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If you compare car insurance quotes, you'll save money because you'll see which carrier offers the cheapest car insurance for your particular circumstances. The difference in price can be hundreds of dollars. Our team of experts compared car insurance rates to provide you examples of how much you can save.You can save an average of about $1,600 for a full coverage policy if you compare auto insurance rates, according to CarInsurance.com’s data anlysis.

Getting started with an auto insurance quotes comparison

To compare car insurance rates, you will need to first decide how much coverage you need, be sure you have on hand the information you’ll need about your car and the drivers who will be listed on the policy. Also, keep in mind the difference between a car insurance rate comparison and a car insurance quote comparison:

  • A car insurance quote is a company’s estimate of what it thinks you will pay for a policy.
  • A car insurance rate is the amount you pay once you’re policy is in effect.

You will get quotes during your research, but the exact amount you pay for coverage – your rate -- may be a bit more or less after the insurance company finalizes its calculations.

How to compare car insurance quotes in 5 easy steps?

Get an idea of what you can expect to pay.

If you’ve moved or if you just want to get a feel for what car insurance costs in your neighborhood or are a new driver, you can get an idea of what people in your area are paying by using our car insurance comparison tool, showing the average car insurance rate in each ZIP code.

California Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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COVERAGE TYPES
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State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
94404 Foster City
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$46
Highest Rate $56/mo.
Lowest Rate $26/mo.
Compare personalized quotes from up to 20 companies in California now
MOST & LEAST EXPENSIVE ZIP CODES in California
MOST EXPENSIVE PER MONTH
91205 - Glendale: $91
90212 - Beverly Hills: $91
90038 - Los Angeles: $91
91203 - Glendale: $90
LEAST EXPENSIVE PER MONTH
96107 - Coleville: $33
96093 - Weaverville: $34
93513 - Big Pine: $34
96027 - Etna: $34

Review your existing policy and assess coverage.

While you shop around for the price and insurance company that is right for you, you should know what coverages are right for you too. If this is a new policy you need to meet at least your state's minimum liability car insurance requirements. If you simply want to find the cheapest car insurance possible when comparison shopping, you would look for liability coverage only, and in the smallest amount your state will accept. (Legally required minimum liability coverage amounts vary by state.) Bear in mind that some states require so little coverage that an accident might leave any other assets you have, such as a home or savings, vulnerable to lawsuits.

If you’re replacing a policy, review the information on your policy to see if your existing coverage is still the best for you.

The four main types of car insurance you should understand are: 

  • Liability car insurance – Covers others’ property damage and medical expenses. If you have few assets, you don’t need high limits. If you own a home or have savings, you do --  100/300/100 is recommended. That means $100,000 per person, up to $300,000 an accident and $300,000 for property damage costs.
  • Uninsured motorist coverage – Comes in two forms: uninsured motorist bodily injury pays for medical bills if you’re injured in an accident that an uninsured driver causes. Uninsured property damage pays to fix your car. Some states require these coverages, but if yours doesn’t, ask yourself if you would have the money to pay for damages yourself should you be hit or injured by a driver without car insurance.
  • Collision coverage – Covers damage to your car. This pays out only up to the actual cash value of your car. If your vehicle is old, you may not need this optional protection.
  • Comprehensive insurance – Covers theft and damage to your car from hail, floods, fire, vandalism and animal strikes. Like collision coverage, this will pay you up to the amount your car is valued by the insurance company. If you drive a beater, you may not need the extra coverage.

Comprehensive and collision coverage are typically not budget-busters. A comprehensive car insurance comparison analysis by CarInsurance.com shows the national average cost per year is $192. For collision, it’s $526.

Also, decide now what deductible makes sense for your situation. One of the best ways to save on car insurance is to raise your deductible for collision and comprehensive insurance, but remember that if you have a claim, that deductible will be your out-of-pocket expense to repair or replace your car. If you have more than one claim, you'll have to pay the deductible each time. We recommend you choose an amount that you can pay from savings. Your car won’t be repaired until you pay your share.

Gather your personal information.

If you compare car insurance rates online, it’s easier to compare quotes side-by-side, which saves you from having to repeatedly give out the same information and write down quotes on your own. Once you know what coverage you need, gather the following information to request a car insurance quote.

  • Name, birth date and driver's license number of all drivers to be covered.
  • Make and model of each car to be covered.
  • Driving history, including accidents and driving violations, of all drivers to be covered by the policy.

Start comparing car insurance quotes from different companies.

Now you can begin collecting online car insurance quotes. Request rates from at least three different insurers. Be careful to compare the same coverage by using the same liability limits, identical deductibles and optional coverages.

Also be sure to follow up with potential insurers about any car insurance discounts you may qualify for. There may be additional discounts offered that are not part of the online quote process. For instance, you may be asked how many miles you drive a year to see if you’re eligible for a low-mileage discount, but you may not be asked what your teen driver’s grades are, which could snag you a good-student discount.

Now that you know what coverages and limits you need, start now by finding car insurance companies in your area.

Research potential car insurance companies before you buy.

When you’re ready to buy, research the insurers that offered you the lowest rate. The National Association of Insurance Commissioners (NAIC) recommends that when you compare insurance companies you take the following steps:

  • Check with an insurance rating service, such as A.M. Best or Standard & Poor's, to find a grade or rating for the company and an analysis of its finances so you can feel confident that a potential insurance claim will be paid.
  • Check for complaints against the company with NAIC's Consumer Information Source.
  • You can also research complaint rates online at the Better Business Bureau and your state insurance department's websites.
  • Read the customer comments at the insurer’s Facebook and Twitter accounts to see if people are generally happy with the service.
  • Find out the best car insurance companies for 2020 based on a customer satisfaction survey of current policyholders conducted by CarInsurance.com.

Tips for comparing car insurance quotes from different companies

Understanding variables that impact rates: When you compare car insurance costs, understand that there are many factors that influence car insurance rates. The major considerations include your age, where you live, the type of car you drive, your driving record, your credit history and how much coverage you buy.

Your deductible: The deductible you pay if you have a full coverage policy will increase or decrease your price. Higher deductibles lower your rates because insurers assume you will file fewer claims. If your deductible is $1,000, it doesn’t make sense to file a claim for damage under that amount or even for a bit more than that, since you’ll have to pay the deductible before your insurance pays out. Fewer claims means your potential cost to your insurer is lower, so the amount you pay is lower. On the other hand, a low deductible, say $500, means you’ll likely file more claims. So, a low deductible will increase your rates.

Drop optional coverages if you don’t need it: If you have a car that you own outright and it’s not worth much money, less than $3,000, and is 10 years old or older, it might not make financial sense to carry the optional coverages of comprehensive and collision. You only get paid out up to the actual cash value of your car if you file a claim under these portions of your policy.

Get all the discounts for which you qualify: Not all drivers meet the criteria for all discounts, so be sure to get the ones that match your driver profile. Common car insurance discounts include those for bundling with your home insurance company, paying your policy in full, paying electronically, meeting low mileage requirements, having safety and anti-theft features installed, insuring more than one vehicle with the same company, staying accident-free for three to five years and maintaining a high-grade point average.

Check customer reviews: Be sure to read customer reviews of companies you are considering to buy coverage from. Also, check the social media and Facebook pages of the insurance companies on your list to see what policyholders have to say about their experiences.

Compare car insurance quotes from different companies

To help you conduct your insurance quote comparison, we show below how companies compare for three different coverage levels. The driver profile is a male, 30, with a clean record and good credit.

Company Liability Only - State Minimum Liability Only - 50/100/50 Full Coverage - 100/300/100 $500 deductible on com/coll
Progressive$315$333$895
Geico$318$365$1,200
North Carolina Farm Bureau$332$374$1,141
USAA$358$473$1,111
Mississippi Farm Bureau$376$420$1,701
Owners Insurance$404$457$1,435
Farmers$405$436$1,343
Erie$414$490$1,372
Texas Farm Bureau$414$458$1,465
Kentucky Farm Bureau$422$469$2,193
Safety Insurance$435$558$1,217
State Farm$484$561$1,505
AAA Texas$493$537$1,784
Arbella$493$648$1,622
United Financial$499$667$1,795
Liberty Mutual$534$628$2,082
Mid Century$553$604$1,820
Allstate$555$648$2,164
Nationwide$573$598$1,619
Travelers$599$685$1,322
New Jersey Manufacturers Insurance$660$785$1,660
Illinois Farmers$681$740$1,695
Amco$687$784$1,798
Louisiana Farm Bureau$698$901$2,329
Amica$703$935$2,585
Colonial County$735$708$1,663
New York Central$757$843$2,123
Victoria$803$1,480$3,610
Safeco$840$899$1,944
Allied$1,111$1,265$2,347
Safeway$1,237$1,310$3,074
Foremost$1,417$1,749$3,569

 

Car insurance comparison chart

Below you’ll see the average highest and lowest rates fielded from up to six major insurers for nearly every ZIP code in each state. The difference between the highest and lowest rates is the amount you can potentially save by comparing car insurance quotes from different companies.

State Average Rate Average Highest Rate Average Lowest Rate Average $ Savings Average % Savings
Michigan$3,141$5,899$1,062$4,837455%
Kentucky$2,368$3,749$944$2,805297%
DC$2,188$3,773$1,042$2,731262%
Delaware$1,921$3,738$1,020$2,718266%
New Jersey$1,993$3,569$990$2,579261%
Nevada$2,402$3,626$1,154$2,472214%
Connecticut$2,036$3,029$689$2,340340%
Florida$2,162$3,079$850$2,229262%
Rhode Island$2,040$2,992$763$2,229292%
Texas$1,823$3,065$997$2,068207%
Arizona$1,783$2,742$702$2,040291%
New York$2,062$2,799$824$1,975240%
Louisiana$2,601$3,345$1,429$1,916134%
Illinois$1,538$2,632$763$1,869245%
Georgia$1,865$2,724$1,010$1,714170%
Pennsylvania$1,700$2,496$785$1,711218%
Wyoming$1,782$2,547$944$1,603170%
Colorado$1,948$2,631$1,036$1,595154%
Massachusetts$1,466$2,134$546$1,588291%
California$2,125$2,593$1,052$1,541146%
Oregon$1,496$2,362$837$1,525182%
Maryland$1,816$2,558$1,044$1,514145%
West Virginia$1,654$2,576$1,064$1,512142%
Montana$1,963$2,605$1,111$1,494134%
Hawaii$1,589$2,321$890$1,431161%
Arkansas$1,763$2,447$1,036$1,411136%
Idaho$1,285$2,078$673$1,405209%
Vermont$1,410$2,212$812$1,400172%
New Mexico$1,604$2,334$951$1,383145%
North Dakota$1,577$2,324$949$1,375145%
New Hampshire$1,086$1,999$664$1,335201%
Mississippi$1,684$2,353$1,022$1,331130%
North Carolina$1,425$2,064$767$1,297169%
Washington$1,620$2,248$962$1,286134%
Wisconsin$1,335$1,890$605$1,285212%
Alabama$1,713$2,299$1,036$1,263122%
Kansas$1,689$2,347$1,085$1,262116%
Minnesota$1,619$2,262$1,013$1,249123%
Oklahoma$1,815$2,376$1,127$1,249111%
Ohio$1,191$1,781$537$1,244232%
Indiana$1,266$1,894$672$1,222182%
Virginia$1,196$1,927$712$1,215171%
Maine$1,080$1,711$536$1,175219%
South Dakota$1,643$2,213$1,062$1,151108%
Soutn Carolina$1,653$2,118$986$1,132115%
Tennessee$1,493$2,028$906$1,122124%
Iowa$1,352$1,955$841$1,114132%
Utah$1,492$1,877$800$1,077135%
Missouri$1,798$2,152$1,126$1,02691%
Nebraska$1,500$1,946$972$974100%
Alaska$1,560$1,994$1,022$97295%
National average$1,758$2,557$910$1,647178%

 

Compare car insurance quotes side-by-side

If you want to compare car insurance quotes side-by-side, you can do so by filling out forms on car insurance comparison websites such as CarInsurance.com and Insurance.com. Use the CarInsurance.com estimator tool to get a customized recommendation in minutes for how much coverage you need, and be matched with car insurance companies that can provide quotes. At Insurance.com, you can buy coverage after you compare multiple car insurance quotes on a single form.

Factors to consider while doing an auto insurance quotes comparison

Many factors affect your car insurance rates. Here we’ll go over the chief variables of your driver profile that insurers consider when pricing your policy.

    1. Where you live: Your location, and where you garage your car, is the springboard for calculation what you pay. Insurance companies consider the frequency and cost of accidents, vandalism, weather damage and theft claims in your area, and set a base rate. From there, your cost is adjusted up or down, depending on your driving record and the type of vehicle you’re insuring, and other circumstances, such as your credit history, and demographics, such as your age. You can compare car insurance rates by ZIP code for three coverage levels, based on your age, by using CarInsurance.com’s average rate tool. It also shows the highest and lowest rate fielded from up to six carriers, so you can see how much you can potentially save by comparison shopping.
    2. Your age: Inexperienced drivers, typically teens and those under 24, pay higher rates than older drivers because they are deemed to be high-risk motorists, meaning they have a high likelihood of getting into accidents. Generally, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase a bit again at age 70, based on an analysis of average car insurance rates by age.
    3. Your gender:Using gender when setting car insurance rates is somewhat controversial as insurance companies maintain it’s a fair practice based on their actuarial research, while consumer advocates argue it is discriminatory. As a result, there are seven states that have either banned the use of gender in pricing auto insurance or that require unisex pricing.

      Female drivers from age 16 to 24 pay, on average, around $500 less (15%) a year for car insurance compared to their male counterparts, according to CarInsurance.com’s rate analysis.  Our rate data show from age 25 to 65 rates for males and females are within 5% of each other, with rates for males a tad cheaper from age 45 to 75.  After age 75, females start again to pay less, but only around 7%, or $100, annually.

      States that banned the use of gender: California, Hawaii, Massachusetts, Montana, North Carolina, Michigan and Pennsylvania.

    4. Your credit history: Use text on-page for here, with a chart of by the company. Don’t need by state chart
    5. Your driving record: Use text for at-fault accident and speeding, and both charts by company
    6. The type of vehicle you drive: Car insurance costs also vary by make and model, as insurance companies consider, along with other factors we’ve mentioned already, how safe the vehicle is, what its rate of accident claims are and how much it costs to repair. To compare car insurance rates by vehicle, below you’ll see the average car insurance rates for the nation’s top-selling 2020 vehicles:
Make Model Average Rate
FordF-150 XL$1,440
ChevroletSilverado 1500 LT$1,572
DodgeRam 1500 Express$1,524
ToyotaRAV4 Adventure$1,501
ToyotaCamry L$1,640
ChevroletEquinox LS$1,479
HondaCR-V LX$1,333
ToyotaCorolla L$1,712
HondaCivic LX$1,606
NissanRogue Sport SV$1,494
FordExplorer XLT$1,492
ToyotaTacoma SR$1,449
GMCSierra 1500$1,527
JeepGrand Cherokee Laredo$1,503
FordEscape S$1,397
ToyotaHighlander LE$1,494
NissanAltima 2.5 S$1,823
HondaAccord LX$1,586
JeepWrangler JL Sport S$1,334
SubaruForester 2.5I$1,373
FordFusion SE$1,652
FordTransit Connect XL$1,436
ChevroletMalibu L$1,621
MazdaCX-5 Sport$1,374
JeepCherokee Latitude$1,436

 

    1. How much coverage you buy: Bare-bones coverage, or your state’s minimum liability limits, will cost less than full coverage, but the liability insurance doesn’t cover your car. And, of course, you get more financial protection with a policy that has higher liability limits and includes comprehensive and collision, which pays for damage to your car. Below you’ll see how car insurance rates compare for three common coverage levels:
 State Minimum50/100/50100/300/100
Average Rate$574$644$1,758
Monthly Average Rate$48$54$147

 

Best times to do an auto insurance quotes comparison

It’s wise to shop your policy at least once a year, upon renewal, to be sure you’ve not overpaying. But you should also compare car insurance quotes when you experience life changes because your existing company may no longer be the most affordable after a major change in your circumstances. That’s because some companies may hike your rates a lot after an accident, for instance, while another may not. Here are other times you should compare car insurance quotes, as your rate is likely to be affected, and switching companies may mean more savings:

  • You move
  • You buy a car
  • Add or drop drivers from your policy
  • Experience a significant change in your credit score
  • Have an accident or multiple moving violations within 12 months
  • Add a teen driver