Compare 2024 Car Insurance Quotes Online
On average, drivers pay $164 per month for full coverage insurance and $64 per month for minimum coverage.
Compare the best car insurance rates
State Farm, Travelers and USAA are the three national companies that have the cheapest auto insurance rates for full coverage, on average.
Your car insurance cost will vary based on where you live, your driving history and more.
Compare full coverage car insurance rates by company
Company | Monthly quote | ||
|---|---|---|---|
| State Farm | $124 | |
| Travelers | $160 | |
| Farm Bureau | $161 | |
| Geico | $161 | |
| Progressive | $169 | |
*USAA is only available to members of the military, veterans and their families.
Factors that affect car insurance quotes
Your age, location, car, driving record and credit score will all change your car insurance quotes.
Compare rates by:
Car insurance price comparison by state
Full coverage car insurance quotes vary by up to $294 per month by state.
This is in part because of state laws. Each state can decide how much car insurance coverage its drivers need. Most insurance companies must also have their rates approved by state officials before they can make changes.
Comparing auto insurance rates by state can show how much state requirements affect the price of car insurance where you live.
Rates also vary based on factors like population density, crime rates and severe weather patterns.
Full coverage car insurance quotes comparison by state
State | State avg. | Cheapest rate | |
|---|---|---|---|
| Alabama | $165 | Travelers | $144 |
| Alaska | $136 | Geico | $112 |
| Arizona | $224 | State Farm | $125 |
| Arkansas | $157 | State Farm | $101 |
| California | $156 | Geico | $124 |
Compare car insurance rates by age
Full coverage car insurance quotes for 18-year-old drivers are nearly three times as high as those for 30-year-old drivers, on average.
Age is a major factor when comparing car insurance rates. Younger drivers pay more for auto insurance than older drivers. That's because insurance companies consider them more likely to get into an accident.
Car insurance rates generally spike again in your later years. That's because senior drivers are more likely to get in an accident than middle-aged drivers.
Cheapest full coverage rates by age for young drivers
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Full coverage quotes for 18-year-olds
Company | Monthly rate |
|---|---|
| Erie | $257 |
| State Farm | $344 |
| Auto-Owners | $362 |
| Farm Bureau | $371 |
| Geico | $421 |
*USAA is only available to military members, veterans and their families.
18
Full coverage quotes for 18-year-olds
Company | Monthly rate |
|---|---|
| Erie | $257 |
| State Farm | $344 |
| Auto-Owners | $362 |
| Farm Bureau | $371 |
| Geico | $421 |
*USAA is only available to military members, veterans and their families.
19
Full coverage quotes for 19-year-olds
Company | Monthly rate |
|---|---|
| Farm Bureau | $205 |
| Erie | $219 |
| Travelers | $281 |
| Auto-Owners | $286 |
| Geico | $310 |
*USAA is only available to military members, veterans and their families.
20
Full coverage quotes for 20-year-olds
Company | Monthly rate |
|---|---|
| Farm Bureau | $198 |
| Erie | $207 |
| Travelers | $248 |
| Auto-Owners | $257 |
| Geico | $282 |
*USAA is only available to military members, veterans and their families.
21
Full coverage quotes for 21-year-olds
Company | Monthly rate |
|---|---|
| Erie | $179 |
| Farm Bureau | $179 |
| Travelers | $219 |
| Auto-Owners | $230 |
| Geico | $232 |
*USAA is only available to military members, veterans and their families.
22
Full coverage quotes for 22-year-olds
Company | Monthly rate |
|---|---|
| Erie | $162 |
| Farm Bureau | $175 |
| Travelers | $202 |
| Auto-Owners | $210 |
| Geico | $216 |
*USAA is only available to military members, veterans and their families.
23
Full coverage quotes for 23-year-olds
Company | Monthly rate |
|---|---|
| Erie | $155 |
| Farm Bureau | $169 |
| Travelers | $189 |
| Auto-Owners | $194 |
| Geico | $208 |
*USAA is only available to military members, veterans and their families.
24
Full coverage quotes for 24-year-olds
Company | Monthly rate |
|---|---|
| Erie | $129 |
| Farm Bureau | $165 |
| Travelers | $181 |
| Auto-Owners | $182 |
| Geico | $198 |
*USAA is only available to military members, veterans and their families.
25
Full coverage quotes for 25-year-olds
Company | Monthly rate |
|---|---|
| Erie | $125 |
| Farm Bureau | $145 |
| Auto-Owners | $170 |
| Travelers | $170 |
| State Farm | $178 |
*USAA is only available to military members, veterans and their families.
Compare car insurance quotes by accident history
Full coverage car insurance rates go up by 49% after an at-fault accident, on average. However, not all insurance companies increase prices by the same amount.
State Farm typically has the smallest increase in rates after an accident among major companies, at 24%.
Geico has the largest increase, at 72%.
Monthly full coverage rates before and after an accident
Company | Clean record | Accident |
Increase
|
|---|---|---|---|
| Erie | $107 | $135 | 26% |
| State Farm | $125 | $155 | 24% |
| Auto-Owners | $141 | $185 | 31% |
| Farm Bureau | $162 | $223 | 38% |
| Travelers | $164 | $229 | 40% |
*USAA is only available to military members, veterans and their families.
Compare car insurance rates by credit score
Drivers with poor credit pay nearly twice as much for full coverage car insurance compared to people with good credit.
In most states, credit scores help determine your auto insurance quotes. Drivers with good or excellent credit scores tend to pay lower car insurance rates. Those with poor or bad credit scores usually pay more for insurance.
Average monthly full coverage quotes by credit score
Company | Good credit | Poor credit | Difference |
|---|---|---|---|
| Erie | $106 | $246 | $140 |
| Geico | $161 | $258 | $97 |
| Nationwide | $185 | $262 | $77 |
| American Family | $160 | $264 | $104 |
| Farm Bureau | $161 | $277 | $116 |
*USAA is only available to members of the military, veterans and their family members.
Find Cheap Auto Insurance Quotes in Your Area
Insurance companies use a calculation called a credit-based insurance score to give each customer a rating. Your score doesn't have anything to do with your driving habits. But companies believe people with lower credit scores are more likely to file claims.
Nationwide has the smallest rate increase for drivers with poor credit. It only increases rates by 42% for drivers with a poor credit history.
State Farm has the biggest upcharge. Drivers with poor credit pay nearly four times the rate for drivers with good credit at State Farm.
Some states don't allow insurance companies to use your credit score to decide your car insurance rates, including California and Michigan. In these states, your credit score won't affect your car insurance quotes.
How to compare car insurance quotes
Before comparing quotes, decide how much coverage you need, and get ready for a few questions about your car and driving history.
Gather your personal info
Online auto insurance quote comparison tools and insurance agents can provide you with estimates. But the quotes you get will only be as accurate as the info you provide. To compare quotes online, have some basic personal info ready.
Your information:
- Name
- Age
- Address
- Driver's license number
- Info about other drivers on the policy
- Current insurance company
Your vehicle:
- Year, make and model
- Vehicle identification number (VIN)
- Date of purchase
- Mileage
Your driving history:
- Ticket and accident history
- License suspensions
Decide how much coverage you need
The amount of car insurance coverage you choose has a big impact on your quotes. Most states require drivers to have a minimum amount of coverage. However, it's usually a good idea for most drivers to get a full coverage policy.
It can be helpful to start with the current coverage you have, which you can find online or on your current policy declaration page. This page is part of the policy documents you get when you buy a new policy. It outlines the types of coverage and limits you have.
Most insurance companies also let you add coverage options for a few bucks a month, like emergency roadside assistance or rental car reimbursement. But you often need to have full coverage first.
When comparing car insurance rates, select the same coverage limits from each company for an apples-to-apples comparison.
Collision and comprehensive insurance don't have limits, so make sure you select the same deductibles.
Collect and compare car insurance quotes
Visit insurance company websites and use their online quote tools to compare auto insurance rates from different companies. Start by getting quotes from the cheapest car insurance companies or the best companies near you. You can also call an agent at the insurance company, or work with an independent agent who can help you compare multiple quotes at once.
Car insurance prices change over time. When collecting quotes, save the reference number so you can get back to the quote later. Also, quotes may expire after a few weeks. If you find a good price, you might have to buy coverage sooner to get that rate.
Frequently asked questions
Why should I compare auto insurance quotes online?
Every driver gets a different rate for insurance based on their address, car and driving history. You will also find a different quote from each insurance company. The only way to find the best car insurance quotes for you is to get multiple quotes from different companies. This only takes a few minutes when you use an online quote tool.
When should I compare car insurance?
You should compare insurance every year to make sure you're always getting the best rate. At the very least, you should shop for quotes any time something in your life changes that could affect your rates. This includes buying a new car, moving, changing drivers on your policy, getting a ticket or being in an accident.
What do I need to compare insurance quotes?
To compare car insurance rates, you'll need your address, your car's make and model, and info about any recent tickets or accidents. You might need your driver's license number, Social Security number and VIN for the most accurate quote.
It can be helpful to have a copy of your current insurance declaration page to make sure your quotes have the same amount of coverage you have now.
How much should I be paying for car insurance?
On average, drivers pay $64 per month for minimum coverage insurance and $164 per month for full coverage insurance. However, rates vary based on where you live, your driving record and your age.
Methodology
To compile national rates for this car insurance comparison, ValuePenguin gathered rates across 50 states and Washington, D.C., for 37 insurance companies in all ZIP codes in each state. We only included insurance companies that are available in at least five states.
Rates are for a 30-year-old man with good credit and a clean driving record. He drives a 2015 Honda Civic EX, unless otherwise noted.
Rates for minimum coverage are based on the average cost of a policy that meets state minimum auto insurance requirements. Full coverage auto insurance quotes include collision and comprehensive plus liability coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
- Personal injury protection: Minimum when required by state
Rates for young drivers ages 18 through 25 include quotes from nine of the most populated states in the country. All other rates by age were collected from four of the largest states.
Accident quotes are for an at-fault accident causing $2,000 in property damage.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.