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Get car insurance quotes from major companies
When it comes to choosing a car insurance company, it pays to shop around. Whether you have a teen driver or an imperfect driving record, getting quotes from different companies is the best way to pay less without sacrificing your coverage.
And life events life getting married and moving can influence how much you pay for car insurance, so get quotes every six months or year around renewal time. Check out the average insurance rates by carrier for major insurance companies in 2022.
Methodology
CarInsurance.com commissioned Quadrant Information Services to report average auto insurance rates for a 2021 Honda Accord LX for about 34K+ ZIP codes in the United States.
Averages are based on insurance for a single, 40-year-old male, with no violations and who commutes 12 miles to work each day. With policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Your rate depends on your personal factors and vehicle.
| Company | Avg. Annual Premium |
|---|---|
| Geico | $1,266 |
| State Farm | $1,436 |
| Travelers | $1,488 |
| Progressive | $1,686 |
| Farmers | $1,980 |
| Allstate | $2,086 |
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Where you live plays a major role in how much you pay for car insurance. That’s because your location is used as a springboard for calculating rates.
Most insurance companies consider the number and cost of accident claims in your area and set a base rate accordingly. Then, the rate is adjusted up or down depending on other factors, such as your age, driving record and the type of car you drive.
Overall, state laws differ in how much insurance you must buy to drive legally. In some states, you need more coverage than others to meet the minimum requirement mandated by state law.
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What is car insurance?
How does car insurance work?
Here’s how auto insurance works.
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?
Different types of car insurance come into play to protect you.
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 coverage pays up to the cash value of your car to repair your car regardless of who caused the accident.
Why get multiple car insurance quotes?
Compare multiple auto insurance quotes to save money.
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?
Buying insurance safeguards you from financial ruin in case of an accident.
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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