MoneyGeek analyzed millions of car insurance quotes to help you compare the cheapest and best auto insurance companies across all coverage levels. No single car insurance company offers the lowest rates for every driver, but some insurers consistently cost less than others. Use our auto insurance comparison tools below to compare car insurance quotes and find your best rates.
Compare Car Insurance Quotes and Rates by Company
Updated: August 23, 2025
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Compare Car Insurance by Affordability & Ratings
The cheapest insurance policy might not always be the best fit for you. The top car insurance companies balance affordability and service, and if you're a homeowner, you may consider bundling multiple insurance policies together.
Compare car insurance companies side-by-side using our rate analysis below. This car insurance comparison calculator shows actual rates from top insurers in your state to help you identify auto insurance options efficiently.
Compare Car Insurance Quote Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$192
High
$139
Average
$87
Low
Rates updated:
Aug 23, 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 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Compare Car Insurance Quotes by State
Your location plays a major role in what you'll pay for car insurance. Insurance rates vary significantly from state to state because of different laws, required coverage levels, and local risk factors like accident rates, theft, and weather patterns. Some states require drivers to carry more extensive coverage, which drives up costs, while others have more basic requirements that can keep premiums lower.
| Alabama | $84 | $1,002 |
| Alaska | $94 | $1,122 |
| Arizona | $129 | $1,553 |
| Arkansas | $111 | $1,333 |
| California | $134 | $1,608 |
| Colorado | $124 | $1,487 |
| Connecticut | $163 | $1,961 |
| Delaware | $180 | $2,163 |
| District of Columbia | $140 | $1,685 |
| Florida | $184 | $2,211 |
| Georgia | $124 | $1,484 |
| Hawaii | $74 | $890 |
| Idaho | $72 | $861 |
| Illinois | $98 | $1,174 |
| Indiana | $73 | $877 |
| Iowa | $90 | $1,077 |
| Kansas | $116 | $1,389 |
| Kentucky | $108 | $1,297 |
| Louisiana | $194 | $2,333 |
| Maine | $80 | $961 |
| Maryland | $131 | $1,577 |
| Massachusetts | $99 | $1,193 |
| Michigan | $159 | $1,905 |
| Minnesota | $108 | $1,295 |
| Mississippi | $98 | $1,172 |
| Missouri | $124 | $1,491 |
| Montana | $99 | $1,183 |
| Nebraska | $104 | $1,244 |
| Nevada | $165 | $1,985 |
| New Hampshire | $65 | $781 |
| New Jersey | $162 | $1,943 |
| New Mexico | $101 | $1,217 |
| New York | $218 | $2,620 |
| North Carolina | $98 | $1,178 |
| North Dakota | $81 | $969 |
| Ohio | $69 | $828 |
| Oklahoma | $98 | $1,175 |
| Oregon | $116 | $1,386 |
| Pennsylvania | $113 | $1,350 |
| Rhode Island | $120 | $1,443 |
| South Carolina | $158 | $1,899 |
| South Dakota | $103 | $1,236 |
| Tennessee | $95 | $1,137 |
| Texas | $142 | $1,702 |
| Utah | $103 | $1,233 |
| Vermont | $69 | $832 |
| Virginia | $97 | $1,159 |
| Washington | $116 | $1,387 |
| West Virginia | $115 | $1,375 |
| Wisconsin | $91 | $1,094 |
| Wyoming | $76 | $908 |
Compare Best Car Insurance by State
Insurance rates and the best providers vary by state. What works in Texas may not be your best option in California due to different state laws, coverage requirements and local market conditions.
Use our state-specific guides to find the top-rated insurance companies in your area, with real rates and recommendations tailored to your state's requirements.
Compare Car Insurance Quotes by City
Even within cities and their zip codes, car insurance rates vary heavily between them, making recommendations for the cheapest companies also vary widely. So below, you can use our guides as resources for your search within your area.
Compare Car Insurance by Car Make and Model
Your car model affects your insurance rates, so you should compare rates for your specific vehicle type.
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 vehicle's needs. 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.
When you compare car insurance options for your specific make and model, you can find the right coverage and save hundreds of dollars each year. Click below to compare car insurance costs for different makes and models.
Compare Car Insurance Company Rankings
There are many factors to consider when shopping for car insurance. Finding a company with affordable rates is a great starting point. Still, other factors like customer satisfaction and the ability to pay claims are essential when using your coverage. See MoneyGeek's review of each car insurance company so you can choose what's right for you.
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: If you have been involved in an accident, insurance companies may classify you as a higher risk, which can lead to increased premiums. If this applies to you, view our rankings on the best cheap car insurance after an accident.
- High Risk Drivers: Drivers with multiple infractions or serious violations may be categorized as high-risk. This can result in limited options from insurance providers and higher costs. If you fall into this category, check out our page on the cheapest car insurance for high-risk drivers in 2025.
- DUI Conviction: A DUI can lead to a substantial increase in your insurance rates. Additionally, some states require an SR-22 form to demonstrate that you have the necessary insurance coverage. If you’ve been convicted of a DUI, make sure to view our rankings on the cheapest car insurance after a DUI in 2025 and cheapest SR-22 insurance.
State Laws and Minimum Coverage Requirements:
Your location influences 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. Generally, states with higher insurance requirements tend to have higher premiums. Read more on this topic on our page about state minimum car insurance requirements.
Driver Age and Gender:
Insurance companies evaluate risk based on factors such as age and gender. Young drivers, particularly teenagers, generally face higher premiums because they lack driving experience. Likewise, male drivers, especially in younger age groups, often pay more than female drivers due to higher statistical accident risks associated with their demographic. See how rates vary in our analysis of average car insurance rates by age and gender.
Driving History:
Your driving record plays a consequential role in determining your insurance rates.Â
Credit Score:
Many insurers utilize credit-based insurance scores to evaluate risk. A higher credit score can lead to lower premiums, while poor credit may result in higher rates. If you have poor credit, you might find our rankings on the cheapest car Insurance for drivers with bad credit helpful.
Income-Level:
Your income-level does not directly affect insurance rates; however, some states provide programs to assist eligible drivers in affording coverage. Moreover, lower-income drivers may find it challenging to manage high premiums, making it necessary to explore discounts and state-sponsored programs for more affordable options. We crunched the numbers in our guide to cheapest car insurance for low-income drivers.
Non-Vehicle Owner:
If you don’t own a vehicle but still need liability coverage, non-owner car insurance can be a cost-effective option. This type of policy is appropriate for those who frequently rent cars or need coverage to keep their driver's license active. Have a look at our rankings of the best cheap non-owner car insurance in 2025.
How To Compare Car Insurance Effectively
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
Most information for comparing car insurance quotes is straightforward, but companies often 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, ensure 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 rates and finding the right coverage for your needs.
How do I compare car insurance companies effectively?
Compare car insurance companies by gathering quotes with identical coverage levels from at least three to five insurers. Compare customer satisfaction ratings from J.D. Power and evaluate each company's claims handling process. Focus on total value, not just price.
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.
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.
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.