Compare Car Insurance Rates | February 2024

Shopping for car insurance? Comparing car insurance rates can help you find the best price.
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Drew Gula
By Drew Gula 
Updated
Edited by Ben Moore

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Car insurance prices are going up for drivers nationwide. And many of the reasons why are out of your control, like the increasing number of fatal car accidents

National Highway Traffic Safety Administration. Early Estimate of Motor Vehicle Traffic Fatalities in 2022. Accessed Dec 18, 2023.
on the road or the frequency of natural disasters and their impact on auto insurance claims. But you can minimize the impact on your bank account if you compare car insurance rates to find a policy that best fits your budget.

Comparing car insurance rates is the best way to ensure you’re getting the best price on something you’re probably required to have. But while most insurers look at the same factors to determine pricing, each one has its own “secret sauce” when it comes to setting rates. That's why two companies can charge wildly different rates for the same driver.

If your auto insurance rates recently went up, you're not alone — premiums are on the rise across the country. Compare car insurance quotes from multiple insurers to make sure your next rate is the lowest possible.

Compare car insurance rates by age

It’s hard to determine which factors have the most impact on your car insurance rate because each company weighs those factors differently. We can tell you what most of those ingredients are, but there’s no way to know which is the most important with a particular insurer.

So, to help you find the best price for the insurance you want, we can show you average annual rates for minimum and full coverage car insurance. To narrow it down even further, we've collected average rates for drivers with various driving experiences and credit histories in every state and for every major auto insurance company.

Your age can have a big impact on your car insurance rate. For example, you might already know teen drivers have some of the highest car insurance rates on average, but they aren’t the only ones. Although your rates will likely decrease once you hit your thirties, most drivers tend to see higher rates once they reach their 70s.

Below are the average costs of full and minimum coverage, by age, for drivers with good credit and a clean driving history.

Age

Average cost of full coverage

Average cost of minimum coverage

20

$4,110

$1,174

30

$2,039

$563

35

$1,982

$549

40

$1,928

$538

50

$1,794

$510

60

$1,713

$500

70

$1,852

$564

Car insurance rates by age

NerdWallet has written car insurance guides for several age groups, including teens and seniors. For more information, check out our articles below:

Compare car insurance rates for 20-year-olds

Drivers around the age of 20 typically get higher car insurance rates because they are more likely to get into accidents than older drivers, on average. NerdWallet recommends comparing auto insurance rates to find the cheapest option available, even if it may not be as affordable as other age groups.

To get more insight into how your age affects your car insurance, we compiled average annual rates from nine of the 10 largest private passenger auto insurers in the country based on market share data from the National Association of Insurance Commissioners. Data for Liberty Mutual wasn't available.

Average annual rate for 20-year-olds, by company

Rates vary from company to company. For example, full coverage from State Farm for a 20-year-old costs $4,452 a year, on average, while the average price from Allstate is $6,358.

Dive deeper below by comparing annual rates for 20-year-olds by state. Rates are averaged across the country separately for full and minimum coverage.

Company

Full coverage

Minimum coverage

$6,358

$1,283

$3,732

$1,421

$6,950

$2,109

$3,375

$951

$5,252

$1,851

$3,922

$1,076

$4,452

$1,202

$3,959

$1,086

$2,971

$737

*USAA is only available to military, veterans and their families.

Average annual rate for 20-year-olds, by state

Average car insurance rates for a 20-year-old driver vary significantly from state to state. Some states, like Hawaii and North Carolina, have average rates under $2,000 a year for full coverage. In other states, such as Connecticut and Rhode Island, car insurance costs more than $7,000 a year, on average, for the same driver.

See how your state stacks up below.

State

Full coverage

Minimum coverage

$4,285

$1,059

$3,324

$862

$4,740

$1,534

$4,484

$1,140

$2,975

$824

$5,773

$1,596

$7,214

$2,957

$6,293

$2,518

$7,056

$1,796

$5,452

$1,634

$1,889

$537

$3,165

$828

$4,412

$1,273

$3,990

$1,165

$3,350

$642

$4,465

$1,175

$7,061

$1,999

$7,296

$1,960

$3,437

$1,098

$5,327

$2,151

$3,241

$969

$4,881

$1,328

$3,534

$1,040

$4,654

$1,318

$4,867

$1,332

$5,315

$971

$3,023

$714

$5,865

$2,083

$3,683

$1,015

$5,649

$2,023

$4,202

$1,018

$4,205

$1,661

$1,689

$558

$4,350

$1,082

$2,984

$934

$4,571

$1,185

$3,815

$1,736

$4,160

$960

$7,834

$2,649

$4,711

$1,509

$3,639

$694

$4,209

$1,113

$6,395

$2,008

$3,930

$1,591

$3,365

$956

$3,813

$1,415

$4,005

$1,470

$4,534

$1,863

$4,172

$1,280

$3,428

$890

$3,260

$483

Compare auto insurance rates for 35-year-olds

Because drivers around the age of 35 get in fewer accidents than younger drivers, they typically can get lower car insurance rates than 20-somethings.

Average annual rate for 35-year-olds, by company

Aside from USAA (which is only available to military, veterans and their families), Travelers provides the lowest price for full coverage for 35-year-olds, at $1,681, on average.

Farmers comes in the highest at $3,106, on average.

The chart below compares national average annual car insurance rates for 35-year-olds by company. Keep in mind that not all of these companies are available in every state.

Company

Full coverage

Minimum coverage

$2,665

$656

$1,791

$687

$3,106

$938

$1,846

$491

$2,279

$785

$2,112

$590

$1,976

$471

$1,681

$520

$1,432

$362

*USAA is only available to military, veterans and their families.

Average annual rate for 35-year-olds, by state

While average car insurance rates fluctuate by state, 35-year-olds in several states — including Massachusetts, Ohio and Wyoming — can pay less than $1,500 a year, on average, for full coverage policies. Similar drivers in Louisiana and Rhode Island could pay over $3,000 a year for full coverage, on average.

Florida is the only state that has rates higher than $3,700 a year for 35-year-old drivers with full coverage car insurance.

See how your state stacks up below.

State

Full coverage

Minimum coverage

$1,957

$450

$1,776

$363

$2,360

$744

$2,095

$494

$1,660

$464

$2,670

$614

$2,916

$1,214

$2,330

$1,006

$3,797

$1,065

$2,521

$724

$1,889

$537

$1,361

$329

$1,927

$539

$1,731

$496

$1,676

$274

$2,412

$621

$2,965

$801

$3,608

$876

$1,407

$452

$2,409

$1,022

$1,348

$430

$2,496

$626

$1,872

$552

$2,118

$590

$2,325

$597

$2,185

$415

$1,691

$335

$2,603

$944

$1,406

$403

$2,479

$1,052

$2,030

$474

$2,209

$853

$1,597

$502

$2,329

$540

$1,380

$408

$2,261

$532

$1,874

$854

$2,063

$452

$3,341

$1,189

$2,291

$739

$1,838

$301

$1,958

$467

$2,966

$874

$1,795

$731

$1,251

$380

$1,787

$657

$1,723

$593

$2,336

$1,165

$2,036

$580

$1,817

$437

$1,069

$191

Compare car insurance rates by driver history

Insurance companies pay close attention to a variety of factors when determining rates. We’ve analyzed rates for a few of the most common driver "profiles" to give you an idea of how much insurance might cost for each one.

Use these links to compare car insurance rates for specific driver histories:

Compare car insurance rates for drivers with a DUI

After a DUI, your auto insurance rate will go up — in some cases, it could even double. But one thing you can control is your choice of insurance company. A DUI can affect car insurance rates for 3 to 10 years, so it’s a good idea to shop around for the best price after getting a DUI.

🤓Nerdy Tip

If you have a DUI, you may be required to submit an SR-22 form, depending on your state’s requirements. Insurers can typically file an SR-22 form for you. However, some companies drop drivers who have a recent DUI or other serious offense.

Average annual rate for drivers with a DUI, by company

Below you can compare average car insurance rates from different companies for 35-year-olds before and after a DUI. Keep in mind that not all of these options are available in every state.

Company

Drivers with a clean record

Drivers with a DUI

$2,665

$3,939

$1,791

$2,433

$3,106

$6,268

$1,846

$4,420

$2,279

$4,834

$2,112

$2,645

$1,976

$2,940

$1,681

$2,950

$1,432

$2,621

*USAA is only available to military, veterans and their families.

Average annual rate for drivers with a DUI, by state

In Florida, the average insurance cost for drivers with a recent DUI is 32% higher, on average, than for similar drivers with no incidents — $1,213 more a year. However, a DUI in North Carolina almost quadrupled average rates in our analysis, adding more than $4,700 to the annual cost of full coverage car insurance for 35-year-old drivers.

See below for how your state measures up.

State

Drivers with a clean record

Drivers with a DUI

$1,957

$3,519

$1,776

$2,881

$2,360

$3,840

$2,095

$3,216

$1,660

$4,126

$2,670

$4,302

$2,916

$5,496

$2,330

$4,523

$3,797

$5,010

$2,521

$3,986

$1,889

$3,775

$1,361

$2,630

$1,927

$3,584

$1,731

$3,682

$1,676

$2,834

$2,412

$3,813

$2,965

$5,112

$3,608

$5,150

$1,407

$2,804

$2,409

$4,110

$1,348

$2,479

$2,496

$7,041

$1,872

$3,246

$2,118

$3,468

$2,325

$3,618

$2,185

$4,079

$1,691

$2,728

$2,603

$4,432

$1,406

$2,363

$2,479

$6,007

$2,030

$3,224

$2,209

$3,968

$1,597

$6,351

$2,329

$4,260

$1,380

$2,844

$2,261

$3,571

$1,874

$3,367

$2,063

$3,361

$3,341

$5,235

$2,291

$3,716

$1,838

$3,238

$1,958

$3,699

$2,966

$4,730

$1,795

$3,398

$1,251

$3,092

$1,787

$3,043

$1,723

$2,923

$2,336

$4,754

$2,036

$3,848

$1,817

$2,844

$1,069

$2,684

While your car insurance rate will almost always increase after a DUI, it’s clear that the amount it increases will depend partially on where you live.

Compare auto insurance rates for drivers with poor credit

Your credit history is one of the largest factors affecting your car insurance rate. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.) Carriers use credit history to determine how likely you are to file a claim.

Average annual rate for drivers with poor credit, by company

While rates may double for some drivers with poor credit, know that every company considers credit differently. An insurance company may evaluate your credit differently depending on which state you live in.

Drivers with poor credit insured by Geico or Nationwide could pay less than 40% more a year, on average, compared with similar drivers with good credit. Meanwhile, State Farm’s average price for full coverage more than triples for drivers with poor credit compared with those with good credit.

Below you can compare average full coverage rates for 35-year-old drivers with poor credit by company.

Company

Drivers with good credit

Drivers with poor credit

$2,665

$4,044

$1,791

$3,076

$3,106

$6,478

$1,846

$2,566

$2,279

$3,147

$2,112

$3,548

$1,976

$7,289

$1,681

$3,061

$1,432

$2,650

*USAA is only available to military, veterans and their families.

Average annual rate for drivers with poor credit, by state

Certain states prohibit the use of credit in setting car insurance rates, and how insurers treat credit differs from state to state. For example, state regulators in one state may allow more wiggle room for credit-based pricing than others, which leads to variations by state as well as by company.

Our analysis revealed that:

  • In Connecticut, a driver with poor credit pays about 10% more than one with good credit, on average.

  • Having poor credit in either Arkansas or Maryland raises the average insurance rate more than 60% compared with drivers with good credit.

  • Average rates for those with poor credit in New Jersey or Wyoming were more than 100% higher than average rates for drivers with good credit.

Below you can compare average full coverage rates for 35-year-old drivers with poor credit by state.

State

Drivers with good credit

Drivers with poor credit

$1,957

$3,532

$1,776

$2,566

$2,360

$3,606

$2,095

$3,464

$1,660*

$2,670

$4,492

$2,916

$3,199

$2,330

$4,285

$3,797

$5,987

$2,521

$3,764

$1,889*

$1,361

$2,258

$1,927

$3,163

$1,731

$3,056

$1,676

$2,892

$2,412

$4,057

$2,965

$5,318

$3,608

$5,657

$1,407

$2,167

$2,409

$3,979

$1,348*

$2,496

$4,888

$1,872

$3,532

$2,118

$3,431

$2,325

$3,770

$2,185

$3,944

$1,691

$2,702

$2,603

$4,570

$1,406

$2,242

$2,479

$5,222

$2,030

$3,207

$2,209

$3,965

$1,597

$2,274

$2,329

$3,001

$1,380

$2,432

$2,261

$3,653

$1,874

$2,968

$2,063

$3,614

$3,341

$5,072

$2,291

$4,117

$1,838

$3,355

$1,958

$3,135

$2,966

$5,221

$1,795

$3,083

$1,251

$2,191

$1,787

$3,008

$1,723

$2,114

$2,336

$3,927

$2,036

$3,265

$1,817

$2,779

$1,069

$2,576

*The amount shown is the average full coverage rate for 35-year-old drivers. Credit is not used to price rates in this state.

California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates. In Washington, the legal code around this issue is being debated.

Compare car insurance rates for drivers with an accident

Your driving history can affect auto insurance rates in different ways from one company to another. It’s a good idea to compare how each insurer’s car insurance rates stack up against the rest if you have a recent accident.

🤓Nerdy Tip

If you have an on-record accident, make sure to compare auto insurance rates one, three and five years after the date of the incident to continue to get the best and cheapest rate possible.

Average annual rate for drivers with an accident, by company

Comparing auto insurance rates after a crash shows how differently insurers treat accidents. For example, rates for car insurance from State Farm are less than 30% higher on average for drivers with an at-fault accident compared with a driver with a clean record. Meanwhile, our data shows rates for Geico and Farmers are close to 60% higher on average for drivers with a recent crash compared with our base profile.

Below you can compare average full coverage rates for 35-year-old drivers with a recent at-fault accident by company.

Company

Drivers with a clean record

Drivers with a recent at-fault accident

$2,665

$4,084

$1,791

$2,642

$3,106

$5,210

$1,846

$3,112

$2,279

$3,687

$2,112

$3,005

$1,976

$2,488

$1,681

$2,376

$1,432

$2,041

*USAA is only available to military, veterans and their families.

Average annual rate for drivers with an accident, by state

State regulators set limits on how much a company can increase your car insurance rates after a crash. Let’s say you caused an accident that resulted in $10,000 worth of damage. In some states, that could cause average annual rates to spike by $1,600 or more, while in other states the increase is far less.

For example, drivers in Rhode Island with full coverage policies and one recent at-fault accident paid $74 more per year, on average, than drivers with no accidents, which is just a 2% increase. Meanwhile, drivers in Utah paid $1,106 more per year, on average, after causing an accident than incident-free drivers, which is a 62% increase.

Here are the average full coverage rates for 35-year-old drivers with a recent at-fault accident by state:

State

Drivers with a clean record

Drivers with a recent at-fault accident

$1,957

$3,153

$1,776

$2,472

$2,360

$3,593

$2,095

$3,168

$1,660

$2,856

$2,670

$3,799

$2,916

$4,303

$2,330

$3,148

$3,797

$5,555

$2,521

$3,902

$1,889

$2,396

$1,361

$2,138

$1,927

$2,815

$1,731

$2,484

$1,676

$2,340

$2,412

$3,334

$2,965

$4,121

$3,608

$5,190

$1,407

$2,120

$2,409

$3,775

$1,348

$2,208

$2,496

$3,424

$1,872

$2,790

$2,118

$3,325

$2,325

$3,052

$2,185

$3,835

$1,691

$2,379

$2,603

$4,114

$1,406

$2,043

$2,479

$3,713

$2,030

$2,948

$2,209

$3,159

$1,597

$2,490

$2,329

$3,001

$1,380

$1,963

$2,261

$3,189

$1,874

$2,808

$2,063

$3,059

$3,341

$3,415

$2,291

$3,142

$1,838

$2,698

$1,958

$3,091

$2,966

$4,730

$1,795

$2,901

$1,251

$1,813

$1,787

$2,708

$1,723

$2,432

$2,336

$3,630

$2,036

$2,736

$1,817

$2,337

$1,069

$1,901

Your rates will probably increase after an at-fault accident, so be sure to include the accident when you compare car insurance rates.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Our data analysts take stringent measures to eradicate outliers and inaccuracies in pricing data, including rates from every location in the country where coverage and data are available, so you can rely on the prices we present. When comparing car insurance rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our .

How to compare car insurance rates

First, every car insurance quote you receive should be free — whether it’s from Geico, Farmers or a small insurer you’ve never heard of. Some auto insurers require a down payment to start your policy, but whether you’re comparing car insurance rates online or with an agent, a simple estimate should always be free of charge.

You’ll likely see the terms “quote,” “rate” and “premium” used to describe how much you’ll pay for car insurance.

A quote is an estimated price based on information you provide, like your age and driving history; you can get them online, over the phone or through an agent.

A rate is the adjusted price you get after an insurer uses their top-secret pricing model to personalize your policy.

A premium is the actual price you’ll pay for a policy.

1. Gather your information

To quickly and easily compare car insurance online, you should have the following on hand:

Personal information, which includes the address, date of birth, occupation, driver’s license and marital status of everyone you want included on the policy.

Vehicle information, including the mileage, date of purchase and vehicle identification number (VIN) for each car. If you haven’t purchased the car yet, have mileage, make, model and year handy.

Driving history, including all claims, violations and tickets you’ve had over the past five years, plus any completed driving courses.

Current or previous insurer’s name for anyone on the policy or in your household. Some insurers won’t cover you without some coverage history, and if you want to exclude anyone living with you from the policy, you’ll need to prove they’re covered elsewhere.

2. Choose the right liability car insurance coverage levels

Auto insurance is financial protection, not just for the investment you made when you bought or leased your car. After a really serious accident, bills for property damage and injuries can easily reach into hundreds of thousands of dollars.

National Safety Council. Costs of Motor-Vehicle Injuries. Accessed Dec 18, 2023.
If you happen to cause this kind of wreck, the victims could sue you. And in that situation, assets such as your savings and even your home could be seized.

Liability auto insurance protects you from that worst-case scenario by providing a cushion between your assets and the amount you’re on the hook for. That’s why choosing the right liability limits is the most important part of a car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.

🤓Nerdy Tip

You may not know your net worth off the top of your head, and that's actually pretty common. NerdWallet's net worth calculator can help you figure it out.

But liability coverage levels come in threes — you’ll probably see something like 50/100/50 or 250/500/250 included in most policies. You can think of these limits as individual injuries/total injuries/property damage. (Insurers are a little more technical with the names, calling them bodily injury liability/total bodily injury liability/physical damage liability.)

Liability insurance comes in thousand-dollar increments, so when you choose an auto insurance policy with 100/300/100 limits, you’ll be choosing:

  • $100,000 for bodily injuries per person in a crash that you caused.

  • $300,000 total for all bodily injuries in a crash that you caused.

  • $100,000 for damage to any property in a crash that you caused, including cars, buildings and objects like mailboxes and lampposts.

🤓Nerdy Tip

When choosing liability car insurance coverage, make sure the middle number is equal to or greater than the value of your net worth. This should also be the highest number in your policy’s coverage limits.

Understand car insurance requirements in your state

Any car insurance comparison tool you use should have your state’s minimum car insurance requirements pre-loaded into its options. In certain states, you may be required to have a car insurance policy that includes personal injury protection (PIP), medical payments coverage (MedPay) or uninsured/underinsured motorist coverage — or two of the three. If you have MedPay you don’t need PIP, and vice versa.

States requiring PIP or MedPay are generally referred to as “no-fault” states. This means that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Then, the at-fault driver’s liability insurance will kick in to cover any expenses beyond the PIP or MedPay limit.

3. Decide if you need full coverage car insurance

Liability coverage doesn’t pay for your car or injuries — or for any injuries your passengers sustain — if you cause a wreck. This is why you may want “full coverage” car insurance, especially if your car isn’t paid off.

However, full coverage insurance isn’t actually a type of coverage. It typically refers to policies that include liability coverage plus comprehensive and collision coverage.

In other words, you can’t just click a “full coverage” button when comparing car insurance quotes online or buy something called a full coverage auto insurance policy. You’ll need to add collision and comprehensive coverage in the amounts you want, which will also increase the amount you’ll pay.

If you add collision or comprehensive coverage to your policy, you’ll choose deductible amounts for each. These deductibles are amounts you will pay out of pocket for each claim you make, similar to a deductible when you go to a doctor’s office or pick up a pharmacy prescription. (The difference is they tend to be significantly higher than either of those examples.)

Collision insurance pays for:

  1. Damage to your car in an accident you cause.

  2. Damage to your car if you hit an object such as a fence or pole.

  3. Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.

Comprehensive insurance pays for the value of your car if it’s stolen and not recovered, and damage from:

  1. Weather such as tornadoes or hail.

  2. Floods.

  3. Fire.

  4. Falling objects.

  5. Explosions.

  6. Crashes with an animal, such as striking a deer.

  7. Riots and civil disturbances.

4. Collect and compare car insurance quotes

You’ll want to get car insurance quotes from at least two or three companies. If you want to be sure you’re getting a good deal, consider comparing insurance quotes from regional companies as well as the big companies such as Allstate, Progressive and State Farm.

To make sure you’re getting comparable auto insurance quotes, each should include:

  1. The same levels of liability and uninsured/underinsured motorist protection.

  2. The same deductibles for collision and comprehensive coverage, if you’re buying them.

  3. The same drivers and cars.

  4. All discounts you’re eligible for (most insurers list discounts on their websites).

🤓Nerdy Tip

No matter what coverage you choose, compare the same types and amounts of coverage from each company so you can find the best price for what you need.

How to choose an insurance company

Let’s assume you've compared car insurance rates and found the cheapest companies for you. But before you buy a policy, you'll want to consider a few other factors besides price.

The best car insurance companies offer more than just affordable rates. They also provide reliable and helpful customer service as well as a simple way to update your policy or file a claim.

Here are a few things to check before you buy a car insurance policy:

  • Confirm your insurer has any extras you're looking for, like a mobile app or accident forgiveness.

  • Check a company’s financial strength to ensure it can pay out your claim if you need to file one. You can find a carrier’s financial strength using a rating firm like AM Best.

  • Look at customer complaint records on the National Association of Insurance Commissioners' site.

Compare car insurance companies

You can use NerdWallet's reviews to compare car insurance companies and find the best fit for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and other key factors for all of the country's top auto insurance companies. We also researched many smaller, regional insurers.

Frequently asked questions

Comparing auto insurance quotes is the best way to ensure that you’re getting the most for your money. Auto insurance companies look at similar factors but weigh them differently, so you’ll get differing quotes from each.

We recommend you shop around and compare car insurance rates for car insurance about once a year — this is your best bet at getting the cheapest rate. If you’ve been in a recent at-fault accident, received a speeding ticket or are about to move out of state, shop around again.

Yes, buying car insurance online can be easier and more convenient than buying in person from an agent. Most major insurance companies offer online quotes and let you adjust your policy details to see different prices. Remember to use a car insurance price comparison tool to shop around and compare rates from at least three insurers before buying a car insurance policy.

It depends. Some states — California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania and Michigan — have banned the practice of calculating auto insurance rates based on a person’s gender. But in other states, women may pay more, on average, for car insurance compared with men with similar driving records. For young adults, the trend is flipped — young men tend to pay more than young women.

But switching companies can wipe out that price difference, so your best bet is to shop around to find the cheapest insurance rate you can.

The average cost for auto insurance is $1,982 annually, or about $165 a month, according to NerdWallet’s 2024 rates analysis. However, your car insurance premium will vary based on factors like location and age.

Oftentimes, yes. Most insurers offer discounts for customers that bundle home and auto insurance, while others offer a separate discount just for being a homeowner. Bundling policies might also make it easier for you to keep track of your coverage and claims.

Combining policies is usually best reserved for drivers with a solid driving history. If you have multiple traffic violations, poor credit or other negative marks on your driving record, you might be better off shopping for auto insurance and homeowners insurance from separate companies.

Many auto insurance companies offer rideshare insurance as an add-on to your current policy. Prices vary by company, so you’ll need to contact your insurer to find out how it will affect your premium. If your insurer doesn’t offer rideshare coverage, your best bet is to switch to one that does and stay properly covered.

If you’re unable to get rideshare insurance in your state, you may need to purchase a commercial insurance policy to ensure that you have the full coverage required.

While it may come as a surprise, one of the largest factors affecting your car insurance costs will be something you wouldn’t change just for cheaper car insurance — where you live. However, it does have a very big impact and should be part of financial planning if you move. For that reason, it’s good to do a car insurance quote comparison anytime you move, even within the same state.

Methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in all of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are median rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2021 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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