MoneyGeek analyzed millions of car insurance quotes to allow you to compare the cheapest and best car insurance companies across all coverage levels. No car insurance company is the cheapest for every driver, but some companies are more affordable than others. Compare car insurance quotes and companies below.
Compare Car Insurance Quotes and Rates by Company
Updated: August 22, 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 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 22, 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 |
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 Can 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.
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
To effectively compare car insurance quotes, follow these four steps: gather your personal information, determine the appropriate coverage levels, apply all available discounts, and then compare prices.
- 1
Collect your vehicle and personal information
Most information needed for an online quote is straightforward, but companies often require specific details you may not have available, including:
- The Vehicle Identification Number (VIN) as well as the make, model, and year of your car.
- A list of any anti-theft or safety devices installed in your vehicle.
- Your estimated daily commuting mileage or total mileage.
- Information regarding any driving incidents within the past five to ten years, such as speeding tickets or at-fault accidents.
- The name of your current insurance company and the duration of your policy with them.
- Your Social Security number.
- The age at which you first obtained your driver’s license or how long you have held a driver’s license.
- Similar information is needed for any other drivers or vehicles you plan to include in the policy.
- 2
Decide on appropriate coverage levels and keep them consistent
Once you decide how much coverage you wish to purchase, make sure to use the same coverage levels when comparing different insurance companies. This method allows you to compare "apples to apples" and ensures that the rates you receive provide a fair estimate of what each company is offering.
- 3
Apply all relevant discount information
When filling out an online quote form, make sure all applicable discounts are applied to your quote to get lower premiums. Different insurance companies offer varying discounts, which can impact the final price. Sometimes, you may need to contact an agent to confirm that all applicable discounts are reflected in your quote.
Regardless of discounts, you should focus on the bottom line. An insurance company may offer discounts, but if its rates are similar to competitors, it won’t make much of a practical difference to you than if you bought a policy with cheap rates and limited deals even after discounts are applied.
- 4
Compare car insurance quotes across companies
We recommend comparing at least three car insurance companies; however, the more insurers you review, the better your chances of finding the best deal. In addition to focusing on savings, it's important to evaluate each insurer’s customer service experience and flexible payment plans and low down payment options. This will help you choose a company that is effective and fair when it comes to handling claims. See our guide to switching car insurance 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.