Compare car insurance quotes from 25+ companies (with rate calculator)

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

State Minimum:
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
For  30  Year Old   Male  (Type:  Liability – Minimum )
highest rate
Highest Rate
lowest rate
Lowest Rate


91205 – Glendale: $91
90212 – Beverly Hills: $91
90038 – Los Angeles: $91
91203 – Glendale: $90
96107 – Coleville: $33
93513 – Big Pine: $34
96093 – Weaverville: $34
96027 – Etna: $34

91205 – Glendale: $91
90212 – Beverly Hills: $91
90038 – Los Angeles: $91
91203 – Glendale: $90
96107 – Coleville: $33
93513 – Big Pine: $34
96093 – Weaverville: $34
96027 – Etna: $34
How we researched it? 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 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 and Use the 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, 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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