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Find Out How to Save Hundreds by Comparing Car Insurance Quotes

Updated July 30th, 2022

If you want to save money for your car insurance bill every month, there is only one fast, easy, and free way to do it-quote from many companies and compare the rates they offer head-to-head. But with hundreds of car insurance companies out there, where did you even start? In our comprehensive guide below, we have undermined the average tariff from several Top State Insurance Operators and compiled a list of everything you need to know to start saving today.

In This Article

  • Compare the average car insurance rate with the company
  • See how the tariff is different according to the state
  • See the average rate for different driver profiles
  • Find the best insurance discounts
  • The easiest way to compare car insurance
  • Questions that are often asked

How Much Do Rates Change from Company to Company?

Almost every car insurance company out there has advertisements on TV or online about saving your money for car insurance, but how can you know which one really offers the cheapest rates? While tariffs can vary little from drivers to drivers, the same can be said for insurance companies.

In the table below, you will see the average national rate for 10 top insurance companies in the U.S.

Avg. Monthly Premium
State Farm $158
Allstate $199
Progressive $180
GEICO $185
Farmers Insurance $203
Travelers $167
American Family $140
Nationwide $170
Erie Insurance $153
AAA Auto Insurance $314

As you can see, tariffs can vary greatly from one company to the next. Companies such as American Family, Erie Insurance, and State Farm have the cheapest average rates, while the prices of other companies can be more than two times more expensive. That is why it is very important to compare car insurance rates.

But only seeing the average national does not have to paint the whole picture. Car insurance prices can vary drastically from person to person, and because there are no two drivers, only because one company has the cheapest average rates, it does not mean they will be the cheapest for you.

Insurance companies consider a variety of factors when calculating how much it costs for insurance, including things like age, sex, driving records, insurance history, where you live, and in some places, even your credit score. And without comparing quotes from many companies, there is no real way to find out which company will be the cheapest choice for your unique profile.

Continue to read to see the damage to how tariffs change by all different types of factors.

Your Coverage Level Vastly Changes How Much You’ll Pay

Liability Only Full Coverage
State Farm $99 $216
Allstate $108 $289
Progressive $111 $250
GEICO $101 $269
Farmers Insurance $126 $281
Travelers $108 $225
American Family $96 $185
Nationwide $112 $229
Erie Insurance $91 $215
AAA Auto Insurance $169 $459

Car insurance can look quite complicated, but that does not mean you have to be overwhelmed when you go to get offers and compare tariffs for car insurance. In the end, meanwhile it might seem like there are a million types of car insurance coverage out there, the two most commonly are the policies of “only responsibility” and “full coverage”.

Coverage of accountability is what is needed for all drivers in almost every state. With this type of coverage, you have insurance to cover the injury or damage to the property that you cause to the driver or other passengers in the wrong accident.

You will usually see this policy explained with a series of three numbers, such as 25/50/25. This illustrates the scope limit below your policy. For example, the 25/50/25 policy has an obligation to injury worth $ 25,000 per person, $ 50,000 of the joint body injury accountability for all people involved in the accident, and $ 25,000 property damage obligations. This means that if you cause an accident, your insurance operator will cover up damage to this amount, with anything above the limits that fall on you to pay your pocket.

The biggest disadvantage for car insurance policies “only accountability” is that they do not cover damage to your vehicle if you are guilty in a collision. To cover your vehicle, you will need what is often called “full coverage,” which includes collision coverage and comprehensive coverage besides body injury and the scope of property damage that you get with responsibility. With this type of policy, damage to your car, both from collisions, theft, brews-, or even “God’s actions,” will be borne by your insurance company after you pay deducted (which is usually between $ 500- $ 1,000).

So, you might ask how expensive it is to get full coverage. Looking back at the top 10 companies mentioned earlier, the difference is significant, with most companies charge more than double to step from the policy only accountability to those who have full scope.

But as you can see, the tariff is still very different in every company – another reason why comparing car insurance rates is very important.


Compare Rates for Liability vs. Full Coverage

How Do Rates Vary by State?

Did you know that the country where you live may be the most important factor in how much you can expect to pay for car insurance – sometimes even more than your driving record? Because car insurance is regulated at the state level, tariffs can vary drastically from one country to the next state. Continue to read to see how your country piled up compared to other countries.

U.S. State (Cheapest to Most Expensive) Avg. Monthly Premium
Idaho $48
Iowa $50
South Dakota $51
Maine $52
North Dakota $53
North Carolina $55
Wyoming $55
Wisconsin $55
Indiana $55
Vermont $57
Nebraska $57
Montana $58
Kansas $58
Ohio $59
Alabama $60
Arkansas $61
Tennessee $62
Missouri $62
Virginia $63
New Mexico $64
Hawaii $64
New Hampshire $65
Utah $65
Minnesota $66
Kentucky $67
Illinois $67
Oklahoma $69
Mississippi $69
Oregon $69
California $70
Arizona $70
South Carolina $71
West Virginia $71
Colorado $71
Alaska $73
Pennsylvania $73
Washington $74
Georgia $75
Texas $78
Nevada $82
Maryland $85
Connecticut $87
Massachusetts $88
Delaware $96
Rhode Island $96
Florida $99
Washington D.C. $99
Michigan $103
Louisiana $103
New York $103
New Jersey $106

In the table above, you will see the average price for accountability insurance for each state, ordered from the cheapest to the most expensive. As you can see, the difference can be very large. For example, if you live in New York or New Jersey, you can expect to pay almost twice the driver in Idaho or Iowa who might pay. Even two neighboring countries can have a large difference – the average tariff of North Carolina is almost 25% cheaper than South Carolina, for example.

So, if you plan to move across the state line, you will definitely want to take the time to compare car insurance. This can make a big difference in your monthly budget in your new home.


Find the Best Car Insurance Prices in Your State

See How Your Insurance Profile Affects Your Premiums

The two biggest factors that affect your car insurance rates unfortunately two you have no control over – how old you and your sex are assigned at birth. See how each affects your insurance rates in the table and writing below.

How Does Age Affect Your Rates?

18 year old 25 year old 65+ year old
State Farm $353 $142 $111
Allstate $448 $167 $152
Progressive $451 $142 $131
GEICO $369 $163 $148
Farmers Insurance $533 $155 $143
Travelers $353 $141 $132
American Family $311 $121 $107
Nationwide $380 $148 $125
Erie Insurance $315 $142 $116
AAA Auto Insurance $689 $276 $238

It might not be surprising that young drivers pay the most for car insurance from any age group. That’s because teenagers who lack the experience of a statistically more likely driving experience are far more likely to collide which causes car insurance claims.

As you can see above, the difference can sometimes be surprising. Seeing the top company, the 18-year-old driver pays an average of more than $ 400 a month for their car insurance. Fortunately, when you are 25 years old, your monthly rate is likely to plummet on average for children aged 25 years almost two and a half times less at $ 154 per month.

Drivers around retirement age tend to get the lowest level because of their decades of experience on the road. When you see these companies, in particular, 65 or more likely to pay around $ 135 every month for their car insurance.

What About Your Gender?

Male Female
State Farm $164 $152
Allstate $203 $194
Progressive $183 $178
GEICO $189 $181
Farmers Insurance $207 $200
Travelers $172 $161
American Family $143 $138
Nationwide $176 $164
Erie Insurance $158 $147
AAA Auto Insurance $331 $297

Gender is another factor that can play a role in how much you pay for car insurance. In general, men will pay a little more every month than women – this is because they are statistically more likely to cause a collision or get a ticket.

Usually, the difference is around 5% for most companies. This may not be big, but even a few dollars a month can add something significant during your policy.

How Much Will Your Rates Go Up After an Accident or Ticket?

It’s no secret that if you have an accident or get a ticket, your car insurance rates will most likely rise. But exactly how much increase?

Avg. Monthly Premium Cheapest Company
Clean Record $142 American Family – $118/mo.
1 Ticket $177 Erie – $137/mo.
1 Accident $202 American Family – $138/mo.
1 DUI $227 American Family – $158

Judging from the average level of the operator mentioned above, the ticket will be the most inexpensive sign of negative on your notes, with DUI causing the biggest tariff increase. On average, tickets will cause your tariff to increase by around 25%, while accidents after errors will cause an increase in the level of 40%. A single DUI fee is likely to cause your tariff for almost double.

So, which operators offer the best rates for drivers with spotty records? In general, American families have the cheapest rates for many drivers with points on their records, but Erie Insurance, State Farm, National, and Travelers all offer competitive tariffs.

In the end, the only way to find out for sure which company is the cheapest to compare car insurance rates. And don’t just be satisfied with the increase in tariffs after accidents, tickets, DUI, or other driving violations.

Following an incident like this is the right time to get around for insurance. In fact, many companies (often referred to as “non-standard” carriers) are specialized in car insurance policies for drivers with a record that is not ideal. Going with one of these companies instead of big names can save hundreds of you.


Looking for cheaper insurance after an accident or ticket? Compare tariffs and save

How to avoid an increase in insurance after getting a ticket or causing an accident

If you have just had an accident or get a ticket, you might be worried about the effect on your car insurance rates. This event can cause you to lose a good driver discount or stain your clean driving record. However, you can do some things to avoid seeing an increase in your insurance premium:

Ask about Amnesty accidents: offered by several insurance companies, extraordinary accidents insurance is when your insurance company will delete accidents in errors from your notes when calculating your insurance rates. You can only use it every few years, so do it wisely.
Increase your reduction: If your insurance rates increase, you can reduce it again by increasing your reduction. Although it can be deducted a higher one can save your money on your monthly premium, make sure you can pay it if you have to submit a claim. If you are not sure how much you will save by increasing your Deductible, use Compare.com to play with several numbers to see how much you will save.
Take Defensive Driving Class: Defensive driving class may not be a fun idea, but can help you get discounts on your insurance premium. Ask your insurance company about Defensive Driving Classes approved by the state which states will help you meet the requirements.
Ask another discount: Ask your insurance company about additional discounts that apply to your situation. For example, if you drive less than the national average (12,000 miles), you might meet the requirements for use-based discounts.
Shopping and comparing rates: insurance shopping after tickets or accidents can help you find cheaper rates with other insurance companies. They might offer a discount rate for certain coverage or allow you to only pay the insurance you need.
Does your credit score impact on your car insurance rates?

You may already be aware that things like driving your notes play a big role in how much you pay for car insurance, but do you know that many car insurance companies see your credit score to determine your rates?

You might ask, “What is the relationship between my credit score and car insurance?” Operators argue that your credit score has a direct impact on your overall risk, and the more risks by the company to insure you, the more they will pay for your policy. They say that drivers with bad credit tend to pay their car insurance bills on time and are more likely to submit claims, which means they will gather you extra to a policy.

Like it or not, this is a case in many situations. However, some states – such as California, Massachusetts, Michigan, and several others – have banned the use of credit scores as a ranking factor. There are also some companies that do not see credit scores, wherever you live, including root insurance, metromile, and others.

So, what exactly is your credit score affect your monthly bill? Let’s check some rates on average:

Avg. Monthly Premium Cheapest Company
Excellent Credit $124 State Farm – $80/mo.
Good Credit $150 State Farm – $105/mo.
Fair Credit $181 American Family – $141/mo.
Poor Credit $268 American Family – $201/mo.

As you can see, your credit score can have a far greater impact than you think. Seeing the average tariff, drivers with “bad” credit can expect to pay more than twice the person who has a “extraordinary” credit score.

By remembering that, you might ask which company is the cheapest choice for drivers with various credit scores. In general, state farm has a better level for drivers with a higher credit score, while American families offer the cheapest average rates for drivers with low credit scores.

But that does not mean you have to go straight to the company at the lowest level. Because some companies do not use credit scores at all, drivers with bad credit may be better elsewhere. Once again, the only way to find out that you get the best tariff is to get offers from many companies.

Find the Cheapest Rate for You in Minutes

How Much You Drive Also Plays a Big Role in How Much You Pay

 

6,000 Miles/Year 12,000 Miles/Year
State Farm $151 $164
Allstate $197 $200
Progressive $180 $180
GEICO $181 $189
Farmers Insurance $203 $203
Travelers $164 $169
American Family $138 $143
Nationwide $170 $171
Erie Insurance $147 $158
AAA Auto Insurance $307 $320

As you can see, your credit score can have a far greater impact than you think. Seeing the average tariff, drivers with “bad” credit can expect to pay more than two people who have a “extraordinary” credit score.

By remembering that, you might ask which company is the cheapest choice for drivers with various credit scores. In general, state farm has a better level for drivers with a higher credit score, while American families offer the cheapest average rates for drivers with low credit scores.

But that does not mean you have to go straight to the company at the lowest level. Because some companies do not use credit scores at all, drivers with bad credit may be better elsewhere. Once again, the only way to find out that you get the best tariff is to get offers from many companies.


Find Out if a Pay-Per-Mile Policy is Right for You

Where You Live Matters, Too

We already talked about how the state you live in can have a big impact on your car insurance rates, but the actual area you call home also can make a difference.

Avg. Monthly Premium Cheapest Company
Urban ZIP $213 American Family – $166/mo.
Suburban ZIP $176 American Family – $134/mo.
Rural ZIP $151 Erie – $115/mo.

As you can see, your credit score can have a far greater impact than you think. Seeing the average tariff, drivers with “bad” credit can expect to pay more than two people who have a “extraordinary” credit score.

By remembering that, you might ask which company is the cheapest choice for drivers with various credit scores. In general, state farm has a better level for drivers with a higher credit score, while American families offer the cheapest average rates for drivers with low credit scores.

But that does not mean you have to go straight to the company at the lowest level. Because some companies do not use credit scores at all, drivers with bad credit may be better elsewhere. Once again, the only way to find out that you get the best tariff is to get offers from many companies.


Compare Some of the Most Common Car Insurance Discounts

Everyone wants to save money on their car insurance, but usually not that simple. You may have seen advertisements from insurance companies that offer discounts for safe drivers, good students, or a number of other things. But which company offers the most discounts? Or, more importantly, which one meets the requirements?

Companies such as American Family, Liberty Mutual, Geico, and several others are known for offering the most discounts, but unfortunately, each company offers different. And many of them are not even advertised, which can make all the discounts you have the right to be difficult.

Fortunately, there are several discounts offered by most companies (although they can be called a slightly different name):

  • Safe driver discounts: For drivers who have stellar driving records and haven’t filed a claim in a certain amount of time (usually 3-5 years)
  • Vehicle safety discounts: For people who drive cars with extra safety features like anti-lock brakes, airbags, and other options
  • Pay-in-full discounts: For policyholders who choose to pay for their entire 6- or 12-month policy upfront
  • Multi-policy discounts: For drivers who use the same company for both their home insurance policy with their auto insurance
  • Multi-car discounts: For customers who insure more than one vehicle on the same policy
  • Defensive driving discounts: For drivers who elect to take a defensive driving course from an accredited school or institution (but court-mandated classes usually don’t count)

Some other common discounts include savings for good students, new customers, anti-theft features, and many more.

At the end of the day, the only way to take advantage of all the discounts you’re eligible for is by using a site like Compare.com to compare quotes. We factor in all the discounts into the prices offered by our partners so that you can save as much money as possible.

What You Need to Compare Car Insurance Quotes Online

Want to get cheap car insurance? The best way to get more affordable rates is by comparing auto insurance quotes. But what do you need to get started and how long does the process take?

Luckily, comparison sites like Compare.com bring the car insurance companies to you, drastically reducing the time it takes to get quotes from multiple companies. Here’s what you need to get started comparing quotes:

  1. Driver information: Names, birthdays, and addresses of every driver on your policy
  2. Vehicle information: Your car’s year, make, model, and vehicle identification number
  3. Insurance information: Your current company, your policy’s expiration date (but remember, you can cancel any time, regardless of when your policy officially expires), and the day you’d like your new policy to start
  4. Payment information: Bank account info or credit card number

Once you’ve collected all of the above information, head over to a comparison site like Compare.com and start comparing quotes. You’ll be asked a few questions based on the info above and in less than 10 minutes, you’ll have real, accurate car insurance quotes from some of the nation’s best insurance companies.

And if you find a policy you like, it only takes another few minutes to sign up, enter your payment info, and get proper coverage. Who knew getting car insurance could be so easy?

What’s the Best Place to Compare Auto Insurance Quotes?

There are a lot of sites out there these days offering to save you money on car insurance. Some even say they’ll help you compare rates from several companies at once, but not all car insurance comparison sites are equal.

Many sites offering to compare car insurance don’t show actual rates and are actually just lead generation sites that sell ads from insurance companies. Others will show you rates, but you’ll sometimes get bombarded with phone calls from the insurance companies that they pass your information on to.

It can sometimes seem like the sites out there that advertise as tools to compare auto insurance quotes are just a scam. But some sites, like Compare.com, are legit. With Compare.com, you get real rates from real companies. Keep reading to see why Compare.com is the best place to compare car insurance.

Compare Car Insurance Rates Instantly with Compare.com

Compare.com is the first comparison site in the United States to have direct integrations with auto insurance carriers. That means you get real rates in real-time, not just ads.

These days, Compare.com works with more than 65 top insurance companies, which means that when you get a quote, you know you’re getting the best price. And unlike some other sites, Compare.com asks the right questions, which means the quotes you receive are accurate, not just ballpark estimates.

Compare.com users save an average of $720 a year on their car insurance policies. And the process only takes 10 minutes. So, what are you waiting for?

The Best Way To Get Car Insurance Quotes in 2022

Want to weigh your options and compare auto insurance quotes? Here’s how you do it:

number 1

Start with a Comparison Site like Compare.com

Instead of spending all day hopping from website to website, head over to Compare.com, where we bring the insurance companies to you.

number 2

Gather Up a Few Things You’ll Need

Grab a few pieces of information about yourself and any other drivers on your policy, including personal info (like dates of birth and addresses), driving records, insurance history, and vehicle info.

number 3

Understand Your Car Insurance Needs

Find out your state’s minimum insurance limits, get an idea of if you need a basic liability policy or full coverage, and brush up on the most common car insurance terms.

number 4

Find the Policy That’s Best for You & Start Saving

Hop onto Compare.com, answer a few basic questions, and watch the quotes start rolling in. From here, pick the one that best fits your needs and head over to their site to finish signing up. Who knew saving on car insurance could be that easy?

Auto Insurance FAQs

Why is comparing car insurance important?

There’s not one company that offers the cheapest prices for everyone. Since your car insurance rates are based on things like your age, gender, driving record, insurance history, and more, the quotes you get can vary quite a bit from company to company. The only way to know you’re getting the best price is by comparing auto insurance rates from multiple companies.

Which comparison site is best for car insurance?

Compare.com is the first U.S.-based car insurance comparison tool to offer real-time integrations with top insurance companies. That means the quotes you get on Compare.com are real, accurate, and most importantly, cheap. Compare.com brings the insurance companies to you, saving you time and money, with the average customer saving $720 a year on their auto insurance policy.

How do I compare car insurance online?

Comparing car insurance is easier than you might think. You don’t have to go from website to website, answering the same questions over and over to get quotes from each company. With comparison sites like Compare.com, you simply answer a few questions about you, your vehicle, and your insurance history, and you’ll get quotes from dozens of companies in less than 10 minutes.

Who is the best car insurance company?

There’s no one company that’s “best” for every driver. That’s because each company calculates rates differently. Some companies specialize in drivers with perfect records, others try to help customers who have poor credit or bad driving records. At the end of the day, the only way to find out which company is best for you is to compare quotes from multiple companies.

Do websites that compare car insurance quotes such as Compare.com, The Zebra, or Insurify, sell their customers’ data to other companies?

Some companies offer the ability to compare quotes, but are really just lead generation sites that sell your information to insurance companies and other partners, but Compare.com takes your personal information seriously. We don’t sell user data and only pass along information to our partners if it means helping you get more accurate, cheaper quotes for car insurance. You won’t be getting spam from us.

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