Compare Car Insurance Quotes & Rates (2024)

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ByMandy Sleight
Reviewed byMark Friedlander
Contributions by6+ experts
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ByMandy Sleight
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Reviewed byMark Friedlander
Contributions by6+ experts
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Updated: May 20, 2024

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Car Insurance Comparison Tool

Compare your personalized insurance options side by side, in 3 simple steps


Note: The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.

Car insurance companies generally use the same variables — driver age, location, credit history, vehicle and driving history to calculate rates, yet they all determine quotes differently. Certain characteristics about you could make one option much more affordable than another. Learning to compare car insurance quotes and switching car insurance companies could save you hundreds of dollars per year.

Table of Contents
    find icon

    Compare Quotes Instantly

    Don't want to wade through data? Enter your information into our calculator and get instant quotes to compare providers in your area.

    insurance2 icon

    Compare by Coverage and Provider

    Some policies can be roughly 48% more expensive than others for the same driver profile.

    graduationCap icon

    Compare by Age

    The difference between the most expensive and cheapest quote for a young driver is over $4,000 per year.

    carInsurance icon

    Compare by Vehicle Model

    For certain car models, we found a difference of $3,600 per year between individual companies.

    badCredit icon

    Compare by Credit Score

    Drivers with poor credit who shop around could save up to $2,700 per year.

    accident2 icon

    Compare by Driving Record

    A driver with an at-fault accident on their motor vehicle record could save over $1,700 per year with the cheapest insurer by getting a quote.

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    Compare by State

    Comparing by your state of residence can be much more accurate in finding the most affordable rate for you.

Using our data, we’ve highlighted how much rates can change between insurance providers based on the most common factors that insurers use to determine rates.

Why Trust MoneyGeek? MoneyGeek conducted a study and gathered data from Quadrant Information Services and state insurance departments using various profiles and geographic locations to showcase how critical it is to compare car insurance rates when shopping for a policy — as rates for the same individual profile can differ greatly across insurance companies.

83,056Quotes Analyzed
46Companies Compared
473Zip Codes

How to Compare Car Insurance Quotes

There are four 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.

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 and at-fault accidents.
  • 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 or how long you have been a licensed driver.
  • All of the information above for any other drivers or cars you’ll be adding to the policy.
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.

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 of a practical difference to you than if you bought a policy with cheap rates and limited discounts.

Compare car insurance quotes 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 an instant quote, enter your ZIP code below to compare quotes from car insurance providers in your area.

MoneyGeek has tools for you to compare car insurance 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.

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Car Insurance Calculator

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Rates updated:

Jun 13, 2024

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Compare Car Insurance Quotes By Coverage

The amount of coverage you need will impact how much you will pay for your monthly premium and what provider you should choose. A full coverage policy includes comprehensive and collision insurance and offers the best protection in the event of an accident or damages to your vehicle. Minimum coverage will be determined by your state, but generally offers the most affordable yet lowest coverage amounts.

We used our average sample driver profile (as defined in our methodology) and analyzed quotes from 473 ZIP codes across all 50 states to discover the average rates for both full and minimum coverage policies provided by the most widely available insurers. Use the table below to get a general idea of what national average rates are among the most common insurance companies.

Compare Companies and Quotes By Coverage - National Averages
GEICOFull Coverage$1,032Minimum Coverage$622
State FarmFull Coverage$1,217Minimum Coverage$789
FarmersFull Coverage$1,493Minimum Coverage$938
USAAFull Coverage$879Minimum Coverage$489
ProgressiveFull Coverage$1,367Minimum Coverage$890
TravelersFull Coverage$1,489Minimum Coverage$931
NationwideFull Coverage$1,251Minimum Coverage$734
AllstateFull Coverage$1,328Minimum Coverage$855

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 or fatal 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 driver would pay $4,868 per year for 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
18 Year-Old

























State Farm












According to data compiled by the National Safety Council(NCS):

  • Drivers aged 16 to 19 account for only 3.5% of all licensed drivers, yet have the highest rate of crashes — 22,103 crashes per 100,000 drivers.
  • Drivers aged 35 to 44 account for a much larger pool of licensed drivers, 16.5%, but only have a rate of 9,062 crashes per 100,000 drivers.
  • Drivers aged 65 to 74 account for 13.7% of all licensed drivers, with a rate of 4,383 crashes per 100,000 drivers.

The NCS stated that overall, as driver age increases, the crash rate decreases, but noted that the fatal crash rate begins to tick upward for drivers 75 and 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.

Compare Car Insurance Quotes By 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 costs $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

Compare Car Insurance Quotes By 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. To finalize your quote, insurers will often ask for your driver's license number, making it hard to get car insurance without a license.

MoneyGeek found that:

  • A speeding ticket increases car insurance rates by an average of 29%.
  • An at-fault 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 at-fault accident occurs or a speeding 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 the cost of a policy with or without a ticket from each of the car insurance companies below.

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

























State Farm












Drivers With Accidents

The same data was used to see how an at-fault accident would affect the rate of a car insurance policy. Auto accidents usually have more of a negative effect on car insurance rates than a ticket, and an at-fault accident surcharge may be applied to your insurance premium for a minimum of three years. The data supports this as it shows the average car insurance rate increase due to an at-fault 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' premiums for a driving record with or without an at-fault accident.

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

























State Farm













Compare Car Insurance Quotes By Credit Score

Most car insurance companies use the applicant's credit history or credit-based insurance 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 $1,337 per year for car insurance.
  • The same driver with fair credit would pay an overall average of $1,597 — 16% more per year.
  • An identical driver with poor credit will pay an overall average of $2,466 — 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
Poor Credit
Fair Credit
Good Credit

























State Farm












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

Most states allow insurers to use credit data as a determining factor when preparing car insurance quotes. California, Hawaii, Massachusetts and Michigan are the only states that do not use credit history 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
Avg. Yearly Rate
Avg. Monthly Rate

























District of Columbia





















Why Should You Compare Car Insurance Prices By State?

Location matters when it comes to car insurance rates. What makes one state unique may also help contribute to higher or lower rates, especially when it comes to weather, traffic congestion 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, and those with winter weather conditions, such as ice and snow, 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.
  • Accident Frequency and Severity: A state that experiences more accidents or has more severe accidents may cost more to insure a car than one with a lower accident frequency.
  • Volume of Litigated Claims: The more litigated claims a state experiences may cause the cost of car insurance to be higher.
  • Volume of Claim Fraud: If insurers deal with more claim fraud in one state than another, the companies may charge more in the state with the higher volume.
  • Cost of Medical Care: States with a higher cost of medical care may have higher car insurance rates.

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.


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 (at-fault accidents, DUIs, etc.) on insurance premiums and underestimated their insurance provider’s effect on costs.

What Drivers Think

Having an at-fault accident on your record increases your insurance prices more than any other factor.

False. An at-fault 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 history 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 sports cars. 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 for 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 at-fault 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 up to 48% 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 history is the second most important factor in insurance pricing in all states except California, Hawaii, Massachusetts and Michigan, where insurers are prohibited from using credit information as a rating factor. Our survey showed consumers thought credit scores were the second least impactful factor in pricing.


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.

How do I compare car insurance quotes?
Why should I compare car insurance quotes?
Does comparing auto insurance quotes impact your credit?
Where can I compare auto insurance quotes?
Which company was the cheapest in our study?

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?
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About Mandy Sleight

Mandy Sleight headshot

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.