Compare car insurance quotes to find rates up to 40% lower than your current premium. When you compare car insurance rates between companies, identical coverage can cost $200/month with one insurer and $120/month with another. Compare our car insurance company rankings to find which offers your lowest rate and quality service.
Compare Car Insurance Quotes and Rates by Company
Updated: August 27, 2025
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Compare car insurance quotes side-by-side using our calculator below. Enter your details once and compare rates vary between companies in your area.
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$192
High
$139
Average
$87
Low
Rates updated:
Aug 27, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
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This comparison car insurance tool shows real rate estimates from major insurers in your state, helping you identify your best options before you request official quotes.
Compare Car Insurance Quotes by State
Compare car insurance rates by state to see how your location affects pricing. Delaware drivers pay $179 monthly on average, while Alabama drivers pay just $104 for identical full coverage. When you compare car insurance quotes across states, you'll see how state laws and risk factors impact your cost.
Data filtered by:Results filtered by:
Select
Coverage Type:Full Coverage
| Alabama | $104 | $1,245 |
| Alaska | $106 | $1,278 |
| Arizona | $136 | $1,628 |
| Arkansas | $114 | $1,373 |
| California | $155 | $1,861 |
| Colorado | $146 | $1,754 |
| Connecticut | $145 | $1,745 |
| Delaware | $179 | $2,149 |
| District of Columbia | $164 | $1,963 |
| Florida | $243 | $2,912 |
| Georgia | $135 | $1,620 |
| Hawaii | $82 | $983 |
| Idaho | $79 | $952 |
| Illinois | $99 | $1,189 |
| Indiana | $84 | $1,009 |
| Iowa | $97 | $1,162 |
| Kansas | $116 | $1,389 |
| Kentucky | $132 | $1,580 |
| Louisiana | $236 | $2,827 |
| Maine | $76 | $908 |
| Maryland | $150 | $1,802 |
| Massachusetts | $99 | $1,193 |
| Michigan | $138 | $1,652 |
| Minnesota | $109 | $1,310 |
| Mississippi | $123 | $1,472 |
| Missouri | $124 | $1,486 |
| Montana | $112 | $1,346 |
| Nebraska | $110 | $1,320 |
| Nevada | $152 | $1,826 |
| New Hampshire | $82 | $984 |
| New Jersey | $180 | $2,160 |
| New Mexico | $116 | $1,388 |
| New York | $120 | $1,435 |
| North Carolina | $105 | $1,264 |
| North Dakota | $90 | $1,078 |
| Ohio | $83 | $990 |
| Oklahoma | $133 | $1,599 |
| Oregon | $115 | $1,376 |
| Pennsylvania | $117 | $1,407 |
| Rhode Island | $126 | $1,518 |
| South Carolina | $130 | $1,559 |
| South Dakota | $106 | $1,269 |
| Tennessee | $103 | $1,233 |
| Texas | $150 | $1,799 |
| Utah | $127 | $1,524 |
| Vermont | $75 | $902 |
| Virginia | $97 | $1,162 |
| Washington | $109 | $1,305 |
| West Virginia | $111 | $1,326 |
| Wisconsin | $87 | $1,038 |
| Wyoming | $82 | $984 |
Compare Best Car Insurance by State
Car Insurance rates and the best providers vary by state. Below, you can compare car insurance companies in your specific state to find top-rated providers with competitive rates. GEICO may offer the lowest rates in Florida but rank fourth in Texas, while State Farm leads in customer satisfaction in the Midwest but costs more on the West Coast.
Get state-specific comparisons: Our guides show which companies offer the best combination of rates, coverage options, and customer service in your area, based on actual quote data and customer satisfaction scores.
Compare Car Insurance Quotes by City
Compare car insurance rates within your metro area to find the lowest local prices. Even neighboring ZIP codes can have significant rate differences due to crime rates, accident frequency, and population density. When you compare car insurance quotes by city, you'll see which companies offer the best rates in your specific neighborhood.
City-level factors that affect your quotes:
- Crime and theft rates in your ZIP code
- Local accident and claims frequency
- Population density and traffic patterns
Compare Car Insurance by Car Make and Model
Compare car insurance quotes for your specific vehicle to find the lowest rates. Your car model affects your insurance rates. A Honda Civic and BMW 3 Series receive vastly different rates from the same insurer due to repair costs, theft rates, and safety ratings.
How to compare car insurance by make and model:
- Get quotes for your specific vehicle: Compare car insurance companies to see how they rate your car. Insurers look at your car's safety ratings, theft rates, repair costs and safety features.
- Expect higher rates for certain vehicles: When you compare car insurance rates, newer cars, sports cars , electric vehicles, and cars that are expensive to fix cost more to insure.
- Match coverage to your car's value: New car buyers benefit from features like new car replacement coverage or gap coverage, which is required if you finance or lease a vehicle. Older vehicle owners buy roadside assistance and consider liability-only policies.
Compare Car Insurance Company Rankings
Compare car insurance companies beyond just price to find the best overall value. A company with low rates but poor claims handling might deny valid claims or take months to process payments when you need them most. When you compare car insurance providers, evaluate their financial strength, claims handling, and customer satisfaction scores.
Compare Individual Insurance Company Reviews
See detailed analysis of rates, coverage, claims handling, and customer satisfaction for each major insurer:
Compare Factors That Impact Auto Insurance Costs
Car insurance rates are not the same for all drivers, they vary based on multiple factors including age, driving history, location, credit score, state regulations, and your car model. By understanding these factors, you can find ways to compare car insurance companies and lower your costs.
- Accident History: At-fault accidents increase your premiums with insurers unless you have accident forgiveness. Compare car insurance rates after an accident using our guide to the best cheap car insurance after an accident.
- High Risk Drivers: Multiple violations or serious infractions limit your insurance options and increase costs. See companies that specialize in high-risk coverage in our guide to the cheapest car insurance for high-risk drivers in 2025.
- DUI Conviction: A DUI increases your rates and may require SR-22 filing in your state. Compare options using our guides to the the cheapest car insurance after a DUI in 2025 and cheapest SR-22 insurance.
State Laws and Minimum Coverage Requirements:
Your location impacts your car insurance rates. Each state has its own minimum coverage requirements; some may even require additional coverage, such as personal injury protection (PIP) or uninsured motorist coverage. Use our guide to determine how much car insurance you need. States with higher insurance coverage requirements have higher premiums. Read more on this topic on our page about state minimum car insurance requirements.
Driver Age and Gender:
Your age and gender affect car insurance rates. Teenage drivers pay the highest premiums due to inexperience and higher accident rates. Male drivers under 25 typically pay more than female drivers in the same age group, but rates become more similar after age 25.. See how rates vary in our analysis of average car insurance rates by age and gender.
Driving History:
Your driving record directly impacts your insurance rates. Compare car insurance companies to see how each evaluates your specific driving history, as some insurers are more forgiving than others.
Credit Score:
Your credit score affects car insurance rates in 46 states (California, Hawaii, Massachusetts, and Michigan prohibit credit-based pricing). When you compare car insurance companies, look for insurers that weigh credit less heavily if you have poor credit. Compare options using our guide to the cheapest car Insurance for drivers with bad credit.
Income-Level:
Your income doesn't directly affect insurance rates, but some states offer programs to help eligible drivers afford coverage. Lower-income drivers often struggle with high premiums and should explore available discounts and state-sponsored programs when comparing car insurance companies. Compare options using our guide to the cheapest car insurance for low-income drivers.
Non-Vehicle Owner:
Non-owner car insurance provides liability coverage if you don't own a vehicle but need insurance to maintain your license or rent cars frequently. When you compare car insurance companies for non-owner policies, rates vary significantly between insurers for identical coverage. Compare options using our guide to the best cheap non-owner car insurance in 2025.
How To Compare Car Insurance Side-by-Side
Comparing car insurance requires more than just price shopping. Follow these four steps to compare car insurance companies and find the best coverage: gather your information, use consistent coverage levels, apply discounts, and evaluate total value.
- 1
Collect your vehicle and personal information
The information needed to compare car insurance quotes is straightforward, but companies will require specific details:
- Vehicle Identification Number (VIN), make, model, and year
- Anti-theft or safety devices installed in your vehicle
- Estimated daily commuting or total annual mileage
- Driving incidents from the past five to ten years (speeding tickets, accidents)
- Current insurance company name and policy duration
- Social Security number
- Age when you first got your license or years of driving experience
- Information for any other drivers or vehicles on the policy
- 2
Decide on appropriate coverage levels and keep them consistent
When you compare car insurance companies, use identical coverage limits and deductibles across all insurers. Comparing a $500 deductible from State Farm against a $1,000 deductible from GEICO won't give accurate cost comparisons. This ensures fair rate estimates from each company.
- 3
Apply all relevant discount information
When comparing car insurance providers, make sure all applicable discounts are applied to each quote to get lower premiums. Different insurers offer varying discounts that impact final pricing. Contact agents if needed to confirm all discounts are reflected.
Focus on the bottom line when you compare car insurance rates. A company offering discounts but similar overall rates provides little advantage over cheaper base rates with fewer deals.
- 4
Compare companies across multiple sources
We recommend comparing at least three car insurance companies. More insurers increase your chances of finding the best deal. Beyond price, evaluate customer service, claims processing speed, and flexible payment plans and low down payment options. The cheapest car insurance isn't always the best value if claim payments are delayed.
Choose companies that handle claims effectively and fairly. See our guide to switching car insurance companies.
Compare Car Insurance FAQs
Here are answers to common questions about comparing car insurance quotes to find the right coverage for your needs.
Should I compare car insurance quotes annually?
Yes, compare car insurance rates annually or after major life changes like moving, getting married or adding vehicles. Insurance rates change frequently, and annual comparisons help you avoid overpaying for coverage.
What's the best way to compare car insurance rates?
Use consistent coverage amounts across all quotes, apply the same discounts and compare both online rates and agent quotes. Compare at least three companies for competitive pricing.
What information do I need to compare car insurance quotes accurately?
You'll need your driver's license, vehicle identification number (VIN), current policy details, driving history, and information about other drivers in your household. Consistent information gives you accurate quote comparisons between companies.
Where can I compare car insurance quotes?
You can compare multiple car insurance quotes on MoneyGeek.com. Â You can also gather quotes one-by-one at major insurers like State Farm and GEICO.
How many car insurance companies should I compare?
Compare three to five car insurance companies to find competitive rates. Getting more quotes increases your chances of finding lower premiums, but there are diminishing returns after five companies.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.