Customers who switch save an average of $658/ year*

Find the Best Car Insurance Quotes

Enter a valid zip
Nearly 10 million competitive rates provided by companies like:

Get personalized car insurance quotes at

section icon

Get rate estimates

Our car insurance estimator provides customized rates based on your input, giving you an idea of what you can expect to pay and how much coverage you should buy.
section icon

Compare car insurance quotes

Regularly comparing car insurance quotes is the most effective way to get the best deal on auto insurance. You can save money by seeing which carrier offers the cheapest rate.
section icon

Buy car insurance online

Get expert advice on how to buy car insurance online, which allows you to shop on your own schedule. We’ll walk you through the steps to help you decide how much coverage you need.

Best Car Insurance Companies

We have the details on the best car insurance companies and how they rank for claims service, customer service, value and the best website/apps.
View All Top Companies

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for, and Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like and and managing content, now at

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.

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 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.

We did the homework for you!34K+ ZIP Codes analyzed for auto insurance rates
CompanyAvg. Annual Premium
State Farm$1,436
Calculate your car insurance quote by ZIP

Expert recommendations and guides on auto insurance

June 11, 2024

Raise your car insurance deductible to lower your rates: Savings by state

By Erik Martin
If you’ve got the cash in the bank to cover the unexpected expense, increasing the insurance deductible on your auto insurance coverage could lower your...
June 10, 2024

Detailed guide: Jobs that get car insurance discounts

By Erik Martin
Your job can help you save money on your car insurance. Educators, lawyers, doctors, police officers, firefighters, scientists, engineers, and farmers are a few...
June 10, 2024

Uninsured motorist statistics: Which states have the most uninsured drivers?

By Shivani Gite
June 6, 2024

How do you determine the actual cash value of your car?

By Mark Vallet
A vehicle’s actual cash value is determined by comparing the condition of your car to similar vehicles in the market. Most insurers use proprietary formulas...
June 6, 2024

How long does an accident stay on your record in California?

By Katrina Raenell
A car accident in California can stay on your record for three years or longer. Learn more about how accidents impact your driving record, car insurance and...
June 6, 2024

How do you determine the salvage value of a car?

By Sarah Sharkey
A car with a branded title, either salvage or rebuilt, will be worth less than a clean title vehicle. ...
June 4, 2024

How much does it cost to add a teenager to car insurance?

By Erik Martin
Car insurance for teens is pricey, but it’s cheaper to add a teen to your policy than for them to have their own policy. It costs $3,726 per year to add a...
June 4, 2024

How much car insurance do I need?

By Laura Longero
Not sure how much car insurance you need? Here’s how much auto insurance you should have to ensure you are financially protected....
June 4, 2024

How much is car insurance? See average car insurance costs

By Mark Vallet
The average cost of car insurance is $1,895 annually, or $158 per month, for a full coverage policy. See how much car insurance is in your area....
October 30, 2023

Car insurance shopping for a new car

By Erik Martin
Before you drive off the lot with a new vehicle, learn how to get insurance for a new car -- the insurance grace period to vehicle registration and more....
May 21, 2024

Gap insurance: What does it cover and is it worth it?

By Mark Vallet
If your car is totaled or stolen, gap insurance coverage will pay the difference between the actual cash value (ACV) of the vehicle and the current outstanding...
April 17, 2023

What is the difference between title and registration?

By Laura Longero
A title is a document that certifies the ownership of a vehicle. Whereas, registration is a formality to show that you are registered with the state and have...
June 3, 2024

Cheapest car insurance companies in 2024

By Laura Longero
Progressive and Geico were found to have the lowest auto insurance rates among the more than 30 auto insurance providers studied. However,...
June 3, 2024

How much is car insurance for a 16-year-old?

By Chris Kissell
The average car insurance rate for a 16-year-old is $7,625 a year for full coverage – $635 per month – but you can still find affordable rates by following...
June 3, 2024

Non-owner SR-22 insurance: What to do if you need SR-22 insurance without a car

By Erik Martin
If you're required to carry an SR-22 but don't own a car, you must buy non-owner SR-22 insurance. Learn more about non-owner SR-22 policies....
June 3, 2024

Average car insurance rates by age

By Laura Longero
Your insurance rates are based, in part, on how old you are. Find out why age is taken into account and at what ages you can expect to pay the most and least...
March 29, 2024

10 most important factors that affect car insurance rates

By Laura Longero
Your insurance company will use several rating factors that affect car insurance rates. Follow this guide to find out how you can get cheap car insurance. ...
May 21, 2024

Guide to the best cars for teens

By Erik Martin
Wondering which cars are best for teens? Here’s how much you’ll pay to insure popular vehicles for teens. ...

Car Insurance in the USA – Rates by State

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.

A data analysis found that the annual average cost for auto insurance in 2022 is $511 for the state-minimum coverage, $637 for liability-only coverage and $1,682 for a full-coverage policy with the limits of 100/300/100.*

See how state car insurance rates compare for various coverage levels and find out how your car insurance quotes and rates are affected by age, accidents, non-moving violations and credit scores in California, Texas, Michigan and every other state. Learn which coverage limits to get auto insurance quotes for and find expert tips on how to save money on your policy.

Read More
Compare rates & Save up to $658* per year on auto insurance
Show all states

A contract to protect you and your vehicle from unforeseen risks.

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

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.

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.

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.

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.


Get Free Car Insurance Quotes Near You

Please enter valid Zip
From the experts who also bring you
Our Experts