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.

Shop for Car Insurance by State

Click on your state to find out how to get the best car insurance rates.

Car Insurance Quotes

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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 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 ALBirmingham, Huntsville, Montgomery, Mobile
AlaskaGEICO is the cheapest in AKAnchorage
ArizonaGEICO is the cheapest in AZChandler, Peoria, Tucson, Mesa, Surprise, Glendale, Gilbert, Tempe, Phoenix, Scottsdale
ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock
CaliforniaEsurance is the cheapest in CASan Jose, Oxnard, Salinas, Santa Maria, Ontario, Huntington Beach, Fremont, Rancho Cucamonga, Fontana, Corona, Santa Clarita, Santa Rosa, Moreno Valley, Daly City, Los Angeles, Fresno, Simi Valley, Sacramento, San Diego, Hayward, Lancaster, Long Beach, Oakland, Bakersfield, Irvine, Stockton, Oceanside, Glendale, Chula Vista, San Bernardino, San Francisco, Modesto, Santa Ana, Anaheim, Victorville, Palmdale, Riverside, Downey, Fullerton, Santa Clara, Burbank, Sunnyvale, El Monte, Escondido, Elk Grove, Garden Grove
ColoradoGEICO is the cheapest in CODenver, Pueblo, Lakewood, Fort Collins, Colorado Springs, Aurora, Greeley
ConnecticutGEICO is the cheapest in CTStamford, Bridgeport, New Haven
DelawareState Farm is the cheapest in DEWilmington
District Of ColumbiaGEICO is the cheapest in DC
FloridaGEICO is the cheapest in FLHialeah, Fort Lauderdale, Gainesville, Pembroke Pines, Miami, Tampa, Jacksonville, Lakeland, Orlando, Port St. Lucie, St. Petersburg, Tallahassee, Cape Coral, Clearwater, Miramar
GeorgiaNationwide is the cheapest in GAColumbus, Atlanta, Augusta, Savannah
HawaiiGEICO is the cheapest in HIHonolulu
IdahoState Farm is the cheapest in IDBoise
IllinoisGEICO is the cheapest in ILRockford, Aurora, Chicago, Springfield, Peoria
IndianaErie is the cheapest in INIndianapolis, Fort Wayne
IowaGEICO is the cheapest in IADes Moines
KansasAmerican Family is the cheapest in KSWichita, Topeka, Olathe, Overland Park
KentuckyState Farm is the cheapest in KYLexington, Louisville
LouisianaSouthern Farm Bureau is the cheapest in LABaton Rouge, New Orleans, Shreveport, Lafayette
MaineGEICO is the cheapest in MEPortland
MarylandErie is the cheapest in MDBaltimore
MassachusettsSafety Group is the cheapest in MASpringfield, Boston, Worcester
MichiganGEICO is the cheapest in MISterling Heights, Grand Rapids, Detroit, Lansing
MinnesotaFarmers is the cheapest in MNSt. Paul, Minneapolis, Rochester
MississippiTravelers is the cheapest in MSJackson
MissouriAllstate is the cheapest in MOSpringfield, Columbia, Kansas City, St. Louis, Independence
MontanaState Farm is the cheapest in MTBillings
NebraskaGEICO is the cheapest in NEOmaha, Lincoln
NevadaGEICO is the cheapest in NVNorth Las Vegas, Reno, Las Vegas, Henderson
New HampshireProgressive is the cheapest in NHManchester
New JerseyGEICO is the cheapest in NJJersey City, Newark
New MexicoMetLife is the cheapest in NMAlbuquerque
New YorkGEICO is the cheapest in NYBuffalo, New York, Rochester, Yonkers, Syracuse
North CarolinaNationwide is the cheapest in NCWinston-Salem, Wilmington, Greensboro, Raleigh, Fayetteville, Charlotte, High Point, Cary, Durham
North DakotaNodak Mutual is the cheapest in NDFargo
OhioGEICO is the cheapest in OHColumbus, Dayton, Cleveland, Cincinnati, Akron, Toledo
OklahomaGEICO is the cheapest in OKOklahoma City, Tulsa
OregonGEICO is the cheapest in ORPortland, Eugene, Salem
PennsylvaniaErie is the cheapest in PAPittsburgh, Philadelphia, Allentown
Rhode IslandState Farm is the cheapest in RIProvidence
South CarolinaGEICO is the cheapest in SCCharleston, Columbia
South DakotaState Farm is the cheapest in SDSioux Falls
TennesseeGEICO is the cheapest in TNKnoxville, Chattanooga, Nashville, Clarksville, Memphis, Murfreesboro
TexasFarmers is the cheapest in TXDallas, Brownsville, Odessa, Fort Worth, Irving, Laredo, Wichita Falls, Houston, Killeen, Tyler, Waco, Garland, Austin, Amarillo, Arlington, Grand Prairie, El Paso, McAllen, Plano, San Antonio, Abilene, Beaumont, Lubbock, Corpus Christi, Frisco, Denton, Midland, McKinney
UtahGEICO is the cheapest in UTSalt Lake City
VermontVermont Mutual is the cheapest in VTBurlington
VirginiaProgressive is the cheapest in VANorfolk, Richmond, Chesapeake, Virginia Beach, Newport News, Alexandria
WashingtonPEMCO is the cheapest in WASeattle, Spokane, Tacoma, Kent, Vancouver
West VirginiaErie is the cheapest in WVCharleston
WisconsinGEICO is the cheapest in WIMadison, Milwaukee
WyomingState Farm is the cheapest in WYCheyenne
AlabamaGEICO is the cheapest in ALBirmingham, Huntsville, Montgomery, Mobile
AlaskaGEICO is the cheapest in AKAnchorage
ArizonaGEICO is the cheapest in AZChandler, Peoria, Tucson, Mesa, Surprise, Glendale, Gilbert, Tempe, Phoenix, Scottsdale
ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock
CaliforniaEsurance is the cheapest in CASan Jose, Oxnard, Salinas, Santa Maria, Ontario, Huntington Beach, Fremont, Rancho Cucamonga, Fontana, Corona, Santa Clarita, Santa Rosa, Moreno Valley, Daly City, Los Angeles, Fresno, Simi Valley, Sacramento, San Diego, Hayward, Lancaster, Long Beach, Oakland, Bakersfield, Irvine, Stockton, Oceanside, Glendale, Chula Vista, San Bernardino, San Francisco, Modesto, Santa Ana, Anaheim, Victorville, Palmdale, Riverside, Downey, Fullerton, Santa Clara, Burbank, Sunnyvale, El Monte, Escondido, Elk Grove, Garden Grove
ColoradoGEICO is the cheapest in CODenver, Pueblo, Lakewood, Fort Collins, Colorado Springs, Aurora, Greeley
ConnecticutGEICO is the cheapest in CTStamford, Bridgeport, New Haven
DelawareState Farm is the cheapest in DEWilmington
District Of ColumbiaGEICO is the cheapest in DC
FloridaGEICO is the cheapest in FLHialeah, Fort Lauderdale, Gainesville, Pembroke Pines, Miami, Tampa, Jacksonville, Lakeland, Orlando, Port St. Lucie, St. Petersburg, Tallahassee, Cape Coral, Clearwater, Miramar
GeorgiaNationwide is the cheapest in GAColumbus, Atlanta, Augusta, Savannah
HawaiiGEICO is the cheapest in HIHonolulu
IdahoState Farm is the cheapest in IDBoise
IllinoisGEICO is the cheapest in ILRockford, Aurora, Chicago, Springfield, Peoria
IndianaErie is the cheapest in INIndianapolis, Fort Wayne
IowaGEICO is the cheapest in IADes Moines
KansasAmerican Family is the cheapest in KSWichita, Topeka, Olathe, Overland Park
KentuckyState Farm is the cheapest in KYLexington, Louisville
LouisianaSouthern Farm Bureau is the cheapest in LABaton Rouge, New Orleans, Shreveport, Lafayette
MaineGEICO is the cheapest in MEPortland
MarylandErie is the cheapest in MDBaltimore
MassachusettsSafety Group is the cheapest in MASpringfield, Boston, Worcester
MichiganGEICO is the cheapest in MISterling Heights, Grand Rapids, Detroit, Lansing
MinnesotaFarmers is the cheapest in MNSt. Paul, Minneapolis, Rochester
MississippiTravelers is the cheapest in MSJackson
MissouriAllstate is the cheapest in MOSpringfield, Columbia, Kansas City, St. Louis, Independence
MontanaState Farm is the cheapest in MTBillings
NebraskaGEICO is the cheapest in NEOmaha, Lincoln
NevadaGEICO is the cheapest in NVNorth Las Vegas, Reno, Las Vegas, Henderson
New HampshireProgressive is the cheapest in NHManchester
New JerseyGEICO is the cheapest in NJJersey City, Newark
New MexicoMetLife is the cheapest in NMAlbuquerque
New YorkGEICO is the cheapest in NYBuffalo, New York, Rochester, Yonkers, Syracuse
North CarolinaNationwide is the cheapest in NCWinston-Salem, Wilmington, Greensboro, Raleigh, Fayetteville, Charlotte, High Point, Cary, Durham
North DakotaNodak Mutual is the cheapest in NDFargo
OhioGEICO is the cheapest in OHColumbus, Dayton, Cleveland, Cincinnati, Akron, Toledo
OklahomaGEICO is the cheapest in OKOklahoma City, Tulsa
OregonGEICO is the cheapest in ORPortland, Eugene, Salem
PennsylvaniaErie is the cheapest in PAPittsburgh, Philadelphia, Allentown
Rhode IslandState Farm is the cheapest in RIProvidence
South CarolinaGEICO is the cheapest in SCCharleston, Columbia
South DakotaState Farm is the cheapest in SDSioux Falls
TennesseeGEICO is the cheapest in TNKnoxville, Chattanooga, Nashville, Clarksville, Memphis, Murfreesboro
TexasFarmers is the cheapest in TXDallas, Brownsville, Odessa, Fort Worth, Irving, Laredo, Wichita Falls, Houston, Killeen, Tyler, Waco, Garland, Austin, Amarillo, Arlington, Grand Prairie, El Paso, McAllen, Plano, San Antonio, Abilene, Beaumont, Lubbock, Corpus Christi, Frisco, Denton, Midland, McKinney
UtahGEICO is the cheapest in UTSalt Lake City
VermontVermont Mutual is the cheapest in VTBurlington
VirginiaProgressive is the cheapest in VANorfolk, Richmond, Chesapeake, Virginia Beach, Newport News, Alexandria
WashingtonPEMCO is the cheapest in WASeattle, Spokane, Tacoma, Kent, Vancouver
West VirginiaErie is the cheapest in WVCharleston
WisconsinGEICO is the cheapest in WIMadison, Milwaukee
WyomingState Farm is the cheapest in WYCheyenne
AlabamaGEICO is the cheapest in ALBirmingham, Huntsville, Montgomery, Mobile
AlaskaGEICO is the cheapest in AKAnchorage
ArizonaGEICO is the cheapest in AZChandler, Peoria, Tucson, Mesa, Surprise, Glendale, Gilbert, Tempe, Phoenix, Scottsdale
ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock
CaliforniaEsurance is the cheapest in CASan Jose, Oxnard, Salinas, Santa Maria, Ontario, Huntington Beach, Fremont, Rancho Cucamonga, Fontana, Corona, Santa Clarita, Santa Rosa, Moreno Valley, Daly City, Los Angeles, Fresno, Simi Valley, Sacramento, San Diego, Hayward, Lancaster, Long Beach, Oakland, Bakersfield, Irvine, Stockton, Oceanside, Glendale, Chula Vista, San Bernardino, San Francisco, Modesto, Santa Ana, Anaheim, Victorville, Palmdale, Riverside, Downey, Fullerton, Santa Clara, Burbank, Sunnyvale, El Monte, Escondido, Elk Grove, Garden Grove
ColoradoGEICO is the cheapest in CODenver, Pueblo, Lakewood, Fort Collins, Colorado Springs, Aurora, Greeley
ConnecticutGEICO is the cheapest in CTStamford, Bridgeport, New Haven
DelawareState Farm is the cheapest in DEWilmington
District Of ColumbiaGEICO is the cheapest in DC
FloridaGEICO is the cheapest in FLHialeah, Fort Lauderdale, Gainesville, Pembroke Pines, Miami, Tampa, Jacksonville, Lakeland, Orlando, Port St. Lucie, St. Petersburg, Tallahassee, Cape Coral, Clearwater, 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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AlabamaAverage annual cost of minimum car insurance in AL is 827Birmingham
AlaskaAverage annual cost of minimum car insurance in AK is 882Anchorage
ArizonaAverage annual cost of minimum car insurance in AZ is 770Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert
ArkansasAverage annual cost of minimum car insurance in AR is 843Little Rock
CaliforniaAverage annual cost of minimum car insurance in CA is 1055Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Irvine, Chula Vista, Fremont, San Bernardino, Modesto, Fontana, Santa Clarita, Oxnard, Moreno Valley, Santa Rosa
ColoradoAverage annual cost of minimum car insurance in CO is 872Denver, Colorado Springs, Aurora
ConnecticutAverage annual cost of minimum car insurance in CT is 925Bridgeport
DelawareAverage annual cost of minimum car insurance in DE is 1229Wilmington
District Of ColumbiaAverage annual cost of minimum car insurance in DC is 606
FloridaAverage annual cost of minimum car insurance in FL is 1337Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah
GeorgiaAverage annual cost of minimum car insurance in GA is 1372Atlanta
HawaiiAverage annual cost of minimum car insurance in HI is 646Honolulu
IdahoAverage annual cost of minimum car insurance in ID is 547Boise
IllinoisAverage annual cost of minimum car insurance in IL is 789Chicago
IndianaAverage annual cost of minimum car insurance in IN is 546Indianapolis, Fort Wayne
IowaAverage annual cost of minimum car insurance in IA is 473Des Moines
KansasAverage annual cost of minimum car insurance in KS is 758Wichita
KentuckyAverage annual cost of minimum car insurance in KY is 872Louisville, Lexington
LouisianaAverage annual cost of minimum car insurance in LA is 1612New Orleans, Baton Rouge
MaineAverage annual cost of minimum car insurance in ME is 460Portland
MarylandAverage annual cost of minimum car insurance in MD is 1545Baltimore
MassachusettsAverage annual cost of minimum car insurance in MA is 730Boston
MichiganAverage annual cost of minimum car insurance in MI is 2728Detroit
MinnesotaAverage annual cost of minimum car insurance in MN is 940Minneapolis, St. Paul
MississippiAverage annual cost of minimum car insurance in MS is 879Jackson
MissouriAverage annual cost of minimum car insurance in MO is 893Kansas City, St. Louis
MontanaAverage annual cost of minimum car insurance in MT is 751Billings
NebraskaAverage annual cost of minimum car insurance in NE is 700Omaha, Lincoln
NevadaAverage annual cost of minimum car insurance in NV is 1083Las Vegas, Henderson, Reno, North Las Vegas
New HampshireAverage annual cost of minimum car insurance in NH is 593Manchester
New JerseyAverage annual cost of minimum car insurance in NJ is 1035Newark, Jersey City
New MexicoAverage annual cost of minimum car insurance in NM is 910Albuquerque
New YorkAverage annual cost of minimum car insurance in NY is 1867Buffalo, New York
North CarolinaAverage annual cost of minimum car insurance in NC is 600Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville
North DakotaAverage annual cost of minimum car insurance in ND is 492Fargo
OhioAverage annual cost of minimum car insurance in OH is 572Columbus, Cleveland, Cincinnati, Toledo
OklahomaAverage annual cost of minimum car insurance in OK is 774Oklahoma City, Tulsa
OregonAverage annual cost of minimum car insurance in OR is 979Portland
PennsylvaniaAverage annual cost of minimum car insurance in PA is 1328Philadelphia, Pittsburgh
Rhode IslandAverage annual cost of minimum car insurance in RI is 790Providence
South CarolinaAverage annual cost of minimum car insurance in SC is 853Charleston
South DakotaAverage annual cost of minimum car insurance in SD is 675Sioux Falls
TennesseeAverage annual cost of minimum car insurance in TN is 776Nashville, Memphis
TexasAverage annual cost of minimum car insurance in TX is 821Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving
UtahAverage annual cost of minimum car insurance in UT is 677Salt Lake City
VermontAverage annual cost of minimum car insurance in VT is 479Burlington
VirginiaAverage annual cost of minimum car insurance in VA is 504Virginia Beach, Norfolk, Chesapeake, Richmond
WashingtonAverage annual cost of minimum car insurance in WA is 800Seattle, Spokane, Tacoma
West VirginiaAverage annual cost of minimum car insurance in WV is 698Charleston
WisconsinAverage annual cost of minimum car insurance in WI is 631Milwaukee, Madison
WyomingAverage annual cost of minimum car insurance in WY is 726Cheyenne
AlabamaAverage annual cost of minimum car insurance in AL is 827Birmingham
AlaskaAverage annual cost of minimum car insurance in AK is 882Anchorage
ArizonaAverage annual cost of minimum car insurance in AZ is 770Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert
ArkansasAverage annual cost of minimum car insurance in AR is 843Little Rock
CaliforniaAverage annual cost of minimum car insurance in CA is 1055Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Irvine, Chula Vista, Fremont, San Bernardino, Modesto, Fontana, Santa Clarita, Oxnard, Moreno Valley, Santa Rosa
ColoradoAverage annual cost of minimum car insurance in CO is 872Denver, Colorado Springs, Aurora
ConnecticutAverage annual cost of minimum car insurance in CT is 925Bridgeport
DelawareAverage annual cost of minimum car insurance in DE is 1229Wilmington
District Of ColumbiaAverage annual cost of minimum car insurance in DC is 606
FloridaAverage annual cost of minimum car insurance in FL is 1337Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah
GeorgiaAverage annual cost of minimum car insurance in GA is 1372Atlanta
HawaiiAverage annual cost of minimum car insurance in HI is 646Honolulu
IdahoAverage annual cost of minimum car insurance in ID is 547Boise
IllinoisAverage annual cost of minimum car insurance in IL is 789Chicago
IndianaAverage annual cost of minimum car insurance in IN is 546Indianapolis, Fort Wayne
IowaAverage annual cost of minimum car insurance in IA is 473Des Moines
KansasAverage annual cost of minimum car insurance in KS is 758Wichita
KentuckyAverage annual cost of minimum car insurance in KY is 872Louisville, Lexington
LouisianaAverage annual cost of minimum car insurance in LA is 1612New Orleans, Baton Rouge
MaineAverage annual cost of minimum car insurance in ME is 460Portland
MarylandAverage annual cost of minimum car insurance in MD is 1545Baltimore
MassachusettsAverage annual cost of minimum car insurance in MA is 730Boston
MichiganAverage annual cost of minimum car insurance in MI is 2728Detroit
MinnesotaAverage annual cost of minimum car insurance in MN is 940Minneapolis, St. Paul
MississippiAverage annual cost of minimum car insurance in MS is 879Jackson
MissouriAverage annual cost of minimum car insurance in MO is 893Kansas City, St. Louis
MontanaAverage annual cost of minimum car insurance in MT is 751Billings
NebraskaAverage annual cost of minimum car insurance in NE is 700Omaha, Lincoln
NevadaAverage annual cost of minimum car insurance in NV is 1083Las Vegas, Henderson, Reno, North Las Vegas
New HampshireAverage annual cost of minimum car insurance in NH is 593Manchester
New JerseyAverage annual cost of minimum car insurance in NJ is 1035Newark, Jersey City
New MexicoAverage annual cost of minimum car insurance in NM is 910Albuquerque
New YorkAverage annual cost of minimum car insurance in NY is 1867Buffalo, New York
North CarolinaAverage annual cost of minimum car insurance in NC is 600Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville
North DakotaAverage annual cost of minimum car insurance in ND is 492Fargo
OhioAverage annual cost of minimum car insurance in OH is 572Columbus, Cleveland, Cincinnati, Toledo
OklahomaAverage annual cost of minimum car insurance in OK is 774Oklahoma City, Tulsa
OregonAverage annual cost of minimum car insurance in OR is 979Portland
PennsylvaniaAverage annual cost of minimum car insurance in PA is 1328Philadelphia, Pittsburgh
Rhode IslandAverage annual cost of minimum car insurance in RI is 790Providence
South CarolinaAverage annual cost of minimum car insurance in SC is 853Charleston
South DakotaAverage annual cost of minimum car insurance in SD is 675Sioux Falls
TennesseeAverage annual cost of minimum car insurance in TN is 776Nashville, Memphis
TexasAverage annual cost of minimum car insurance in TX is 821Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving
UtahAverage annual cost of minimum car insurance in UT is 677Salt Lake City
VermontAverage annual cost of minimum car insurance in VT is 479Burlington
VirginiaAverage annual cost of minimum car insurance in VA is 504Virginia Beach, Norfolk, Chesapeake, Richmond
WashingtonAverage annual cost of minimum car insurance in WA is 800Seattle, Spokane, Tacoma
West VirginiaAverage annual cost of minimum car insurance in WV is 698Charleston
WisconsinAverage annual cost of minimum car insurance in WI is 631Milwaukee, Madison
WyomingAverage annual cost of minimum car insurance in WY is 726Cheyenne
AlabamaAverage annual cost of minimum car insurance in AL is 827Birmingham
AlaskaAverage annual cost of minimum car insurance in AK is 882Anchorage
ArizonaAverage annual cost of minimum car insurance in AZ is 770Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert
ArkansasAverage annual cost of minimum car insurance in AR is 843Little Rock
CaliforniaAverage annual cost of minimum car insurance in CA is 1055Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Irvine, Chula Vista, Fremont, San Bernardino, Modesto, Fontana, Santa Clarita, Oxnard, Moreno Valley, Santa Rosa
ColoradoAverage annual cost of minimum car insurance in CO is 872Denver, Colorado Springs, Aurora
ConnecticutAverage annual cost of minimum car insurance in CT is 925Bridgeport
DelawareAverage annual cost of minimum car insurance in DE is 1229Wilmington
District Of ColumbiaAverage annual cost of minimum car insurance in DC is 606
FloridaAverage annual cost of minimum car insurance in FL is 1337Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah

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.