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Whether you’re switching insurers, exploring new coverage or buying for the first time, CarInsurance.com simplifies the process. Our expert-backed tools and data-driven insights help you compare options and choose the right policy — quickly and on your terms.
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Car insurance rates: What can you expect to pay?

State minimum $502/year
Standard liability $647/year
Full coverage $1,895/year

Start your coverage search with the facts. We’ve broken down average costs by coverage level and age group to help you make informed choices from the start — like how full coverage averages $1,895/year, while teen drivers often pay over $5,613/year. Our broader research spans drivers by age, driving history and location, giving you a full picture before you compare.

“Understanding costs up front helps you shop with clarity and avoid surprises,” Laura Longero, Executive Editor, CarInsurance.com.

Average cost by age group

Teens (16-19)
$5,613/year
Young adults (20-24)
$2,976/year
Adult drivers (25-60)
$1,903/year
Seniors (65+)
$1,864/year

Trusted guidance, built over decades

We combine experience, research and real-world insights to help you understand coverage, estimate costs and choose with confidence.

20+ years in auto insurance Delivering trusted insights since 2003
50M+ quotes analyzed Data-backed tools created by experts
$694/year in savings* How much drivers save when they switch
Expert-reviewed content By licensed agents and insurance experts
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Millions of quotes analyzed; zero guesswork

We analyze millions of quotes and break down how factors like location, age and coverage levels shape your premium so that you can compare insurers with clarity.

How much do you pay for car insurance?

Find out which insurers offer low rates near you
Select your state COMPANY AVERAGE ANNUAL RATE
Alaska (AK) GEICO $1,338
Alaska (AK) State Farm $1,713
Alaska (AK) Progressive $1,742
Alaska (AK) Western National Mutual $1,984
Alaska (AK) Allstate $2,114
Alabama (AL) Nationwide $1,345
Alabama (AL) Travelers $1,428
Alabama (AL) GEICO $1,625
Alabama (AL) Country Financial $1,694
Alabama (AL) State Farm $1,790
Alabama (AL) Auto-Owners $2,134
Alabama (AL) Allstate $2,178
Alabama (AL) Progressive $2,402
Alabama (AL) Farmers $2,542
Arkansas (AR) Travelers $1,442
Arkansas (AR) Nationwide $1,503
Arkansas (AR) Shelter Insurance $1,690
Arkansas (AR) GEICO $1,794
Arkansas (AR) Southern Farm Bureau $1,926
Arkansas (AR) State Farm $2,060
Arkansas (AR) Farmers $2,248
Arkansas (AR) Progressive $2,431
Arkansas (AR) Allstate $2,729
Arkansas (AR) Alfa Corporation $3,225
Arizona (AZ) GEICO $1,312
Arizona (AZ) Travelers $1,489
Arizona (AZ) Auto-Owners $1,539
Arizona (AZ) Nationwide $1,726
Arizona (AZ) Progressive $1,903
Arizona (AZ) Allstate $2,215
Arizona (AZ) State Farm $2,233
Arizona (AZ) Farmers $2,331
California (CA) GEICO $1,919
California (CA) Mercury Insurance $2,031
California (CA) Progressive $2,179
California (CA) Kemper Insurance $2,429
California (CA) Travelers $2,460
California (CA) Auto Club Enterprises (AAA) $2,466
California (CA) CSAA Insurance (AAA) $2,600
California (CA) Allstate $2,627
California (CA) State Farm $2,701
California (CA) Nationwide $2,799
California (CA) Farmers $3,035
Colorado (CO) GEICO $1,445
Colorado (CO) Southern Farm Bureau $1,780
Colorado (CO) Kemper Insurance $1,878
Colorado (CO) State Farm $1,950
Colorado (CO) Allstate $2,774
Colorado (CO) Progressive $2,796
Colorado (CO) Auto-Owners $2,874
Colorado (CO) Farmers $3,578
Colorado (CO) Acuity Insurance $3,769
Connecticut (CT) GEICO $1,242
Connecticut (CT) Kemper Insurance $1,571
Connecticut (CT) Progressive $1,708
Connecticut (CT) State Farm $1,733
Connecticut (CT) Nationwide $1,766
Connecticut (CT) Farmers $2,192
Connecticut (CT) Allstate $2,195
Connecticut (CT) Amica Mutual $2,516
Washington, D.C. (DC) GEICO $1,408
Washington, D.C. (DC) Progressive $1,488
Washington, D.C. (DC) Erie Insurance $1,581
Washington, D.C. (DC) State Farm $2,426
Washington, D.C. (DC) Nationwide $2,558
Washington, D.C. (DC) Chubb Ltd $2,799
Delaware (DE) Nationwide $1,498
Delaware (DE) Travelers $1,595
Delaware (DE) GEICO $1,695
Delaware (DE) Progressive $1,999
Delaware (DE) State Farm $2,153
Delaware (DE) Donegal $2,673
Delaware (DE) American Family $2,709
Delaware (DE) Allstate $3,631
Florida (FL) State Farm $2,119
Florida (FL) Nationwide $2,150
Florida (FL) GEICO $2,214
Florida (FL) Travelers $2,356
Florida (FL) United Automobile Insurance $2,796
Florida (FL) Progressive $2,902
Florida (FL) National General Insurance $3,103
Florida (FL) Farmers $3,261
Florida (FL) Mercury Insurance $3,358
Florida (FL) Allstate $3,569
Georgia (GA) Auto-Owners $1,529
Georgia (GA) Progressive $1,656
Georgia (GA) Central Insurance $1,706
Georgia (GA) Country Financial $1,880
Georgia (GA) Allstate $2,014
Georgia (GA) GEICO $2,072
Georgia (GA) Mercury Insurance $2,219
Georgia (GA) State Farm $2,344
Georgia (GA) Safeway Insurance $2,812
Hawaii (HI) GEICO $1,184
Hawaii (HI) Progressive $1,279
Hawaii (HI) Farmers $1,495
Hawaii (HI) Island Insurance $1,771
Hawaii (HI) Allstate $1,882
Hawaii (HI) State Farm $1,938
Iowa (IA) Travelers $1,238
Iowa (IA) State Farm $1,306
Iowa (IA) West Bend Mutual $1,311
Iowa (IA) Auto-Owners $1,461
Iowa (IA) Progressive $1,589
Iowa (IA) IMT Insurance $1,634
Iowa (IA) GEICO $1,716
Iowa (IA) Iowa Farm Bureau $1,796
Iowa (IA) Allstate $2,126
Iowa (IA) Grinnell Mutual $2,591
Idaho (ID) Auto-Owners $916
Idaho (ID) State Farm $1,120
Idaho (ID) GEICO $1,174
Idaho (ID) Travelers $1,263
Idaho (ID) Nationwide $1,505
Idaho (ID) Farmers $1,606
Idaho (ID) Farm Bureau $1,652
Idaho (ID) Allstate $1,945
Idaho (ID) Sentry Insurance $2,352
Illinois (IL) Automobile Club MI (AAA) $979
Illinois (IL) Travelers $1,119
Illinois (IL) GEICO $1,178
Illinois (IL) Progressive $1,412
Illinois (IL) Auto-Owners $1,426
Illinois (IL) Erie Insurance $1,489
Illinois (IL) Country Financial $1,609
Illinois (IL) State Farm $1,633
Illinois (IL) Allstate $2,742
Indiana (IN) GEICO $986
Indiana (IN) Auto-Owners $1,188
Indiana (IN) Travelers $1,264
Indiana (IN) Nationwide $1,309
Indiana (IN) Progressive $1,480
Indiana (IN) Indiana Farmers $1,604
Indiana (IN) State Farm $1,616
Indiana (IN) Farmers $1,956
Indiana (IN) Indiana Farm Bureau Grp $2,153
Indiana (IN) Allstate $2,324
Kansas (KS) Nationwide $1,316
Kansas (KS) Travelers $1,601
Kansas (KS) GEICO $1,622
Kansas (KS) Progressive $1,937
Kansas (KS) State Farm $1,976
Kansas (KS) Farmers $1,992
Kansas (KS) Shelter Insurance $2,230
Kansas (KS) Iowa Farm Bureau $2,289
Kansas (KS) Allstate $2,968
Kentucky (KY) Travelers $1,804
Kentucky (KY) Auto-Owners $1,911
Kentucky (KY) Shelter Insurance $1,917
Kentucky (KY) GEICO $2,106
Kentucky (KY) Kentucky Farm Bureau $2,113
Kentucky (KY) Progressive $2,714
Kentucky (KY) State Farm $2,753
Kentucky (KY) Allstate $3,127
Kentucky (KY) Farmers $3,548
Louisiana (LA) Southern Farm Bureau $2,121
Louisiana (LA) GEICO $2,983
Louisiana (LA) Farmers $3,002
Louisiana (LA) Progressive $3,065
Louisiana (LA) LA Farm Bureau $3,122
Louisiana (LA) Safeway Insurance $3,191
Louisiana (LA) Auto Club Enterprises (AAA) $3,473
Louisiana (LA) State Farm $3,570
Massachusetts (MA) State Farm $689
Massachusetts (MA) GEICO $1,269
Massachusetts (MA) Plymouth Rock Assurance $1,409
Massachusetts (MA) Safety Insurance $1,517
Massachusetts (MA) Arbella Insurance $1,708
Massachusetts (MA) Farmers $1,966
Massachusetts (MA) Progressive $2,016
Massachusetts (MA) Amica Mutual $2,052
Massachusetts (MA) Travelers $2,274
Massachusetts (MA) Allstate $2,694
Maryland (MD) GEICO $1,262
Maryland (MD) Nationwide $1,363
Maryland (MD) Travelers $1,523
Maryland (MD) Kemper Insurance $1,603
Maryland (MD) Erie Insurance $1,685
Maryland (MD) Progressive $1,895
Maryland (MD) Penn National Insurance $1,911
Maryland (MD) State Farm $2,177
Maryland (MD) Allstate $3,108
Maine (ME) Auto-Owners $707
Maine (ME) Travelers $853
Maine (ME) Progressive $1,106
Maine (ME) Allstate $1,147
Maine (ME) GEICO $1,228
Maine (ME) State Farm $1,262
Maine (ME) MMG Insurance $1,461
Maine (ME) Frankenmuth Insurance $1,492
Maine (ME) Farmers $1,664
Michigan (MI) Travelers $1,355
Michigan (MI) GEICO $1,553
Michigan (MI) Progressive $2,069
Michigan (MI) Auto-Owners $2,080
Michigan (MI) Automobile Club MI (AAA) $2,526
Michigan (MI) Pioneer State Mutual $2,649
Michigan (MI) Frankenmuth Insurance $2,822
Michigan (MI) Michigan Farm Bureau $2,911
Michigan (MI) State Farm $3,601
Minnesota (MN) Nationwide $1,363
Minnesota (MN) State Farm $1,525
Minnesota (MN) Travelers $1,618
Minnesota (MN) Automobile Club MI (AAA) $1,636
Minnesota (MN) Auto-Owners $1,693
Minnesota (MN) North Star Mutual $2,257
Minnesota (MN) Allstate $2,388
Minnesota (MN) GEICO $2,495
Minnesota (MN) Western National Mutual $2,769
Missouri (MO) Nationwide $1,361
Missouri (MO) Travelers $1,515
Missouri (MO) Missouri Farm Bureau Grp $1,845
Missouri (MO) Shelter Insurance $1,906
Missouri (MO) Progressive $1,960
Missouri (MO) State Farm $2,072
Missouri (MO) Auto Club Enterprises (AAA) $2,346
Missouri (MO) Allstate $2,852
Missouri (MO) GEICO $3,217
Mississippi (MS) Nationwide $1,331
Mississippi (MS) Travelers $1,636
Mississippi (MS) State Farm $1,797
Mississippi (MS) Southern Farm Bureau $1,933
Mississippi (MS) Progressive $2,131
Mississippi (MS) GEICO $2,210
Mississippi (MS) Shelter Insurance $2,469
Mississippi (MS) Allstate $2,527
Mississippi (MS) Safeway Insurance $2,946
Montana (MT) Nationwide $1,394
Montana (MT) State Farm $1,858
Montana (MT) GEICO $2,382
Montana (MT) Progressive $2,414
Montana (MT) Kemper Insurance $2,692
Montana (MT) Farmers $2,939
Montana (MT) Allstate $2,949
North Carolina (NC) Erie Insurance $1,082
North Carolina (NC) State Farm $1,180
North Carolina (NC) North Carolina Farm Bureau $1,217
North Carolina (NC) Nationwide $1,513
North Carolina (NC) GEICO $1,617
North Carolina (NC) Penn National Insurance $1,872
North Carolina (NC) Farmers $2,028
North Carolina (NC) Progressive $2,028
North Carolina (NC) UTICA Grp $2,070
North Carolina (NC) Allstate $2,994
North Dakota (ND) American Family $1,092
North Dakota (ND) Nationwide $1,152
North Dakota (ND) Progressive $1,403
North Dakota (ND) Auto-Owners $1,717
North Dakota (ND) State Farm $1,738
North Dakota (ND) GEICO $1,773
North Dakota (ND) North Star Mutual $1,959
North Dakota (ND) Farmers $2,077
North Dakota (ND) Nodak Insurance $2,233
North Dakota (ND) Allstate $2,339
Nebraska (NE) Auto-Owners $1,193
Nebraska (NE) Nationwide $1,216
Nebraska (NE) Shelter Insurance $1,647
Nebraska (NE) Farmers Mut Ins Co of NE $1,910
Nebraska (NE) Progressive $1,964
Nebraska (NE) State Farm $2,344
Nebraska (NE) GEICO $2,372
Nebraska (NE) Iowa Farm Bureau $2,430
Nebraska (NE) Allstate $2,621
New Hampshire (NH) Auto-Owners $803
New Hampshire (NH) The Hanover $1,027
New Hampshire (NH) MMG Insurance $1,038
New Hampshire (NH) Nationwide $1,145
New Hampshire (NH) State Farm $1,155
New Hampshire (NH) GEICO $1,212
New Hampshire (NH) Progressive $1,343
New Hampshire (NH) Farmers $1,954
New Hampshire (NH) Allstate $2,123
New Jersey (NJ) New Jersey Manufacturers $1,318
New Jersey (NJ) GEICO $1,563
New Jersey (NJ) Travelers $1,706
New Jersey (NJ) Plymouth Rock Assurance $1,737
New Jersey (NJ) Selective Insurance $1,908
New Jersey (NJ) State Farm $2,153
New Jersey (NJ) Progressive $2,187
New Jersey (NJ) Farmers $2,254
New Jersey (NJ) Allstate $2,294
New Mexico (NM) GEICO $1,406
New Mexico (NM) Central Insurance $1,517
New Mexico (NM) Progressive $1,557
New Mexico (NM) State Farm $1,669
New Mexico (NM) Nationwide $1,806
New Mexico (NM) Farmers $2,740
New Mexico (NM) Allstate $2,834
New Mexico (NM) Iowa Farm Bureau $2,912
New Mexico (NM) Kemper Insurance $3,268
Nevada (NV) State Farm $1,443
Nevada (NV) GEICO $1,708
Nevada (NV) Travelers $1,995
Nevada (NV) Mercury Insurance $2,156
Nevada (NV) Farmers $2,328
Nevada (NV) American Family $2,429
Nevada (NV) Progressive $2,482
Nevada (NV) Allstate $2,614
Nevada (NV) CSAA Insurance (AAA) $3,651
New York (NY) Progressive $1,020
New York (NY) NYCM Insurance $1,300
New York (NY) GEICO $1,736
New York (NY) Erie Insurance $1,814
New York (NY) State Farm $1,951
New York (NY) Allstate $2,056
New York (NY) The Hanover $2,262
New York (NY) Travelers $2,677
New York (NY) Chubb Ltd $2,942
Ohio (OH) Grange Mutual $986
Ohio (OH) Auto-Owners $1,109
Ohio (OH) Erie Insurance $1,132
Ohio (OH) Travelers $1,336
Ohio (OH) GEICO $1,373
Ohio (OH) Cincinnati Insurance $1,624
Ohio (OH) Progressive $1,626
Ohio (OH) Westfield Insurance $1,673
Ohio (OH) Farmers $1,794
Ohio (OH) Allstate $1,942
Oklahoma (OK) Progressive $1,194
Oklahoma (OK) GEICO $1,820
Oklahoma (OK) State Farm $1,861
Oklahoma (OK) Shelter Insurance $2,055
Oklahoma (OK) AFR Insurance $2,063
Oklahoma (OK) Mercury Insurance $2,237
Oklahoma (OK) Allstate $2,699
Oklahoma (OK) Farmers $2,717
Oklahoma (OK) Oklahoma Farm Bureau $3,295
Oregon (OR) Oregon Mutual $1,147
Oregon (OR) Travelers $1,318
Oregon (OR) Nationwide $1,411
Oregon (OR) State Farm $1,502
Oregon (OR) Country Financial $1,527
Oregon (OR) GEICO $1,683
Oregon (OR) Progressive $1,765
Oregon (OR) Farmers $2,210
Oregon (OR) Allstate $2,945
Pennsylvania (PA) Travelers $952
Pennsylvania (PA) Nationwide $1,196
Pennsylvania (PA) Erie Insurance $1,550
Pennsylvania (PA) Westfield Insurance $1,872
Pennsylvania (PA) Donegal $1,913
Pennsylvania (PA) Progressive $2,193
Pennsylvania (PA) GEICO $2,308
Pennsylvania (PA) State Farm $2,473
Pennsylvania (PA) Allstate $2,503
Rhode Island (RI) State Farm $1,319
Rhode Island (RI) American Family $1,833
Rhode Island (RI) Progressive $1,841
Rhode Island (RI) Nationwide $1,911
Rhode Island (RI) Travelers $1,946
Rhode Island (RI) Amica Mutual $2,206
Rhode Island (RI) GEICO $2,292
Rhode Island (RI) Allstate $2,993
Rhode Island (RI) Farmers $3,336
South Carolina (SC) Auto-Owners $1,475
South Carolina (SC) Progressive $1,816
South Carolina (SC) Travelers $1,949
South Carolina (SC) GEICO $2,054
South Carolina (SC) State Farm $2,106
South Carolina (SC) Southern Farm Bureau $2,202
South Carolina (SC) Allstate $2,336
South Carolina (SC) Sentry Insurance $3,681
South Dakota (SD) Nationwide $1,526
South Dakota (SD) Farmers Mut Ins Co of NE $1,989
South Dakota (SD) Allstate $2,070
South Dakota (SD) State Farm $2,096
South Dakota (SD) Farmers $2,207
South Dakota (SD) GEICO $2,384
South Dakota (SD) Auto-Owners $2,566
South Dakota (SD) Iowa Farm Bureau $2,736
South Dakota (SD) North Star Mutual $2,744
South Dakota (SD) Progressive $3,163
Tennessee (TN) Tennessee Farmers $1,355
Tennessee (TN) Travelers $1,395
Tennessee (TN) Progressive $1,550
Tennessee (TN) GEICO $1,565
Tennessee (TN) Erie Insurance $1,598
Tennessee (TN) Nationwide $1,632
Tennessee (TN) State Farm $1,677
Tennessee (TN) Farmers $1,770
Tennessee (TN) Allstate $3,032
Texas (TX) Texas Farm Bureau $1,301
Texas (TX) Nationwide $1,502
Texas (TX) GEICO $1,644
Texas (TX) Redpoint County Mutual $1,681
Texas (TX) State Farm $1,956
Texas (TX) Auto Club Enterprises (AAA) $1,983
Texas (TX) Allstate $2,941
Texas (TX) Progressive $3,032
Texas (TX) Farmers $4,127
Utah (UT) Nationwide $1,135
Utah (UT) GEICO $1,325
Utah (UT) Auto-Owners $1,393
Utah (UT) Progressive $1,845
Utah (UT) United Insurance Co $2,071
Utah (UT) Iowa Farm Bureau $2,154
Utah (UT) State Farm $2,175
Utah (UT) Allstate $2,279
Utah (UT) Farmers $2,638
Virginia (VA) Virginia Farm Bureau $1,167
Virginia (VA) Travelers $1,169
Virginia (VA) Erie Insurance $1,288
Virginia (VA) GEICO $1,382
Virginia (VA) Auto-Owners $1,405
Virginia (VA) State Farm $1,479
Virginia (VA) Allstate $2,021
Virginia (VA) Progressive $2,120
Vermont (VT) Progressive $926
Vermont (VT) Nationwide $935
Vermont (VT) Auto-Owners $992
Vermont (VT) State Farm $1,139
Vermont (VT) GEICO $1,276
Vermont (VT) Vermont Mutual $1,413
Vermont (VT) Co-operative Insurance $1,640
Vermont (VT) Allstate $1,733
Vermont (VT) Farmers $2,333
Washington (WA) GEICO $1,171
Washington (WA) PEMCO $1,326
Washington (WA) Travelers $1,503
Washington (WA) Nationwide $1,658
Washington (WA) Farmers $1,714
Washington (WA) American Family $1,750
Washington (WA) Allstate $1,766
Washington (WA) State Farm $1,794
Washington (WA) Progressive $2,554
Wisconsin (WI) Travelers $1,089
Wisconsin (WI) GEICO $1,195
Wisconsin (WI) Nationwide $1,287
Wisconsin (WI) Erie Insurance $1,313
Wisconsin (WI) West Bend Mutual $1,373
Wisconsin (WI) Acuity Insurance $1,933
Wisconsin (WI) Progressive $2,128
Wisconsin (WI) Farmers $2,139
Wisconsin (WI) State Farm $2,378
Wisconsin (WI) Allstate $2,515
West Virginia (WV) Nationwide $1,215
West Virginia (WV) State Farm $1,691
West Virginia (WV) Erie Insurance $1,709
West Virginia (WV) Progressive $1,825
West Virginia (WV) Westfield Insurance $2,111
West Virginia (WV) GEICO $2,248
West Virginia (WV) Farmers $2,442
West Virginia (WV) Encova $2,933
West Virginia (WV) Allstate $3,132
Wyoming (WY) American National Finance $827
Wyoming (WY) State Farm $1,521
Wyoming (WY) Farmers $1,623
Wyoming (WY) GEICO $2,514
Wyoming (WY) Allstate $2,831
Alaska (AK) USAA $1,166
Alabama (AL) USAA $1,458
Arkansas (AR) USAA $1,090
Arizona (AZ) USAA $1,581
California (CA) USAA $1,827
Colorado (CO) USAA $1,559
Washington, D.C. (DC) USAA $1,230
Delaware (DE) USAA $1,463
Georgia (GA) USAA $1,562
Hawaii (HI) USAA $1,067
Iowa (IA) USAA $1,165
Idaho (ID) USAA $742
Illinois (IL) USAA $1,745
Indiana (IN) USAA $783
Kansas (KS) USAA $1,151
Kentucky (KY) USAA $1,820
Louisiana (LA) USAA $1,973
Massachusetts (MA) USAA $1,442
Maryland (MD) USAA $1,043
Maine (ME) USAA $827
Michigan (MI) USAA $1,514
Minnesota (MN) USAA $1,382
Missouri (MO) USAA $1,086
Mississippi (MS) USAA $1,320
Montana (MT) USAA $919
North Dakota (ND) USAA $826
Nebraska (NE) USAA $1,328
New Hampshire (NH) USAA $852
New Mexico (NM) USAA $1,054
Nevada (NV) USAA $1,672
New York (NY) USAA $1,557
Ohio (OH) USAA $994
Oklahoma (OK) USAA $1,447
Oregon (OR) USAA $1,277
Pennsylvania (PA) USAA $1,806
Rhode Island (RI) USAA $1,147
South Carolina (SC) USAA $1,451
South Dakota (SD) USAA $1,780
Tennessee (TN) USAA $1,194
Texas (TX) USAA $1,812
Utah (UT) USAA $1,237
Virginia (VA) USAA $1,192
Vermont (VT) USAA $803
Washington (WA) USAA $853
Wisconsin (WI) USAA $984
West Virginia (WV) USAA $1,189
Wyoming (WY) USAA $1,230
In-house statistics and driver insights

Behind the numbers: What exactly drives insurance decisions

67% of drivers shop around and switch insurers
primarily due to insurance rate increase.
57% of parents are concerned about the cost increase
when adding a teen to their policy.
View full data methodology

Expert advice you can count on

Behind every guide, calculator and recommendation is a team of licensed insurance agents, researchers and editors focused on helping you make smart coverage choices.

  • Cost of coverage is just one factor you should consider when purchasing car insurance. You need to make sure your insurer is financially stable and has the capability to pay claims, even after a catastrophic large-scale loss event like a hurricane, tornado, wildfire or flood.

    Mark Friedlander
    Mark Friedlander Director of corporate communications for the Insurance Information Institute.
    Continue reading
  • Getting car insurance estimates from multiple insurers will help you reduce your insurance rate. It can also help you to discover previously unattended insurance needs.

    Siwei Gao
    Siwei Gao The Thomas and Rebecca Coffey Professor of Insurance Studies at Eastern Kentucky University.
    Continue reading
  • You should compare car insurance quotes to ensure you’re getting the best coverage at the most competitive price. It also helps you find the policy that meets your specific needs and budget, avoiding overpaying or being underinsured. When you compare, always make sure it is apples to apples, meaning the same exact services from each firm.

    James Brau
    James Brau Joel C. Peterson Professor of Finance at Brigham Young University.
    Continue reading
  • Regardless of whether you want full coverage or the cheapest minimum amount, it is a good move to shop around. Insurers have widely different pricing models and it is often surprising how much they can differ. This is a quick and easy process that can easily save you hundreds of dollars in premiums.

    David C. Marlett
    David C. Marlett Managing Director of the Brantley Risk and Insurance Center at Appalachian State University.
    Continue reading

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The latest research: Actionable insurance insights

Our team tracks pricing trends, driver behaviors and policy changes across the country so you stay informed, aware of savings opportunities and ahead of the curve.

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Frequently asked questions

Answers to common questions about car insurance, coverage types and how to choose what’s right for you.

What is car insurance?

Car insurance is a contract between you and an insurance company that provides financial protection in case of an accident or if your car is damaged by other means, such as severe weather. The contract outlines how much the insurance company pays out for vehicle repairs and medical bills.

Learn more about what car insurance is and how it works

How does car insurance work?

State minimum liability car insurance requirements determine how much coverage to purchase in order to drive legally in each state. If you cause an accident, a claim is filed with your insurance company to help pay for property damage you caused or medical bills for the people you injured.

If you are hit, the other driver’s liability insurance would pay to fix the damage to your vehicle and for your medical expenses.

Collision coverage is optional and pays for damage to your car after an accident, regardless of who is at fault.

Comprehensive insurance covers damage to your vehicle from incidents other than collisions.

What are the different types of car insurance?

Liability insurance is mandatory in most states and covers the cost of medical bills for people you injure and damage to others’ property up to the coverage limits on your policy. Liability insurance does not cover damage to your car.

Comprehensive coverage pays to repair damage from hail, flooding, fire, falling objects and animal collisions. Collision insurance covers your vehicle for damage after a collision with a car or object.

Why get multiple car insurance quotes?

The price for an auto policy can differ by hundreds of dollars among insurance companies. That’s why comparing car insurance quotes from multiple companies is one of the most effective ways to save money.

If you don’t shop around, you won’t know what the cheapest price is for the coverage you need. You should compare auto insurance quotes from at least three companies, and at least once a year, for the same amount of coverage to be sure you’re getting the most affordable rate for your driver profile.

How will buying car insurance help you?

If you have a car accident and don’t have insurance, you will have to pay for all of the expenses out of pocket. Even minor accidents can cause thousands of dollars in damage. Major accidents with multiple injuries could bankrupt you without the proper amount of auto insurance coverage.

Most states require that drivers carry auto insurance to drive legally. If you are cited for driving without insurance, you may face penalties such as fees, license and/or registration suspension or jail time.

Buying auto insurance gives you peace of mind. Liability car insurance pays for the damage you cause to other vehicles and for the medical expenses of those you injure. And if you are hit, the other driver’s liability coverage would pay to fix your car.

Collision coverage pays to repair your car after an accident regardless of fault, and comprehensive coverage pays to replace your car if it’s stolen or to repair damage from hail, fire, flooding, vandalism, animal strikes and falling objects.

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