Compare Car Insurance Rates All-in-One Place (September 2023)

To help you better understand how to compare car insurance quotes to find a better policy, Insurify's team of insurance experts developed a comprehensive guide with the average rates from every major auto insurance company for every state and different driver groups.

Why you should compare car insurance

Car insurance companies currently face historic losses that are driving car insurance rates higher. Insurers will likely continue increasing prices for the foreseeable future. Comparison shopping for car insurance is the best way to find the best coverage at the cheapest rate available to you. It’s a good idea to compare personalized quotes every six months, as the marketplace changes quickly.

Several factors determine your rate, including your age, location, driving record, level of education, and the kind of car you drive. Each insurance company has its own unique way of weighing these factors, which is why the same policy may be priced differently based on where you’re getting a quote from.

As an independent insurance agent licensed in all 50 states and Washington, D.C., Insurify can help you find personalized quotes. By delivering quotes customized to your driver profile and needs, Insurify can help you save on car insurance – our users save up to $717 annually.

Price is just one factor to consider when buying a policy. It’s also important to consider payment options, additional coverage, or special programs an insurance company may offer.

How to compare car insurance rates with Insurify

Comparison shopping car insurance with Insurify gives you access to quotes from top national and regional insurance companies. The process is easy, and we can deliver your personalized quotes in minutes.

1. Get prequalified: Answer a few simple questions to help us understand your driver profile and insurance needs.

2. Compare real-time quotes: Our proprietary technology analyzes your information to deliver multiple personalized, highly accurate, real-time quotes from top insurers.

   

3. Close on a policy in minutes: Buy your policy entirely online, through our website or app, or talk to one of our agents to bind your policy in minutes.

Compare the cheapest car insurance companies

Everyone wants to find reliable car insurance coverage at a competitive rate. But the quality of the insurance company is also important when you compare car insurance. Insurify's team of data scientists, editors, and insurance writers put together the following table to help you make more informed insurance-buying decisions.

The data illustrates the average monthly quote for full-coverage insurance from well-known names in the industry. It also lets you easily compare the companies’ Insurify Quality Score, which evaluate companies based on 15 criteria, including:

• Customer satisfaction

• Customer support

• Cost

• Customization

• Transparency

• Financial strength

• Availability

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote: Liability	Average Monthly Quote: Full Coverage	Insurify Quality Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
COUNTRY Financial	22	46	4.3
NJM	39	53	4.5
Auto-Owners	41	82	4.0
USAA	45	98	4.3
Hugo	48	69	3.0
Mile Auto	49	80	3.4
State Farm	51	108	4.4
GEICO	52	112	4.2
Allstate	61	134	4.1
Erie	61	88	4.4
Safeco	62	112	3.6
Root	63	88	3.7
American Family	76	171	4.1
Plymouth Rock	76	126	0.0
Metromile	77	108	3.0
Dairyland	83	232	3.3
Progressive	84	152	3.9
National General	86	223	3.1
Clearcover	86	128	3.1
Liberty Mutual	87	171	3.7
Mercury	88	130	3.5
Travelers	89	196	4.2
Kemper	95	189	2.8
Direct Auto	96	193	3.2
CSAA	97	159	3.5
Elephant	98	157	3.5
Farmers	104	231	3.7
Anchor	104	267	2.6
Commonwealth Casualty	106	269	2.3
GAINSCO	112	230	3.1
Shelter	114	183	3.5
AssuranceAmerica	115	209	2.2
The Hartford	116	164	0.0
The General	119	246	3.4
Chubb	126	268	2.8
21st Century	133	282	2.4
Bristol West	136	303	2.2
Foremost	137	268	3.3
Infinity	167	287	0.0
Amica	189	270	3.6

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On Insurify's secure site

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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• Insurify Quality (IQ) Score

  Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

  Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Why Insurify?

How lead-generation sites and insurance carriers stack up

You have multiple options for comparing car insurance rates. You can turn to a comparison site like Insurify, a lead-generation website, or work directly with insurance companies. Each option has advantages and disadvantages.

Here’s how Insurify stacks up to other comparison-shopping platforms and buying directly from car insurance companies.

Don't take our word for it

Types of car insurance coverage

Generally, you can buy two main types of car insurance: liability-only or full-coverage car insurance.

Liability-only coverage: Good for drivers who want to keep costs low

Liability insurance pays for property damage or bodily injury you cause to others in an accident. It’s typically just enough coverage to meet your state’s minimum requirements, and nothing more. It provides essential financial protection for bodily injury and property damage liability if you’re in an accident. When you choose this minimum coverage, you don’t get protection for your own vehicle.

A liability-only policy may make sense if the cost to repair or replace your vehicle doesn’t justify the additional expense of full coverage, or if you’re on a tight budget and prioritize lower premiums over comprehensive protection. It may also be suitable if you frequently use public transportation and don’t spend much time behind the wheel.

Full coverage: Good for drivers who want more coverage for their own vehicle

Full-coverage car insurance includes liability coverage for at least your state’s minimum insurance requirements, plus comprehensive and collision coverage for your car. In addition to covering damages you cause to others in an accident, a full-coverage policy can help pay to repair or replace your own vehicle.

Full coverage is a great option for new or high-value vehicles. Collision and comprehensive coverages can save you from significant financial losses due to accidents, theft, and natural disasters. If you lease or finance your car, your lender or leasing company will require you to carry full coverage.

Additional car insurance coverages to consider

In addition to liability, comprehensive, and collision coverage, most insurance companies offer a range of supplemental coverages, including:

Uninsured and underinsured motorist coverage

You can’t control another driver’s insurance decisions. Uninsured and underinsured motorist coverage protects you against drivers who don’t have adequate coverage. If they don’t have insurance to pay for the damage they cause, this coverage steps in for you. UM/UIM also provides coverage for hit-and-runs.

Medical payments coverage

When accidents result in medical bills, medical payments coverage can help. It’s financial protection for you and your passengers, no matter who’s at fault for the accident. Most medical payments policies cover doctor visits, hospital stays, surgery, X-rays, and other medical expenses.

Personal injury protection

Accidents can disrupt your life. Personal injury protection (PIP) goes beyond medical bills, covering lost wages and other related expenses. It helps you keep your life moving even after an accident. A dozen states require drivers to carry PIP, while it’s unavailable or optional in others.

Gap insurance

If your car is totaled, your insurance payout might not be sufficient to pay off your loan or lease. Gap insurance covers this difference, shielding you from unexpected out-of-pocket expenses.

The best car insurance companies

A reputable car insurance company that fits your budget and provides robust coverage, quality customer service, and timely claims management is a tall order. Here are some factors to keep in mind while comparing car insurance companies:

• Car insurance quote price

• Customer service record

• Claims service process

• Financial strength

After crunching the numbers, here are the best car insurance companies, according to Insurify:

How to get the cheapest car insurance

Finding affordable coverage doesn’t have to be a chore. Here’s how to secure the cheapest rates without sacrificing quality coverage:

1. Compare car insurance rates. Don’t settle for the first quote you get. Shopping around and comparing rates from different companies can help you find the best deal.

2. Look for discounts. Many insurance companies offer an array of discounts that can lower your car insurance bill. Always ask about potential savings, such as multi-policy, multi-car, safe driver, and student discounts.

3. Maintain a good credit score. Insurers view a good credit history as an indication of financial responsibility, which leads to fewer claims and lower premiums. Make sure you check your credit score regularly and take steps to improve it.

4. Practice safe driving habits. A clean record free of any traffic violations is appealing to insurers. Safe drivers are less likely to file claims, and insurers reward them with cheaper rates.

Types of car insurance discounts

Car insurance discounts can lead to substantial savings, especially if you qualify for more than one. Here are some common types of car insurance discounts:

• Driving history discounts: You could be eligible for driving history discounts if you have a clean driving record without accidents or traffic violations. You might also qualify if you complete a defensive driving course.

• Vehicle-related discounts: Your vehicle can influence your insurance premiums. Features like anti-lock brakes, anti-theft devices, and new safety technologies can qualify you for vehicle-related discounts.

• Affiliation discounts: Being part of certain groups or organizations can unlock lower premiums. You could be eligible for affiliation discounts if you’re an active-duty military member, a federal employee, or a member of a partnered organization or alumni group.

• Driver-specific discounts: These discounts link savings to the individual driver. For example, you could qualify for a specific discount if you’re a student with good grades, a senior driver, or part of a professional group.

• Policy-related discounts: How you manage your policy can also equal savings. You may be eligible for policy-related discounts by opting into paperless billing, setting up automatic payments, or paying your full premium up front. You can also bundle multiple insurance products, like home and auto, with the same company to lower your costs.

Compare car insurance rates by make and model

Your vehicle’s make and model influence your car insurance rate depending on how easy it is to replace the vehicle’s parts and how much it typically costs to make repairs. For this reason, luxury cars are more expensive to insure than standard models. Overall, sedans are the most expensive car type to insure, while minivans are the cheapest.

Cheapest

Known for their accessible pricing and dependability, insurance for Fiat, Buick, and Subaru vehicles costs the least.

Fiat$126/mo

Buick$128/mo

Subaru$133/mo

Most Expensive

Not only do these car brands make cars that have high starting prices, but they're also the most expensive to insure.

Alfa Romeo$255/mo

Maserati$243/mo

Tesla$242/mo

Car insurance rate factors

Figuring out car insurance rates isn’t straightforward — many factors unique to you play a role. From your age and location to your vehicle’s make and model, let’s unpack how each factor can affect your insurance premiums.

Your location

The state where you live and drive heavily affects your car insurance rate. Variables like legislation, population density, crime rates, and weather patterns affect your likelihood of filing a claim.

Nearly every state requires drivers to have bodily injury liability and property damage liability insurance. You’ll need to buy at least your state’s minimum coverage requirements, and you may choose higher coverage limits if you want more protection.

Your age

Age significantly affects how insurers assess your risk of filing a claim. Young drivers typically pay more for car insurance due to a lack of driving experience and a higher accident rate. Specifically, Insurify data shows that, on average, 18-year-old drivers pay premiums that are 95% higher than 25-year-old drivers.

Teen drivers can see their monthly premiums drop $96 from ages 18 to 19 and another $46 at age 20. By the time a motorist reaches 30, they can expect to pay an average of 55% less in premiums than when they were 18.

Your driving record

A clean driving record can help you lower your car insurance bill. Among the top companies, USAA offers the most affordable rates for drivers with a clean record, with an average monthly quote of $103. However, speeding tickets can increase your rates by 21%, while at-fault accidents can increase your rates by 27%.

Having a DUI can have an even bigger effect. For instance, a policy from Allstate costs an average of $79 more every month for drivers with a DUI. That adds up to nearly $950 a year, which your insurer will add as a surcharge to your renewal premium for at least three years.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Record	Speeding Ticket	At-Fault Accident	DUI
USAA	45	52	55	70
State Farm	51	58	62	79
GEICO	52	61	65	81
Allstate	61	71	75	95
Safeco	62	79	77	96
American Family	76	90	94	118
Progressive	84	103	114	130
Liberty Mutual	87	93	91	135
Farmers	104	123	128	161

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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Your credit score

In most states, insurers use a credit-based insurance score to predict your chances of filing a claim. A higher credit score can often lead to lower premiums. Insurers can’t consider credit scores when calculating insurance rates in California, Hawaii, Massachusetts, and Michigan.

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across driver ages, genders, credit scores, and driver profiles.

The average annual cost of car insurance

Car insurance rates rose 17% in the first six months of 2023, and may rise a further 4% before the end of the year, according to Insurify’s latest report on car insurance price trends. This staggering increase is mainly the effect of rising prices for auto parts and more frequent and costly claims due to climate change. 

“More vehicles are being caught and destroyed in fires and floods, and ice is sticking around longer, increasing the likelihood of collisions,” says Betsy Stella, vice president of carrier management and operations at Insurify. “This has led to auto insurers paying a higher number of — and a higher price for — customer claims. As a result, customers are seeing higher premiums as insurers increase prices to cover these losses.”

As insurers continue to file for rate increases in several states to cope with rising losses, drivers can expect to see higher premiums on renewal over the next 12 to 18 months. Now is as good a time as ever to shop around for a policy and compare rates so you can ensure you’re getting a good deal on your policy.