Compare Car Insurance Quotes & Rates for 2021

Our analysts dug into data on auto insurance quotes, breaking down rates by age, vehicle type, driving record, location and credit score. Use our data to learn more about the best way to compare car insurance quotes.

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Comparing car insurance quotes from multiple insurance providers will help you get the best car insurance rates and coverage. Insurers use many factors to calculate the cost of your insurance including your zip code, age and driving record. It’s only when you compare prices across insurers that you’ll discover which one charges the least for you.

The MoneyGeek team analyzed over 400,000 quotes from the best car insurance providers to help you compare sample rates and see how different companies stack up. And if you’re ready to start comparing quotes, we’ve provided guidance on all the steps you should take to ensure a fair comparison.

Why Comparing Car Insurance Quotes is Important

Comparing car insurance quotes side-by-side is important because every car insurance company calculates rates differently. Certain characteristics about you could make one option much more affordable than another, and switching car insurance could save you hundreds of dollars per year.

For example, all insurers tend to charge higher rates for young drivers than others, but certain insurers charge particularly expensive rates for teens, making them a poor choice for young drivers looking for savings. Age is one of many factors used to calculate rates, and these factors can alter your quote by thousands of dollars per year. We’ve highlighted how much rates can change between the cheapest and most expensive insurer for some of the most important of these factors.

  • Age: The difference between the most expensive and cheapest quote for a young driver is over $4,000 per year.
  • Vehicle Model: For certain car models, we found a difference of $3,600 per year between individual companies.
  • Credit Score: Drivers with poor credit who shop around could save up to $2,700 per year.
  • Driving Record: A driver with an accident on their record could save over $1,700 per year by getting a quite with the cheapest insurer.

You should also use our resources for comparing quotes in your state. Prices at a national level are a good guide, but certain insurers will offer much cheaper quotes in some states than in others.

Finally, MoneyGeek has tools for you to compare quotes instantly. If you want to see how a combination of age, location, vehicle type, driving record and other factors combine to make a unique quote, you can use MoneyGeek's car insurance calculator below.

Auto Insurance Calculator

State

Texas

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click the section of the wheel in your price range to see options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$432

2.

Farmers

$452

4.

AAA

$565

5.

GEICO

$574

Compare Car Insurance Rates for the Average Driver

To get an idea of the average car insurance quote with different companies in each state, MoneyGeek did research using a general quote based on the same driver information. The driver used for this quote example is a 40-year-old person who owns a Toyota Camry with no accidents on his driving record.

The MoneyGeek study analyzed hundreds of cities in all 50 states to get an average car insurance rate for the average driver. Use the table below to get a general idea of what rates are among the most common insurance companies.

Comparison of Car Insurance Rates - By Company

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Compare Car Insurance Prices by Age

Two age groups are the most expensive to insure: younger, inexperienced teen drivers and senior drivers. These two groups have the highest accident rates compared to other age groups.

MoneyGeek found that:

  • The average 40-year-old driver would pay $1,336 per year for auto insurance.
  • The average 70-year-old driver would pay $1,390 per year for auto insurance.
  • The average 18-year-old would pay $4,868 per year on car insurance.

You can also look at the average annual premiums in the table below and compare each of the nine common car insurance companies with each age group.

Average Annual Car Insurance Premiums by Age
Company
18 Year-Old
40-Year-Old
70-Year-Old

Allstate

$3,916

$1,351

$1,377

Farmers

$6,681

$1,578

$1,655

GEICO

$3,488

$1,047

$1,151

MetLife

$6,411

$1,686

$1,665

Nationwide

$4,912

$1,341

$1,345

Progressive

$5,990

$1,381

$1,547

State Farm

$3,280

$1,235

$1,145

Travelers

$6,751

$1,525

$1,658

USAA

$2,382

$883

$967

According to data compiled by the AAA Foundation, drivers aged 16 to 17 are three times more likely to be involved in a car accident than drivers 60 or older. The data shows that drivers aged 60 to 69 have the lowest instance of vehicle crashes, with almost double the chance of being involved in a car accident once the driver is 80 or older.

For younger drivers, it may seem like a lot of money to put toward insurance. You might debate whether you need your own insurance, or you can stay on a parent's plan. Whichever you decide, consider doing some research on the best car insurance for students so you can budget your money accordingly.

Same for senior drivers. There are also options to obtain the best auto insurance for seniors that fit your needs.

Car Insurance Quotes Comparison - Vehicle Type

Just like household details, the type of vehicle you drive can affect your car insurance rates. The more expensive a car is to repair, the more it costs to insure. Several factors will affect the cost of insuring a particular model including its repair costs, its safety ratings, the likelihood it will be stolen and whether it is the type of car, such as a sports car, in which drivers are less likely to drive safely.

MoneyGeek found that, depending on the model, the cost to insure a car can change by almost $1,800 per year. For our sample driver, the cheapest car model to insure was a Jeep Patriot, at a cost of $1,085 per year, while the most expensive was a Tesla Model Y, which cost $2,878 to insure.

When car shopping, it’s always a good idea to get several car insurance quotes to compare, especially if you’re looking at more than one option. Take a look at the chart below to see the average annual premium for over 50 car models.

Comparison of Car Insurance Rates - By Car Model

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  • Car Model
    Average Annual Premium
  • Jeep Patriot
    $1,085
  • Honda CR-V
    $1,099
  • Subaru Outback
    $1,121
  • Honda Fit
    $1,141
  • Jeep Wrangler
    $1,146
  • Ford Escape
    $1,157
  • Chevy Equinox
    $1,165
  • Toyota Tacoma
    $1,181
  • Toyota RAV4
    $1,181
  • Ford F-150
    $1,184
  • Nissan 350Z
    $1,197
  • Jeep Cherokee
    $1,225
  • Ford Explorer
    $1,228
  • Subaru Impreza
    $1,232
  • Honda Accord
    $1,234
  • Chevy Silverado
    $1,237
  • Jeep Grand Cherokee
    $1,238
  • Ford Focus
    $1,253
  • Mazda3
    $1,261
  • VW Beetle
    $1,261
  • Chevy Malibu
    $1,271
  • VW Jetta
    $1,272
  • Toyota Corolla
    $1,273
  • Toyota Camry
    $1,276
  • Chevrolet Cruze
    $1,277
  • Acura MDX
    $1,279
  • Ford Taurus
    $1,279
  • Hyundai Elantra
    $1,282
  • Nissan Sentra
    $1,300
  • Honda Civic
    $1,311
  • Chevy Tahoe
    $1,319
  • Nissan Altima
    $1,323
  • Jeep Gladiator
    $1,355
  • Ram Rebel
    $1,368
  • Nissan LEAF
    $1,383
  • Audi Q5
    $1,428
  • Ram 2500
    $1,440
  • Subaru WRX
    $1,442
  • Dodge Charger
    $1,447
  • Chevrolet Camaro
    $1,462
  • Nissan Maxima
    $1,494
  • Subaru BRZ
    $1,495
  • Audi A4
    $1,528
  • Chevy Bolt
    $1,529
  • BMW 3 Series
    $1,560
  • Dodge Challenger
    $1,567
  • Ford Mustang
    $1,571
  • Nissan 370Z
    $1,579
  • Mercedes C-Class
    $1,633
  • Chevrolet Corvette
    $1,680
  • Tesla Model 3
    $1,712
  • Tesla Model X
    $2,368
  • Tesla Model S
    $2,402
  • Nissan GT-R
    $2,520
  • Audi R8
    $2,770
  • BMW i8
    $2,810
  • Tesla Model Y
    $2,878

Car Insurance Quotes Comparison - Driving Record

The best way to keep car insurance rates low is for all household drivers to maintain a clean driving record. Any ticket or accident has the potential to increase car insurance rates, meaning it's harder to find cheap car insurance with a poor record.

MoneyGeek found that:

  • A ticket increases car insurance rates by an average of 29%.
  • An accident increases car insurance prices by an average of 50%.

We’ve broken out the rate increases by individual insurers, as some companies will charge more than others after a driving violation.

Drivers With Tickets

Using the study data, MoneyGeek determined the average rate increase one can expect if an accident occurs or a ticket is found on the driving record. According to the data, one ticket can increase car insurance rates by an overall average of 29%. You can compare each of the insurance companies below.

Comparison of Car Insurance Rates - Drivers With Tickets
Company
Average Driver
Speeding Ticket
Increase for Ticket vs Average (%)

Allstate

$1,351

$1,652

22.28%

Farmers

$1,578

$2,058

30.42%

GEICO

$1,047

$1,407

34.38%

MetLife

$1,686

$2,084

23.61%

Nationwide

$1,341

$1,561

16.41%

Progressive

$1,381

$1,964

42.22%

State Farm

$1,235

$1,503

21.70%

Travelers

$1,525

$2,167

42.10%

USAA

$883

$1,015

14.95%

Drivers With Accidents

The same data was used to see how an accident would affect the rates on a car insurance policy. Auto accidents usually have more of a negative effect on car insurance rates than a ticket. The data supports this as it shows the average car insurance rate increase due to an accident is 50% when you take into account all average annual premiums below. You can also review the table below for each of the common car insurance companies.

Comparison of Car Insurance Rates - Drivers With Accidents
Company
Average Driver
Accident
Increase for Accident vs. Average (%)

Allstate

$1,351

$2,034

50.56%

Farmers

$1,578

$2,364

49.81%

GEICO

$1,047

$1,660

58.55%

MetLife

$1,686

$3,114

84.70%

Nationwide

$1,341

$1,950

45.41%

Progressive

$1,381

$2,452

77.55%

State Farm

$1,235

$1,583

28.18%

Travelers

$1,525

$2,373

55.61%

USAA

$883

$1,337

51.42%

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Car Insurance Quotes Comparison - Credit Score

Most car insurance companies use the applicant's credit score as a factor to help determine the insurance rate. Your credit score can significantly impact your car insurance rate, with good or better credit getting the best rates.

Our data shows that:

  • A driver with good credit would pay an overall average of $1,379 per year for car insurance.
  • The same driver with fair credit would pay an average of 16% more per year.
  • An identical driver with poor credit will pay an average of 63% more than a driver with fair credit and 88% more than a person with good credit.

Even if you don't have a good credit score, you can still find affordable car insurance with bad credit. Take a look at the table below to see how each insurer compares across the different credit score grades.

Comparison of Car Insurance Rates - By Credit Score
Company
Poor Credit
Fair Credit
Good Credit

Allstate

$2,254

$1,604

$1,351

Farmers

$3,281

$1,776

$1,578

GEICO

$1,681

$1,211

$1,047

MetLife

$4,248

$2,332

$1,686

Nationwide

$1,780

$1,518

$1,341

Progressive

$2,475

$1,792

$1,381

State Farm

$2,527

$1,482

$1,235

Travelers

$2,490

$1,722

$1,525

USAA

$1,460

$936

$883

Credit scoring for auto insurance is different than for loans and credit cards. According to the National Association of Insurance Commissioners (NAIC), the top three factors that go into credit-based insurance scoring are payment history, outstanding debt and credit history length.

Credit score ranges for this example are defined as:

  • Good: 769–794
  • Fair: 710–740
  • Poor: 524–577

Almost all 50 states use credit scores as a determining factor when preparing car insurance quotes. California, Hawaii and Massachusetts are the only states that do not use credit scores to determine car insurance rates.

Compare Car Insurance Quotes by State

Every state has different car insurance requirements that drivers have to meet. Not all coverages are required, which can influence car insurance rates. For example, some states require personal injury protection (PIP) and uninsured/underinsured motorist (UM) coverages on all car insurance policies, while others offer this as optional coverage.

MoneyGeek's data analysis shows that Maine is 89% less expensive than the most expensive state, Michigan. On average, you can expect to pay $577 per year on car insurance in Maine, while those who live in Michigan should expect to pay an average of $5,182 for the same coverage.

Comparison of Car Insurance Rates - By State

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  • State
    Average Premium
  • AK
    $911
  • AL
    $1,171
  • AR
    $1,145
  • AZ
    $1,251
  • CA
    $1,409
  • CO
    $1,381
  • CT
    $1,376
  • DC
    $1,126
  • DE
    $1,377
  • FL
    $2,067
  • GA
    $1,567
  • HI
    $998
  • IA
    $765
  • ID
    $706
  • IL
    $1,115
  • IN
    $725
  • KS
    $897
  • KY
    $1,337
  • LA
    $2,858
  • MA
    $1,096
  • MD
    $2,036
  • ME
    $577
  • MI
    $5,182
  • MN
    $1,165
  • MO
    $1,237
  • MS
    $1,060
  • MT
    $1,128
  • NC
    $841
  • ND
    $714
  • NE
    $902
  • NH
    $744
  • NJ
    $1,674
  • NM
    $1,133
  • NV
    $1,763
  • NY
    $3,282
  • OH
    $778
  • OK
    $1,246
  • OR
    $1,144
  • PA
    $1,742
  • RI
    $1,730
  • SC
    $1,108
  • SD
    $789
  • TN
    $981
  • TX
    $1,277
  • UT
    $1,108
  • VA
    $777
  • VT
    $765
  • WA
    $1,207
  • WI
    $895
  • WV
    $966
  • WY
    $794

Why to Compare Car Insurance Prices in Your State

Location matters when it comes to car insurance rates. What makes one state unique or special may also help contribute to higher or lower rates, especially when it comes to weather and population. Location can affect car insurance rates in the following ways:

  • Severe Weather: In states with a greater risk of severe weather conditions like hurricanes, tornadoes and flooding, expect to pay higher insurance rates, especially for comprehensive coverage.
  • Thefts: States that are more prone to vehicle thefts could see a higher rate for car insurance, especially comprehensive coverage, compared to others with fewer auto thefts.
  • State Insurance Requirements: Meeting state insurance requirements, like higher liability limits, could cause car insurance rates to be more expensive compared to other states with lesser limit requirements.
  • Number of Claims in the Area: Certain areas in states with higher than average claims could also see car insurance rates increase for everyone, not just those who submit claims.

Finding the best rates in your state likely means comparing quotes from multiple insurers. While one company may be the cheapest on average in your state, you may find lower rates for your situation with a different company. Take a look below to see what the average quote is based on a particular city or state. It includes only companies that offer coverage in at least 30 states.

The prices provided are an estimate and do not reflect actual costs in each state and city. However, these rates can be used to get a general idea of the cheapest car insurance companies in a particular state or city.

Find Cheap Car Insurance by State

AlabamaGEICO is the cheapest in ALBirmingham

AlaskaGEICO is the cheapest in AKAnchorage

ArizonaGEICO is the cheapest in AZPhoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert

ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock

ColoradoGEICO is the cheapest in CODenver, Colorado Springs, Aurora

ConnecticutGEICO is the cheapest in CTBridgeport

DelawareState Farm is the cheapest in DEWilmington

District Of ColumbiaGEICO is the cheapest in DC

GeorgiaNationwide is the cheapest in GAAtlanta

HawaiiGEICO is the cheapest in HIHonolulu

IdahoState Farm is the cheapest in IDBoise

IllinoisGEICO is the cheapest in ILChicago

IndianaErie is the cheapest in INIndianapolis, Fort Wayne

IowaGEICO is the cheapest in IADes Moines

KansasAmerican Family is the cheapest in KSWichita
KentuckyState Farm is the cheapest in KYLouisville, Lexington

LouisianaSouthern Farm Bureau is the cheapest in LANew Orleans, Baton Rouge

MaineGEICO is the cheapest in MEPortland

MarylandErie is the cheapest in MDBaltimore

MassachusettsSafety Group is the cheapest in MABoston

MichiganGEICO is the cheapest in MIDetroit

MinnesotaFarmers is the cheapest in MNMinneapolis, St. Paul

MississippiTravelers is the cheapest in MSJackson

MissouriAllstate is the cheapest in MOKansas City, St. Louis

MontanaState Farm is the cheapest in MTBillings

NebraskaGEICO is the cheapest in NEOmaha, Lincoln

NevadaGEICO is the cheapest in NVLas Vegas, Henderson, Reno, North Las Vegas

New HampshireProgressive is the cheapest in NHManchester

New JerseyGEICO is the cheapest in NJNewark, Jersey City

New MexicoMetLife is the cheapest in NMAlbuquerque

New YorkGEICO is the cheapest in NYBuffalo, New York

North DakotaNodak Mutual is the cheapest in NDFargo
OhioGEICO is the cheapest in OHColumbus, Cleveland, Cincinnati, Toledo

OklahomaGEICO is the cheapest in OKOklahoma City, Tulsa

OregonGEICO is the cheapest in ORPortland

PennsylvaniaErie is the cheapest in PAPhiladelphia, Pittsburgh

Rhode IslandState Farm is the cheapest in RIProvidence

South CarolinaGEICO is the cheapest in SCCharleston

South DakotaState Farm is the cheapest in SDSioux Falls

TennesseeGEICO is the cheapest in TNNashville, Memphis

UtahGEICO is the cheapest in UTSalt Lake City

VermontVermont Mutual is the cheapest in VTBurlington

VirginiaProgressive is the cheapest in VAVirginia Beach, Norfolk, Chesapeake, Richmond

WashingtonPEMCO is the cheapest in WASeattle, Spokane, Tacoma

West VirginiaErie is the cheapest in WVCharleston

WisconsinGEICO is the cheapest in WIMilwaukee, Madison

WyomingState Farm is the cheapest in WYCheyenne
AlabamaGEICO is the cheapest in ALBirmingham

AlaskaGEICO is the cheapest in AKAnchorage

ArizonaGEICO is the cheapest in AZPhoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert

ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock

ColoradoGEICO is the cheapest in CODenver, Colorado Springs, Aurora

ConnecticutGEICO is the cheapest in CTBridgeport

DelawareState Farm is the cheapest in DEWilmington

District Of ColumbiaGEICO is the cheapest in DC

GeorgiaNationwide is the cheapest in GAAtlanta

HawaiiGEICO is the cheapest in HIHonolulu

IdahoState Farm is the cheapest in IDBoise

IllinoisGEICO is the cheapest in ILChicago

IndianaErie is the cheapest in INIndianapolis, Fort Wayne

IowaGEICO is the cheapest in IADes Moines

KansasAmerican Family is the cheapest in KSWichita

KentuckyState Farm is the cheapest in KYLouisville, Lexington

LouisianaSouthern Farm Bureau is the cheapest in LANew Orleans, Baton Rouge

MaineGEICO is the cheapest in MEPortland

MarylandErie is the cheapest in MDBaltimore

MassachusettsSafety Group is the cheapest in MABoston

MichiganGEICO is the cheapest in MIDetroit

MinnesotaFarmers is the cheapest in MNMinneapolis, St. Paul

MississippiTravelers is the cheapest in MSJackson

MissouriAllstate is the cheapest in MOKansas City, St. Louis
MontanaState Farm is the cheapest in MTBillings

NebraskaGEICO is the cheapest in NEOmaha, Lincoln

NevadaGEICO is the cheapest in NVLas Vegas, Henderson, Reno, North Las Vegas

New HampshireProgressive is the cheapest in NHManchester

New JerseyGEICO is the cheapest in NJNewark, Jersey City

New MexicoMetLife is the cheapest in NMAlbuquerque

New YorkGEICO is the cheapest in NYBuffalo, New York

North DakotaNodak Mutual is the cheapest in NDFargo

OhioGEICO is the cheapest in OHColumbus, Cleveland, Cincinnati, Toledo

OklahomaGEICO is the cheapest in OKOklahoma City, Tulsa

OregonGEICO is the cheapest in ORPortland

PennsylvaniaErie is the cheapest in PAPhiladelphia, Pittsburgh

Rhode IslandState Farm is the cheapest in RIProvidence

South CarolinaGEICO is the cheapest in SCCharleston

South DakotaState Farm is the cheapest in SDSioux Falls

TennesseeGEICO is the cheapest in TNNashville, Memphis

UtahGEICO is the cheapest in UTSalt Lake City

VermontVermont Mutual is the cheapest in VTBurlington

VirginiaProgressive is the cheapest in VAVirginia Beach, Norfolk, Chesapeake, Richmond

WashingtonPEMCO is the cheapest in WASeattle, Spokane, Tacoma

West VirginiaErie is the cheapest in WVCharleston

WisconsinGEICO is the cheapest in WIMilwaukee, Madison

WyomingState Farm is the cheapest in WYCheyenne
AlabamaGEICO is the cheapest in ALBirmingham

AlaskaGEICO is the cheapest in AKAnchorage

ArizonaGEICO is the cheapest in AZPhoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert

ArkansasSouthern Farm Bureau is the cheapest in ARLittle Rock

ColoradoGEICO is the cheapest in CODenver, Colorado Springs, Aurora

ConnecticutGEICO is the cheapest in CTBridgeport

DelawareState Farm is the cheapest in DEWilmington

District Of ColumbiaGEICO is the cheapest in DC

SURVEY: Do Consumers Know What Factors Affect Premiums?

MoneyGeek asked drivers to rank nine factors from most to least impactful to auto insurance premium prices. We compared the results of this survey to our own analysis of thousands of quotes to see if consumers' perceptions of factors in pricing aligned with reality.

Our survey included 1,068 licensed drivers who were the primary decision maker for auto insurance purchases in their households from September 9 to September 13, 2021. The margin of error for the study was 3%.

Overall, we found that drivers overestimated the impact of driving record (accidents, DUIs, etc.) on insurance premiums and underestimated their insurance provider’s effect on costs.

  • What Drivers Think
    Reality
  • Having an accident on your record increases your insurance prices more than any other factor.
    False. An accident on your record is the fifth largest driver of insurance rates, falling behind several other factors.
  • Your credit score doesn’t have much impact on your premium (ranked second-least impactful).
    False. Your credit score is the second most important factor in auto insurance pricing.
  • The insurance provider you use isn’t an important factor for auto insurance pricing (ranked fifth most important of nine).
    False. Insurance providers had the most significant impact on premiums of any factor we measured. MoneyGeek’s analysis found that premiums can be up to two times more expensive if you compare the highest-priced provider to the lowest-priced provider (all other factors held equal).
  • The make and model of your car don’t significantly change your auto insurance prices.
    True (mostly). This is generally true, with the exception of luxury cars — particularly luxury electric vehicles and sportscars. Insurance rates for these vehicles are significantly higher than average.
  • Age is an important factor in your auto insurance pricing.
    True. Age is a good proxy for years of experience behind the wheel, so prices are dramatically higher for younger drivers.

Consumers overestimate the impact of driving record.

In a surprise to drivers, MoneyGeek’s analysis found that a 40-year-old man with a DUI paid less in auto insurance than a 19-year-old with a clean record. When asked who would pay more, drivers in our survey indicated the 40-year-old with the DUI. Similarly, drivers ranked having an accident on your record as the most impactful factor in insurance pricing of the nine factors we measured.

Drivers don’t know how much they can save by comparison shopping.

MoneyGeek found that premiums fluctuate significantly from insurer to insurer, making it the most significant factor of the nine we assessed. We also discovered that comparison shopping could save consumers 33% on insurance costs. Consumers estimated they could only save 23% by comparison shopping.

Only 46% of respondents shopped for new coverage.

Two-thirds (66%) of Americans in our survey reported changes in their driving habits (frequency and distances driven) due to the pandemic. Only 46% of those drivers have shopped for auto insurance in the past year. While often small, drivers who have significant decreases in their mileage may be eligible for low mileage discounts or benefit from pay-per-mile insurance.

Americans don't know how credit score impacts premiums.

Our analysis showed that those with a poor credit score pay 48% more than those with a fair score, and those with a fair score pay 47% more than those with an excellent score. Your credit score is the second most important factor in insurance pricing in all states except California, Hawaii and Massachusetts. Our survey showed consumers thought credit scores were the second least impactful factor in pricing.

How to Get a Free Car Insurance Quote

There are four main steps you’ll have to take to ensure you’re comparing car insurance quotes properly: collect your personal information, decide on appropriate coverage levels, apply all discounts and compare prices.

1

Collect personal information

Most of the information required to get an online quote is fairly straightforward, but companies usually do require some specific information you may not have on hand, such as:

  • Vehicle Identification Number (VIN) and/or the make, model and year of your car.
  • A list of anti-theft or safety devices your car includes.
  • Your estimated daily commuting miles or total mileage.
  • Any driving incidents in the last five to 10 years, such as speeding tickets.
  • Your current insurance company and how long you’ve had a policy.
  • Your Social Security number.
  • The age you first got your driver's license.
  • All of the information above for any other drivers or cars you’ll be adding to the policy.
2

Decide on appropriate coverage levels and keep them consistent

How much car insurance you need may be different from how much you should have. But once you determine how much coverage you’re going to buy, make sure to use the same coverages when comparing all companies. This will ensure you’re comparing “apples to apples” and that the rates reflect a fair estimate of what a company is offering you.

3

Apply all relevant discounts

When filling out an online quote form, make sure all available discounts are applied to your quote. Different companies offer different discounts, and it can have a large impact on the final price. With some insurers, you may even have to contact an agent to make sure all applicable discounts are incorporated into your quote.

Regardless of discounts, you should focus on the bottom line. An insurance company may offer large discounts, but if its rates are similar to competitors even after discounts are applied, it won’t make much practical difference to you than if you bought a policy with cheap rates and limited discounts.

4

Compare prices across companies

Once you’ve taken all these steps, you can be sure you’re making a fair car insurance quote comparison. We recommend comparing at least three car insurance companies, but the more insurers you compare, the better. If you’re looking for more than just savings, you should also compare insurers’ customer service experience to ensure your company will be effective and fair when you make a claim. To get a quick quote, enter your ZIP code below to compare quotes from car insurance providers in your area.

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FAQs About Comparing Car Insurance Quotes

With so many car insurance companies vying for your business, it’s crucial to compare quotes early and often to ensure you’re getting the most for your money. Get answers to some of the most commonly asked questions about comparing quotes.

Expert Advice on Comparing Car Insurance Quotes & Rates

  1. How often should drivers get new car insurance quotes?
  2. What major factors should drivers consider when comparing car insurance quotes?
  3. Why do car insurance quotes vary by location, even when all other factors are the same?
Elaine Luther
Elaine Luther

Business Management Professor at Point Park University

Thomas Francl
Thomas Francl

Associate Faculty Professor at National University

Kaycea Campbell
Kaycea Campbell

Associate Professor of Economics at Chapman University

Dr. Rickard Briggs
Dr. Rickard Briggs

Professor of Business at Northcentral University

Alex Horenstein
Alex Horenstein

Assistant Professor of Economics at the University of Miami Herbert Business School

Dr. Michael Kraten
Dr. Michael Kraten

Professor of Accounting at Houston Baptist University

Jeff Prince
Jeff Prince

Professor of Business Economics at Indiana University

Dr. Robert W. Tiller
Dr. Robert W. Tiller

Director of the University of South Florida's Financial Planning & Wealth Management Program

Daniel Roccato
Daniel Roccato

Clinical Professor of Finance at the University of San Diego School of Business

Reilly White
Reilly White

Associate Professor of Finance at the University of New Mexico

Angelo DeCandia
Angelo DeCandia

Professor of Business at Touro College

Carrie L. Johnson
Carrie L. Johnson

Associate Professor and Extension Specialist at North Dakota State University

Dr. Mikhail Kouliavtsev
Dr. Mikhail Kouliavtsev

Department Chair and Professor of Economics and Finance at Stephen F. Austin State University

Dr. James Philpot
Dr. James Philpot

Associate Professor and Director of the Financial Planning Program at Missouri State University

Irene Leech
Irene Leech

Associate Professor of Consumer Studies at Virginia Tech

Steven Gattuso
Steven Gattuso

Assistant Professor of Economics & Finance at Canisius College

Sarah Mittal
Sarah Mittal

Assistant Professor of Marketing at St. Edward’s University

Jonathan Handy
Jonathan Handy

Assistant Professor of Finance at Western Kentucky University

Amit Sinha
Amit Sinha

Professor of Finance and Quantitative Methods at Bradley University

John Duffy
John Duffy

Professor of Economics at the University of California, Irvine

Juan E. Gallardo
Juan E. Gallardo

Instructor of Finance and Management at West Texas A&M University

Jason Geesey
Jason Geesey

Associate Professor of Marketing at Wayland Baptist University

James Farrell
James Farrell

Associate Professor of Finance and Economics at Florida Southern College

Scott Wysong
Scott Wysong

Associate Professor & MBA Program Director in the Satish & Yasmin Gupta College of Business at the University of Dallas

Gary Sullivan
Gary Sullivan

Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst University

Christopher J. Marquette
Christopher J. Marquette

Assistant Professor of Finance at Millikin University

Paul A. Stock
Paul A. Stock

Economics Professor at the University of Mary Hardin-Baylor

Dr. Crystal Karn
Dr. Crystal Karn

Associate Professor of Business at Indiana Tech

Kunter Gunasti
Kunter Gunasti

Assistant Professor of Marketing at Washington State University

John Longo
John Longo

Professor of Finance at Rutgers Business School; Author of Buffett's Tips: A Guide to Financial Literacy and Life

Ramon DeGennaro
Ramon DeGennaro

HCB Professor of Banking and Finance at The University of Tennessee, Knoxville

Prachi Gala
Prachi Gala

Assistant Professor of Marketing at Elon University

Edward Horwitz
Edward Horwitz

Executive Director, Mutual of Omaha Chair in Risk Management, Associate Professor of Practice at Creighton University

Chris Tamm
Chris Tamm

Associate Professor of Finance, Director - Institute for Financial Planning & Analysis at Illinois State University

Demissew Ejara
Demissew Ejara

Associate Professor of Finance at The University of New Haven

W.H. (Joe) Knight
W.H. (Joe) Knight

Distinguished Academic in Residence & Professor at Seattle University

Salil K. Sarkar, PhD, CFA
Salil K. Sarkar, PhD, CFA

Professor of Finance, Coordinator, Doctoral Finance Program at The University of Texas at Arlington

 Ernest Jay Horn
Ernest Jay Horn

Lecturer — School of Family & Consumer Sciences at Texas State University

Kyoung Tae (KT) Kim
Kyoung Tae (KT) Kim

Associate Professor and ​Graduate Program Coordinator at The University of Alabama

Dr. Brenda Wells
Dr. Brenda Wells

Robert F. Bird Distinguished Professor of Risk and Insurance at East Carolina University; Director, Risk Management and Insurance Program

Beibei Dong
Beibei Dong

Associate Professor of Marketing at Lehigh University

Armen Hadjinian
Armen Hadjinian

Entrepreneurship Program Director at Milwaukee Area Technical College

Jing Ai
Jing Ai

Professor of Finance, Risk Management and Insurance at the University of Hawaiʻi

Stephen Ciccone
Stephen Ciccone

Chair of the Department of Accounting & Finance, Associate Professor of Finance at the University of New Hampshire

George W. Stone
George W. Stone

Professor of Marketing at North Carolina Agricultural and Technical State University

Dr. Nathan Hardy
Dr. Nathan Hardy

Assistant Professor of Marketing at Neumann University

Frank Paiano
Frank Paiano

Professor Emeritus at Southwestern Community College, Registered Representative

Kenneth Romanowski, CFP®, CTFA
Kenneth Romanowski, CFP®, CTFA

Adjunct Faculty, Rosemont College and Semi-Retired Senior Financial Advisor

Dr. Christopher Stevens
Dr. Christopher Stevens

Associate Professor of Entrepreneurship at Gonzaga University

Dr. Christopher M. Scalzo
Dr. Christopher M. Scalzo

Associate Professor at Suny Morrisville

Mike Morgan
Mike Morgan

Professor of Practice, Department of Finance, University of Southern Mississippi

Alexandria Baldridge, MBA
Alexandria Baldridge, MBA

Assistant Professor of Marketing at Cornerstone University

Kathleen Richard
Kathleen Richard

Assistant Professor and Undergraduate Chairperson, Madonna University School of Business

Julio Sevilla
Julio Sevilla

Associate Professor, Terry College of Business at the University of Georgia

Wade Lindenberger
Wade Lindenberger

Continuing Lecturer at The Rady School of Management, UC San Diego

Dr. Randal Ice
Dr. Randal Ice

Barnabas Professor of Finance at the University of Central Oklahoma

Dr. Ivan Asensio
Dr. Ivan Asensio

Assistant Professor at the University of San Francisco School of Management

Dr. Kamala Raghavan
Dr. Kamala Raghavan

Department Chair, Jesse H. Jones School of Business at Texas Southern University

Haibo (Stephen) Yao
Haibo (Stephen) Yao

Assistant Professor of Insurance & Risk Management at the University of Central Arkansas

Krisztina Büti, Ph.D.
Krisztina Büti, Ph.D.

Assistant Adjunct Professor of Finance and Accounting at the University of California-San Diego

Dr. Alexander R. Regina
Dr. Alexander R. Regina

Assistant Professor of Marketing and Program Director at Mercyhurst University

Brian Walkup, Ph.D.
Brian Walkup, Ph.D.

Associate Professor of Finance, Crummer Graduate School of Business at Rollins College

Dr. Floyd Ormsbee
Dr. Floyd Ormsbee

Asst. Prof. of Consumer & Organizational Studies, Assoc. Dean of Undergraduate Programs & Operations, David D. Reh School of Business, Clarkson University

Dr. Shyam Sunder
Dr. Shyam Sunder

Professor of Accounting, Economics, and Finance at the Yale School of Management

Omid Kamran Disfani
Omid Kamran Disfani

Assistant Professor of Marketing at Southern Illinois University

Alex Pomelnikov, PhD
Alex Pomelnikov, PhD

Visiting Lecturer, College of Business at Texas Woman's University

Bridgette Long
Bridgette Long

Financial Coach, Insurance Agent, & Managing Broker for Quality Professional Management, Inc

 Ramiro J. Atristain-Carrion
Ramiro J. Atristain-Carrion

Executive In Residence and Adjunct Professor of Finance at Dominican University

Adele L. Harrison, PhD
Adele L. Harrison, PhD

Professor of Finance, Jabs School of Business at California Baptist University

Kelly Manley, Ph.D.
Kelly Manley, Ph.D.

Associate Professor of Economics at the University of North Georgia

Kashif A. Ahmed
Kashif A. Ahmed

Financial Planner, Professor of Finance at Suffolk University

Dr. Andrew Burnstine
Dr. Andrew Burnstine

Associate Professor of Marketing at Lynn University

Raghava Gundala
Raghava Gundala

Associate Professor of Marketing at the University of Wisconsin-Parkside

Dr. Brock Zehr
Dr. Brock Zehr

Associate Professor Business & Economics at Huntington University

Laura Gonzalez
Laura Gonzalez

Associate Professor of Finance at California State University, Long Beach

Steve Beach
Steve Beach

Dean, Professor of Finance at the University of Texas Permian Basin

Emily Carlson Goenner
Emily Carlson Goenner

Assistant Professor, Herberger Business School at St. Cloud State University

Dr. Kevin E. McEvoy
Dr. Kevin E. McEvoy

Assistant Professor in Residence at the University of Connecticut

Dr. Matt Lutey
Dr. Matt Lutey

Assistant Professor of Finance at Indiana University Northwest

Dr. Mohan Menon
Dr. Mohan Menon

Professor of Marketing at the University of North Georgia

Dr. Sunil Hazari
Dr. Sunil Hazari

Professor of Marketing at the University of West Georgia

Dr. Jonathan Ernest
Dr. Jonathan Ernest

Assistant Professor of Economics at Case Western Reserve University

Sara MacSween
Sara MacSween

The Marketing Boutique President, Lecturer at UNC Greensboro

Judith Fox
Judith Fox

Clinical Professor of Law at the University of Notre Dame

Dr. Cara Peters
Dr. Cara Peters

Professor of Marketing at Winthrop University

Denish Shah
Denish Shah

Barbara & Elmer Sunday Associate Professor of Marketing, Director of Social Media Intelligence Lab, Co-Director of Marketing RoundTable

Dr. Anisha Nyatee
Dr. Anisha Nyatee

Assistant Professor, School of Business at Endicott College

Joe Roberts, Ph.D.
Joe Roberts, Ph.D.

Director, Center for Innovation and Professional Development at Webster University

Michael Pagano, PhD
Michael Pagano, PhD

Professor and Chair of Finance, Villanova School of Business at Villanova University

Rob Hoyt
Rob Hoyt

Professor of Risk Management and Insurance at the University of Georgia

Dr. Vandana Rao
Dr. Vandana Rao

Professor of Business Management at Marymount Manhattan College

Amanda H. Christensen, AFC
Amanda H. Christensen, AFC

Accredited Financial Counselor, Utah State University Extension Associate Professor

Dr. Andrew Bryant
Dr. Andrew Bryant

Associate Professor of Marketing at Drake University

John Grant, JD
John Grant, JD

Professor, Justice Studies, Berkeley College School of Professional Studies

Kevin Croft
Kevin Croft

EMC Associate Professor of Practice at Drake University

Cathy McCrary
Cathy McCrary

Assistant Professor of Accounting at Georgia Gwinnett College

Anne Bednarz
Anne Bednarz

Senior Financial Advisor at Evensky & Katz / Foldes Financial Wealth Management

Methodology


MoneyGeek’s car insurance rates are estimated premiums for 100/300/100 comprehensive collision coverage with a $1,000 deductible. Unless otherwise stated, rates are based on a 40-year-old male driver with a Toyota Camry LE who has no record of tickets or accidents. Learn more about MoneyGeek’s methodology.

Read More on Auto Insurance

About the Author


expert-profile

Mandy Sleight is a writer for MoneyGeek and has been an insurance agent since 2005. As a freelance writer, she uses her vast knowledge of the insurance industry to create informative, engaging and easy-to-understand content for consumers. Her work has been featured in Market Watch, Kiplinger and other major publications.