Compare Car Insurance Rates

The NerdWallet guide to finding the best car insurance rate

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NerdWalletNov 16, 2021

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Comparison shopping is crucial if you want to save money on car insurance. Here’s why: Insurers look at similar factors, but they have their own “secret sauce” when it comes to setting rates. So two companies can charge wildly different rates for the same driver.

Auto insurance prices tend to inch up over time, but they can also go down. By shopping around, you might find that your current insurer offers the cheapest rate for you, or you might find that it’s time to switch.

Several factors go into an auto insurance rate: ZIP code, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history could also be used to determine rates.

That’s why every year, NerdWallet analyzes car insurance rates for men and women with various driving and credit histories, in every state and for every major auto insurance company, so you can compare auto insurance rates with ease and get the cheapest price for you.

Table of contents

Compare car insurance rates

Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation, or emphasizes a clean driving history more than others.

But to help you get going, we can show you average annual rates for minimum and full coverage car insurance by state and by company, from many of the largest insurers in each state. 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.

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Compare car insurance rates by age

Your driving history isn’t the only factor carriers look at when calculating your car insurance rate. Your age can have a big effect on what you pay. For example, you likely know teen drivers have some of the highest car insurance rates on average, but they aren’t the only ones. Drivers 75 years and older tend to have higher car insurance rates than most age groups, after teens and 20-somethings.

To get more insight, 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.

Compare minimum and full coverage rates for 25-year-olds

Drivers around the age of 25 typically get higher car insurance rates because as a group they get into more accidents on average than older drivers.

Rates vary from company to company. For example, full coverage from Geico for a 25-year-old costs $1,420 a year, on average, while the average price from Allstate is $2,588.

Below you can compare annual rates for 25-year-olds by company and by state. Rates are averaged across the country separately for full and minimum coverage.

Company

Drivers with a clean record

Drivers with a DUI

Allstate

$2,368

$3,606

American Family

$1,418

$1,751

Farmers

$1,717

$2,388

Geico

$1,210

$3,015

Nationwide

$1,309

$2,613

Progressive

$1,619

$2,001

State Farm

$1,426

$2,385

Travelers

$1,277

$2,100

USAA*

$1,118

$1,940

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

Average car insurance rates for a 25-year-old driver vary significantly from state to state. Some states, like Hawaii and Maine, have average rates under $1,250 a year for full coverage. In other states, such as Louisiana and Nevada, insurance costs more than $2,900 a year, on average, for the same driver.

See how your state stacks up below.

State

Drivers with a clean record

Drivers with a DUI

Alabama

$1,618

$2,983

Alaska

$1,536

$2,253

Arizona

$1,507

$3,050

Arkansas

$1,984

$3,250

California

$1,942

$5,167

Colorado

$1,936

$3,545

Connecticut

$2,073

$4,426

Delaware

$1,848

$3,918

Florida

$2,463

$3,444

Georgia

$1,941

$3,959

Hawaii

$1,145

$4,300

Idaho

$1,039

$1,678

Illinois

$1,515

$2,763

Indiana

$1,229

$2,453

Iowa

$1,177

$2,234

Kansas

$1,650

$2,973

Kentucky

$2,443

$5,246

Louisiana

$2,915

$5,813

Maine

$1,006

$1,605

Maryland

$1,993

$3,637

Massachusetts

$1,150

$2,034

Michigan

$2,337

$6,760

Minnesota

$1,403

$2,949

Mississippi

$1,707

$2,692

Missouri

$1,595

$2,703

Montana

$1,895

$3,120

Nebraska

$1,381

$2,353

Nevada

$2,527

$4,700

New Hampshire

$1,216

$2,461

New Jersey

$1,983

$3,896

New Mexico

$1,474

$3,167

New York

$2,384

$4,353

North Carolina

$1,192

$2,493

North Dakota

$1,295

$2,161

Ohio

$1,026

$2,330

Oklahoma

$1,821

$2,832

Oregon

$1,370

$2,382

Pennsylvania

$1,447

$3,179

Rhode Island

$2,054

$4,670

South Carolina

$1,760

$2,862

South Dakota

$1,423

$2,340

Tennessee

$1,310

$2,970

Texas

$1,783

$3,104

Utah

$1,523

$2,866

Vermont

$1,203

$2,524

Virginia

$1,286

$2,697

Washington

$1,227

$2,418

Washington, D.C.

$1,867

$2,839

West Virginia

$1,582

$3,070

Wisconsin

$1,157

$2,227

Wyoming

$1,369

$2,582

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Compare minimum and full coverage rates for 40-year-olds

Drivers around the age of 40 are in a car insurance sweet spot. Because this age group tends to get in fewer accidents than others, they typically can get lower rates. Aside from USAA, which is only available to military, veterans and their families, Geico provides the lowest price for full coverage for 40-year-olds at $1,210, on average.

Allstate comes in the highest at $2,368, on average.

Compare national average annual car insurance rates for 40-year-olds by company and by state below. Keep in mind that not all of these companies are available in every state.

Company

Full coverage

Minimum coverage

Allstate

$2,368

$765

American Family

$1,418

$636

Farmers

$1,717

$584

Geico

$1,210

$364

Nationwide

$1,309

$567

Progressive

$1,619

$592

State Farm

$1,426

$509

Travelers

$1,277

$474

USAA*

$1,118

$397

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

While average car insurance rates fluctuate by state, 40-year-olds in several states, including Maine, Ohio and Idaho, can pay less than $1,050 a year, on average, for full coverage policies. Similar drivers in other states could pay less than $2,500 a year for full coverage, on average. Only two states have rates higher than $2,500 a year for 40-year-old drivers with full coverage car insurance: Nevada and Louisiana.

See how your state stacks up below.

State

Full coverage

Minimum coverage

Alabama

$1,618

$537

Alaska

$1,536

$403

Arizona

$1,507

$581

Arkansas

$1,984

$544

California

$1,942

$631

Colorado

$1,936

$520

Connecticut

$2,073

$936

Delaware

$1,848

$930

Florida

$2,463

$740

Georgia

$1,941

$835

Hawaii

$1,145

$363

Idaho

$1,039

$343

Illinois

$1,515

$496

Indiana

$1,229

$402

Iowa

$1,177

$263

Kansas

$1,650

$473

Kentucky

$2,443

$857

Louisiana

$2,915

$946

Maine

$1,006

$392

Maryland

$1,993

$933

Massachusetts

$1,150

$431

Michigan

$2,337

$1,081

Minnesota

$1,403

$569

Mississippi

$1,707

$535

Missouri

$1,595

$513

Montana

$1,895

$415

Nebraska

$1,381

$359

Nevada

$2,527

$1,013

New Hampshire

$1,216

$439

New Jersey

$1,983

$919

New Mexico

$1,474

$416

New York

$2,384

$1,169

North Carolina

$1,192

$403

North Dakota

$1,295

$386

Ohio

$1,026

$372

Oklahoma

$1,821

$473

Oregon

$1,370

$683

Pennsylvania

$1,447

$463

Rhode Island

$2,054

$852

South Carolina

$1,760

$646

South Dakota

$1,423

$301

Tennessee

$1,310

$395

Texas

$1,783

$602

Utah

$1,523

$652

Vermont

$1,203

$352

Virginia

$1,286

$492

Washington

$1,227

$448

Washington, D.C.

$1,867

$790

West Virginia

$1,582

$507

Wisconsin

$1,157

$355

Wyoming

$1,369

$335

Compare car insurance rates for drivers with a DUI

After a DUI, your auto insurance rate will go up — in some cases, 75% or more. But one thing you can control that can affect rates the most is your insurance company. A DUI can affect car insurance rates for 3 to 10 years, so it’s best to shop around for the best price after getting one.

Below you can compare company averages for 40-year-olds before and after a DUI. Keep in mind that not all of these companies are available in every state.

Company

Drivers with a clean record

Drivers with a DUI

Allstate

$2,368

$3,606

American Family

$1,418

$1,751

Farmers

$1,717

$2,388

Geico

$1,210

$3,015

Nationwide

$1,309

$2,613

Progressive

$1,619

$2,001

State Farm

$1,426

$2,385

Travelers

$1,277

$2,100

USAA*

$1,118

$1,940

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

While your rate will increase after a DUI, how much it does depends in part on which state you live in. In Florida, the average rate for drivers with a recent DUI is 40% higher, on average, than for similar drivers with no incidents — $981 more a year. However, a DUI in Hawaii more than tripled average rates in our analysis, adding more than $3,000 to the annual cost of full coverage car insurance for 40-year-old drivers.

See below for how your state measures up.

State

Drivers with a clean record

Drivers with a DUI

Alabama

$1,618

$2,983

Alaska

$1,536

$2,253

Arizona

$1,507

$3,050

Arkansas

$1,984

$3,250

California

$1,942

$5,167

Colorado

$1,936

$3,545

Connecticut

$2,073

$4,426

Delaware

$1,848

$3,918

Florida

$2,463

$3,444

Georgia

$1,941

$3,959

Hawaii

$1,145

$4,300

Idaho

$1,039

$1,678

Illinois

$1,515

$2,763

Indiana

$1,229

$2,453

Iowa

$1,177

$2,234

Kansas

$1,650

$2,973

Kentucky

$2,443

$5,246

Louisiana

$2,915

$5,813

Maine

$1,006

$1,605

Maryland

$1,993

$3,637

Massachusetts

$1,150

$2,034

Michigan

$2,337

$6,760

Minnesota

$1,403

$2,949

Mississippi

$1,707

$2,692

Missouri

$1,595

$2,703

Montana

$1,895

$3,120

Nebraska

$1,381

$2,353

Nevada

$2,527

$4,700

New Hampshire

$1,216

$2,461

New Jersey

$1,983

$3,896

New Mexico

$1,474

$3,167

New York

$2,384

$4,353

North Carolina

$1,192

$2,493

North Dakota

$1,295

$2,161

Ohio

$1,026

$2,330

Oklahoma

$1,821

$2,832

Oregon

$1,370

$2,382

Pennsylvania

$1,447

$3,179

Rhode Island

$2,054

$4,670

South Carolina

$1,760

$2,862

South Dakota

$1,423

$2,340

Tennessee

$1,310

$2,970

Texas

$1,783

$3,104

Utah

$1,523

$2,866

Vermont

$1,203

$2,524

Virginia

$1,286

$2,697

Washington

$1,227

$2,418

Washington, D.C.

$1,867

$2,839

West Virginia

$1,582

$3,070

Wisconsin

$1,157

$2,227

Wyoming

$1,369

$2,582

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Compare car insurance rates for drivers with poor credit

Your credit history is one of the largest factors affecting your car insurance quote in all states except California, Hawaii, Massachusetts and Michigan. Carriers use credit history to determine how likely you are to file a claim.

While rates can double in some cases, it’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. Drivers with poor credit insured by Nationwide could pay an average of 38% more — $497 more a year — compared to similar drivers with good credit. Meanwhile, State Farm’s average price for full coverage more than doubles for drivers with poor credit compared to those with good credit.

Below you can compare average full coverage rates for 40-year-old drivers with poor credit by company.

Company

Drivers with good credit

Drivers with poor credit

Allstate

$2,368

$3,437

American Family

$1,418

$2,286

Farmers

$1,717

$2,780

Geico

$1,210

$1,715

Nationwide

$1,309

$1,806

Progressive

$1,619

$2,854

State Farm

$1,426

$3,195

Travelers

$1,277

$2,154

USAA*

$1,118

$2,110

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

Certain states prohibit the use of credit in setting 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, leading to variations by state.

Our analysis found that:

In Alaska and North Carolina, a driver with poor credit could pay about 38% more than a good credit driver.

Having poor credit in Nevada, Idaho, Oklahoma and Oregon raises the average insurance rate about 60% compared to drivers with good credit.

Average rates for poor credit drivers in Wisconsin were about 2.6 times the average rates for good credit drivers.

Below you can compare average full coverage rates for 40-year-old drivers with poor credit by state.

State

Drivers with good credit

Drivers with poor credit

Alabama

$1,618

$3,191

Alaska

$1,536

$2,116

Arizona

$1,507

$2,859

Arkansas

$1,984

$3,672

California*

$1,942

$1,942

Colorado

$1,936

$3,240

Connecticut

$2,073

$3,975

Delaware

$1,848

$3,210

Florida

$2,463

$4,347

Georgia

$1,941

$3,168

Hawaii*

$1,145

$1,145

Idaho

$1,039

$1,658

Illinois

$1,515

$2,953

Indiana

$1,229

$2,831

Iowa

$1,177

$2,344

Kansas

$1,650

$3,028

Kentucky

$2,443

$4,502

Louisiana

$2,915

$5,260

Maine

$1,006

$1,675

Maryland

$1,150

$2,058

Massachusetts*

$1,150

$1,150

Michigan*

$2,337

$2,337

Minnesota

$1,403

$2,758

Mississippi

$1,707

$2,834

Missouri

$1,595

$2,774

Montana

$1,895

$3,185

Nebraska

$1,381

$2,779

Nevada

$2,527

$4,021

New Hampshire

$1,216

$2,787

New Jersey

$1,983

$3,811

New Mexico

$1,474

$2,690

New York

$2,384

$4,685

North Carolina

$1,192

$1,646

North Dakota

$1,295

$2,358

Ohio

$1,026

$2,052

Oklahoma

$1,821

$2,914

Oregon

$1,370

$2,207

Pennsylvania

$1,447

$2,568

Rhode Island

$2,054

$3,545

South Carolina

$1,760

$3,265

South Dakota

$1,423

$2,598

Tennessee

$1,310

$2,379

Texas

$1,783

$3,057

Utah

$1,523

$2,746

Vermont

$1,203

$2,121

Virginia

$1,286

$2,395

Washington*

$1,227

$1,980

Washington, D.C.

$1,867

$3,112

West Virginia

$1,582

$2,667

Wisconsin

$1,157

$3,063

Wyoming

$1,369

$2,229

*Credit-based pricing is banned in California, Hawaii, Massachusetts and Michigan. In Washington, the legal code around this issue is being debated.

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Compare minimum and full coverage rates for drivers with an accident

Among the largest companies, your history of accidents will affect your auto insurance quote in very different ways. Check out how each insurer’s average rates for drivers with an accident stack up before you start comparison shopping for auto insurance. If you have an on-record accident, make sure to compare car insurance quotes one, three and five years after the date of the incident to continue to get the best and cheapest rate possible.

The cheapest car insurance company for a driver with a clean history might not be the cheapest company after an at-fault accident occurs. For example, while Geico typically has the best price for drivers with a clean driving history, our data shows that American Family has the cheapest average rates for drivers with a recent at-fault accident — with rates after an accident only 10% higher, on average, than for our base profile.

Below you can compare average full coverage rates for 40-year-old drivers with a recent at-fault accident by company.

Company

Drivers with a clean record

Drivers with a recent at-fault accident

Allstate

$1,922

$2,762

American Family

$1,348

$1,488

Farmers

$1,500

$2,160

Geico

$951

$1,551

Nationwide

$1,103

$1,749

Progressive

$1,523

$2,413

State Farm

$1,581

$2,065

Travelers

$1,162

$1,575

USAA*

$1,081

$1,595

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

State regulators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in $10,000 worth of damage. That caused average annual rates to spike by $1,000 or more in some states, while others jumped by far less. For example, rates in Hawaii for full coverage policies and drivers with a recent at-fault accident were $415 per year more, on average, than for drivers with no accidents. Meanwhile, rates in California averaged over $1,475 more after causing an accident than for incident-free drivers.

One thing’s for sure: Your rates will likely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record. Below you can compare average full coverage rates for 40-year-old drivers with a recent at-fault accident by state.

State

Drivers with a clean record

Drivers with a recent at-fault accident

Alabama

$1,618

$2,472

Alaska

$1,536

$2,038

Arizona

$1,507

$2,304

Arkansas

$1,984

$2,874

California

$1,942

$3,418

Colorado

$1,936

$2,740

Connecticut

$2,073

$3,061

Delaware

$1,848

$2,552

Florida

$2,463

$3,519

Georgia

$1,941

$3,097

Hawaii

$1,145

$1,559

Idaho

$1,039

$1,459

Illinois

$1,515

$2,288

Indiana

$1,229

$1,794

Iowa

$1,177

$1,683

Kansas

$1,650

$2,367

Kentucky

$2,443

$3,548

Louisiana

$2,915

$4,248

Maine

$1,006

$1,522

Maryland

$1,993

$2,904

Massachusetts

$1,150

$1,945

Michigan

$2,337

$3,633

Minnesota

$1,403

$2,040

Mississippi

$1,707

$2,660

Missouri

$1,595

$2,240

Montana

$1,895

$2,686

Nebraska

$1,381

$2,164

Nevada

$2,527

$3,739

New Hampshire

$1,216

$1,802

New Jersey

$1,983

$3,151

New Mexico

$1,474

$2,048

New York

$2,384

$3,467

North Carolina

$1,192

$2,150

North Dakota

$1,295

$2,055

Ohio

$1,026

$1,523

Oklahoma

$1,821

$2,671

Oregon

$1,370

$2,008

Pennsylvania

$1,447

$2,334

Rhode Island

$2,054

$2,895

South Carolina

$1,760

$2,475

South Dakota

$1,423

$1,872

Tennessee

$1,310

$1,975

Texas

$1,783

$3,112

Utah

$1,523

$2,306

Vermont

$1,203

$1,893

Virginia

$1,286

$1,933

Washington

$1,227

$1,765

Washington, D.C.

$1,867

$2,555

West Virginia

$1,582

$2,300

Wisconsin

$1,157

$1,646

Wyoming

$1,369

$1,884

How to compare car insurance quotes

First of all, 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 buying car insurance online or with an agent, a simple quote estimate should always be free of charge. Here’s how to start comparing quotes.

1. Gather your information

To quickly and easily compare car insurance online, 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: Mileage, date of purchase and vehicle identification number (VIN) for each car. Or, if you haven’t purchased the car yet, have mileage, make, model and year handy.

Driving history: Include 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, and not just for the investment you made when you bought your car. After a really serious accident, bills for damage and injuries can easily reach into hundreds of thousands of dollars. If you happen to cause such a wreck, the victims could sue you. In the worst case scenario, assets such as your savings and 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. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.

But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and 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 you injure in a crash.

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

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

When choosing liability car insurance coverage, try to make sure the highest, middle number is equal to or greater than the value of your net worth.

Understand car insurance requirements in your state

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.

Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.

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 yet. Note that this isn’t actually a type of coverage, but 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 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.

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.

Auto insurance quote comparison tip: Whatever coverage you choose, make sure you compare the quotes for the same type and amount of coverage so you can find the best price.

4. Collect and compare car insurance quotes

You’ll want to get car insurance quotes from at least two or three companies available in your area to be sure you’re getting a good deal. Consider comparing quotes from regional companies as well as the big companies such as Allstate, Progressive and State Farm. While shopping, make certain that each insurance quote includes:

  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 the discounts they offer on their websites).

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Compare car insurance frequently asked questions

Comparing car 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 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 from an agent face-to-face. Most major insurance companies offer online quotes and let you adjust your policy details to see different prices. Remember to use a car insurance comparison tool to shop around and compare rates from at least three insurers before buying a 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 to men with similar driving records. For young adults, the trend is flipped — young men tend to pay more than 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 $1,592 annually, or about $133 a month, according to NerdWallet’s 2021 rates analysis. However, your car insurance premium will vary based on factors like location, gender 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 — typically around $15 more a month. If your insurer doesn’t offer the option, 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 quote 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 out of your area. For that reason, it’s good to do a car insurance quote comparison anytime you move, even within the same state.

Compare car insurance companies

Use NerdWallet's reviews to compare car insurance companies and find the best one for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and more for all of the country's top auto insurance companies as well as many smaller, regional insurers.

Methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 40-year-old men and women for all ZIP codes in any 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 average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  1. $100,000 bodily injury liability coverage per person.

  2. $300,000 bodily injury liability coverage per crash.

  3. $50,000 property damage liability coverage per crash.

  4. $100,000 uninsured motorist bodily injury coverage per person.

  5. $300,000 uninsured motorist bodily injury coverage per crash.

  6. Collision coverage with $1,000 deductible.

  7. 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:

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

  2. 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”

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

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

  5. $300,000 uninsured motorist bodily injury coverage per crash.

  6. Collision coverage with $1,000 deductible.

  7. Comprehensive coverage with $1,000 deductible.

We used a 2018 Toyota Camry LE in all cases and assumed 12,000 annual miles driven.

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