Compare Car Insurance Quotes and Get the Best Rate

Check out’s auto insurance comparison tool for the cheapest rates from the nation’s top insurance companies.

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Comparing multiple car insurance quotes is the best way to get cheaper insurance. We’ll help you understand the importance of comparing quotes, how to compare them, and the factors that affect your premiums.

Key Takeaways

  • Car insurance rates can vary wildly from company to company, which means the best way to save money is to get quotes from multiple insurance companies.
  • Factors such as your age and gender, driving history, the kind of car you drive, and where you live all play big roles in how much you’ll pay for car insurance.
  • Using insurance comparison sites (like is the best way to quickly and easily compare quotes from multiple insurance companies simultaneously.

Why It’s Important to Compare Car Insurance Quotes

“It’s very important for consumers to compare auto insurance quotes because it’s the easiest way to find better deals and less expensive premiums,” says Michael DeLong, research and advocacy associate at the Consumer Federation of America.  “Competition drives our economic system; comparing rates allows consumers to see all the best insurance premium options available.”

Insurance comparison sites make it quick and easy to compare quotes online, saving you time and money. We compared average quotes from dozens of car insurance companies for different driving profiles and rating factors to show you how much you could save.

Compare the Best Quotes from Dozens of Companies

Compare Quotes from the 10 Largest Insurers of 2023

Rates can vary dramatically among different companies because each weighs rating factors differently. “Auto insurers use driving, non-driving, and socioeconomic factors to determine your premiums,” DeLong says. These factors include your driving record, age, marital status, credit score, ZIP code, occupation, education level, and homeownership status.

The table below compares car insurance quotes for the country’s 10 largest auto insurance companies by market share.

Insurer Liability-Only Full Coverage
AAA $106 $206
Allstate $110 $273
American Family $95 $166
Erie $67 $146
Farmers $151 $295
GEICO $68 $159
Nationwide $135 $250
Progressive $105 $211
State Farm $76 $139
Travelers $124 $250

Our analysis indicates that Erie, GEICO, State Farm, and American Family are the cheapest car insurance companies for liability-only and full-coverage car insurance. These insurance companies average less than $100 per month for liability-only and $200 for full-coverage auto insurance.

These rates are national averages that don’t represent all driver profiles. We break down average rates below for different rating factors.

Compare Quotes from the Cheapest Car Insurance Companies of 2023

Man using cell phone to purchase car insurance

Just because an insurance company is large and advertises significant savings doesn’t mean it will be the cheapest option for you. When you compare car insurance quotes, don’t be afraid to check out lesser-known insurance companies.

We compared 10 companies in the table below with the cheapest average quotes, sorted by the cheapest overall average.

Insurer Liability-Only Full Coverage Overall Average
Auto-Owners $55 $141 $98
Erie $67 $146 $107
State Farm $76 $139 $108
NJM Insurance $81 $137 $109
Plymouth Rock $75 $143 $109
GEICO $68 $159 $114
Grange $65 $174 $120
Root $89 $162 $126
American Family $95 $166 $131
Southern Farm Bureau $100 $178 $139

If you only need liability insurance, we found Auto-Owners, Grange, Erie, GEICO, and Plymouth Rock have the cheapest average quotes. But for full coverage, the most affordable companies are NJM Insurance, State Farm, Auto-Owners, Plymouth Rock, and Erie.

Although Grange has affordable rates for liability coverage, its full-coverage rates were the second-highest, with Southern Farm Bureau averaging the most expensive in both categories. These are just some examples of why you should compare car insurance online to see which company is the cheapest option.

How to Compare Car Insurance Quotes Online

Comparing car insurance quotes online can be quick and easy if you know how to do it. You can get free car insurance quotes online and, using these tips, find the best coverage from the most affordable company for your unique needs.

1.    Determine your budget

Before you start comparing quotes, you need to determine your budget, the type of insurance you need, and how much coverage you require. By doing this as your first step, you can quickly weed out overpriced insurance companies and focus on the insurers with the lowest prices.

2.    Gather the relevant information

Make sure you have the right information available, like your:

  • Date of birth
  • Social Security number
  • Driver’s license number
  • Vehicle identification number (VIN)
  • Current coverage details

3.    Use an insurance-comparison website

Insurance-comparison websites like make comparing quotes faster and easier because you only have to input your information once. Plus, you can compare prices and coverage options from different companies at the same time.

4.    Research companies with the best quotes

The largest insurance companies won’t always have the best price for your specific needs. Do your research before committing to an insurer. Third-party websites analyze insurance companies based on customer feedback and experience on things like website and mobile performance, shopping experience, the claims process, and financial strength:

5.    Select the best quote for you

After researching, you should have narrowed down your list to a few insurance companies. It’s time to choose which company best meets your coverage needs and budget. Review your auto insurance quotes again and select the best quote for you. Then, complete the application for your new policy.

6.    Compare quotes again at renewal

When your policy comes up for renewal, you’ll typically get a renewal notice about 30 days before your renewal date. Take some time to compare car insurance quotes again to see if your current insurer is still the best deal. You won’t know if you could find lower rates or get a better deal if you don’t get new quotes.

Discover Better Rates in Minutes

Compare Car Insurance Rates by State

map of new york

The state you live in is one of the biggest factors affecting your car insurance rates. Insurance regulations are on a state level, so laws, coverage requirements, and minimum limits differ from state to state. These variables also affect the average cost of auto insurance in each state.

The table below shows the overall average quote in each state in the U.S.

State Liability-Only Full Coverage
Alabama $94 $228
Alaska $67 $154
Arizona $138 $273
Arkansas $97 $242
California $133 $278
Colorado $127 $307
Connecticut $174 $314
Delaware $157 $272
Florida $281 $408
Georgia $170 $311
Hawaii $69 $150
Idaho $72 $162
Illinois $111 $254
Indiana $75 $173
Iowa $52 $155
Kansas $101 $264
Kentucky $163 $314
Louisiana $312 $498
Maine $55 $126
Maryland $183 $318
Massachusetts $148 $276
Michigan $174 $400
Minnesota $92 $201
Mississippi $146 $315
Missouri $115 $244
Montana $76 $224
Nebraska $77 $198
Nevada $178 $325
New Hampshire $71 $157
New Jersey $247 $409
New Mexico $94 $220
New York $256 $497
North Carolina $78 $184
North Dakota $80 $213
Ohio $81 $172
Oklahoma $91 $220
Oregon $185 $292
Pennsylvania $122 $299
Rhode Island $134 $251
South Carolina $118 $216
South Dakota $53 $173
Tennessee $87 $201
Texas $129 $269
Utah $134 $259
Vermont $48 $130
Virginia $104 $220
Washington $101 $201
Washington, D.C. $105 $197
West Virginia $83 $221
Wisconsin $89 $215
Wyoming $49 $180

On average, Vermont, Wyoming, Iowa, Maine, Hawaii, and Alaska are among the cheapest states for car insurance. New York, New Jersey, and Louisiana have the most expensive average auto insurance costs. Accident frequency, uninsured motorists, vehicle repair costs, and claim severity are a few factors that determine state rate variations, according to the Insurance Research Council.

Compare Car Insurance Rates by Vehicle

Your vehicle’s make, model, and type also play a role in determining your insurance premiums. In the table below, you’ll find average monthly quotes for some of the most common body types of the best-selling vehicles in 2022, according to Car and Driver.

Vehicle Body Type Monthly Rate
Toyota Camry Sedan $179
Toyota RAV4 Crossover SUV $146
Jeep Grand Cherokee Full-size SUV $165
Toyota Tacoma Midsize truck $152
Ford F-150 Full-size truck $150
Tesla Model Y Electric SUV $181

We found that the cheapest average rates are for crossover SUVs, full-size trucks, and midsize trucks, ranging from $146 to $152 monthly. Although insurance for the Toyota RAV4 averages just $146 per month, the smaller Toyota Camry’s average monthly rate is the second-highest, at $179 monthly. The Tesla Model Y, an electric SUV, is the most expensive, costing an average of $181 monthly to insure.

Don’t see your model or body type listed? We gathered rates for various vehicle brands, including cars, trucks, and SUVs, to help you find the best vehicle that fits your needs and budget.

Find the Best Rate for Your Vehicle

Compare Car Insurance Quotes by Other Top Factors

Woman using calculator to determine budget for auto insurance

Insurance companies use many factors to determine car insurance rates. Below, we highlight several with the greatest impact, like age, driving record, relationship status, and credit score.


With age come maturity and smarter driving decisions, which typically translates to lower car insurance premiums. Teens usually pay the most, while drivers 40 and older usually pay the least for auto insurance.

Age Liability-Only Full Coverage
All Ages $129 $302
18 years old $297 $676
25 years old $109 $266
40 years old $97 $232
65 years old $97 $221

Young drivers will almost always pay the highest rates because they generally make riskier driving decisions, making them more likely to get tickets and cause accidents. But if you maintain a clean driving record, your rates should decrease considerably once you turn 25. The average rate for liability insurance for an 18-year-old is $297 monthly, while a 25-year-old pays an average of $109. Rates are fairly level from 40 on but can start to climb again as drivers reach an age when vision or mobility challenges may affect their driving.

Driving record

Your driving record will also affect your auto insurance rates. Drivers without tickets, convictions, or at-fault accidents get the best pricing. In contrast, drivers with infractions are riskier to insure, paying more for the same coverage. The table below shows overall average car insurance quotes for drivers with a clean record and those with different infractions.

Driving Record Liability-Only Full Coverage
Clean record $91 $217
Speeding ticket $113 $268
At-fault collision $132 $309
DUI $179 $413

After a speeding ticket, drivers pay an average of $51 more monthly for full coverage than a driver with a clean record. The increase is even higher after causing an accident, averaging $92 more monthly. And if you get a DUI — the most severe infraction — you’ll pay an average of $196 more. While it might not seem like it, a great time to shop around and compare car insurance rates is after a conviction or accident.

Relationship status

Whether you’re married or single has an impact on your auto insurance rates. Married drivers tend to pay less for car insurance than single drivers, as shown in the table below.

Marital Status Liability-Only Full Coverage
Single $153 $356
Married $96 $230

When comparing auto insurance quotes, we found that single drivers spend an average of $57 more per month for liability coverage than married drivers. The difference is even higher with full coverage, where single drivers pay an average of $126 more.

Credit score

Lenders and employers aren’t the only ones interested in your credit score; some insurance companies also use your score to determine premiums. The better your credit score, the less you’ll likely pay for car insurance, as shown in the below table.

Credit Score Liability-Only Full Coverage
Excellent $91 $212
Good $108 $253
Fair $129 $302
Poor $189 $444

Drivers with a good credit history pay an average of $17–$41 higher monthly premiums than drivers with excellent credit. If you have poor credit, your monthly rates could be $98–$232 more. Not all insurers use credit as a rating factor, and some states ban or restrict its usage. Check your state to determine the rules for credit scores and which companies might not use it as a rating factor.

Factors to Consider When Comparing Car Insurance Quotes

Woman purchasing a new auto insurance policy

Although price is an important factor, it’s not the only one to consider when comparing auto insurance quotes. Your coverage choices and the insurance company should also factor into your decision.

Coverage options

You have multiple coverage options to choose from, including the ones listed below.

Liability vs. full coverage

Liability coverage only pays for the other party’s injuries and property damage in a covered accident. When you buy full coverage, you’ll pay more, but you’ll also get physical damage coverage for your vehicle, no matter who’s at fault.

Additional coverages

You can also consider optional coverages, like uninsured motorist, medical payments, and personal injury protection (PIP). Depending on where you live, your state may require you to buy these.

Some more coverages that drivers might consider include:

Policy limits

Your policy limits are the most the insurance company will pay per covered loss. Suppose you have 25/50 bodily injury liability. In that case, the most the company will pay is $25,000 per person and $50,000 per bodily injury claim. Higher limits will require higher premiums because the insurance company might have to pay more for each claim.


The deductible is the amount you pay if you file a comprehensive or collision claim. For instance, if your car receives $5,000 in hail damage and you have a $500 deductible, you’ll pay $500 to the body shop for repairs, and the insurance company will pay $4,500. Lower deductibles require higher rates because the insurance company pays more per claim.


One of the easiest ways to save money on car insurance is to take advantage of all the discounts you’re eligible for. If you’re not sure what’s available, ask your insurance company. Most don’t advertise all their discounts. Some of the most common discounts are:

Customer service and claims availability

You pay for customer service when you buy auto insurance, especially when going through the claims process. Before you commit to an insurance company, check their customer service and claims satisfaction. Companies like J.D. Power and the NAIC study insurance companies and use customer feedback to score them.

Compare Car Insurance FAQs

Doing your research can pay off when comparing car insurance. The following are answers to some common questions auto insurance shoppers have about comparing rates.

What do I need to compare car insurance quotes online?

To compare car insurance quotes online, you should have your personal information, vehicle type, VIN, and current policy details available. Being prepared will make the process faster and easier.

Why are my car insurance quotes so high?

Your quotes may be high for multiple reasons. It could be your age, driving record, vehicle type, or the insurance company. Comparing quotes could help you save.

When is the best time to compare car insurance quotes?

You can compare car insurance quotes at any time, including after getting a ticket or being involved in an accident. Depending on your insurer, when your policy renews may be the best time to compare; some insurance companies charge cancellation fees for terminating your policy before the renewal date.

How much should I be paying for car insurance?

We found the national average full-coverage auto insurance cost is $302 per month. How much you’ll pay for car insurance depends on factors like your age, driving history, where you live, and coverage choices.

How can I lower my car insurance?

You can lower your car insurance costs by checking for discounts and reviewing your coverage. Regularly comparing car insurance quotes can also help you get the lowest price.


Data scientists at analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article.’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information. All of the quotes listed in this article have been gathered from a combination of real quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.


  1. AM Best. “Company ratings.” Accessed June 20, 2023.
  2. Car and Driver. “The 25 Bestselling Cars, Trucks, and SUVs of 2022.” Accessed June 21, 2023.
  3. Insurance Research Council. “Auto Insurance Affordability: Countrywide Trends and State Comparisons.” Accessed June 20, 2023.
  4. J.D. Power. “Insurance Research Dates and Details.” Accessed June 20, 2023.
  5. Moody’s. “Property & Casualty – North America.” Accessed June 20, 2023.
  6. NAIC. “Consumer Insurance Search Results.” Accessed June 20, 2023.
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