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Compare Auto Insurance Quotes

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Comparing car insurance quotes from multiple companies is the best way to get cheap car insurance. The average savings is $1,600 a year for a full coverage policy after shopping around, so it's well worth your time.

It's easy to compare auto insurance rates and save. Below you'll find expert advice on how to shop for car insurance and how to compare car insurance quotes. You'll also find average car insurance rates for a variety of locations and driver profiles to see if your rate is high or low in comparison.

How to compare car insurance quotes

Start your car insurance quote comparison online with just a few easy steps.

1. Choose your car insurance coverage

Before requesting quotes for an auto insurance policy, review your current policy. If you're comfortable with your coverage levels, request quotes with the same coverage. If you want more coverage, or to drop coverage you no longer need, make adjustments before you request quotes. Make to compare apples-to-apples, with the same coverage on every quote for a fair comparison.

If you’re not sure how much coverage you need, our car insurance coverage calculator can help. If you're new to buying car insurance, spend some time learning more about the types of car insurance coverage.

2. Have driver and vehicle information ready

Here are some things you’ll need to request car insurance quotes:

It's important to be truthful in order to get the most accurate car insurance quotes.

3. Get car insurance quotes from multiple companies

Request car insurance quotes from three to five auto insurance companies

4. Compare car insurance by cost and coverage

If you’re doing a quote comparison online, you’ll likely have quotes to review within minutes. Compare the quotes side by side and consider the following questions:

5. Compare car insurance companies by ratings

The cheapest auto insurance is not always the best auto insurance. Research on your top choice to ensure that it has good financial stability ratings and good customer reviews for support, billing and claims. You can do this quickly by checking the company's AM Best rating and J.D. Power ratings, or check out our car insurance company ratings.

Compare car insurance rates by state

Car insurance rates differ by state – and even change depending on ZIP code – because of factors like the number of accidents and thefts. Compare how much you pay for car insurance with state averages here.

Compare car insurance rates by company

Car insurance rates can be vastly different from one company to the next, which is why it's so critical to shop around and compare car insurance quotes. Your current company may have had the cheapest car insurance rates last year, but rates change all the time.

Life events, such as getting married, and driving incidents, such as accidents and tickets, can have a huge influence on rates. Compare car insurance quotes from other companies every time something changes that could affect what you pay, especially if you see an increase in your current rate. Take a look at some samples of average rates for major companies in each state.

*Rates were fielded in 2022 by Quadrant Information Services from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2021 Honda Accord.

Compare Car Insurance Rates by Age

Car insurance rates vary greatly depending on age. Your risk profile as a driver will change throughout your life, so you may be eligible for discounts at some points in your life while other times you may see your car insurance price increase. This is why you want to keep shopping for car insurance throughout your life so you ensure the best value.

Car Insurance Comparison Tool

Our car insurance calculator is easy to use, and it takes less than 10 minutes to complete. Fill out your vehicle information, driver profile, and policy details and we'll show you car insurance quotes directly from major carriers and the opportunity to buy a policy.

Compare car insurance rates for drivers with a DUI

A DUI puts you in a high-risk driver category, which also means an increase in car insurance rates. The rate increase from a DUI varies and can range from 28% to an incredible 371%.

Compare car insurance rates for drivers with a DUI by state

In most states, a DUI will stay on your driving record for at least five years. Here are the average rates after a DUI in each state.

Compare car insurance rates by state for drivers with one at-fault accident

According to an Insurance.com rate analysis, car insurance rates go up 31% on average after one at-fault accident. Insurance companies usually charge you for three years after an at-fault accident. How much your rate will go up exactly depends on your driving record, insurance company and the state where you live.

Compare car insurance rates for drivers with poor credit vs. good credit

Auto insurance companies in most states (exceptions are California, Hawaii, and Massachusetts) use credit-based insurance scores to help determine auto insurance rates. If your credit is poor, which means below 670, you can expect to pay about 71% more, on average, for car insurance than someone with good credit. That’s a lot, but other factors, like a good driving record, can offset it.

Compare car insurance rates for drivers with poor credit by state

Below you can see the average rate in each state overall compared to the average rate for a driver with poor credit.

Compare average insurance rates by car

I want to learn more about auto insurance

Why should you compare auto insurance quotes?

The car insurance company that offers the best overall value to your neighbor may not be the company that’s best for you. Comparing quotes from several different companies will help you feel confident you're getting the best price for the coverage you need.

Can you buy car insurance online?

Yes. Most major car insurance companies offer the option to purchase your insurance policy online, giving you instant coverage that you can buy at any time.

Does gender affect auto insurance rates?

In most states, yes. In states where it's legal to use gender for rate determination, female drivers between ages 16 and 24 pay around 15% less each year than their male counterparts. This rate gap decreases as drivers reach the age of 25 and above.

How much should you be paying for car insurance?

Because there are so many factors that go into determining car insurance rates, the answer for one person will be entirely different than for another person. We crunched the numbers for a specific driver profile and came up with a national average cost of $1,428 for a full coverage policy. However, your annual car insurance rates will vary significantly.

What factors affect car insurance rates?

These are the top factors that affect auto insurance rates:

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