Shop for Car Insurance

The best way to find affordable car insurance is to compare quotes from multiple car insurance companies. Auto rates change over time, and they can go up or down, even if you don’t make any claims.

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Shop for Car Insurance by State

Use our toggle to filter for the cheapest or best car insurance companies where you live. MoneyGeek also analyzed the average cost of car insurance in each state. Click on your state to learn more.

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Common Questions About Shopping for Car Insurance

Here are some of the most common questions people ask when shopping for car insurance quotes. Click on each question to learn more about finding the best coverage for your needs.

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What's the cheapest auto insurance company?
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What are the best auto insurance companies?
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What's the best car insurance for teens & young drivers?
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What is full coverage auto insurance?
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What's the best car insurance for military & veterans?

Shop Car Insurance by Company Reviews

There are many factors to consider when shopping for car insurance. Finding a company with affordable rates is a great starting point, but other factors like customer satisfaction and the ability to pay claims are important when you need to use your coverage. Click below to see MoneyGeek's review of each car insurance company so you can make a choice that’s right for you.

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Best Auto Insurance Companies

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Cheapest Auto Insurance Companies

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Largest Auto Insurance Companies

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Shop Car Insurance By Car Make & Model

The car model you choose can have a significant impact on your car insurance rates. In general, the more a vehicle costs to purchase, the more expensive it is to insure. Newer cars, sports cars and electric vehicles also tend to have higher-than-average insurance prices. Click below to find average premiums for different makes and models.

Average Insurance Cost By Make & Model

Shop Car Insurance in Top Cities

Car insurance rates are different for each state, and they can even change from city to city. Assessing rates in your city can help you find the best policy for where you live. Keeping your car insurance local means you can talk with the same agent every time. If you want the best car insurance buying experience, with better customer service, sometimes it pays to shop locally. If you have specific questions or aren’t sure if you should file a claim, a local agent can help you make the best decision for your situation.

AlabamaGEICO is the cheapest in ALMontgomery, Birmingham, Mobile, Huntsville
AlaskaGEICO is the cheapest in AKAnchorage
ArizonaGEICO is the cheapest in AZSurprise, Tucson, Glendale, Chandler, Mesa, Tempe, Peoria, Phoenix, Gilbert, Scottsdale
ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock
CaliforniaEsurance is the cheapest in CAOntario, Anaheim, Fresno, Inglewood, San Jose, San Diego, Carlsbad, Victorville, San Mateo, Santa Clarita, Thousand Oaks, Rialto, Fremont, Jurupa Valley, Roseville, Temecula, Ventura, Los Angeles, Murrieta, Riverside, Chula Vista, Richmond, Norwalk, Clovis, San Francisco, Pasadena, Torrance, Antioch, Santa Maria, Orange, Corona, Vallejo, Pomona, Daly City, Concord, Garden Grove, Berkeley, Costa Mesa, San Bernardino, Fairfield, Oceanside, Rancho Cucamonga, Fontana, Santa Rosa, Visalia, West Covina, Long Beach, Bakersfield, Santa Ana, Elk Grove, Modesto, Palmdale, Moreno Valley, Sacramento, Glendale, Huntington Beach, Oakland, Sunnyvale, Escondido, Salinas, Santa Clara, Lancaster, Burbank, Downey, El Monte, Fullerton, Simi Valley, Stockton, Hayward, Irvine, Oxnard
ColoradoGEICO is the cheapest in COWestminster, Aurora, Denver, Colorado Springs, Arvada, Centennial, Boulder, Thornton, Fort Collins, Pueblo, Greeley, Lakewood
ConnecticutGEICO is the cheapest in CTNew Haven, Bridgeport, Waterbury, Hartford, Stamford
DelawareState Farm is the cheapest in DEWilmington
District Of ColumbiaGEICO is the cheapest in DC
FloridaGEICO is the cheapest in FLJacksonville, Cape Coral, Davie, Orlando, Palm Bay, Pompano Beach, Clearwater, Coral Springs, Hialeah, St. Petersburg, Miami Gardens, Hollywood, West Palm Beach, Pembroke Pines, Tallahassee, Port St. Lucie, Tampa, Fort Lauderdale, Gainesville, Miami, Lakeland, Miramar
GeorgiaNationwide is the cheapest in GAAugusta, Sandy Springs, Savannah, Athens, Macon, Columbus, Atlanta
HawaiiGEICO is the cheapest in HIHonolulu
IdahoState Farm is the cheapest in IDMeridian, Boise
IllinoisGEICO is the cheapest in ILJoliet, Rockford, Elgin, Chicago, Naperville, Peoria, Aurora, Springfield
IndianaErie is the cheapest in INEvansville, Indianapolis, Fort Wayne
IowaGEICO is the cheapest in IACedar Rapids, Des Moines
KansasAmerican Family is the cheapest in KSOlathe, Wichita, Kansas City, Overland Park, Topeka
KentuckyState Farm is the cheapest in KYLexington, Louisville
LouisianaSouthern Farm Bureau is the cheapest in LANew Orleans, Baton Rouge, Lafayette, Shreveport
MaineGEICO is the cheapest in MEPortland
MarylandErie is the cheapest in MDBaltimore
MassachusettsSafety Group is the cheapest in MASpringfield, Lowell, Cambridge, Boston, Worcester
MichiganGEICO is the cheapest in MIAnn Arbor, Warren, Lansing, Detroit, Grand Rapids, Sterling Heights
MinnesotaFarmers is the cheapest in MNSt. Paul, Minneapolis, Rochester
MississippiTravelers is the cheapest in MSJackson
MissouriAllstate is the cheapest in MOColumbia, Springfield, Kansas City, St. Louis, Independence
MontanaState Farm is the cheapest in MTBillings
NebraskaGEICO is the cheapest in NEOmaha, Lincoln
NevadaGEICO is the cheapest in NVSparks, Henderson, North Las Vegas, Las Vegas, Reno
New HampshireProgressive is the cheapest in NH
New JerseyGEICO is the cheapest in NJ
New MexicoMetLife is the cheapest in NM
New YorkGEICO is the cheapest in NY
North CarolinaNationwide is the cheapest in NC
North DakotaNodak Mutual is the cheapest in ND
OhioGEICO is the cheapest in OHToledo, Columbus, Cincinnati, Dayton, Akron, Cleveland
OklahomaGEICO is the cheapest in OKOklahoma City, Broken Arrow, Norman, Tulsa
OregonGEICO is the cheapest in ORHillsboro, Gresham, Portland, Eugene, Salem
PennsylvaniaErie is the cheapest in PAPhiladelphia, Pittsburgh, Allentown
Rhode IslandState Farm is the cheapest in RI
South CarolinaGEICO is the cheapest in SC
South DakotaState Farm is the cheapest in SD
TennesseeGEICO is the cheapest in TNKnoxville, Murfreesboro, Memphis, Nashville, Clarksville, Chattanooga
TexasFarmers is the cheapest in TXLubbock, Pearland, Amarillo, Irving, San Antonio, Sugar Land, Fort Worth, Frisco, Garland, League City, Houston, Allen, Carrollton, Dallas, Round Rock, McAllen, Lewisville, Mesquite, Odessa, Pasadena, Richardson, McKinney, Grand Prairie, Midland, Killeen, Tyler, College Station, El Paso, Beaumont, Arlington, Abilene, Corpus Christi, Wichita Falls, Waco, Denton, Austin, Laredo, Plano, Brownsville
UtahGEICO is the cheapest in UTWest Valley City, West Jordan, Salt Lake City, Provo
VermontVermont Mutual is the cheapest in VTBurlington
VirginiaProgressive is the cheapest in VANorfolk, Richmond, Hampton, Alexandria, Chesapeake, Virginia Beach, Newport News
WashingtonPEMCO is the cheapest in WABellevue, Spokane, Everett, Vancouver, Tacoma, Kent, Seattle
West VirginiaErie is the cheapest in WV
WisconsinGEICO is the cheapest in WIMadison, Milwaukee, Green Bay
WyomingState Farm is the cheapest in WYCheyenne
AlabamaGEICO is the cheapest in ALMontgomery, Birmingham, Mobile, Huntsville
AlaskaGEICO is the cheapest in AKAnchorage
ArizonaGEICO is the cheapest in AZSurprise, Tucson, Glendale, Chandler, Mesa, Tempe, Peoria, Phoenix, Gilbert, Scottsdale
ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock
CaliforniaEsurance is the cheapest in CAOntario, Anaheim, Fresno, Inglewood, San Jose, San Diego, Carlsbad, Victorville, San Mateo, Santa Clarita, Thousand Oaks, Rialto, Fremont, Jurupa Valley, Roseville, Temecula, Ventura, Los Angeles, Murrieta, Riverside, Chula Vista, Richmond, Norwalk, Clovis, San Francisco, Pasadena, Torrance, Antioch, Santa Maria, Orange, Corona, Vallejo, Pomona, Daly City, Concord, Garden Grove, Berkeley, Costa Mesa, San Bernardino, Fairfield, Oceanside, Rancho Cucamonga, Fontana, Santa Rosa, Visalia, West Covina, Long Beach, Bakersfield, Santa Ana, Elk Grove, Modesto, Palmdale, Moreno Valley, Sacramento, Glendale, Huntington Beach, Oakland, Sunnyvale, Escondido, Salinas, Santa Clara, Lancaster, Burbank, Downey, El Monte, Fullerton, Simi Valley, Stockton, Hayward, Irvine, Oxnard
ColoradoGEICO is the cheapest in COWestminster, Aurora, Denver, Colorado Springs, Arvada, Centennial, Boulder, Thornton, Fort Collins, Pueblo, Greeley, Lakewood
ConnecticutGEICO is the cheapest in CTNew Haven, Bridgeport, Waterbury, Hartford, Stamford
DelawareState Farm is the cheapest in DEWilmington
District Of ColumbiaGEICO is the cheapest in DC
FloridaGEICO is the cheapest in FLJacksonville, Cape Coral, Davie, Orlando, Palm Bay, Pompano Beach, Clearwater, Coral Springs, Hialeah, St. Petersburg, Miami Gardens, Hollywood, West Palm Beach, Pembroke Pines, Tallahassee, Port St. Lucie, Tampa, Fort Lauderdale, Gainesville, Miami, Lakeland, Miramar
GeorgiaNationwide is the cheapest in GAAugusta, Sandy Springs, Savannah, Athens, Macon, Columbus, Atlanta
HawaiiGEICO is the cheapest in HIHonolulu
IdahoState Farm is the cheapest in IDMeridian, Boise
IllinoisGEICO is the cheapest in ILJoliet, Rockford, Elgin, Chicago, Naperville, Peoria, Aurora, Springfield
IndianaErie is the cheapest in INEvansville, Indianapolis, Fort Wayne
IowaGEICO is the cheapest in IACedar Rapids, Des Moines
KansasAmerican Family is the cheapest in KSOlathe, Wichita, Kansas City, Overland Park, Topeka
KentuckyState Farm is the cheapest in KYLexington, Louisville
LouisianaSouthern Farm Bureau is the cheapest in LANew Orleans, Baton Rouge, Lafayette, Shreveport
MaineGEICO is the cheapest in MEPortland
MarylandErie is the cheapest in MDBaltimore
MassachusettsSafety Group is the cheapest in MASpringfield, Lowell, Cambridge, Boston, Worcester
MichiganGEICO is the cheapest in MIAnn Arbor, Warren, Lansing, Detroit, Grand Rapids, Sterling Heights
MinnesotaFarmers is the cheapest in MNSt. Paul, Minneapolis, Rochester
MississippiTravelers is the cheapest in MSJackson
MissouriAllstate is the cheapest in MOColumbia, Springfield, Kansas City, St. Louis, Independence
MontanaState Farm is the cheapest in MTBillings
NebraskaGEICO is the cheapest in NEOmaha, Lincoln
NevadaGEICO is the cheapest in NVSparks, Henderson, North Las Vegas, Las Vegas, Reno
New HampshireProgressive is the cheapest in NH
New JerseyGEICO is the cheapest in NJ
New MexicoMetLife is the cheapest in NM
New YorkGEICO is the cheapest in NY
North CarolinaNationwide is the cheapest in NC
North DakotaNodak Mutual is the cheapest in ND
OhioGEICO is the cheapest in OHToledo, Columbus, Cincinnati, Dayton, Akron, Cleveland
OklahomaGEICO is the cheapest in OKOklahoma City, Broken Arrow, Norman, Tulsa
OregonGEICO is the cheapest in ORHillsboro, Gresham, Portland, Eugene, Salem
PennsylvaniaErie is the cheapest in PAPhiladelphia, Pittsburgh, Allentown
Rhode IslandState Farm is the cheapest in RI
South CarolinaGEICO is the cheapest in SC
South DakotaState Farm is the cheapest in SD
TennesseeGEICO is the cheapest in TNKnoxville, Murfreesboro, Memphis, Nashville, Clarksville, Chattanooga
TexasFarmers is the cheapest in TXLubbock, Pearland, Amarillo, Irving, San Antonio, Sugar Land, Fort Worth, Frisco, Garland, League City, Houston, Allen, Carrollton, Dallas, Round Rock, McAllen, Lewisville, Mesquite, Odessa, Pasadena, Richardson, McKinney, Grand Prairie, Midland, Killeen, Tyler, College Station, El Paso, Beaumont, Arlington, Abilene, Corpus Christi, Wichita Falls, Waco, Denton, Austin, Laredo, Plano, Brownsville
UtahGEICO is the cheapest in UTWest Valley City, West Jordan, Salt Lake City, Provo
VermontVermont Mutual is the cheapest in VTBurlington
VirginiaProgressive is the cheapest in VANorfolk, Richmond, Hampton, Alexandria, Chesapeake, Virginia Beach, Newport News
WashingtonPEMCO is the cheapest in WABellevue, Spokane, Everett, Vancouver, Tacoma, Kent, Seattle
West VirginiaErie is the cheapest in WV
WisconsinGEICO is the cheapest in WIMadison, Milwaukee, Green Bay
WyomingState Farm is the cheapest in WYCheyenne
AlabamaGEICO is the cheapest in ALMontgomery, Birmingham, Mobile, Huntsville
AlaskaGEICO is the cheapest in AKAnchorage
ArizonaGEICO is the cheapest in AZSurprise, Tucson, Glendale, Chandler, Mesa, Tempe, Peoria, Phoenix, Gilbert, Scottsdale
ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock
CaliforniaEsurance is the cheapest in CAOntario, Anaheim, Fresno, Inglewood, San Jose, San Diego, Carlsbad, Victorville, San Mateo, Santa Clarita, Thousand Oaks, Rialto, Fremont, Jurupa Valley, Roseville, Temecula, Ventura, Los Angeles, Murrieta, Riverside, Chula Vista, Richmond, Norwalk, Clovis, San Francisco, Pasadena, Torrance, Antioch, Santa Maria, Orange, Corona, Vallejo, Pomona, Daly City, Concord, Garden Grove, Berkeley, Costa Mesa, San Bernardino, Fairfield, Oceanside, Rancho Cucamonga, Fontana, Santa Rosa, Visalia, West Covina, Long Beach, Bakersfield, Santa Ana, Elk Grove, Modesto, Palmdale, Moreno Valley, Sacramento, Glendale, Huntington Beach, Oakland, Sunnyvale, Escondido, Salinas, Santa Clara, Lancaster, Burbank, Downey, El Monte, Fullerton, Simi Valley, Stockton, Hayward, Irvine, Oxnard
ColoradoGEICO is the cheapest in COWestminster, Aurora, Denver, Colorado Springs, Arvada, Centennial, Boulder, Thornton, Fort Collins, Pueblo, Greeley, Lakewood
ConnecticutGEICO is the cheapest in CTNew Haven, Bridgeport, Waterbury, Hartford, Stamford
DelawareState Farm is the cheapest in DEWilmington
District Of ColumbiaGEICO is the cheapest in DC
FloridaGEICO is the cheapest in FLJacksonville, Cape Coral, Davie, Orlando, Palm Bay, Pompano Beach, Clearwater, Coral Springs, Hialeah, St. Petersburg, Miami Gardens, Hollywood, West Palm Beach, Pembroke Pines, Tallahassee, Port St. Lucie, Tampa, Fort Lauderdale, Gainesville, Miami, Lakeland, Miramar

Understand Car Insurance Laws by State

Car insurance is usually required by law, but the types of coverage and how much you need depend on the state you live in. Click on your state to learn more about the minimum insurance needed where you live, the cost of coverage meeting those requirements and the penalties for driving without insurance.

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How to Shop Car Insurance: Car Insurance Buying Guide

When it’s time to shop for car insurance, it can be overwhelming. That’s why MoneyGeek's compiled a thorough car insurance buying guide to help make the process easier. MoneyGeek's car buying guide can help you make the best decision on car insurance coverage, so you only pay for what you need.

1

Check Car Insurance Rates Frequently

If you’re like most, you’re living on a budget. Why pay more for car insurance when you don’t have to? To know you are getting the best deal on your car insurance, it’s a good idea to check rates frequently. Some people shop every time their car insurance renews, which is every six months or a year. If you don’t want to do it at each renewal, you should at least check every other year to compare car insurance quotes. Taking this step may save you some money.

When certain things happen in your life, use that as a reason to shop for car insurance:

  • Adding a new driver
  • An increase in premium (especially if you didn’t file a claim)
  • Buying a new or used car
  • Moving to a different city or state
  • Combining households
  • Getting a divorce

Some car insurance companies offer loyalty incentives for customers who keep their insurance with them year after year. However, just because you get a loyalty discount doesn’t mean you’re getting the best rate for your coverage. Each car insurance company offers its own set of discounts and incentives that could actually lower your rate, even if you get the same coverage limits.

For example, being a member of certain professional organizations or having affiliations could get you a discount.

If you have a student driver, they could be eligible for a good student discount, student away at school (if in college more than 100 miles away), driving safe discount programs and more.

When you shop for car insurance, make sure to ask about all available discounts to see which ones you are eligible for so you can get the best coverage at the cheapest rate.

2

Shop Top-Rated Car Insurers

While price is an important factor when shopping for car insurance, it’s not the only one to consider.

A company’s financial strength is also something to explore. If a company doesn’t have a strong financial portfolio, it may not be able to pay claims when the time arises. When you pay your premiums, you’re paying for a great claim experience, which includes fast and full payment when you have to submit a claim.

Other factors make some companies a better fit compared to others. You want to find the best car insurance that’s right for you and your individual circumstances.

3

Determine the Right Amount of Coverage for You

Almost every state has a minimum amount of liability coverage that you have to carry. The rest is on you to decide what you need, which can be overwhelming with the options available.

Here are some of the most common coverages a car insurance company offers and what they cover:

  • Personal Injury Protection (PIP): This coverage will pay for your medical bills and lost wages, regardless of who is at fault. Personal Injury Protection is not available in all states.
  • Medical payments: Similar to PIP, this coverage is also considered no-fault medical insurance to pay for medical costs incurred if you’re involved in an accident.
  • Full Coverage Comprehensive and Collision: Comprehensive coverage is considered “other-than-collision” coverage for vandalism, theft, weather events, broken windows or windshields and if you hit an animal. Collision coverage is for your vehicle if you hit another vehicle or fixed object. Together, they are often known as full coverage.
  • Uninsured and underinsured motorist (UM or UIM): This coverage pays to fix your car or cover your injuries if you are hit by someone who is not insured or doesn’t have enough car insurance coverage.
  • Gap Insurance: Not all states may have this coverage. Gap insurance coverage will pay for the “gap” between your car’s value and the amount you owe on a loan or lease if it’s totaled in an accident.
  • Roadside assistance: This provides coverage if your car breaks down, you need to tow your car, you run out of gas or you lock your keys in your car.
4

Find Ways to Save While Shopping for Car Insurance

Whether you’re looking to buy new car insurance or save with your current car insurance company, you can still create a savings budget. Before you shop, you may want to reach out to your current car insurance company to see if there are ways you can save money with your current policy.

You could make changes to your coverage or eliminate coverages that are no longer needed. Your insurer may offer discounts you weren’t aware of, or weren’t eligible for before becoming insured.

Even if your agent can save you money, it still can’t hurt to get some more quotes to compare your current policy for additional savings and reduce your car insurance costs. When you shop for car insurance, ask if you’re getting all the discounts you qualify for so you can get the cheapest rate for the best coverage.