Whether shopping for new car insurance or considering a switch, comparing car insurance rates is the best way to find a great deal on auto insurance.

Comparing car insurance quotes is a simple process that can save you hundreds of dollars annually. Our team of experts compared car insurance quotes to present you with this data-driven guide.

Written by:
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.
Edited by:
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. 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.
Reviewed by:
Dr. Siwei Gao
reviewer icon
Industry Expert
Dr. Gao is the director of Principles of Risk & Insurance, which she teaches at Eastern Kentucky University.

Compare car insurance quotes from different companies

To compare car insurance rates, see how companies compare at three coverage levels in this chart below. The rates shown are the average annual rates for:

  • State-minimum liability only
  • Liability only: 50/100/50 ($50,000 bodily injury per person, $100,000 bodily injury per accident and $50,000 property damage per accident)
  • Full coverage: 100/300/100 with $500 deductibles on comprehensive/collision ($100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage per accident)
Car insurance comparison for annual rates
Company State minimum Liability only Full coverage
North Carolina Farm Bureau$332$374$1,141
Mississippi Farm Bureau$376$420$1,701
Auto-Owners Insurance$404$457$1,435
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
United Financial$499$667$1,795
Mid Century$553$604$1,820
New Jersey Manufacturers$660$785$1,660
Illinois Farmers$681$740$1,695
Louisiana Farm Bureau$698$901$2,329
Colonial County$735$708$1,663
New York Central$757$843$2,123

Get started by comparing car insurance quotes

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How often do you shop around for better car insurance rates?

To compare car insurance rates, you must first decide how much coverage you need and have the details about your car, location and listed drivers.

Also, keep in mind the difference between a car insurance rate comparison and a car insurance quote comparison:

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

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

Check out our detailed guide: What is a car insurance quote?

Use the car insurance comparison tool to compare quotes

If you’ve moved or if you 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.

Florida Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
*Please enter valid Zip
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.
33315 Fort Lauderdale
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
highest rate Highest Rate $129/mo.
lowest rate Lowest Rate $47/mo.
Compare personalized quotes from up to 20 companies in Florida now
33012 - Hialeah: $128
33135 - Miami: $128
33013 - Hialeah: $128
33125 - Miami: $127
32425 - Bonifay: $53
32440 - Graceville: $53
32431 - Cottondale: $53
32428 - Chipley: $53

Review your existing car insurance policy and assess coverage

While you shop for the price and insurance company right for you, you should know what coverages are right for you. If this is a new policy, you must meet at least your state’s minimum liability car insurance requirements.

If you want to find the cheapest car insurance while comparison shopping, look for liability coverage only 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 if a driver hits you 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 the insurance company values your car. If you drive a beater, you may not need the extra coverage.

Comprehensive and collision coverage aren’t budget-busters. A comprehensive car insurance comparison analysis by CarInsurance.com shows the national average annual cost 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 collision and comprehensive insurance deductible. Remember that if you have a claim, that deductible will be your out-of-pocket expense to repair or replace your car. You’ll have to pay the deductible each time you file a claim. We recommend you choose an amount that you can pay from savings. Your car won’t be repaired until you pay your share.

Compile your personal information

Comparing car insurance rates online side-by-side saves you from repeatedly giving out the same information. Once you know what coverage you need, gather the following information to request car insurance quotes.

  • Name, birthdate 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 a car insurance rate comparison from different companies

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

Also, follow up with potential insurers about any car insurance discounts you may qualify for. Additional discounts not part of the online quote process may be offered. 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, compare car insurance quotes in your area.

Research potential car insurance companies before you buy a policy

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

  • Check with an insurance ratings service, such as AM Best or Standard & Poor’s, to find a grade or rating for the company and analyze its finances.
  • Check for complaints against the company with the NAIC.
  • Research complaint rates online at the Better Business Bureau and your state insurance department.
  • Read the customer comments on the company’s social media sites.
  • Take a look at CarInsurance.com’s best car insurance companies.

Tips for comparing car insurance quotes

Understanding variables that impact rates: When you compare car insurance costs, understand that many factors influence car insurance rates. The primary 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 mean your potential cost to your insurer is lower, so you pay less. 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 them: If you have a car that you own outright. It’s not worth much money — less than $3,000 — and is 10 or older, it might not make financial sense to carry the optional coverages of comprehensive and collision. You only get paid up to the actual cash value of your car if you file a claim under these portions of your policy.

Get all the discounts you can: Not all drivers meet the criteria for all discounts, so be sure to get the ones that match your driver profile. Standard 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. Also, check the insurance companies’ social media and Facebook pages on your list to see what policyholders have to say about their experiences.

Car insurance comparison chart: Average rates by state

Below, you’ll see the highest and lowest rates from major insurers for nearly every ZIP code in each state.

The difference between the highest and lowest rates is the amount you could save by comparing car insurance quotes from different companies.

Average annual car insurance rates by state
State Average rate Average highest rate Average lowest rate Average savings Average savings
Washington, D.C.$2,188$3,773$1,042$2,731262%
New Jersey$1,993$3,569$990$2,579261%
Rhode Island$2,040$2,992$763$2,229292%
New York$2,062$2,799$824$1,975240%
West Virginia$1,654$2,576$1,064$1,512142%
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%
North Carolina$1,425$2,064$767$1,297169%
South Dakota$1,643$2,213$1,062$1,151108%
South Carolina$1,653$2,118$986$1,132115%
National Average$1,758$2,557$910$1,647178%

Compare auto insurance quotes side-by-side

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.

Factors to consider using an insurance comparison tool

Many factors affect your car insurance rates. Here, we’ll review 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 are the springboard for calculating 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.
    2. Your age: Inexperienced drivers, typically teens and those under 24, pay higher rates than older drivers because they are deemed 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 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. Seven states have either banned the use of gender in pricing auto insurance or require unisex pricing. States that banned the use of gender: California, Hawaii, Massachusetts, Montana, North Carolina, Michigan and Pennsylvania.
    4. Your credit history: Drivers with bad credit pay more for coverage than those with good credit. If you have bad credit, you can still save on coverage by comparing quotes but be prepared for more expensive rates.
    5. Your driving record: Your driving record affects your insurance cost. Car insurance rates go up 31%, on average, after one at-fault accident with more than $2,000 in damage, or by $450 a year, CarInsurance.com rate data show. It’s just a bit more for an at-fault bodily injury accident.
    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, see the average car insurance rates for the nation’s top-selling 2021 vehicles in the chart below.

Average annual car insurance cost for popular vehicle models
Make Model Average rate
FordF-150 XL$1,370
ChevroletSilverado 1500 LT$1,420
RAMRam 2500 Tradesman$1,536
ToyotaRAV4 Adventure$1,399
ToyotaCamry LE$1,604
ChevroletEquinox L$1,390
HondaCR-V LX$1,285
ToyotaCorolla L$1,572
HondaCivic LX$1,500
NissanRogue Sport SV$1,441
FordExplorer XLT$1,453
ToyotaTacoma SR$1,411
GMCSierra 1500$1,385
JeepGrand Cherokee Laredo$1,450
FordEscape S$1,360
ToyotaHighlander LE$1,472
NissanRogue S$1,441
HondaAccord LX$1,501
JeepWrangler JL Sport$1,339
SubaruForester 2.5I$1,333
FordEscape S$1,360
SubaruOutback 2.5I$1,330

Final thoughts on car insurance quote comparisons

It’s wise to shop your policy at least once a year or upon renewal to be sure you’re not paying too much. Remember to compare car insurance quotes when you experience life changes because your existing company may no longer be the most affordable.

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

Comparing car insurance quotes will save money because you’ll see which carrier offers the cheapest car insurance for your particular circumstances.

 — Michelle Megna contributed to this story.

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 CarInsurance.com, Insurance.com and Insure.com. 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 ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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.

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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.