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  • Mercury Insurance
  • Esurance Insurance
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  • MAPFRE Insurance
  • Kemper Auto Insurance
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  • Safeco Insurance
  • SafeAuto Insurance
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In This Article:

Auto Insurance Quotes: Getting Started

There’s a lot that goes into determining your auto insurance rates, and often, those factors vary from insurance carrier to insurance carrier.  One insurance company may raise your auto insurance rates for simply living in a high-crime area, while another insurer might weigh the type of car that you drive more heavily. Since insurance companies have different rating scales, insurance risk is often viewed differently across different carriers.

Factors that affect an auto insurance quote include:

Demographic categories like age, gender, marital status, and education level may influence your auto insurance quote because insurers use statistics to predict how likely it might be for you to get into a collision or end up with a ticket. For example, teen drivers tend to have higher auto insurance rates because they tend to be more likely to get into fender benders or get speeding tickets.

The make and model of car you drive, and whether it has features like safety equipment and GPS, will also affect your auto insurance quotes. That’s because vehicles with expensive safety features and high-end production costs tend to cost more to repair should you get into an accident.

The level of coverage you choose also affects your auto insurance rates. A general rule of thumb: the more coverage you require, the higher the cost of your premiums.

Your driving record, and how often you drive, will also make a difference in your auto insurance quote.  Typically, a driving history with accidents and speeding tickets most likely will raise your auto insurance rates. Since you’re more likely to catch a citation or get into an accident when you’re driving more miles, many insurance carriers will also charge more for drivers who have long commutes or travel often by car.

Your auto insurance history is also an important factor for insurance companies, and they’ll often look at the following to take into account:

Your credit score could also affect your auto insurance rates. Insurance carriers will sometimes charge drivers with poor credit higher rates since they might be more likely to get into an accident and file a claim. However, if you live in California, Hawaii or Massachusetts, you’re in luck since insurers are not allowed to factor in credit scores when calculating your auto insurance quote in those states.

Auto Insurance Quotes for Young Adults

There’s a lot to take into account when you’re in your 20s. And while there are many big life decisions that can affect you and your financial situation — worrying about car insurance shouldn’t be one of your stresses.

It’s our job to make sure that shopping for your next auto insurance policy is simple, straightforward, and most of all, is a time and money-saving process. Below are a few considerations and discounts to take into account when you’re getting started on finding great auto insurance rates.

Auto insurance & roommates

Having roommates when you’re in your 20s is pretty common, but do you know how that can affect your auto insurance rates? It’s not uncommon to see insurance companies have verbiage regarding roommates and shared vehicles. In fact, in some cases, roommates will need to be listed on your car insurance policy or will need to be excluded. Oftentimes, insurance carriers might think you periodically share cars. To avoid risking additional charges, add your roommate to your policy (or vice versa) or simply exclude them entirely.

Defensive driving classes can help lower auto insurance rates

Defensive driving classes can save young adults who might speed a bit too much on their auto insurance policies. From the perspective of insurance carriers, young drivers who have taken defensive driving classes are less likely to file claims or receive citations like speeding tickets.  This means they’re able to pass savings onto you!

Good grades & auto insurance

For many insurance companies, if you maintain a "B" average and are under the age of 25, you will often be rewarded with a good student discount — so long as you provide documentation proving so.

What Rates Can You Expect?

As we mentioned above, auto insurance rates can vary wildly based on things like your age, gender, where you live, and your driving record. Take a look at the tables below to get a better idea of what you might be asked to pay. And if you'd rather save time and get more personalized quotes, simply enter your ZIP and be well on your way to comparing multiple quotes in just a few minutes.

Compare 2021 Car Insurance for Young Drivers
Age Avg. Monthly State Minimum Rates Avg. Monthly Full Coverage Rates
20 $151 $306
21 $135 $274
22 $117 $274
23 $108 $223
24 $102 $209
25 $95 $196
Compare 2021 Car Insurance for Teens
Age Avg. Monthly State Minimum Rates Avg. Monthly Full Coverage Rates
18 $192 $369
19 $176 $343
Compare 2021 Car Insurance for Middle Age & Senior Drivers
Age Avg. Monthly State Minimum Rates Avg. Monthly Full Coverage Rates
40 $72 $139
45 $69 $133
50 $63 $124
55 $61 $117
60 $61 $117
65 $58 $112
70 $62 $120
Compare 2021 Car Insurance Rates by State
U.S. State (Cheapest to Most Expensive) Avg. Monthly Premium
Idaho $48
Iowa $50
South Dakota $51
Maine $52
North Dakota $53
North Carolina $55
Wyoming $55
Wisconsin $55
Indiana $55
Vermont $57
Nebraska $57
Montana $58
Kansas $58
Ohio $59
Alabama $60
Arkansas $61
Tennessee $62
Missouri $62
Virginia $63
New Mexico $64
Hawaii $64
New Hampshire $65
Utah $65
Minnesota $66
Kentucky $67
Illinois $67
Oklahoma $69
Mississippi $69
Oregon $69
California $70
Arizona $70
SouthCarolina $71
West Virginia $71
Colorado $71
Alaska $73
Pennsylvania $73
Washington $74
Georgia $75
Texas $78
Nevada $82
Maryland $85
Connecticut $87
Massachusetts $88
Delaware $96
Rhode Island $96
Florida $99
Washington D.C. $99
Michigan $103
Louisiana $103
New York $103
New Jersey $106

Online Auto Insurance Quotes: What You Need Before You Start

Comparing auto insurance rates online is easier than ever, but you can simplify the process even further by prepping some information in advance.

  • Date of birth, driver’s license number, and address for anyone who will be on the auto insurance policy
  • Driving history, which you can acquire from your state’s DMV
  • Insurance history for any policyholders
  • Make, model, year, and VIN for vehicles you want to insure
  • A payment method
  • As you chat or email with an agent, having these details ready will save time and reduce potential frustration. That way, you can focus on finding the right auto insurance company and policy at a rate that fits your budget.

    Next, it’s time to gather your quotes. Whether you shop online or over the phone, be sure that you:

  • Narrow your search to the best auto insurance companies. Check online reviews for customer comments and complaints—doing so can prevent hassle and headaches in the future.
  • Request quotes from at least three companies.
  • Understand what you get for your rate. Compare each policy’s liability limits and coverage. With the right research, you can often find better coverage for less.
  • Why Compare Auto Insurance Rates?

    Our users save an average of $720 a year!

    Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

    How To Get The Best Auto Insurance Rates

    Make sure you’re saving the most by avoiding these common auto insurance pitfalls.

    number 1

    Update your relationship status.

    Married drivers typically pay less for car insurance. Combine your auto insurance policies and you could be saving approximately 10 to 12 percent.

    *Edmunds estimates the average savings for married couples is 10-12 percent. On average, a 20-year-old female pays 22 percent less when she is married.
    number 2

    Don't forget you're a homeowner.

    If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.

    *Data provided by ValuePenguin
    number 3

    Be aware of how your credit score affects your insurance rate.

    Those with average credit scores paid $214 a year more on their auto insurance policies than similar drivers with high credit scores.

    *Data provided by Consumer Reports
    number 4

    Don't over-report your mileage.

    Do you commute? Use your car for pleasure only? If you've started driving less since the last time you reported your mileage, recalculate. It could reduce your premium by 5-10 percent.

    *Data provided by Consumer Federation of America
    number 5

    Research multiple car insurance companies.

    With hundreds of auto insurance companies in the U.S. market, shopping around to compare cheap car insurance rates could save you over a thousand dollars a year. Get started now on Compare.com.