Compare Rates and Save On Auto Insurance

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You primarily need car insurance because it’s required by law in most states. Drivers must purchase a minimum amount of car insurance, which varies by state and generally includes liability insurance and underinsured or uninsured motorist coverage.

In many cases, you may want to increase your coverage limit above and beyond what is required by law since doing so can help to ensure that you’re protected financially in the event of an accident. Not having enough coverage could mean you’re stuck paying a huge amount out of pocket for car repairs or medical bills after an accident.

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Key Takeaways

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You need car insurance to comply with your state’s rules and regulations.

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Car insurance can also protect you financially in case of an accident.

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Purchasing the right car insurance coverage for your needs can help to ensure that you’re protected.

Why Do You Need Car Insurance?

Car insurance protects you from the financial consequences of a car accident. While required by law, car insurance is important to help protect you, your family, and your finances. Increasing your coverage limits above the minimum coverage requirements can help ensure you have the coverage you need to cover expenses in the aftermath of an accident.

1

The Law

Car insurance is mandatory in most states, and each state has a minimum car insurance requirement that specifies the coverage types and minimum coverage limits you’ll need to meet. To legally operate your vehicle, you must purchase an auto insurance policy that meets your state’s requirements.

2

Financial Protection

A robust auto insurance policy can provide financial protection if you get into an accident. Car insurance can help pay for covered damages to another person’s vehicle, injuries to other parties, or damage to your car. Full coverage auto insurance typically includes liability coverage, comprehensive coverage and collision coverage.

3

Repair Coverage

Having adequate auto insurance coverage limits will help cover damage to your car if you’re in an accident. If you’re at fault, your policy will also cover damages to the other car involved in the accident. Without auto insurance, you could be on the hook for extensive repair costs.

4

For Loaned Cars

If you lease your car or if a lender finances your vehicle, chances are you’ll be required to purchase collision and comprehensive insurance. The state doesn’t require these types of insurance, but they can help to protect your car (and your lender’s investment) if it gets stolen or totaled. You may also consider purchasing gap insurance if you’re driving a new car.

5

Personal Protection

Auto insurance can help you pay for your medical bills after an accident and fill in gaps in your health insurance policy. Medical payment or Personal Injury Protection (PIP) coverage can help to cover the cost of hospital visits, doctors' bills and surgery. In some cases, it may also cover a portion of your lost wages if you cannot return to work.

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AUTO INSURANCE IS A LEGAL REQUIREMENT

It’s never a good idea to drive a vehicle without your state’s required minimum auto insurance coverage. If caught, you could face a hefty fine, license suspension or even jail time, depending on state laws. Plus, you won’t have any financial protection if you're in an accident and may find yourself on the hook for auto repair and medical bills.

Why Is Car Insurance Mandatory?

Car insurance is mandatory in almost all states. Carrying car insurance protects you as a driver, as well as others on the road. Liability insurance covers damage you cause to other vehicles or individuals in an accident, while other types of personal car insurance, like collision and comprehensive coverage, cover damage to your own vehicle.

Requiring car insurance for all drivers helps ensure that an accident's results aren’t financially devastating, whether or not you’re at fault.

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WHY YOU SHOULD CHOOSE INCREASED AUTO INSURANCE COVERAGE

While it may slightly increase your monthly premiums, it’s best to opt for a coverage limit higher than the required minimum in the long run. Increased auto insurance coverage is a safety net that will help to protect you financially if you get into a car accident. While we all hope that we never have to use our car insurance, it’s often better to be safe than sorry when choosing your coverage.

How Much Car Insurance Should You Get?

When deciding how much auto insurance coverage you need, you may consider sticking to the 100/300/100 rule of thumb. This rule suggests you purchase $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage liability coverage per accident.

In addition to liability coverage, PIP or UM/UIM coverage may also be required. Even if it’s not mandatory, these types of coverage can still be a good idea since they help to cover medical bills and repairs if you’re in an accident. You may also want to add comprehensive and collision insurance, which covers damage to your car.

Listed below is the cost of full coverage per company:

Average Annual Premiums for Full Coverage Car Insurance
Company
Average Annual Premium

American National P&C

$238

Grinnell Mutual

$258

Cincinnati Insurance

$262

PEMCO

$262

Vermont Mutual

$267

American National P&C

$268

American National P&C

$279

USAA

$283

PEMCO

$284

Vermont Mutual

$288

USAA

$289

Cincinnati Insurance

$289

American National P&C

$292

Vermont Mutual

$293

Texas Farm Bureau

$295

Grinnell Mutual

$298

Western National

$308

PEMCO

$309

West Bend Mutual

$312

Grinnell Mutual

$314

Western National

$319

Vermont Mutual

$322

PEMCO

$326

Cincinnati Insurance

$328

American National P&C

$329

PEMCO

$334

Texas Farm Bureau

$339

USAA

$340

North Carolina Farm Bureau

$340

Auto-Owners Insurance Co

$340

North Carolina Farm Bureau

$341

American National P&C

$342

West Bend Mutual

$343

Auto-Owners Insurance Co

$347

American National P&C

$348

American National P&C

$348

Arbella

$349

Texas Farm Bureau

$354

MAPFRE

$355

Westfield

$356

PEMCO

$357

PEMCO

$357

USAA

$357

Plymouth Rock Assurance

$358

Cincinnati Insurance

$361

Grinnell Mutual

$361

Erie

$365

USAA

$365

Erie

$366

West Bend Mutual

$367

Plymouth Rock Assurance

$370

Grinnell Mutual

$371

Grinnell Mutual

$371

Cincinnati Insurance

$372

Cincinnati Insurance

$372

Grinnell Mutual

$380

PEMCO

$382

PEMCO

$387

PEMCO

$387

Westfield

$387

American National P&C

$389

American National P&C

$389

State Farm

$391

Alfa

$397

Western National

$398

MAPFRE

$398

USAA

$403

USAA

$403

West Bend Mutual

$404

Cincinnati Insurance

$405

American National P&C

$405

American National P&C

$405

Texas Farm Bureau

$408

Auto-Owners Insurance Co

$408

Plymouth Rock Assurance

$409

State Farm

$409

Vermont Mutual

$411

Vermont Mutual

$411

Western National

$412

Cincinnati Insurance

$412

Cincinnati Insurance

$412

Auto-Owners Insurance Co

$416

Texas Farm Bureau

$419

Texas Farm Bureau

$419

USAA

$420

USAA

$420

Alfa

$422

GEICO

$424

North Carolina Farm Bureau

$425

Safety Group

$426

Acuity

$429

USAA

$431

Texas Farm Bureau

$433

Grinnell Mutual

$435

Grinnell Mutual

$435

Westfield

$435

GEICO

$436

MAPFRE

$438

Country Financial

$440

Auto-Owners Insurance Co

$441

NJM

$442

PEMCO

$442

PEMCO

$442

Westfield

$444

Vermont Mutual

$446

Country Financial

$446

Erie

$447

Erie

$448

North Carolina Farm Bureau

$449

North Carolina Farm Bureau

$450

Amica Mutual

$451

Nationwide

$456

Erie

$457

Arbella

$460

Grinnell Mutual

$460

Nationwide

$462

PEMCO

$462

Acuity

$462

Vermont Mutual

$468

Vermont Mutual

$468

Westfield

$468

West Bend Mutual

$470

Western National

$472

Arbella

$472

Plymouth Rock Assurance

$475

CSAA

$476

Western National

$478

Western National

$478

American Family

$479

Vermont Mutual

$481

West Bend Mutual

$481

West Bend Mutual

$481

Texas Farm Bureau

$483

Texas Farm Bureau

$483

American Family

$486

PEMCO

$486

American National P&C

$487

Western National

$489

Western National

$489

American National P&C

$490

MAPFRE

$491

Amica Mutual

$491

Plymouth Rock Assurance

$492

Auto-Owners Insurance Co

$493

Auto-Owners Insurance Co

$493

State Farm

$494

Nationwide

$495

PEMCO

$495

USAA

$496

USAA

$496

Chubb

$497

State Farm

$499

GEICO

$500

Travelers

$504

Cincinnati Insurance

$505

Nationwide

$506

Auto-Owners Insurance Co

$506

Auto-Owners Insurance Co

$506

Amica Mutual

$507

AAA

$508

NJM

$509

PEMCO

$509

West Bend Mutual

$510

West Bend Mutual

$510

CSAA

$512

Progressive

$512

Arbella

$512

AAA

$513

Acuity

$513

Progressive

$514

PEMCO

$518

Texas Farm Bureau

$520

Grange Insurance

$521

Travelers

$523

State Farm

$523

Erie

$525

Erie

$525

Texas Farm Bureau

$525

American National P&C

$527

Erie

$528

Erie

$528

Westfield

$528

Westfield

$528

Auto-Owners Insurance Co

$530

NJM

$531

Shelter

$532

PEMCO

$533

American National P&C

$535

American National P&C

$538

American National P&C

$540

Country Financial

$543

MAPFRE

$543

MAPFRE

$543

Grinnell Mutual

$543

Grinnell Mutual

$543

Alfa

$543

Chubb

$544

Westfield

$544

NJM

$545

NJM

$545

PEMCO

$546

Travelers

$548

American Family

$548

West Bend Mutual

$549

North Carolina Farm Bureau

$551

PEMCO

$551

Acuity

$551

Hartford

$551

Plymouth Rock Assurance

$552

Country Financial

$553

MAPFRE

$555

MAPFRE

$555

Cincinnati Insurance

$556

Erie

$556

PEMCO

$557

Safety Group

$557

American Family

$558

American Family

$559

Vermont Mutual

$559

Grange Insurance

$561

Westfield

$563

Westfield

$563

Alfa

$567

Alfa

$567

Alfa

$568

PEMCO

$569

Vermont Mutual

$569

Texas Farm Bureau

$569

North Carolina Farm Bureau

$571

North Carolina Farm Bureau

$571

Grange Insurance

$571

Farmers

$572

American National P&C

$575

Cincinnati Insurance

$575

Cincinnati Insurance

$575

American National P&C

$576

North Carolina Farm Bureau

$576

North Carolina Farm Bureau

$576

American National P&C

$578

Progressive

$579

GEICO

$579

Texas Farm Bureau

$580

CSAA

$580

Vermont Mutual

$580

PEMCO

$581

PEMCO

$582

American National P&C

$584

American National P&C

$585

PEMCO

$586

Nationwide

$587

Nationwide

$587

USAA

$590

Vermont Mutual

$590

Nationwide

$592

Farmers

$594

USAA

$597

PEMCO

$598

PEMCO

$598

American National P&C

$599

American National P&C

$599

Safety Group

$600

Alfa

$601

Alfa

$601

Alfa

$601

GEICO

$602

Amica Mutual

$604

Allstate

$604

NJM

$605

Western National

$606

Acuity

$607

Cincinnati Insurance

$607

NJM

$609

Country Financial

$609

Nationwide

$611

Nationwide

$611

CSAA

$612

PEMCO

$613

USAA

$614

Vermont Mutual

$614

State Farm

$615

State Farm

$615

Vermont Mutual

$616

USAA

$618

Grange Insurance

$619

Cincinnati Insurance

$620

PEMCO

$621

Travelers

$621

American National P&C

$624

Texas Farm Bureau

$625

Texas Farm Bureau

$625

American National P&C

$626

American National P&C

$626

Texas Farm Bureau

$627

Shelter

$628

Texas Farm Bureau

$629

State Farm

$629

Arbella

$631

Arbella

$631

Hartford

$632

Texas Farm Bureau

$633

NJM

$636

NJM

$636

North Carolina Farm Bureau

$637

PEMCO

$638

PEMCO

$640

Allstate

$640

Kemper

$640

Allstate

$641

North Carolina Farm Bureau

$643

North Carolina Farm Bureau

$643

Vermont Mutual

$643

American Family

$644

American National P&C

$644

Nationwide

$644

Auto-Owners Insurance Co

$644

Auto-Owners Insurance Co

$644

Texas Farm Bureau

$644

Travelers

$644

Vermont Mutual

$645

AAA

$645

Erie

$645

Erie

$645

PEMCO

$646

Shelter

$648

North Carolina Farm Bureau

$648

State Farm

$651

State Farm

$651

American National P&C

$652

USAA

$654

Westfield

$655

Westfield

$655

Chubb

$656

Cincinnati Insurance

$656

Grange Insurance

$657

USAA

$658

Country Financial

$658

Country Financial

$658

Vermont Mutual

$661

Arbella

$662

Cincinnati Insurance

$663

Mercury

$664

USAA

$664

Progressive

$664

Vermont Mutual

$665

CSAA

$666

Progressive

$666

AAA

$667

American National P&C

$668

American Family

$668

American Family

$668

Vermont Mutual

$669

Vermont Mutual

$669

PEMCO

$670

Acuity

$671

Acuity

$671

Vermont Mutual

$671

Cincinnati Insurance

$671

American National P&C

$672

Country Financial

$673

Country Financial

$673

Amica Mutual

$673

Cincinnati Insurance

$675

Amica Mutual

$676

AAA

$676

CSAA

$676

CSAA

$676

Arbella

$678

NJM

$678

USAA

$679

Travelers

$679

North Carolina Farm Bureau

$682

North Carolina Farm Bureau

$682

USAA

$683

American Family

$684

American Family

$684

Grange Insurance

$684

West Bend Mutual

$684

West Bend Mutual

$684

Hartford

$685

American National P&C

$685

GEICO

$686

GEICO

$686

Vermont Mutual

$686

USAA

$688

Plymouth Rock Assurance

$688

Plymouth Rock Assurance

$688

PEMCO

$689

Texas Farm Bureau

$691

GEICO

$691

Farmers

$692

State Farm

$692

National General

$692

Mercury

$693

Texas Farm Bureau

$693

Texas Farm Bureau

$693

Arbella

$694

Auto-Owners Insurance Co

$694

Texas Farm Bureau

$696

Grinnell Mutual

$697

Acuity

$698

Acuity

$698

PEMCO

$698

PEMCO

$699

American National P&C

$701

North Carolina Farm Bureau

$701

Plymouth Rock Assurance

$703

Plymouth Rock Assurance

$703

Safety Group

$704

USAA

$704

GEICO

$705

GEICO

$705

North Carolina Farm Bureau

$707

North Carolina Farm Bureau

$708

NJM

$708

West Bend Mutual

$709

Kemper

$709

USAA

$710

Arbella

$711

Chubb

$712

North Carolina Farm Bureau

$713

Cincinnati Insurance

$714

USAA

$716

North Carolina Farm Bureau

$718

Cincinnati Insurance

$720

USAA

$721

American National P&C

$721

USAA

$722

Auto-Owners Insurance Co

$722

North Carolina Farm Bureau

$723

Erie

$723

Western National

$723

Western National

$723

Erie

$726

Cincinnati Insurance

$727

Acuity

$727

Amica Mutual

$727

Amica Mutual

$727

State Farm

$728

Vermont Mutual

$729

PEMCO

$729

Plymouth Rock Assurance

$731

Farmers

$731

Auto-Owners Insurance Co

$732

Grange Insurance

$735

Grange Insurance

$735

West Bend Mutual

$737

Allstate

$738

Cincinnati Insurance

$739

Direct General Insurance

$739

State Farm

$743

Vermont Mutual

$743

Kemper

$745

Vermont Mutual

$745

American National P&C

$745

Grinnell Mutual

$745

North Carolina Farm Bureau

$748

Hartford

$749

Hartford

$749

West Bend Mutual

$752

West Bend Mutual

$752

Travelers

$753

Travelers

$753

USAA

$753

Auto-Owners Insurance Co

$753

Country Financial

$753

USAA

$754

National General

$754

North Carolina Farm Bureau

$754

CSAA

$754

CSAA

$754

PEMCO

$755

National General

$756

Shelter

$756

Progressive

$757

Vermont Mutual

$758

Texas Farm Bureau

$758

North Carolina Farm Bureau

$758

GEICO

$759

USAA

$760

Texas Farm Bureau

$760

Erie

$763

CSAA

$763

Direct General Insurance

$763

Erie

$763

North Carolina Farm Bureau

$764

Grange Insurance

$765

Grange Insurance

$765

Texas Farm Bureau

$765

West Bend Mutual

$765

Progressive

$765

Progressive

$765

Chubb

$766

Chubb

$766

Vermont Mutual

$767

State Farm

$767

Mercury

$767

West Bend Mutual

$767

Nationwide

$767

Nationwide

$767

NJM

$767

Plymouth Rock Assurance

$767

State Farm

$768

State Farm

$768

USAA

$768

Farmers

$769

American National P&C

$770

Auto-Owners Insurance Co

$771

Texas Farm Bureau

$771

GEICO

$773

NJM

$773

Travelers

$775

Travelers

$775

Texas Farm Bureau

$776

Progressive

$776

Progressive

$776

NJM

$776

Cincinnati Insurance

$776

Shelter

$777

Shelter

$777

American Family

$779

American Family

$779

Farm Bureau Ins of MI

$779

Erie

$780

Hartford

$780

Auto-Owners Insurance Co

$780

NJM

$781

Grinnell Mutual

$782

GEICO

$782

Cincinnati Insurance

$782

North Carolina Farm Bureau

$782

Erie

$783

State Farm

$783

Allstate

$784

Chubb

$784

West Bend Mutual

$786

Allstate

$786

State Farm

$787

Alfa

$787

Alfa

$787

Alfa

$787

NJM

$787

North Carolina Farm Bureau

$787

Plymouth Rock Assurance

$790

Plymouth Rock Assurance

$790

Cincinnati Insurance

$790

USAA

$790

West Bend Mutual

$791

Auto-Owners Insurance Co

$792

West Bend Mutual

$794

Arbella

$795

Arbella

$795

Safety Group

$795

Safety Group

$795

GEICO

$795

Auto-Owners Insurance Co

$795

NJM

$798

AAA

$798

AAA

$798

Arbella

$798

Grinnell Mutual

$798

American National P&C

$798

NJM

$800

NJM

$800

Safety Group

$800

Farm Bureau Ins of MI

$801

American Family

$802

Cincinnati Insurance

$805

North Carolina Farm Bureau

$805

AAA

$806

AAA

$806

Kemper

$806

GEICO

$808

GEICO

$808

Grange Insurance

$809

Grange Insurance

$809

Arbella

$809

West Bend Mutual

$810

North Carolina Farm Bureau

$811

Arbella

$812

Arbella

$812

NJM

$812

Farm Bureau Ins of MI

$813

PEMCO

$814

West Bend Mutual

$814

Amica Mutual

$815

Amica Mutual

$815

Nationwide

$816

Amica Mutual

$817

Amica Mutual

$817

Erie

$819

State Farm

$819

Plymouth Rock Assurance

$820

Erie

$820

Travelers

$821

Travelers

$821

NJM

$822

Plymouth Rock Assurance

$826

Erie

$826

Auto-Owners Insurance Co

$826

Arbella

$826

American Family

$826

American Family

$826

Chubb

$827

Chubb

$827

Hartford

$828

North Carolina Farm Bureau

$829

Erie

$830

Auto-Owners Insurance Co

$830

Amica Mutual

$830

Grinnell Mutual

$830

Amica Mutual

$831

Nationwide

$833

State Farm

$834

Texas Farm Bureau

$835

West Bend Mutual

$836

USAA

$836

Farm Bureau Ins of MI

$836

North Carolina Farm Bureau

$838

Nationwide

$839

State Farm

$839

Texas Farm Bureau

$840

Cincinnati Insurance

$840

West Bend Mutual

$840

USAA

$842

MAPFRE

$843

National General

$843

Texas Farm Bureau

$845

Alfa

$845

AAA

$845

GEICO

$846

American Family

$846

American National P&C

$847

Hartford

$849

Hartford

$849

Plymouth Rock Assurance

$849

Country Financial

$850

Allstate

$851

Allstate

$851

CSAA

$851

CSAA

$851

Arbella

$852

USAA

$853

Auto-Owners Insurance Co

$853

Auto-Owners Insurance Co

$854

Nationwide

$856

Mercury

$856

Alfa

$857

Grinnell Mutual

$857

American Family

$857

Texas Farm Bureau

$858

American Family

$858

Vermont Mutual

$858

State Farm

$858

Westfield

$858

National General

$860

Plymouth Rock Assurance

$861

Auto-Owners Insurance Co

$861

Erie

$862

Erie

$863

West Bend Mutual

$864

Auto-Owners Insurance Co

$864

CSAA

$864

Erie

$865

NJM

$866

Shelter

$867

Erie

$867

Arbella

$868

State Farm

$869

Plymouth Rock Assurance

$870

Farm Bureau Ins of MI

$872

Farm Bureau Ins of MI

$872

Safety Group

$874

Cincinnati Insurance

$876

Country Financial

$876

Nationwide

$876

West Bend Mutual

$879

GEICO

$879

NJM

$880

National General

$880

National General

$880

North Carolina Farm Bureau

$880

American Family

$880

Plymouth Rock Assurance

$881

American Family

$882

Plymouth Rock Assurance

$882

Grinnell Mutual

$883

State Farm

$883

Farmers

$883

Farmers

$883

Safety Group

$884

North Carolina Farm Bureau

$886

Westfield

$886

NJM

$887

Progressive

$888

Progressive

$888

Plymouth Rock Assurance

$888

American Family

$890

CSAA

$890

Farmers

$891

North Carolina Farm Bureau

$891

Travelers

$891

West Bend Mutual

$892

MAPFRE

$893

USAA

$893

West Bend Mutual

$894

Cincinnati Insurance

$897

Allstate

$898

Allstate

$898

Mercury

$899

USAA

$899

Erie

$900

Shelter

$901

American Family

$901

Nationwide

$901

Arbella

$901

Westfield

$902

Auto-Owners Insurance Co

$902

Grinnell Mutual

$903

Allstate

$904

Allstate

$904

Arbella

$904

NJM

$905

Kemper

$905

Kemper

$905

State Farm

$905

Nationwide

$905

Country Financial

$906

Country Financial

$906

Kemper

$908

GEICO

$909

National General

$909

Nationwide

$909

Travelers

$911

Progressive

$911

Acuity

$912

Acuity

$912

Grinnell Mutual

$913

Arbella

$913

American Family

$913

Plymouth Rock Assurance

$914

Country Financial

$914

Amica Mutual

$914

State Farm

$915

Travelers

$915

NJM

$915

Plymouth Rock Assurance

$915

Farm Bureau Ins of MI

$916

Farm Bureau Ins of MI

$916

West Bend Mutual

$918

Arbella

$918

Erie

$918

MAPFRE

$920

Erie

$920

Texas Farm Bureau

$920

Auto-Owners Insurance Co

$920

GEICO

$921

Vermont Mutual

$921

NJM

$922

AAA

$922

Arbella

$923

GEICO

$923

GEICO

$923

Shelter

$923

Shelter

$923

Amica Mutual

$925

Cincinnati Insurance

$926

MAPFRE

$926

Nationwide

$926

Auto-Owners Insurance Co

$927

Amica Mutual

$927

Direct General Insurance

$928

Farmers

$929

Farmers

$929

Nationwide

$930

State Farm

$931

Amica Mutual

$931

Texas Farm Bureau

$932

Kemper

$932

Country Financial

$933

Westfield

$933

Western National

$933

Amica Mutual

$934

USAA

$935

Alfa

$936

GEICO

$936

Travelers

$936

Hartford

$937

State Farm

$937

Texas Farm Bureau

$939

Plymouth Rock Assurance

$939

Westfield

$940

Progressive

$940

American Family

$941

CSAA

$942

North Carolina Farm Bureau

$943

State Farm

$944

American Family

$944

NJM

$946

GEICO

$946

Grange Insurance

$947

MAPFRE

$947

MAPFRE

$947

North Carolina Farm Bureau

$948

Country Financial

$948

NJM

$949

Grinnell Mutual

$951

Progressive

$952

Nationwide

$954

Grinnell Mutual

$954

AAA

$954

Grange Insurance

$955

Arbella

$956

Vermont Mutual

$957

Texas Farm Bureau

$957

Shelter

$958

American Family

$958

Country Financial

$958

Vermont Mutual

$960

North Carolina Farm Bureau

$960

Erie

$961

Amica Mutual

$962

Travelers

$962

Auto-Owners Insurance Co

$963

Plymouth Rock Assurance

$963

Amica Mutual

$963

Erie

$964

Alfa

$964

American Family

$966

Erie

$967

Westfield

$968

Country Financial

$968

CSAA

$970

American Family

$972

Erie

$973

Shelter

$973

Hartford

$974

MAPFRE

$975

Plymouth Rock Assurance

$975

Allstate

$976

Nationwide

$977

Farmers

$978

American Family

$978

Westfield

$979

Grinnell Mutual

$981

State Farm

$981

Plymouth Rock Assurance

$981

State Farm

$982

Acuity

$982

Progressive

$985

Safety Group

$985

Mercury

$987

Mercury

$987

Nationwide

$988

Allstate

$988

Cincinnati Insurance

$989

American Family

$990

USAA

$992

Auto-Owners Insurance Co

$993

NJM

$995

Cincinnati Insurance

$996

Vermont Mutual

$996

Travelers

$996

Plymouth Rock Assurance

$996

GEICO

$996

National General

$996

National General

$996

Plymouth Rock Assurance

$997

Safety Group

$997

American Family

$997

Travelers

$998

GEICO

$999

Plymouth Rock Assurance

$999

Westfield

$1,000

CSAA

$1,000

Farmers

$1,001

Country Financial

$1,001

MAPFRE

$1,002

MAPFRE

$1,004

Grinnell Mutual

$1,004

AAA

$1,004

AAA

$1,004

NJM

$1,005

CSAA

$1,005

Farm Bureau Ins of MI

$1,006

Mercury

$1,007

Westfield

$1,007

AAA

$1,008

Allstate

$1,008

Country Financial

$1,009

Grinnell Mutual

$1,010

Kemper

$1,010

Kemper

$1,010

Westfield

$1,011

Western National

$1,011

Western National

$1,012

Nationwide

$1,013

GEICO

$1,013

Farmers

$1,014

Allstate

$1,014

GEICO

$1,015

Travelers

$1,015

Travelers

$1,015

Plymouth Rock Assurance

$1,017

North Carolina Farm Bureau

$1,017

Chubb

$1,019

Acuity

$1,019

Safety Group

$1,019

Grange Insurance

$1,020

GEICO

$1,020

Auto-Owners Insurance Co

$1,021

West Bend Mutual

$1,022

American Family

$1,022

Amica Mutual

$1,023

Plymouth Rock Assurance

$1,023

Alfa

$1,024

Alfa

$1,024

Alfa

$1,026

Alfa

$1,027

CSAA

$1,027

Grange Insurance

$1,027

GEICO

$1,028

Chubb

$1,028

Alfa

$1,028

State Farm

$1,029

Safety Group

$1,029

Amica Mutual

$1,030

Erie

$1,030

Western National

$1,031

Kemper

$1,031

Kemper

$1,031

Texas Farm Bureau

$1,031

Texas Farm Bureau

$1,032

State Farm

$1,032

NJM

$1,032

Travelers

$1,033

Farm Bureau Ins of MI

$1,034

Erie

$1,034

Country Financial

$1,034

Plymouth Rock Assurance

$1,035

Westfield

$1,035

Shelter

$1,035

Country Financial

$1,036

Travelers

$1,037

MAPFRE

$1,040

MAPFRE

$1,040

MAPFRE

$1,040

Acuity

$1,041

Hartford

$1,041

American Family

$1,042

Westfield

$1,042

Grange Insurance

$1,042

Amica Mutual

$1,044

Auto-Owners Insurance Co

$1,044

Farmers

$1,045

Amica Mutual

$1,045

State Farm

$1,045

Amica Mutual

$1,046

Progressive

$1,047

Nationwide

$1,047

Nationwide

$1,048

West Bend Mutual

$1,051

Country Financial

$1,051

AAA

$1,051

American Family

$1,052

GEICO

$1,053

Grange Insurance

$1,054

Progressive

$1,055

Arbella

$1,055

Mercury

$1,055

Mercury

$1,055

National General

$1,055

National General

$1,055

Country Financial

$1,058

Arbella

$1,058

Arbella

$1,059

American Family

$1,060

Chubb

$1,062

Shelter

$1,064

Acuity

$1,065

CSAA

$1,065

Cincinnati Insurance

$1,065

Grange Insurance

$1,065

Westfield

$1,066

Travelers

$1,067

Acuity

$1,068

AAA

$1,069

Alfa

$1,069

Farmers

$1,069

Farmers

$1,069

Travelers

$1,069

Hartford

$1,070

Hartford

$1,072

CSAA

$1,072

Plymouth Rock Assurance

$1,072

Nationwide

$1,073

Westfield

$1,074

Progressive

$1,076

Arbella

$1,076

Allstate

$1,076

Nationwide

$1,077

Grinnell Mutual

$1,078

Safety Group

$1,080

Safety Group

$1,080

Western National

$1,080

Amica Mutual

$1,080

Arbella

$1,081

Arbella

$1,081

Direct General Insurance

$1,081

Direct General Insurance

$1,081

Direct General Insurance

$1,081

Country Financial

$1,082

Westfield

$1,082

Amica Mutual

$1,082

Amica Mutual

$1,083

Farmers

$1,084

Amica Mutual

$1,085

GEICO

$1,086

Cincinnati Insurance

$1,088

Progressive

$1,088

Direct General Insurance

$1,088

West Bend Mutual

$1,089

Shelter

$1,089

Direct General Insurance

$1,089

Direct General Insurance

$1,089

MAPFRE

$1,090

Erie

$1,091

Shelter

$1,091

CSAA

$1,091

Allstate

$1,092

MAPFRE

$1,092

MAPFRE

$1,092

Western National

$1,092

Hartford

$1,093

Direct General Insurance

$1,093

Vermont Mutual

$1,095

CSAA

$1,095

MAPFRE

$1,096

Erie

$1,096

Progressive

$1,097

AAA

$1,097

GEICO

$1,098

Travelers

$1,098

CSAA

$1,099

Travelers

$1,099

State Farm

$1,099

Direct General Insurance

$1,101

West Bend Mutual

$1,101

Acuity

$1,102

Auto-Owners Insurance Co

$1,103

CSAA

$1,106

NJM

$1,106

Cincinnati Insurance

$1,107

Hartford

$1,108

Western National

$1,109

Allstate

$1,109

Nationwide

$1,110

Grinnell Mutual

$1,110

Nationwide

$1,110

Plymouth Rock Assurance

$1,111

Arbella

$1,112

GEICO

$1,112

NJM

$1,114

Allstate

$1,114

Arbella

$1,115

Travelers

$1,115

Alfa

$1,115

Alfa

$1,115

Western National

$1,115

Grange Insurance

$1,116

Country Financial

$1,116

Allstate

$1,117

MAPFRE

$1,117

Hartford

$1,117

Progressive

$1,118

West Bend Mutual

$1,118

Travelers

$1,118

Acuity

$1,118

Progressive

$1,120

Allstate

$1,121

Acuity

$1,122

Vermont Mutual

$1,122

American Family

$1,122

GEICO

$1,123

Allstate

$1,124

CSAA

$1,124

Farm Bureau Ins of MI

$1,125

Farm Bureau Ins of MI

$1,125

Grange Insurance

$1,126

Country Financial

$1,127

Amica Mutual

$1,128

Chubb

$1,129

Safety Group

$1,130

Texas Farm Bureau

$1,130

Shelter

$1,131

Arbella

$1,134

Alfa

$1,134

Vermont Mutual

$1,134

Grange Insurance

$1,134

Safety Group

$1,134

Hartford

$1,135

Alfa

$1,136

Travelers

$1,137

American Family

$1,137

Plymouth Rock Assurance

$1,137

Farmers

$1,137

Progressive

$1,138

Arbella

$1,138

Safety Group

$1,140

AAA

$1,140

NJM

$1,140

Grinnell Mutual

$1,140

CSAA

$1,141

State Farm

$1,142

Safety Group

$1,142

Allstate

$1,143

Westfield

$1,143

Chubb

$1,143

Chubb

$1,143

Safety Group

$1,144

Country Financial

$1,145

Auto-Owners Insurance Co

$1,146

Acuity

$1,146

Nationwide

$1,146

Auto-Owners Insurance Co

$1,147

Travelers

$1,147

Hartford

$1,147

Hartford

$1,147

Travelers

$1,147

MAPFRE

$1,148

Grange Insurance

$1,149

Westfield

$1,149

Farmers

$1,149

Shelter

$1,152

American Family

$1,154

AAA

$1,155

Shelter

$1,155

Grange Insurance

$1,155

Chubb

$1,156

Cincinnati Insurance

$1,157

Vermont Mutual

$1,157

Western National

$1,159

Nationwide

$1,160

Farmers

$1,160

Progressive

$1,160

Farmers

$1,160

Direct General Insurance

$1,162

State Farm

$1,163

NJM

$1,163

Alfa

$1,164

Chubb

$1,164

Grange Insurance

$1,165

Grinnell Mutual

$1,166

West Bend Mutual

$1,168

Erie

$1,169

Grange Insurance

$1,169

Travelers

$1,170

Hartford

$1,172

Amica Mutual

$1,174

Westfield

$1,174

Amica Mutual

$1,176

AAA

$1,176

Amica Mutual

$1,177

Allstate

$1,177

Western National

$1,177

Direct General Insurance

$1,178

Amica Mutual

$1,178

Acuity

$1,178

Amica Mutual

$1,179

Progressive

$1,179

Grange Insurance

$1,180

Amica Mutual

$1,181

Shelter

$1,182

Travelers

$1,183

Chubb

$1,183

CSAA

$1,184

Acuity

$1,186

Plymouth Rock Assurance

$1,187

Progressive

$1,188

Mercury

$1,188

Mercury

$1,188

Country Financial

$1,188

NJM

$1,190

Progressive

$1,190

Direct General Insurance

$1,191

Farmers

$1,192

AAA

$1,194

West Bend Mutual

$1,194

Western National

$1,197

AAA

$1,199

Travelers

$1,199

Chubb

$1,199

Mercury

$1,202

GEICO

$1,202

Allstate

$1,202

Farmers

$1,204

Progressive

$1,204

Acuity

$1,204

Auto-Owners Insurance Co

$1,205

Westfield

$1,205

Allstate

$1,205

Cincinnati Insurance

$1,205

Alfa

$1,206

Alfa

$1,206

CSAA

$1,206

AAA

$1,206

Westfield

$1,206

Western National

$1,208

Mercury

$1,209

State Farm

$1,209

Allstate

$1,209

Nationwide

$1,211

Arbella

$1,212

Grinnell Mutual

$1,213

CSAA

$1,213

Plymouth Rock Assurance

$1,213

Acuity

$1,216

American Family

$1,217

Hartford

$1,220

Grange Insurance

$1,222

West Bend Mutual

$1,224

Country Financial

$1,225

Hartford

$1,226

Erie

$1,226

Chubb

$1,227

AAA

$1,227

GEICO

$1,228

Auto-Owners Insurance Co

$1,228

Allstate

$1,230

Grange Insurance

$1,230

GEICO

$1,230

Allstate

$1,231

Progressive

$1,232

Grinnell Mutual

$1,234

Shelter

$1,237

Allstate

$1,238

Arbella

$1,239

Alfa

$1,239

Alfa

$1,241

Grange Insurance

$1,241

Acuity

$1,241

Mercury

$1,242

Farmers

$1,243

Country Financial

$1,244

Allstate

$1,247

Nationwide

$1,248

Farmers

$1,249

Allstate

$1,252

CSAA

$1,252

Safety Group

$1,253

Grange Insurance

$1,254

CSAA

$1,254

CSAA

$1,255

Travelers

$1,259

Hartford

$1,259

Travelers

$1,261

AAA

$1,262

Western National

$1,263

The General

$1,263

Mercury

$1,264

Acuity

$1,264

Hartford

$1,265

Acuity

$1,269

Arbella

$1,269

Chubb

$1,270

Kemper

$1,272

Amica Mutual

$1,272

Shelter

$1,272

State Farm

$1,272

National General

$1,273

Westfield

$1,273

Safety Group

$1,274

Safety Group

$1,274

West Bend Mutual

$1,274

NJM

$1,274

Cincinnati Insurance

$1,274

Amica Mutual

$1,275

Chubb

$1,275

Farmers

$1,276

Grange Insurance

$1,280

Progressive

$1,282

Progressive

$1,283

Direct General Insurance

$1,286

Western National

$1,287

AAA

$1,287

Allstate

$1,288

Hartford

$1,288

CSAA

$1,288

Hartford

$1,291

Kemper

$1,292

National General

$1,292

Grinnell Mutual

$1,292

Grinnell Mutual

$1,292

Farmers

$1,294

Nationwide

$1,295

Travelers

$1,295

Vermont Mutual

$1,296

Farmers

$1,296

Arbella

$1,297

Farmers

$1,298

Alfa

$1,300

NJM

$1,301

Chubb

$1,301

AAA

$1,303

Shelter

$1,303

Shelter

$1,303

Westfield

$1,304

Grange Insurance

$1,304

Chubb

$1,304

Shelter

$1,313

Country Financial

$1,313

Western National

$1,314

Allstate

$1,315

Grange Insurance

$1,316

Progressive

$1,317

Acuity

$1,318

Kemper

$1,319

National General

$1,321

Safety Group

$1,324

Farmers

$1,326

Allstate

$1,326

Kemper

$1,326

Auto-Owners Insurance Co

$1,330

Chubb

$1,330

Nationwide

$1,331

Allstate

$1,332

Hartford

$1,334

GEICO

$1,334

Grange Insurance

$1,336

National General

$1,339

CSAA

$1,341

AAA

$1,341

Mercury

$1,343

Progressive

$1,343

CSAA

$1,344

Safety Group

$1,346

Hanover

$1,346

Chubb

$1,350

Progressive

$1,353

Westfield

$1,354

Shelter

$1,355

Western National

$1,355

National General

$1,355

Safety Group

$1,356

Mercury

$1,361

AAA

$1,362

Grinnell Mutual

$1,364

Acuity

$1,364

Country Financial

$1,369

Grange Insurance

$1,369

Chubb

$1,372

Travelers

$1,373

Farmers

$1,374

National General

$1,375

Shelter

$1,376

CSAA

$1,377

Allstate

$1,378

Farmers

$1,382

MAPFRE

$1,382

Westfield

$1,383

Westfield

$1,384

Mercury

$1,387

Acuity

$1,387

Farmers

$1,391

Country Financial

$1,394

AAA

$1,395

Western National

$1,395

Progressive

$1,396

Direct General Insurance

$1,398

Direct General Insurance

$1,398

Direct General Insurance

$1,398

Grange Insurance

$1,403

Chubb

$1,405

Hartford

$1,407

Alfa

$1,408

Alfa

$1,408

Mercury

$1,408

AAA

$1,410

Safety Group

$1,413

Kemper

$1,414

Kemper

$1,423

Hartford

$1,424

Country Financial

$1,426

Mercury

$1,428

National General

$1,429

Shelter

$1,430

Farmers

$1,430

Alfa

$1,431

Grange Insurance

$1,431

Nationwide

$1,433

Kemper

$1,434

Direct General Insurance

$1,435

Direct General Insurance

$1,435

Acuity

$1,436

Farmers

$1,437

CSAA

$1,437

Direct General Insurance

$1,438

The General

$1,438

National General

$1,441

Safety Group

$1,442

Direct General Insurance

$1,443

Direct General Insurance

$1,443

Grinnell Mutual

$1,444

National General

$1,447

AAA

$1,450

Direct General Insurance

$1,450

Chubb

$1,451

Kemper

$1,455

Hanover

$1,460

National General

$1,460

Western National

$1,461

Farm Bureau Ins of MI

$1,463

Farm Bureau Ins of MI

$1,463

Mercury

$1,463

Allstate

$1,464

Progressive

$1,466

Western National

$1,472

Hartford

$1,475

Acuity

$1,477

Hartford

$1,478

Shelter

$1,479

Mercury

$1,480

Country Financial

$1,481

Westfield

$1,482

Farm Bureau Ins of MI

$1,484

Farm Bureau Ins of MI

$1,484

Direct General Insurance

$1,487

Direct General Insurance

$1,489

Kemper

$1,491

Kemper

$1,492

Shelter

$1,495

Kemper

$1,500

Direct General Insurance

$1,503

National General

$1,504

Direct General Insurance

$1,504

Progressive

$1,508

Grinnell Mutual

$1,509

Kemper

$1,511

Mercury

$1,511

Country Financial

$1,518

Chubb

$1,525

CSAA

$1,526

Mercury

$1,528

Safety Group

$1,531

Direct General Insurance

$1,533

Direct General Insurance

$1,533

Safety Group

$1,536

Chubb

$1,538

Safety Group

$1,541

Alfa

$1,543

Alfa

$1,543

AAA

$1,545

AAA

$1,547

Acuity

$1,550

National General

$1,552

Mercury

$1,552

National General

$1,554

Farmers

$1,554

Grange Insurance

$1,555

Farm Bureau Ins of MI

$1,555

Farm Bureau Ins of MI

$1,556

National General

$1,558

Mercury

$1,558

Mercury

$1,560

Mercury

$1,560

Farmers

$1,561

Westfield

$1,563

AAA

$1,564

Kemper

$1,564

Kemper

$1,566

Kemper

$1,566

National General

$1,572

Kemper

$1,575

National General

$1,577

Grinnell Mutual

$1,581

Kemper

$1,583

Farm Bureau Ins of MI

$1,583

Farm Bureau Ins of MI

$1,585

National General

$1,586

Farm Bureau Ins of MI

$1,589

Acuity

$1,590

Direct General Insurance

$1,591

Western National

$1,595

Farmers

$1,600

Farm Bureau Ins of MI

$1,605

Farm Bureau Ins of MI

$1,606

National General

$1,606

Direct General Insurance

$1,611

Farm Bureau Ins of MI

$1,612

Direct General Insurance

$1,612

Mercury

$1,613

Progressive

$1,621

National General

$1,624

Kemper

$1,629

Chubb

$1,630

Acuity

$1,631

Country Financial

$1,631

Western National

$1,636

Hartford

$1,638

Shelter

$1,641

Kemper

$1,643

Mercury

$1,652

Shelter

$1,653

Shelter

$1,658

National General

$1,660

Grinnell Mutual

$1,661

Safety Group

$1,662

Hartford

$1,665

The General

$1,666

Safety Group

$1,668

National General

$1,671

Alfa

$1,674

Alfa

$1,674

Farm Bureau Ins of MI

$1,677

Farm Bureau Ins of MI

$1,680

AAA

$1,682

Farm Bureau Ins of MI

$1,686

Safety Group

$1,691

Hartford

$1,692

Mercury

$1,699

Western National

$1,702

Acuity

$1,703

Acuity

$1,704

MAPFRE

$1,704

Hanover

$1,708

The General

$1,708

The General

$1,708

Mercury

$1,710

Kemper

$1,711

Mercury

$1,713

Farm Bureau Ins of MI

$1,721

Safety Group

$1,721

Farmers

$1,724

Kemper

$1,728

Kemper

$1,730

National General

$1,733

Farm Bureau Ins of MI

$1,743

Hartford

$1,743

AAA

$1,747

Hanover

$1,750

National General

$1,751

Western National

$1,758

Chubb

$1,761

Kemper

$1,772

National General

$1,789

Mercury

$1,793

Hartford

$1,797

Chubb

$1,805

Kemper

$1,807

Kemper

$1,810

Farm Bureau Ins of MI

$1,818

Shelter

$1,821

Chubb

$1,836

Safety Group

$1,852

Chubb

$1,853

Acuity

$1,857

Hanover

$1,860

National General

$1,861

Shelter

$1,862

Western National

$1,865

Hartford

$1,879

Safety Group

$1,881

AAA

$1,884

MAPFRE

$1,885

MAPFRE

$1,885

Mercury

$1,888

Direct General Insurance

$1,908

Direct General Insurance

$1,908

The General

$1,911

National General

$1,912

Safety Group

$1,917

Direct General Insurance

$1,920

Direct General Insurance

$1,920

The General

$1,921

The General

$1,921

The General

$1,921

Western National

$1,927

Chubb

$1,928

Mercury

$1,932

Kemper

$1,936

Farm Bureau Ins of MI

$1,957

Farm Bureau Ins of MI

$1,958

Shelter

$1,959

Mercury

$1,968

Hartford

$1,984

Farm Bureau Ins of MI

$1,985

Farm Bureau Ins of MI

$1,985

Kemper

$2,016

Shelter

$2,025

Chubb

$2,028

National General

$2,040

Hanover

$2,043

Hanover

$2,043

Western National

$2,050

Direct General Insurance

$2,061

Direct General Insurance

$2,061

Farm Bureau Ins of MI

$2,077

Farm Bureau Ins of MI

$2,077

Chubb

$2,103

The General

$2,107

Safety Group

$2,107

Mercury

$2,107

Farm Bureau Ins of MI

$2,127

Shelter

$2,138

Farm Bureau Ins of MI

$2,155

Western National

$2,157

Hanover

$2,172

Hanover

$2,172

The General

$2,181

Hanover

$2,221

The General

$2,245

Farm Bureau Ins of MI

$2,247

Shelter

$2,342

The General

$2,379

The General

$2,395

Hanover

$2,445

Hanover

$2,460

The General

$2,509

Hanover

$2,517

The General

$2,520

The General

$2,551

The General

$2,558

The General

$2,558

The General

$2,558

Hanover

$2,564

Hanover

$2,575

Hanover

$2,590

Hanover

$2,590

Hanover

$2,625

The General

$2,647

The General

$2,664

The General

$2,664

The General

$2,690

Hanover

$2,744

Hanover

$2,757

The General

$2,797

Hanover

$2,830

The General

$2,840

Hanover

$2,859

The General

$2,862

The General

$2,862

Hanover

$2,876

Hanover

$2,909

Hanover

$2,957

Hanover

$2,973

The General

$3,002

The General

$3,002

Hanover

$3,046

The General

$3,057

Hanover

$3,072

Hanover

$3,092

Hanover

$3,118

Hanover

$3,122

Hanover

$3,174

MAPFRE

$3,289

MAPFRE

$3,289

Hanover

$3,341

The General

$3,363

MAPFRE

$3,483

Hanover

$3,512

Hanover

$3,568

The General

$3,580

MAPFRE

$3,611

MAPFRE

$3,611

The General

$3,704

The General

$3,704

Hanover

$3,735

Hanover

$3,787

MAPFRE

$3,792

MAPFRE

$3,792

MAPFRE

$3,805

Hanover

$3,843

MAPFRE

$3,986

Hanover

$4,010

The General

$4,010

The General

$4,010

The General

$4,227

The General

$4,227

Insurance Rates

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WHY FULL COVERAGE IS A GOOD IDEA

Most states only require liability insurance, while some also require PIP or UM/UIM. But in order to fully protect yourself, you should consider full coverage insurance, which at a minimum, includes liability, UM/UIM, and comprehensive and collision insurance coverage.

Car Insurance Add-Ons You May Want to Get

In many cases, opting for additional auto insurance coverage above and beyond liability insurance is a good idea. In many cases, these additional coverage types aren’t that expensive, adding only a few dollars to your monthly insurance bill.

They can provide extra peace of mind and save you a lot of money if you end up in an accident. Not all of these add-ons are available from all insurers, so you should ask your insurance company which ones you can add to your policy.

Car Insurance Add-Ons
Car Insurance Add-Ons
Description

Roadside Assistance

Roadside assistance helps drivers with fuel delivery, changing flat tires, jump-starting batteries, vehicle lockouts and more. If you have another roadside assistance provider, like AAA, you probably don’t need this type of coverage.

Gap Insurance

Once you drive your new car off the lot, it immediately depreciates. Gap insurance waives the difference between your auto insurance settlement and the outstanding balance on your auto loan in the event of a loss, which can help to ensure that you don’t still owe your lender money if your car is totaled.

Custom Parts Coverage

Custom parts coverage provides coverage if any custom equipment, such as special carpeting, bars, height-extending roofs, custom murals, decals or graphics, are damaged or destroyed by a comprehensive type loss.

PIP

Personal Injury Protection Coverage covers medical expenses regardless of who is at fault in an accident. In some cases, it may also cover lost wages. PIP is required in some, but not all, states.

Uninsured or Underinsured
Motorist

UM or UIM coverage helps you to pay for damages caused by a driver who doesn’t have car insurance. If you’re hurt or an uninsured or underinsured driver damages your car, this coverage will help pay for medical bills and repair costs up to your policy's limit.

Frequently Asked Questions

With many different coverage types, car insurance can sometimes be confusing. We cover some common questions surrounding car insurance to help you understand what you need.

About Margaret Wack


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Margaret Wack is a freelance writer who covers insurance, saving, investing, banking, and more. Margaret earned a bachelor's degree in classics, comparative literature, and poetry from Smith College and a master's degree from St. John's College.