Compare car insurance rates

The NerdWallet guide to finding the best car insurance rate

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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.


Compare sample auto insurance rates by:


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.


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 twentysomethings.


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.


CompanyFull coverageMinimum coverage
Allstate$2,588$786
American Family$1,585$725
Farmers$1,859$629
Geico$1,420$429
Nationwide$1,502$673
Progressive$1,837$652
State Farm$1,663$585
Travelers$1,440$502
USAA*$1,423$496

*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.


StateFull coverageMinimum coverage
Alabama$1,891$651
Alaska$1,886$489
Arizona$1,736$687
Arkansas$2,414$667
California$2,434$775
Colorado$2,231$612
Connecticut$2,474$1,102
Delaware$2,135$1,077
Florida$2,889$819
Georgia$2,270$1,004
Hawaii$1,145$363
Idaho$1,294$434
Illinois$1,843$599
Indiana$1,508$506
Iowa$1,410$317
Kansas$1,957$561
Kentucky$2,922$1,044
Louisiana$3,387$1,167
Maine$1,227$471
Maryland$2,338$1,078
Massachusetts$1,311$480
Michigan$2,610$1,151
Minnesota$1,680$667
Mississippi$2,038$682
Missouri$1,888$594
Montana$2,161$481
Nebraska$1,616$422
Nevada$2,939$1,203
New Hampshire$1,413$513
New Jersey$2,294$1,004
New Mexico$1,765$507
New York$2,710$1,289
North Carolina$1,286$436
North Dakota$1,499$428
Ohio$1,306$469
Oklahoma$2,106$576
Oregon$1,613$777
Pennsylvania$1,660$518
Rhode Island$2,431$997
South Carolina$2,120$786
South Dakota$1,658$347
Tennessee$1,624$500
Texas$2,092$733
Utah$1,770$757
Vermont$1,452$417
Virginia$1,757$643
Washington$1,462$540
Washington, D.C. $2,127$876
West Virginia$1,882$602
Wisconsin$1,381$420
Wyoming$1,556$372

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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.


CompanyFull coverageMinimum 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.


StateFull coverageMinimum 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

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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.


CompanyDrivers with a clean recordDrivers 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.


StateDrivers with a clean recordDrivers 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.


CompanyDrivers with good creditDrivers 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 legislators 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, Oregon and Washington 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.


StateDrivers with good creditDrivers 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.


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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.


CompanyDrivers with a clean recordDrivers 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 legislators 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.


StateDrivers with a clean recordDrivers 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

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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:Comprehensive insurance pays for:
  • Damage to your car in an accident you cause.
  • Damage to your car if you hit an object such as a fence or pole.
  • 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.

The value of your car if it’s stolen and not recovered, and damage from:

  • Weather such as tornadoes or hail.
  • Floods.
  • Fire.
  • Falling objects.
  • Explosions.
  • Crashes with an animal, such as striking a deer.
  • 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:


  • The same levels of liability and uninsured/underinsured motorist protection.
  • The same deductibles for collision and comprehensive coverage, if you’re buying them.
  • The same drivers and cars.
  • 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

Why do you need to compare auto insurance quotes?

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.


Can you get car insurance online?

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.


Does an auto insurance rate change depending on your gender?

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.


How much should you be paying for car insurance?

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.


Is auto insurance cheaper for homeowners?

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.


How do you get cheap rideshare insurance?

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.


Do you need to compare auto insurance rates if you move out of state?

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.