Compare car insurance quotes from 25+ companies (with rate calculator)
Whether you are looking for new car insurance or considering switching companies during your upcoming renewal period, comparing quotes is the best way to find a great deal on auto insurance.
Comparing car insurance is a simple process that can save you hundreds of dollars every year. We know how much it feels bad to pay for something extra when there’s a cheaper and better option out there.
We’ve done the hard (and smart) work of comparing rates so you don’t have to. Let us help you compare car insurance quotes that fit your needs and budget.
Our team of experts compared car insurance rates to present you with a data-driven guide.
The savings are real – our data analysis shows that an average policyholder could save $1,600 per year by comparing auto insurance rates.
Compare car insurance quotes from different companies
To help you conduct your insurance quote comparison, we show below how companies compare for three different coverage levels. The driver profile is a male, 30, with a clean record and good credit.
| Company | State Minimum | Liability Only | Full Coverage |
|---|---|---|---|
| Progressive | $315 | $333 | $895 |
| Geico | $318 | $365 | $1,200 |
| North Carolina Farm Bureau | $332 | $374 | $1,141 |
| USAA | $358 | $473 | $1,111 |
| Mississippi Farm Bureau | $376 | $420 | $1,701 |
| Auto-Owners Insurance | $404 | $457 | $1,435 |
| Farmers | $405 | $436 | $1,343 |
| Erie | $414 | $490 | $1,268 |
| Texas Farm Bureau | $414 | $458 | $1,465 |
| Kentucky Farm Bureau | $422 | $469 | $2,193 |
| Safety Insurance | $435 | $558 | $1,217 |
| State Farm | $484 | $561 | $1,505 |
| AAA Texas | $493 | $537 | $1,784 |
| Arbella | $493 | $648 | $1,622 |
| United Financial | $499 | $667 | $1,795 |
| Liberty Mutual | $534 | $628 | $2,082 |
| Mid Century | $553 | $604 | $1,820 |
| Allstate | $555 | $648 | $2,164 |
| Nationwide | $573 | $598 | $1,619 |
| Travelers | $599 | $685 | $1,322 |
| New Jersey Manufacturers | $660 | $785 | $1,660 |
| Illinois Farmers | $681 | $740 | $1,695 |
| Amco | $687 | $784 | $1,798 |
| Louisiana Farm Bureau | $698 | $901 | $2,329 |
| Amica | $703 | $935 | $2,585 |
| Colonial County | $735 | $708 | $1,663 |
| New York Central | $757 | $843 | $2,123 |
| Victoria | $803 | $1,480 | $3,610 |
| Safeco | $840 | $899 | $1,944 |
| Allied | $1,111 | $1,265 | $2,347 |
| Safeway | $1,237 | $1,310 | $3,074 |
| Foremost | $1,417 | $1,749 | $3,569 |
Above shown are average annual rates compared.
Get started with an auto insurance quote comparison
To compare car insurance rates, you will need to first decide how much coverage you need and have the details about your car, location and listed drivers. Also, keep in mind the difference between a car insurance rate comparison and a car insurance quote comparison:
You will get quotes during your research, but the exact amount you pay for coverage – your rate – may be a bit more or less after the insurance company finalizes its calculations.
Compare car insurance quotes in 5 easy steps
Here we will outline the 5 steps you need to take to compare auto insurance rates to find the best value on the coverage you need:
Get an idea of what you can expect to pay.
If you’ve moved or if you just want to get a feel for what car insurance costs in your neighborhood or are a new driver, you can get an idea of what people in your area are paying by using our car insurance comparison tool, showing the average car insurance rate in each ZIP code.
California Car Insurance Rates by ZIP Code
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
Foster City
Highest Rate
$56/mo.
Lowest Rate
$26/mo.
MOST & LEAST EXPENSIVE ZIP CODES in California
| MOST EXPENSIVE PER MONTH |
|---|
| 91205 – Glendale: $91 |
| 90212 – Beverly Hills: $91 |
| 90038 – Los Angeles: $91 |
| 91203 – Glendale: $90 |
| LEAST EXPENSIVE PER MONTH |
|---|
| 96107 – Coleville: $33 |
| 93513 – Big Pine: $34 |
| 96093 – Weaverville: $34 |
| 96027 – Etna: $34 |
| MOST EXPENSIVE PER MONTH |
|---|
| 91205 – Glendale: $91 |
| 90212 – Beverly Hills: $91 |
| 90038 – Los Angeles: $91 |
| 91203 – Glendale: $90 |
| LEAST EXPENSIVE PER MONTH |
|---|
| 96107 – Coleville: $33 |
| 93513 – Big Pine: $34 |
| 96093 – Weaverville: $34 |
| 96027 – Etna: $34 |
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Review your existing policy and assess coverage.
While you shop around for the price and insurance company that is right for you, you should know what coverages are right for you too. If this is a new policy you need to meet at least your state’s minimum liability car insurance requirements. If you simply want to find the cheapest car insurance possible when comparison shopping, you would look for liability coverage only, and in the smallest amount your state will accept. (Legally required minimum liability coverage amounts vary by state.) Bear in mind that some states require so little coverage that an accident might leave any other assets you have, such as a home or savings, vulnerable to lawsuits.
If you’re replacing a policy, review the information on your policy to see if your existing coverage is still the best for you.
The four main types of car insurance you should understand are:
Comprehensive and collision coverage are typically not budget-busters. A comprehensive car insurance comparison analysis by CarInsurance.com shows the national average cost per year is $192. For collision, it’s $526.
Also, decide now what deductible makes sense for your situation. One of the best ways to save on car insurance is to raise your deductible for collision and comprehensive insurance, but remember that if you have a claim, that deductible will be your out-of-pocket expense to repair or replace your car. If you have more than one claim, you’ll have to pay the deductible each time. We recommend you choose an amount that you can pay from savings. Your car won’t be repaired until you pay your share.
Gather your personal information.
If you compare car insurance rates online, it’s easier to compare quotes side-by-side, which saves you from having to repeatedly give out the same information and write down quotes on your own. Once you know what coverage you need, gather the following information to request a car insurance quote.
Start comparing car insurance quotes from different companies.
Now you can begin collecting online car insurance quotes. Request rates from at least three different insurers. Be careful to compare the same coverage by using the same liability limits, identical deductibles and optional coverages.
Also, be sure to follow up with potential insurers about any car insurance discounts you may qualify for. There may be additional discounts offered that are not part of the online quote process. For instance, you may be asked how many miles you drive a year to see if you’re eligible for a low-mileage discount, but you may not be asked what your teen driver’s grades are, which could snag you a good-student discount.
Now that you know what coverages and limits you need, start now by finding car insurance companies in your area.
Research potential car insurance companies before you buy.
When you’re ready to buy, research the insurers that offered you the lowest rate. The National Association of Insurance Commissioners (NAIC) recommends that when you compare insurance companies you take the following steps:
Tips for comparing car insurance quotes from different companies
Understanding variables that impact rates: When you compare car insurance costs, understand that there are many factors that influence car insurance rates. The major considerations include your age, where you live, the type of car you drive, your driving record, your credit history and how much coverage you buy.
Your deductible: The deductible you pay if you have a full coverage policy will increase or decrease your price. Higher deductibles lower your rates because insurers assume you will file fewer claims. If your deductible is $1,000, it doesn’t make sense to file a claim for damage under that amount or even for a bit more than that, since you’ll have to pay the deductible before your insurance pays out. Fewer claims means your potential cost to your insurer is lower, so the amount you pay is lower. On the other hand, a low deductible, say $500, means you’ll likely file more claims. So, a low deductible will increase your rates.
Drop optional coverages if you don’t need it: If you have a car that you own outright and it’s not worth much money, less than $3,000, and is 10 years old or older, it might not make financial sense to carry the optional coverages of comprehensive and collision. You only get paid out up to the actual cash value of your car if you file a claim under these portions of your policy.
Get all the discounts for which you qualify: Not all drivers meet the criteria for all discounts, so be sure to get the ones that match your driver profile. Common car insurance discounts include those for bundling with your home insurance company, paying your policy in full, paying electronically, meeting low mileage requirements, having safety and anti-theft features installed, insuring more than one vehicle with the same company, staying accident-free for three to five years and maintaining a high-grade point average.
Check customer reviews: Be sure to read customer reviews of companies you are considering to buy coverage from. Also, check the social media and Facebook pages of the insurance companies on your list to see what policyholders have to say about their experiences.
Car insurance comparison chart: Compare rates by state with average savings
Below you’ll see the average highest and lowest rates fielded from up to six major insurers for nearly every ZIP code in each state. The difference between the highest and lowest rates is the amount you can potentially save by comparing car insurance quotes from different companies.
| State | Average Rate | Average Highest Rate | Average Lowest Rate | Average $ Savings | Average % Savings |
|---|---|---|---|---|---|
| Michigan | $3,141 | $5,899 | $1,062 | $4,837 | 455% |
| Kentucky | $2,368 | $3,749 | $944 | $2,805 | 297% |
| Washington, D.C. | $2,188 | $3,773 | $1,042 | $2,731 | 262% |
| Delaware | $1,921 | $3,738 | $1,020 | $2,718 | 266% |
| New Jersey | $1,993 | $3,569 | $990 | $2,579 | 261% |
| Nevada | $2,402 | $3,626 | $1,154 | $2,472 | 214% |
| Connecticut | $2,036 | $3,029 | $689 | $2,340 | 340% |
| Florida | $2,162 | $3,079 | $850 | $2,229 | 262% |
| Rhode Island | $2,040 | $2,992 | $763 | $2,229 | 292% |
| Texas | $1,823 | $3,065 | $997 | $2,068 | 207% |
| Arizona | $1,783 | $2,742 | $702 | $2,040 | 291% |
| New York | $2,062 | $2,799 | $824 | $1,975 | 240% |
| Louisiana | $2,601 | $3,345 | $1,429 | $1,916 | 134% |
| Illinois | $1,538 | $2,632 | $763 | $1,869 | 245% |
| Georgia | $1,865 | $2,724 | $1,010 | $1,714 | 170% |
| Pennsylvania | $1,700 | $2,496 | $785 | $1,711 | 218% |
| Wyoming | $1,782 | $2,547 | $944 | $1,603 | 170% |
| Colorado | $1,948 | $2,631 | $1,036 | $1,595 | 154% |
| Massachusetts | $1,466 | $2,134 | $546 | $1,588 | 291% |
| California | $2,125 | $2,593 | $1,052 | $1,541 | 146% |
| Oregon | $1,496 | $2,362 | $837 | $1,525 | 182% |
| Maryland | $1,816 | $2,558 | $1,044 | $1,514 | 145% |
| West Virginia | $1,654 | $2,576 | $1,064 | $1,512 | 142% |
| Montana | $1,963 | $2,605 | $1,111 | $1,494 | 134% |
| Hawaii | $1,589 | $2,321 | $890 | $1,431 | 161% |
| Arkansas | $1,763 | $2,447 | $1,036 | $1,411 | 136% |
| Idaho | $1,285 | $2,078 | $673 | $1,405 | 209% |
| Vermont | $1,410 | $2,212 | $812 | $1,400 | 172% |
| New Mexico | $1,604 | $2,334 | $951 | $1,383 | 145% |
| North Dakota | $1,577 | $2,324 | $949 | $1,375 | 145% |
| New Hampshire | $1,086 | $1,999 | $664 | $1,335 | 201% |
| Mississippi | $1,684 | $2,353 | $1,022 | $1,331 | 130% |
| North Carolina | $1,425 | $2,064 | $767 | $1,297 | 169% |
| Washington | $1,620 | $2,248 | $962 | $1,286 | 134% |
| Wisconsin | $1,335 | $1,890 | $605 | $1,285 | 212% |
| Alabama | $1,713 | $2,299 | $1,036 | $1,263 | 122% |
| Kansas | $1,689 | $2,347 | $1,085 | $1,262 | 116% |
| Minnesota | $1,619 | $2,262 | $1,013 | $1,249 | 123% |
| Oklahoma | $1,815 | $2,376 | $1,127 | $1,249 | 111% |
| Ohio | $1,191 | $1,781 | $537 | $1,244 | 232% |
| Indiana | $1,266 | $1,894 | $672 | $1,222 | 182% |
| Virginia | $1,196 | $1,927 | $712 | $1,215 | 171% |
| Maine | $1,080 | $1,711 | $536 | $1,175 | 219% |
| South Dakota | $1,643 | $2,213 | $1,062 | $1,151 | 108% |
| South Carolina | $1,653 | $2,118 | $986 | $1,132 | 115% |
| Tennessee | $1,493 | $2,028 | $906 | $1,122 | 124% |
| Iowa | $1,352 | $1,955 | $841 | $1,114 | 132% |
| Utah | $1,492 | $1,877 | $800 | $1,077 | 135% |
| Missouri | $1,798 | $2,152 | $1,126 | $1,026 | 91% |
| Nebraska | $1,500 | $1,946 | $972 | $974 | 100% |
| Alaska | $1,560 | $1,994 | $1,022 | $972 | 95% |
| National Average | $1,758 | $2,557 | $910 | $1,647 | 178% |
Compare car insurance quotes side-by-side
If you want to compare car insurance quotes side-by-side, you can do so by filling out forms on car insurance comparison websites such as CarInsurance.com and Insurance.com. Use the CarInsurance.com estimator tool to get a customized recommendation in minutes for how much coverage you need, and be matched with car insurance companies that can provide quotes. At Insurance.com, you can buy coverage after you compare multiple car insurance quotes on a single form.
Factors to consider while doing an auto insurance quote comparison
Many factors affect your car insurance rates. Here we’ll go over the chief variables of your driver profile that insurers consider when pricing your policy.
| Make | Model | Average Rate |
|---|---|---|
| Ford | F-150 XL | $1,370 |
| Chevrolet | Silverado 1500 LT | $1,420 |
| RAM | Ram 2500 Tradesman | $1,536 |
| Toyota | RAV4 Adventure | $1,399 |
| Toyota | Camry LE | $1,604 |
| Chevrolet | Equinox L | $1,390 |
| Honda | CR-V LX | $1,285 |
| Toyota | Corolla L | $1,572 |
| Honda | Civic LX | $1,500 |
| Nissan | Rogue Sport SV | $1,441 |
| Ford | Explorer XLT | $1,453 |
| Toyota | Tacoma SR | $1,411 |
| GMC | Sierra 1500 | $1,385 |
| Jeep | Grand Cherokee Laredo | $1,450 |
| Ford | Escape S | $1,360 |
| Toyota | Highlander LE | $1,472 |
| Nissan | Rogue S | $1,441 |
| Honda | Accord LX | $1,501 |
| Jeep | Wrangler JL Sport | $1,339 |
| Subaru | Forester 2.5I | $1,333 |
| Ford | Escape S | $1,360 |
| Subaru | Outback 2.5I | $1,330 |
| Coverage Type | Avg. Annual Cost | Avg. Monthly Cost |
|---|---|---|
| State Minimum | $574 | $48 |
| 50/100/50 | $644 | $54 |
| 100/300/100 | $1,758 | $147 |
Best times to do an auto insurance quotes comparison
It’s wise to shop your policy at least once a year, upon renewal, to be sure you’ve not overpaying. But you should also compare car insurance quotes when you experience life changes because your existing company may no longer be the most affordable after a major change in your circumstances. That’s because some companies may hike your rates a lot after an accident, for instance, while another may not. Here are other times you should compare car insurance quotes, as your rate is likely to be affected, and switching companies may mean more savings:
If you compare car insurance quotes, you’ll save money because you’ll see which carrier offers the cheapest car insurance for your particular circumstances.
This content was originally published here.
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