- Compare car insurance quotes from different companies
- Get started with an auto insurance quote comparison
- Compare car insurance quotes in 5 easy steps
- Tips for comparing car insurance quotes from different companies
- Car insurance comparison chart: Compare rates by state with average savings
- Compare car insurance quotes side-by-side
- Factors to consider while doing an auto insurance quote comparison
- Best times to do an auto insurance quotes comparison
Whether you are looking for new car insurance or considering switching companies during your upcoming renewal period, comparing quotes is the best way to find a great deal on auto insurance.
Comparing car insurance is a simple process that can save you hundreds of dollars every year. We know how much it feels bad to pay for something extra when there’s a cheaper and better option out there.
We’ve done the hard (and smart) work of comparing rates so you don’t have to. Let us help you compare car insurance quotes that fit your needs and budget.
Our team of experts compared car insurance rates to present you with a data-driven guide.
The savings are real – our data analysis shows that an average policyholder could save $1,600 per year by comparing auto insurance rates.
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||State Minimum||Liability Only||Full Coverage|
|North Carolina Farm Bureau||$332||$374||$1,141|
|Mississippi Farm Bureau||$376||$420||$1,701|
|Texas Farm Bureau||$414||$458||$1,465|
|Kentucky Farm Bureau||$422||$469||$2,193|
|New Jersey Manufacturers||$660||$785||$1,660|
|Louisiana Farm Bureau||$698||$901||$2,329|
|New York Central||$757||$843||$2,123|
The above rates shown are average annual rates compared.
- Liability Only: 50/100/50
- Full Coverage: 100/300/100 with $500 deductible on com/coll
Get started with an auto insurance quote comparison
To compare car insurance rates, you will need to 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 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.
Compare car insurance quotes in 5 easy steps
Here we will outline the 5 steps you need to take to compare auto insurance rates to find the best value on the coverage you need:
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 CodeEnter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
|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|
|93513 - Big Pine: $34|
|96093 - Weaverville: $34|
|96027 - Etna: $34|
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
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.
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, 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.
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.
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 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 mean 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 them: 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 buying 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.
Car insurance comparison chart: Compare rates by state with average savings
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|
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 quote 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.
- Where you live: Your location, and where you garage your car, is 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. 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.
- 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.
- 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.
- 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.
- Your driving record: Your driving record plays a huge role in what you’ll pay for insurance. 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.
- 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 2021 vehicles:
|Chevrolet||Silverado 1500 LT||$1,420|
|RAM||Ram 2500 Tradesman||$1,536|
|Nissan||Rogue Sport SV||$1,441|
|Jeep||Grand Cherokee Laredo||$1,450|
|Jeep||Wrangler JL Sport||$1,339|
- 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:
|Coverage Type||Avg. Annual Cost||Avg. Monthly Cost|
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 over paying. 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 others 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
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.