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Auto Insurance Quotes Comparison - Compare Car Insurance Quotes Near You


If you compare car insurance quotes, you'll save money because you'll see which carrier offers the cheapest rate for your particular circumstances. In the chart below, you’ll see the annual average car insurance rate and highest and lowest rates, and the amount of savings for each state, for a full coverage policy. It shows that you can save from $300 to $3,000, depending on where you live, by doing an auto insurance quotes comparison:

Compare car insurance rates and save

StateAverage annual rateAverage highest rateAverage lowest rateAverage $ savingsAverage % savings
Michigan$2,490$4,025$1,013$3,012297%
Pennsylvania$1,532$3,183$686$2,497364%
DC$1,722$2,876$696$2,180313%
Wisconsin$1,327$2,743$632$2,111334%
Kentucky$1,771$2,894$880$2,014229%
New York$1,782$2,893$992$1,901192%
North Dakota$1,311$2,560$743$1,817245%
Connecticut$1,775$2,564$924$1,640177%
Oklahoma$1,655$2,593$1,006$1,587158%
Louisiana$2,190$2,984$1,445$1,539107%
Florida$1,835$2,698$1,179$1,519129%
Hawaii$1,458$2,376$857$1,519177%
Delaware$1,655$2,422$1,107$1,315119%
Rhode Island$1,693$2,362$1,106$1,256114%
Maryland$1,396$2,223$1,071$1,152108%
New Jersey$1,353$1,887$745$1,142153%
Alabama$1,313$1,895$771$1,124146%
Missouri$1,158$1,805$705$1,100156%
Colorado$1,435$1,958$863$1,095127%
Tennessee$1,223$1,838$744$1,094147%
California$1,527$2,033$942$1,091116%
Mississippi$1,330$1,960$871$1,089125%
New Mexico$1,257$1,946$870$1,076124%
Texas$1,308$1,947$889$1,058119%
Georgia$1,348$1,795$740$1,055143%
Kansas$1,245$1,794$766$1,028134%
New Hampshire$1,102$1,583$557$1,026184%
Nevada$1,750$2,284$1,279$1,00579%
Iowa$1,024$1,625$630$995158%
Utah$1,212$1,591$653$938144%
Arizona$1,353$1,834$918$916100%
Massachusetts$1,191$1,757$851$906106%
Montana$1,224$1,753$848$905107%
Indiana$965$1,553$650$903139%
Idaho$946$1,581$694$887128%
Arkansas$1,383$1,849$964$88592%
South Dakota$1,052$1,548$685$863126%
West Virginia$1,387$1,921$1,110$81173%
Illinois$1,009$1,393$593$800135%
Vermont$967$1,269$472$797169%
Oregon$1,292$1,732$944$78883%
Nebraska$1,117$1,481$697$784112%
Wyoming$1,472$1,830$1,126$70463%
Maine$920$1,203$503$700139%
Ohio$957$1,312$626$686110%
North Carolina$963$1,241$620$621100%
Minnesota$1,200$1,517$899$61869%
Washington$1,197$1,498$994$50451%
South Carolina$1,263$1,528$1,030$49848%
Virginia$979$1,192$742$45061%
Alaska$1,114$1,305$952$35337%

* Averages are based on insurance for a single 40-year-old driver, with good credit and a clean record, 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. Data for CarInsurance.com provided by Quadrant Information Services.

Now that you’re ready to save, we’ll walk you through the process of reviewing your coverage, gathering the personal information you’ll need, comparing rates and vetting potential insurers.

How to compare car insurance quotes in five easy steps:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

Compare car insurance quotes for full coverage by company and state

You can get an idea of which car insurance companies have low cost car insurance in your state by doing a search in the table below. It shows how insurers ranked on price for a policy with the following coverage:

  • Bodily injury liability -- $100,000 per person/$300,000 maximum per accident for bodily injury
  • Property damage liability -- $100,000 for property damage
  • Comprehensive and collision coverage with $500 deductible

Enter your state in the search field to compare car insurance quotes from different companies near you.

StateCompanyAverage yearly rate
AlaskaState Farm$979
AlaskaGeico$1,075
AlaskaProgressive$1,080
AlaskaAllstate$1,304
AlabamaGeico$759
AlabamaMid Century$1,172
AlabamaNationwide$1,197
AlabamaAllstate$1,257
AlabamaState Farm$1,572
AlabamaProgressive$1,840
ArkansasGeico$980
ArkansasState Farm$1,165
ArkansasFarmers$1,176
ArkansasNationwide$1,483
ArkansasProgressive$1,594
ArkansasAllstate$1,821
ArizonaGeico$977
ArizonaProgressive$1,047
ArizonaFarmers$1,195
ArizonaState Farm$1,392
ArizonaNationwide$1,719
ArizonaAllstate$1,807
CaliforniaGeico$944
CaliforniaUnited Financial$1,128
CaliforniaNationwide$1,379
CaliforniaNationwide$1,756
CaliforniaFarmers$1,932
CaliforniaState Farm$1,967
ColoradoGeico$813
ColoradoState Farm$1,241
ColoradoFarmers$1,516
ColoradoProgressive$1,559
ColoradoAllstate$1,889
ConnecticutGeico$946
ConnecticutNationwide$1,254
ConnecticutState Farm$1,463
ConnecticutProgressive$2,026
ConnecticutAllstate$2,462
ConnecticutForemost$2,478
DCGeico$713
DCProgressive$1,496
DCState Farm$1,518
DCNationwide$1,977
DCAllstate$2,913
DelawareGeico$1,134
DelawareProgressive$1,333
DelawareNationwide$1,492
DelawareState Farm$1,872
DelawareAllstate$2,398
FloridaGeico$1,192
FloridaState Farm$1,611
FloridaProgressive$1,754
Florida21st Century Centennial$1,972
FloridaAllstate$2,584
GeorgiaGeico$762
GeorgiaNationwide$1,303
GeorgiaState Farm$1,372
GeorgiaProgressive$1,563
GeorgiaAllstate$1,701
HawaiiGeico$857
HawaiiState Farm$1,023
HawaiiAllstate$1,389
HawaiiProgressive$1,646
HawaiiFarmers$2,376
IowaAmco Ins Co$645
IowaGeico$693
IowaFarmers$933
IowaState Farm$945
IowaProgressive$1,286
IowaAllstate$1,589
IdahoGeico$713
IdahoFarmers$800
IdahoState Farm$845
IdahoProgressive$848
IdahoDepositors Ins Co$863
IdahoAllstate$1,577
IllinoisGeico$590
IllinoisAmco Ins Co$678
IllinoisState Farm$1,011
IllinoisIllinois Farmers$1,170
IllinoisProgressive$1,193
IllinoisAllstate$1,375
IndianaGeico$651
IndianaIllinois Farmers$748
IndianaProgressive$854
IndianaNationwide$866
IndianaState Farm$1,095
IndianaAllstate$1,569
KansasNationwide$814
KansasGeico$823
KansasState Farm$1,166
KansasFarmers$1,249
KansasProgressive$1,682
KansasAllstate$1,718
KentuckyGeico$881
KentuckyNationwide$1,631
KentuckyProgressive$1,693
KentuckyState Farm$1,734
KentuckyAllstate$2,822
LouisianaGeico$1,540
LouisianaState Farm$2,023
LouisianaAllstate$2,316
LouisianaProgressive$2,881
MassachusettsGeico$865
MassachusettsState Farm$884
MassachusettsProgressive$1,272
MassachusettsAllstate$1,742
MarylandProgressive$1,102
MarylandNationwide$1,114
MarylandGeico$1,199
MarylandState Farm$1,357
MarylandAllstate$2,177
MaineGeico$517
MaineState Farm$948
MaineProgressive$1,025
MaineAllstate$1,212
MichiganGeico$1,027
MichiganProgressive$1,714
MichiganTitan$2,177
MichiganAllstate$2,849
MichiganState Farm$3,135
MichiganFarmers$3,999
MinnesotaGeico$935
MinnesotaIllinois Farmers$1,030
MinnesotaAllied$1,188
MinnesotaState Farm$1,190
MinnesotaProgressive$1,295
MinnesotaAllstate$1,483
MissouriAllied$724
MissouriGeico$800
MissouriFarmers$1,051
MissouriState Farm$1,279
MissouriProgressive$1,303
MissouriAllstate$1,769
MississippiGeico$894
MississippiNationwide$1,184
MississippiProgressive Gulf Ins Co$1,268
MississippiState Farm$1,353
MississippiAllstate$1,917
MontanaGeico$848
MontanaProgressive$1,112
MontanaState Farm$1,149
MontanaDepositors$1,238
MontanaMid Century$1,244
MontanaAllstate$1,753
North CarolinaProgressive$622
North CarolinaGeico$704
North CarolinaState Farm$845
North CarolinaFarmers$1,046
North CarolinaNationwide$1,071
North CarolinaNationwide$1,205
North CarolinaAllstate$1,230
North DakotaAllied$753
North DakotaGeico$897
North DakotaProgressive$1,047
North DakotaState Farm$1,132
North DakotaAllstate$1,502
North DakotaMid Century$2,560
NebraskaAllied$711
NebraskaGeico$978
NebraskaState Farm$1,003
NebraskaMid Century$1,192
NebraskaAllstate$1,393
NebraskaProgressive$1,403
New HampshireGeico$550
New HampshireNationwide$867
New HampshireState Farm$1,036
New HampshireProgressive$1,465
New HampshireAllstate$1,588
New Jersey21st Century Centennial$762
New JerseyGeico$1,104
New JerseyProgressive$1,255
New JerseyAllstate NJ$1,761
New JerseyState Farm$1,847
New MexicoGeico$894
New MexicoProgressive$998
New MexicoState Farm$1,177
New MexicoFarmers$1,251
New MexicoAllstate$1,948
NevadaGeico$1,342
NevadaMid Century$1,537
NevadaProgressive$1,663
NevadaState Farm$1,726
NevadaVictoria$1,955
NevadaAllstate$2,256
New YorkGeico$993
New YorkProgressive$1,160
New YorkAllstate$1,587
New YorkState Farm$1,855
New YorkNationwide$2,098
New YorkForemost$2,858
OhioGeico$619
OhioState Farm$881
OhioFarmers$887
OhioProgressive$999
OhioNationwide$1,015
OhioAllstate$1,310
OklahomaGeico$1,050
OklahomaFarmers$1,327
OklahomaState Farm$1,416
OklahomaAllstate$1,918
OklahomaProgressive$2,506
OregonGeico$933
OregonState Farm$1,043
OregonNationwide$1,121
OregonProgressive$1,238
OregonFarmers$1,594
OregonAllstate$1,656
PennsylvaniaGeico$703
PennsylvaniaNationwide$711
PennsylvaniaState Farm$1,284
PennsylvaniaAllstate$1,729
PennsylvaniaProgressive$3,183
Rhode IslandState Farm$1,132
Rhode IslandGeico$1,292
Rhode IslandNationwide$1,678
Rhode IslandProgressive$2,092
Rhode IslandAllstate$2,246
South CarolinaGeico$1,050
South CarolinaAllstate$1,178
South CarolinaNationwide$1,200
South CarolinaProgressive$1,359
South CarolinaState Farm$1,511
South DakotaGeico$708
South DakotaNationwide$938
South DakotaMid Century$982
South DakotaState Farm$1,052
South DakotaProgressive$1,110
South DakotaAllstate$1,562
TennesseeGeico$764
TennesseeNationwide$796
TennesseeState Farm$1,131
TennesseeProgressive$1,223
TennesseeMid Century$1,576
TennesseeAllstate$1,794
TexasFarmers$905
TexasGeico$1,027
TexasColonial$1,247
TexasProgressive$1,328
TexasState Farm$1,348
TexasAllstate$1,949
UtahGeico$684
UtahMid Century$1,016
UtahAllied$1,119
UtahAllstate$1,353
UtahProgressive$1,503
UtahState Farm$1,518
VirginiaNationwide$744
VirginiaGeico$894
VirginiaState Farm$969
VirginiaAllstate$1,102
VirginiaProgressive$1,150
VermontGeico$485
VermontNationwide$789
VermontProgressive$1,103
VermontAllstate$1,183
VermontState Farm$1,255
WashingtonNationwide$1,028
WashingtonGeico$1,075
WashingtonProgressive$1,092
WashingtonState Farm$1,160
WashingtonFarmers$1,335
WashingtonAllstate$1,455
WisconsinGeico$663
WisconsinState Farm$914
WisconsinMid Century$1,021
WisconsinArtisan$1,176
WisconsinAllstate$1,484
WisconsinNationwide$2,851
West VirginiaGeico$1,149
West VirginiaProgressive$1,238
West VirginiaState Farm$1,309
West VirginiaNationwide$1,327
West VirginiaAllstate$1,853
WyomingState Farm$1,128
WyomingGeico$1,287
WyomingFarmers$1,688
WyomingAllstate$1,874

Compare minimum, liability and full coverage car insurance rates in your state

What you pay for coverage depends on many factors, including your driving record, age, insurance company, the model car you drive and where you live. But chief among those factors is also the amount of insurance you buy. Here is a car insurance comparison for rates by three different coverage levels. Enter your state in the search field to see how costs vary. Keep in mind that getting the best cheap car insurance means finding the lowest price for the amount of coverage you need to be sure you, your family and your assets are fully protected.

StateState minimum50/100/50100/300/100
Alaska$318$323$1,109
Alabama$419$432$1,299
Arkansas$397$416$1,370
Arizona$496$573$1,356
California$491$592$1,518
Colorado$506$544$1,404
Connecticut$761$868$1,771
DC$745$809$1,723
Delaware$805$904$1,646
Florida$884$930$1,823
Georgia$532$577$1,340
Hawaii$555$609$1,458
Iowa$294$323$1,015
Idaho$319$343$941
Illinois$383$403$1,004
Indiana$400$424$964
Kansas$397$427$1,242
Kentucky$745$793$1,752
Louisiana$705$831$2,190
Massachusetts$539$609$1,191
Maryland$710$748$1,390
Maine$359$364$925
Michigan$2,012$1,649$2,484
Minnesota$579$575$1,187
Missouri$409$457$1,154
Mississippi$398$425$1,323
Montana$323$356$1,224
North Carolina$347$383$960
North Dakota$363$372$1,315
Nebraska$329$344$1,113
New Hampshire$485$508$1,101
New Jersey$677$779$1,346
New Mexico$424$445$1,253
Nevada$623$768$1,746
New York$812$879$1,759
Ohio$383$381$952
Oklahoma$444$461$1,643
Oregon$690$702$1,264
Pennsylvania$480$526$1,522
Rhode Island$751$876$1,688
South Carolina$484$525$1,260
South Dakota$267$290$1,059
Tennessee$404$430$1,214
Texas$465$488$1,300
Utah$531$545$1,199
Virginia$372$409$972
Vermont$337$350$963
Washington$466$503$1,191
Wisconsin$373$415$1,351
West Virginia$493$545$1,375
Wyoming$339$360$1,494

Compare auto insurance rates for good and bad credit drivers by state

Drivers with poor credit pay a rate that is 71% higher on average than a driver with good credit. That’s about $1,000 more a year, a new CarInsurance.com rate analysis shows. Michigan tops the list of  the worst states for drivers with bad credit

Still, states have different regulations regarding how insurance companies may use credit in setting rates, so costs vary across the nation. Three states -- California, Hawaii and Massachusetts -- ban the use of credit history in determining what you pay for car insurance.

StateAverage rateRate with poor credit% increase$ increase
Michigan$2,368$6,316167%$3,948
New Jersey$1,419$2,925106%$1,506
Arizona$1,399$2,71194%$1,312
Texas$1,644$3,17093%$1,526
Utah$1,212$2,31691%$1,104
Nevada$1,578$2,98689%$1,408
Illinois$1,176$2,19887%$1,022
New York$1,214$2,25586%$1,041
Minnesota$1,339$2,47185%$1,132
Pennsylvania$1,438$2,57279%$1,134
Vermont$1,166$2,07078%$904
South Carolina$1,353$2,38676%$1,033
Alabama$1,304$2,29676%$992
Tennessee$1,339$2,34275%$1,003
Florida$2,250$3,92674%$1,676
Maine$884$1,54074%$656
Rhode Island$2,011$3,49674%$1,485
Montana$1,589$2,75673%$1,167
Colorado$1,675$2,89073%$1,215
Kentucky$1,611$2,76672%$1,155
Nebraska$1,287$2,20371%$916
Idaho$1,019$1,74271%$723
Indiana$1,057$1,80671%$749
Missouri$1,288$2,19771%$909
Louisiana$2,228$3,79770%$1,569
Delaware$1,838$3,12870%$1,290
South Dakota$1,250$2,11970%$869
Arkansas$1,556$2,62168%$1,065
Oklahoma$1,469$2,46868%$999
Ohio$959$1,61068%$651
Georgia$1,815$3,04067%$1,225
DC$1,887$3,15367%$1,266
North Dakota$1,123$1,87367%$750
Oregon$1,325$2,19366%$868
Kansas$1,412$2,32064%$908
Washington$1,307$2,11762%$810
Iowa$1,073$1,72861%$655
Virginia$993$1,59561%$602
New Mexico$1,498$2,40460%$906
Maryland$1,541$2,46460%$923
Wisconsin$1,147$1,83260%$685
New Hampshire$1,156$1,84660%$690
Mississippi$1,504$2,35857%$854
Connecticut$1,980$3,09556%$1,115
West Virginia$1,467$2,16748%$700
Alaska$1,246$1,78944%$543
Wyoming$1,577$2,17938%$602
North Carolina$1,170$1,31713%$147
California$1,783$1,7830%$0
Hawaii$1,255$1,2550%$0
Massachusetts$1,616$1,6160%$0

Compare car insurance rates for bad credit by company

Insurance companies assess your credit in different ways, so some may hike rates by a lot, while others may not. Below you'll see how much price varies by company for drivers with bad credit. 

StateCompanyMonthly rate with bad credit
AlaskaState Farm Mutual Auto$128
AlaskaGEICO General$137
AlaskaProgressive Direct$167
AlaskaProgressive Specialty$198
AlabamaGEICO Cas$91
AlabamaGEICO General$108
AlabamaNationwide Mutual Fire$169
AlabamaAllstate P&C$185
AlabamaMid-Century Ins Co$201
AlabamaProgressive Specialty$254
AlabamaState Farm Mutual Auto$331
ArkansasGEICO General$154
ArkansasFarmers Ins Co$193
ArkansasState Farm Mutual Auto$198
ArkansasNationwide Mutual$230
ArkansasAllstate P&C$253
ArkansasProgressive NorthWestern$284
ArizonaGEICO General$96
ArizonaGEICO Cas$119
ArizonaProgressive Advance Ins$172
ArizonaNICOA PPNM$233
ArizonaFarmers Ins Co of AZ$258
ArizonaAllstate F&C$299
ArizonaState Farm Mutual Auto$406
ColoradoGEICO Cas$122
ColoradoState Farm Mutual Auto$197
ColoradoAMCO Insurance$207
ColoradoGEICO General$260
ColoradoProgressive Direct$280
ColoradoAllstate F&C$299
ColoradoFarmers Ins Exchange 2.0$320
ConnecticutGEICO General$142
ConnecticutState Farm Mutual Auto$193
ConnecticutNationwide Mutual$233
ConnecticutProgressive Casualty$273
ConnecticutAllstate F&C$322
ConnecticutForemost Ins Co. Grand Rapids$386
DCGEICO General$139
DCState Farm Mutual Auto$256
DCNICOA$272
DCProgressive Direct$291
DCAllstate P&C$356
DelawareGEICO General$178
DelawareProgressive Direct$230
DelawareNationwide Mutual$246
DelawareState Farm Mutual Auto$298
DelawareAllstate P&C$351
FloridaState Farm Mutual Auto$225
FloridaGEICO General$265
Florida21st Century Centennial$279
FloridaAllied P&C PPCM$316
FloridaAllstate F&C$434
FloridaProgressive Select$444
GeorgiaGEICO General$151
GeorgiaProgressive Premier$228
GeorgiaProgressive Mountain$240
GeorgiaNationwide Mutual$269
GeorgiaAllstate F&C$300
GeorgiaState Farm Mutual Auto$332
IowaGEICO Cas$85
IowaGEICO General$123
IowaNationwide Agribusiness Ins$127
IowaProgressive Universal$133
IowaState Farm Mutual Auto$151
IowaFarmers Ins Co$159
IowaProgressive Northern$175
IowaAllstate F&C$198
IdahoGEICO General$91
IdahoState Farm Mutual Auto$109
IdahoFarmers Ins Co Of ID$138
IdahoAllied Depositors PPXM$142
IdahoProgressive NorthWestern$183
IdahoAllstate F&C$209
IllinoisGEICO Cas$130
IllinoisGEICO General$147
IllinoisState Farm Mutual Auto$152
IllinoisProgressive Northern$184
IllinoisIllinois Farmers Ins Co$216
IllinoisAllstate F&C$271
IndianaGEICO Cas$76
IndianaNationwide Mutual$100
IndianaProgressive Paloverde$147
IndianaState Farm Mutual Auto$175
IndianaIllinois Farmers Ins 2.0$193
IndianaAllstate P&C$212
KansasAllied NW Affin PPBM$130
KansasGEICO General$140
KansasState Farm Mutual Auto$188
KansasFarmers Ins Co$211
KansasAllstate F&C$238
KansasProgressive NorthWestern$253
KentuckyState Farm Mutual Auto$185
KentuckyGEICO General$188
KentuckyProgressive Direct$218
KentuckyNationwide P&C$264
KentuckyAllstate P&C$297
LouisianaGEICO Cas$173
LouisianaState Farm Mutual Auto$313
LouisianaAllstate P&C$339
LouisianaProgressive Security Ins.$441
MarylandGEICO Cas$120
MarylandState Farm Mutual Auto$203
MarylandProgressive Select$215
MarylandNAICOA$241
MarylandAllstate Indemnity$247
MaineGEICO General$62
MaineUnited Financial Casualty$117
MaineState Farm Mutual Auto$135
MaineProgressive NorthWestern$160
MaineAllstate F&C$168
MichiganGEICO Ind$177
MichiganProgressive Marathon$277
MichiganState Farm Mutual Auto$603
MichiganFarmers Ins Exch$709
MichiganAllstate F&C$866
MinnesotaState Farm Mutual Auto$152
MinnesotaGEICO General$167
MinnesotaAllied P&C$183
MinnesotaProgressive Preferred$210
MinnesotaIllinois Farmers Ins$215
MinnesotaAllstate Indemnity$309
MissouriGEICO General$131
MissouriGEICO Cas$137
MissouriState Farm Mutual Auto$153
MissouriAllied P&C PPCM$156
MissouriFarmers Ins Co$214
MissouriProgressive Casualty$232
MissouriAllstate F&C$259
MississippiGEICO General$134
MississippiNationwide P&C$171
MississippiState Farm Mutual Auto$192
MississippiAllstate P&C$240
MississippiProgressive Gulf Ins$245
MontanaGEICO General$161
MontanaState Farm Mutual Auto$170
MontanaAllied Depositors PPXM$229
MontanaAllstate F&C$246
MontanaMid-Century Ins Co$277
MontanaProgressive NorthWestern$295
North CarolinaGEICO Govt Employees$89
North CarolinaProgressive Southeastern$99
North CarolinaNationwide Mutual$108
North CarolinaAllstate P&C$126
North CarolinaState Farm Mutual Auto$126
North DakotaGEICO General$91
North DakotaAllied P&C PPCM$130
North DakotaMid-Century Ins Co$143
North DakotaState Farm Mutual Auto$159
North DakotaProgressive NorthWestern$188
North DakotaAllstate Insurance$226
NebraskaGEICO General$114
NebraskaAllied P&C$130
NebraskaState Farm Mutual Auto$171
NebraskaAllstate F&C$202
NebraskaMid-Century Ins Co$204
NebraskaProgressive Northern$281
New HampshireGEICO General$90
New HampshireProgressive Universal$120
New HampshireNationwide Mutual$132
New HampshireState Farm Mutual Auto$134
New HampshireAllstate F&C$191
New HampshireProgressive Northern$256
New Jersey21st Century Centennial Ins Co$183
New JerseyProg Garden State Ins Co$201
New JerseyGEICO Govt Employees$220
New JerseyState Farm Ind$303
New JerseyAllstate NJ P&C$313
New MexicoProgressive Direct$154
New MexicoState Farm Mutual Auto$166
New MexicoGEICO General$192
New MexicoAllied AMCO$196
New MexicoProgressive Northern$205
New MexicoFarmers Ins Co of AZ$218
New MexicoAllstate F&C$270
NevadaGEICO Cas$132
NevadaVictoria F&C$183
NevadaProgressive Northern$234
NevadaMid-Century Ins Co$252
NevadaAllstate F&C$287
NevadaState Farm Mutual Auto$406
New YorkGEICO General$103
New YorkAllstate F&C$120
New YorkState Farm Mutual Auto$236
New YorkProgressive Casualty$293
OhioGEICO Cas$61
OhioNationwide Mutual$112
OhioGEICO General$125
OhioProgressive Direct$131
OhioState Farm Mutual Auto$137
OhioFarmers Ins of Columbus$152
OhioProgressive Specialty$167
OhioAllstate F&C$188
OklahomaGEICO Cas$126
OklahomaGEICO General$179
OklahomaState Farm Mutual Auto$194
OklahomaFarmers Ins Co$222
OklahomaAllstate F&C$234
OklahomaProgressive Northern$280
OregonGEICO Cas$104
OregonGEICO General$130
OregonState Farm Mutual Auto$170
OregonFarmers Ins Co Of OR$193
OregonProgressive Universal$204
OregonNICOA$231
OregonAllstate F&C$248
PennsylvaniaGEICO General$124
PennsylvaniaGEICO Cas$137
PennsylvaniaNationwide Property & Casualty$170
PennsylvaniaState Farm Mutual Auto$172
PennsylvaniaProgressive Advanced$230
PennsylvaniaAllstate F&C$289
PennsylvaniaProgressive Specialty$378
Rhode IslandState Farm Mutual Auto$186
Rhode IslandNationwide Mutual$235
Rhode IslandGEICO General$251
Rhode IslandProgressive Direct$286
Rhode IslandAllstate F&C$382
Rhode IslandProgressive Casualty$409
South CarolinaNationwide Mutual Fire$151
South CarolinaState Farm Mutual Auto$197
South CarolinaGEICO Govt Employees$205
South CarolinaProgressive Northern$213
South CarolinaAllstate F&C$228
South DakotaGEICO General$141
South DakotaAllied AMCO PPAM$151
South DakotaMid-Century Ins Co$165
South DakotaState Farm Mutual Auto$178
South DakotaProgressive Northern$212
South DakotaAllstate Insurance$213
TennesseeGEICO General$152
TennesseeMountain Laurel Assurance$160
TennesseeState Farm Mutual Auto$166
TennesseeProgressive Hawaii$199
TennesseeNationwide Mutual$216
TennesseeMid-Century Ins Co$217
TennesseeAllstate P&C$256
TexasState Farm Mutual Auto$195
TexasProgressive Cty Mtl$247
TexasNationwide CCMIC$251
TexasGEICO County Mutual Ins Co.$295
TexasAllstate F&C$333
UtahGEICO General$118
UtahGEICO Cas$131
UtahAllied P&C$160
UtahMid-Century Ins Co$192
UtahProgressive Classic$212
UtahAllstate F&C$220
UtahState Farm Mutual Auto$320
VirginiaGEICO General$92
VirginiaNationwide P&C$104
VirginiaState Farm Mutual Auto$130
VirginiaProgressive Gulf Ins$136
VirginiaAllstate P&C$202
VermontGEICO General$94
VermontNationwide Mutual$115
VermontProgressive Direct$133
VermontAllstate F&C$177
VermontState Farm Mutual Auto$195
VermontProgressive Northern$320
WashingtonNICOA$131
WashingtonProgressive Direct$148
WashingtonGEICO General$159
WashingtonState Farm Mutual Auto$169
WashingtonAllstate F&C$210
WashingtonFarmers Ins Co of WA$243
WisconsinGEICO Cas$64
WisconsinGEICO General$94
WisconsinState Farm Mutual Auto$128
WisconsinProgressive Universal$145
WisconsinMid-Century Ins Co$159
WisconsinArtisan and Truckers Casualty$176
WisconsinAllstate P&C$201
WisconsinAllied AMCO PPA$254
West VirginiaGEICO General$135
West VirginiaNICOA$153
West VirginiaState Farm Mutual Auto$160
West VirginiaNationwide Mutual$185
West VirginiaProgressive Max$204
West VirginiaAllstate P&C$246
WyomingState Farm Mutual Auto$144
WyomingGEICO General$158
WyomingMid-Century Ins Co$169
WyomingAllstate F&C$255

Compare car insurance rates after an at-fault accident

CarInsurance.com’s rate analysis shows that it pays to spend some time shopping your policy after an accident claim. “Our data research shows that for the insurers surveyed, a driver can save up to $4,300, the average being about $600, by comparing car insurance quotes after an accident claim," says Penny Gusner, CarInsurance.com's senior consumer analyst.

How much insurance goes up after an accident depends on your insurance company, state laws and other factors.

Doing so may even mean you wind up paying less after an accident than you were spending before the crash. In a few instances in a few states, CarInsurance.com data show that some of the lowest rates after an at-fault accident claim were cheaper than other companies’ rates for a driver with a clean record.

Below you can see how auto insurance rates compare for a recent claim versus a clean record.

CompanyRate with accident claimClean record rate
Geico$1,911$1,321
Progressive$2,457$1,751
State Farm$3,582$2,582
Farmers$3,742$2,807
Allstate$5,819$3,379

Auto insurance quotes comparison for speeding tickets

Just like with credit history and accidents, rates among insurers vary significantly for moving violations. Again, that's because they each use their own formula when deciding how much insurance goes up after a speeding ticket. Typically, after a speeding ticket or other moving violation your rate will increase upon your policy renewal, and last three years. Below you'll see how much you can save by shopping around.

CompanyRate after speeding ticket
Geico$1,449
State Farm$1,807
Nationwide$1,900
Progressive$1,916
Farmers$2,146
Allstate$2,239

Compare car insurance rates for adding a teen

Adding your teen driver to your policy is costly. Adding a 16-year-old teen to your policy will increase your rates, on average, by about 130% to 140%, or an extra $2,000 annually, according to CarInsurance.com rate data. But you can save if you shop around. You'll see in the table below how much rates differ among major insurers.

CompanyRate after adding 16-year-old
Nationwide$2,577
Geico$2,598
Farmers$3,650
Progressive$4,079
21st Century$4,384
State Farm$5,571
Allstate$5,707
Allied$6,174

Why you should compare car insurance rates, and when to do it

You may be leaving hundreds, even thousands, of dollars on the table if you don’t regularly compare car insurance rates. Many factors affect your car insurance rates, and if any of them changed, it’s possible that the cheapest policy will come from a different insurer.

You should compare car insurance rates at these times, when your rates are likely to change significantly:

  • You bought a car
  • You added a teen driver to your policy
  • You got married or divorced
  • Your credit score changed
  • You bought a house or moved
  • You got cited for a DUI or major violation or caused an accident

Even if your status remains the same, you should do some car insurance shopping every six or 12 months. Insurance companies use different formulas to set your rates, so the price for the same policy can vary significantly even if you don’t have a life-changing event. That means you can wind up overpaying if you don’t compare insurance rates from several companies at least once a year.

*Rates were fielded by Quadrant Information Services from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2016 Honda Accord. Other rate data based on same driver profile for 2018 Honda Accord for up to 10 ZIP codes in each state for various infractions.


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