add-ons like gap insurance while others don’t. Consider your current and potential needs and how an insurer will be able to meet them.
- Review the insurer’s websites, mobile apps and other resources. See how they fit with your policy management expectations and coverage needs.
- Consider bundling options. Most insurance companies provide discounts to customers who purchase more than one policy, such as car insurance and homeowners or renters insurance.
- Look for discounts. Most insurers offer at least a few car insurance discounts, like multi-policy/bundling discounts, good student discounts and safety feature discounts. Once you narrow your list of potential insurers down, contact each to find out if you’re eligible for any discounts not included in your quote.
- Evaluate car insurance reviews. You can do this from third-party sites and organizations as well as from friends and family who have experience with the insurer.
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Comparing car insurance rates: Where to get quotes
The first step to getting car insurance quotes is to know where to look. You have several options.
Shop online
Most car insurance companies allow you to enter some basic information about yourself and your vehicle on their website to help you get your quote. You may also be able to get a quote for a home and auto insurance bundle, depending on the insurer.
Over the phone
If you prefer to speak with someone to get a quote, or if you can’t complete your quote online, you can call an insurance company directly. If you call the insurer directly, you’ll work with a captive agent who represents only the insurer you called.
You can also choose to work with an independent agent over the phone. These agents don't work for a specific company, meaning they can provide quotes from multiple insurers.
In person
If the auto insurance companies you’re considering have branches nearby, or if you’re working with an independent agent with a local office, you can get a car insurance quote face-to-face.
Like quotes over the phone, working face-to-face with an insurance agent can help you better understand policy options and discuss your coverage needs. However, if an insurer doesn’t have an office nearby, you may miss out on a quote from them by limiting yourself to in-person quotes.
Using online car insurance comparison tools
Another way to get car insurance is through online car insurance comparison websites. These sites are a great place to start your search because they give you access to multiple insurers at once, using a single quote application. After you submit your information, you’ll receive quotes from multiple insurers, either on the website, via email or by phone.
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What is the cheapest car insurance?
USAA has the best cheap car insurance, based on our analysis of the top insurers in the nation. However, USAA insurance products are only available to members of the military community and their eligible family members. If you’re not eligible for USAA, consider a policy with Auto-Owners. It has the second lowest rates for most drivers. Geico, Westfield, Nationwide and Travelers also offer competitive car insurance rates.
Cheapest car insurance comparison
| COMPANY | OUR RATING | AVERAGE MONTHLY RATE | AVERAGE ANNUAL RATE |
|---|---|---|---|
 USAA | $114 | $1,364 | |
 Nationwide | $120 | $1,436 | |
 Travelers | $127 | $1,521 | |
 Geico | $133 | $1,597 |
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