Your ultimate cheap auto insurance quotes comparison and shopping guide, online and offline.
The thing with car insurance is that companies don’t have the same rate. A carrier will be more expensive or cheaper than the others. Also, its offers might be worse or better than competitors. That said, a smart policyholder will always compare the car insurance quote of many carriers before getting covered.
This is a comprehensive guide that will take you through the nook and crannies of car insurance quotes. We’ll provide figures, review the best companies, and provide insightful tips. At the end of the discussion, we’ll also discuss what car insurance is.
An insurance quote is a document or an electronic media that shows how much you’ll pay for your car insurance. If provided as a print document, your car insurance quote will be made and given to you by an insurance agent or the carrier personally or through mail. When it is provided as an electronic media, your car insurance quote will be a page in a website or a PDF sent via email.
The cost of premiums reflected in your car insurance quote doesn’t come from nowhere. It’s estimated by taking the following factors into account:
Driving history
Background
Credit score
Age
Gender
Location
The vehicle you drive
Vehicle usage
Coverage type and amount
Marital status: married people are proven to be involved in fewer auto accidents than singles, divorced, and widows
Homeownership: homeowners pay dramatically less for their car insurance than renters similar coverage, thanks to auto and home insurance bundle discounts
Any other relevant information for assessing the policyholder\'s carried risk
Remember that in America, insurance companies are businesses. This means that they have a bottom line to maintain and must generate profit no matter how many payouts they have to give out. This is part of the reason why policies are so complicated to understand. Every insurer has to make sure they don’t lose money because of covering you. That said, here are the top factors that affect car insurance rates.
The younger you are, the more you\'ll usually pay. Teen drivers and drivers between 20 and 24 are the most expensive to insure, while older drivers tend to get a more affordable rate. Here is the cheapest car insurance for teens and young drivers and the cheapest cars to insure for teenage drivers.
The cleaner your driving record is (no accidents, traffic tickets, tax liens), the better of a deal you\'ll get. The worse your record is, the more you\'ll pay. SR-22 insurance is the most expensive and is given to those who\'ve had reckless driving charges or were previously charged with a DUI.
The more expensive your vehicle is, the higher your insurance will be. Sports cars also tend to be more costly to insure since they\'re more likely to cause a car accident. That said, a Lamborghini is more expensive to insure than a Honda Civic, BMW, Mustang, Tesla, and Dodge Charger,
If you live in a state where accidents aren\'t very common, you\'ll save on your auto insurance. However, if you live in a state where accidents are more prevalent, you\'ll pay more for car insurance. Here are the states with the cheapest car insurance rates.
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Location is one of the most significant factors that affect the cost of a car insurance quote. By location, we mean the state where you\'re permanently or temporarily residing. The table below shows the states which have the cheapest quotes for car insurance:
| Monthly Premiums Lowest Range | Monthly Premiums Highest Range | Average | |
|---|---|---|---|
| Indiana | $140 | $171 | $156 |
| Ohio | $154 | $189 | $172 |
| West Virginia | $163 | $200 | $182 |
| Illinois | $169 | $206 | $188 |
| Alabama | $171 | $209 | $190 |
| Tennessee | $172 | $211 | $192 |
| New Hampshire | $174 | $214 | $194 |
| Vermont | $175 | $216 | $196 |
| Wyoming | $171 | $209 | $190 |
| Maine | $172 | $210 | $191 |
| Idaho | $173 | $212 | $193 |
| Oregon | $174 | $213 | $194 |
| Iowa | $176 | $218 | $197 |
| Pennsylvania | $179 | $221 | $200 |
| Arizona | $177 | $218 | $198 |
| Montana | $181 | $223 | $202 |
| South Dakota | $183 | $226 | $205 |
| Kentucky | $185 | $230 | $208 |
| North Dakota | $187 | $235 | $211 |
| Arkansas | $189 | $289 | $239 |
| North Carolina | $190 | $295 | $243 |
| Virginia | $191 | $234 | $213 |
| Oklahoma | $192 | $236 | $214 |
| Massachusetts | $195 | $239 | $217 |
| Utah | $196 | $240 | $218 |
| Kansas | $203 | $248 | $226 |
| Colorado | $210 | $260 | $235 |
| Rhode Island | $215 | $263 | $239 |
| California | $217 | $265 | $241 |
| Minnesota | $228 | $279 | $254 |
| New Mexico | $238 | $292 | $265 |
| Connecticut | $239 | $292 | $266 |
| Texas | $265 | $325 | $295 |
| Jew Jersey | $271 | $332 | $302 |
| Missouri | $274 | $335 | $305 |
| Washington | $275 | $336 | $306 |
| Delaware | $283 | $346 | $315 |
| Georgia | $320 | $391 | $356 |
| New York | $324 | $397 | $361 |
| South Carolina | $370 | $452 | $411 |
| Maryland | $388 | $474 | $431 |
| Florida | $412 | $503 | $458 |
| Louisiana | $416 | $509 | $463 |
| Nevada | $488 | $597 | $543 |
| Michigan | $565 | $691 | $628 |
| Alaska | $752 | $919 | $836 |
| Nebraska | $760 | $930 | $845 |
| Wisconsin | $763 | $932 | $848 |
| Hawaiii | $765 | $935 | $850 |
Note: The table above shows car insurance rates by considering all factors.
You only need the minimum liability insurance to drive a car legally aside from having a license. Here\'s a table showing the cheapest and most expensive states for minimum liability car insurance.
| State | State Minimum Liability Insurance Quote Per Year | 50/100/50 Liability Insurance Quote Per Year | 100/300/100 Liability Insurance Quote Per Year |
|---|---|---|---|
| Alabama | $783 | $900 | $1,490 |
| Alaska | $676 | $692 | $1,138 |
| Arizona | $740 | $969 | $1,500 |
| Arkansas | $520 | $940 | $1,662 |
| California | $997 | $1,268 | $2,090 |
| Colorado | $920 | $983 | $2,281 |
| Connecticut | $1,118 | $1,194 | $1,805 |
| District of Columbia | $833 | $950 | $1,148 |
| Delaware | $885 | $1,045 | $1,473 |
| Florida | $1,215 | $1,672 | $2,153 |
| Georgia | $1,134 | $1,529 | $1,780 |
| Hawaii | $707 | $870 | $1,450 |
| Idaho | $492 | $443 | $692 |
| Illinois | $734 | $838 | $1,474 |
| Indiana | $514 | $560 | $938 |
| Iowa | $440 | $530 | $899 |
| Kansas | $399 | $582 | $1,220 |
| Kentucky | $1,049 | $1,120 | $1,694 |
| Louisiana | $1,442 | $2,135 | $2,900 |
| Maine | $438 | $405 | $731 |
| Maryland | $1,373 | $1,504 | $1,772 |
| Massachusetts | $1,083 | $1,165 | $1,830 |
| Michigan | $1,610 | $1,680 | $2,761 |
| Minnesota | $890 | $892 | $1,388 |
| Mississippi | $608 | $701 | $1,287 |
| Missouri | $648 | $643 | $1,119 |
| Montana | $649 | $760 | $1,330 |
| Nebraska | $628 | $665 | $1,230 |
| Nevada | $1,008 | $1,303 | $1,099 |
| New Hampshire | $380 | $543 | $1,048 |
| New Jersey | $1,035 | $1,263 | $1,847 |
| New Mexico | $722 | $862 | $1,410 |
| New York | $1,546 | $1,658 | $2,374 |
| North Carolina | $524 | $576 | $1,041 |
| North Dakota | $430 | $458 | $897 |
| Ohio | $575 | $627 | $1,023 |
| Oklahoma | $705 | $786 | $1,615 |
| Oregon | $874 | $990 | $1,280 |
| Pennsylvania | $1,095 | $1,490 | $2,200 |
| Rhode Island | $1,230 | $1,389 | $2,300 |
| South Carolina | $735 | $858 | $1,360 |
| South Dakota | $390 | $442 | $970 |
| Tennessee | $650 | $718 | $1,174 |
| Texas | $600 | $1,075 | $1,840 |
| Utah | $790 | $865 | $1,765 |
| Vermont | $437 | $483 | $1,085 |
| Virginia | $601 | $660 | $1,095 |
| Washington | $1,060 | $1,133 | $1,868 |
| West Virginia | $661 | $719 | $1,315 |
| Wisconsin | $682 | $700 | $1,130 |
| Wyoming | $365 | $375 | $930 |
The year you were born is another factor that helps to determine the premiums of your car insurance quotes. Here’s a table showing the cost of car insurance based on this.
| Date Born | Cost of Car Insurance per Month | Cost of Car Insurance per Year |
|---|---|---|
| 1949 - 1970 | $214 | $2,568 |
| 1980 | $225 | $2,700 |
| 1981 - 1982 | $230 | $2,760 |
| 1983 - 1984 | $245 | $2,940 |
| 1985 | $250 | $3,000 |
| 1986 | $255 | $3,060 |
| 1987 | $259 | $3,108 |
| 1988 | $262 | $3,144 |
| 1989 | $268 | $3,216 |
| 1990 | $272 | $3,258 |
| 1991 - 1992 | $274 | $3,282 |
| 1993 | $283 | $3,396 |
| 1994 | $285 | $3,414 |
| 1995 | $296 | $3,546 |
| 1996 | $303 | $3,636 |
| 1997 | $308 | $3,690 |
| 1998 | $331 | $3,972 |
| 1999 | $341 | $4,092 |
| 2000 | $369 | $4,422 |
| 2001 | $409 | $4,908 |
| 2002 | $488 | $5,850 |
| 2003 | $578 | $6,930 |
| 2004 | $712 | $8,544 |
| 2005 | $721 | $8,646 |
| 2006 - 2010 | $723 | $8,676 |
Car insurance becomes expensive for younger individuals. This is due to the conception that young drivers are reckless.
On the other hand, car insurance becomes cheaper as one age. Nonetheless, this only applies if the policyholder has no records of committing traffic violations or causing traffic accidents.
The price of a car insurance quote will vary significantly for drivers with a poor driving history. Here’s another table showing the insurance premiums based on the driver’s age and accompanying violations:
Monthly Cost of Car Insurance Premiums for A 19-20-Year-Old Diver with Recorded Traffic Violations
| Lowest | Median | Highest | |
|---|---|---|---|
| DUI | $1,469 | $2,059 | $2,720 |
| Overspeeding | $1,003 | $1,348 | $1,838 |
| Accident | $1,603 | $2,421 | $3,240 |
Monthly Cost of Car Insurance Premiums for A 21-22-Year-Old Driver with Recorded Traffic Violations
| Lowest | Median | Highest | |
|---|---|---|---|
| DUI | $1,058 | $1,484 | $1,960 |
| Overspeeding | $724 | $973 | $1,326 |
| Accident | $1,153 | $1,744 | $2,334 |
Monthly Cost of Car Insurance Premiums for A 23-25-Year-Old Driver with Recorded Traffic Violations
| Lowest | Median | Highest | |
|---|---|---|---|
| DUI | $807 | $1,131 | $1,493 |
| Overspeeding | $552 | $741 | $1,009 |
| Accident | $878 | $1,329 | $1,775 |
Monthly Cost of Car Insurance Premiums for A 26-29-Year-Old Driver with Recorded Traffic Violations
| Lowest | Median | Highest | |
|---|---|---|---|
| DUI | $708 | $992 | $1,309 |
| Overspeeding | $484 | $650 | $885 |
| Accident | $770 | $1,164 | $1,557 |
Monthly Cost of Car Insurance Premiums for A 30-65-Year-Old Driver with Recorded Traffic Violations
| Lowest | Median | Highest | |
|---|---|---|---|
| DUI | $623 | $873 | $1,152 |
| Overspeeding | $424 | $570 | $777 |
| Accident | $677 | $1,024 | $1,370 |
Monthly Cost of Car Insurance Premiums for A 65+-Year-Old Driver with Recorded Traffic Violations
| Lowest | Median | Highest | |
|---|---|---|---|
| DUI | $671 | $1,028 | $1,192 |
| Overspeeding | $545 | $858 | $1,318 |
| Accident | $676 | $1,234 | $1,792 |
The tables below show the average auto insurance quotes for full coverage car insurance in every state in the USA for drivers of different ages.
Full Coverage Insurance Rates for Drivers 19-20 Years Old
| State | Full Coverage per month | Full Coverage per year |
|---|---|---|
| North Carolina | $91 | $1,092 |
| Hawaii | $94 | $1,129 |
| Idaho | $104 | $1,242 |
| Maine | $116 | $1,397 |
| Iowa | $123 | $1,477 |
| Indiana | $129 | $1,546 |
| South Dakota | $140 | $1,678 |
| Wyoming | $142 | $1,708 |
| North Dakota | $146 | $1,749 |
| Alaska | $149 | $1,792 |
| New Hampshire | $159 | $1,910 |
| Ohio | $160 | $1,921 |
| Missouri | $163 | $1,955 |
| Utah | $163 | $1,955 |
| Arizona | $164 | $1,973 |
| Colorado | $165 | $1,976 |
| Virginia | $166 | $1,990 |
| Mississippi | $168 | $2,017 |
| New Mexico | $169 | $2,033 |
| Vermont | $170 | $2,036 |
| Oklahoma | $175 | $2,101 |
| South Carolina | $175 | $2,102 |
| Nebraska | $177 | $2,120 |
| Tennessee | $178 | $2,133 |
| Kansas | $178 | $2,139 |
| Wisconsin | $180 | $2,163 |
| Nevada | $185 | $2,222 |
| Alabama | $188 | $2,259 |
| Oregon | $191 | $2,286 |
| Delaware | $191 | $2,296 |
| Florida | $196 | $2,356 |
| Minnesota | $204 | $2,445 |
| West Virginia | $219 | $2,631 |
| District of Columbia | $220 | $2,644 |
| Illinois | $220 | $2,645 |
| Montana | $222 | $2,664 |
| California | $223 | $2,678 |
| Texas | $233 | $2,793 |
| Washington | $237 | $2,839 |
| Georgia | $237 | $2,848 |
| Kentucky | $243 | $2,914 |
| New Jersey | $247 | $2,968 |
| Arkansas | $248 | $2,979 |
| Louisiana | $251 | $3,011 |
| Pennsylvania | $265 | $3,174 |
| Connecticut | $266 | $3,193 |
| Massachusetts | $277 | $3,322 |
| Rhode Island | $334 | $4,009 |
| New York | $352 | $4,225 |
| Michigan | $398 | $4,772 |
| Maryland | $482 | $5,781 |
Full Coverage Insurance Cost for Drivers 21-22
| State | Full Coverage per month | Full Coverage per Year |
|---|---|---|
| Alabama | $135 | $1,624 |
| Alaska | $107 | $1,288 |
| Arizona | $115 | $1,378 |
| Arkansas | $165 | $1,980 |
| California | $164 | $1,969 |
| Colorado | $115 | $1,381 |
| Connecticut | $186 | $2,236 |
| District of Columbia | $154 | $1,844 |
| Delaware | $132 | $1,580 |
| Florida | $144 | $1,730 |
| Georgia | $154 | $1,850 |
| Hawaii | $93 | $1,115 |
| Idaho | $71 | $851 |
| Illinois | $150 | $1,797 |
| Indiana | $95 | $1,136 |
| Iowa | $90 | $1,082 |
| Kansas | $124 | $1,487 |
| Kentucky | $164 | $1,966 |
| Louisiana | $175 | $2,094 |
| Maine | $81 | $972 |
| Maryland | $164 | $1,972 |
| Massachusetts | $212 | $2,542 |
| Michigan | $273 | $3,278 |
| Minnesota | $151 | $1,815 |
| Mississippi | $116 | $1,388 |
| Missouri | $119 | $1,426 |
| Montana | $139 | $1,668 |
| Nebraska | $130 | $1,560 |
| Nevada | $136 | $1,633 |
| New Hampshire | $111 | $1,330 |
| New Jersey | $181 | $2,170 |
| New Mexico | $125 | $1,502 |
| New York | $252 | $3,021 |
| North Carolina | $79 | $945 |
| North Dakota | $106 | $1,272 |
| Ohio | $160 | $1,921 |
| Oklahoma | $126 | $1,517 |
| Oregon | $132 | $1,585 |
| Pennsylvania | $190 | $2,280 |
| Rhode Island | $231 | $2,775 |
| South Carolina | $123 | $1,479 |
| South Dakota | $104 | $1,250 |
| Tennessee | $116 | $1,397 |
| Texas | $159 | $1,908 |
| Utah | $111 | $1,334 |
| Vermont | $112 | $1,349 |
| Virginia | $116 | $1,396 |
| Washington | $170 | $2,038 |
| West Virginia | $133 | $1,601 |
| Wisconsin | $120 | $1,434 |
| Wyoming | $104 | $1,249 |
Full Coverage Insurance Cost for Drivers 23-25
| State | Full Coverage per month | Full Coverage per year |
|---|---|---|
| Alabama | $107 | $1,284 |
| Alaska | $82 | $981 |
| Arizona | $91 | $1,093 |
| Arkansas | $129 | $1,545 |
| California | $141 | $1,692 |
| Colorado | $93 | $1,114 |
| Connecticut | $138 | $1,658 |
| District of Columbia | $120 | $1,435 |
| Delaware | $166 | $1,997 |
| Florida | $114 | $1,370 |
| Georgia | $122 | $1,460 |
| Hawaii | $92 | $1,101 |
| Idaho | $53 | $636 |
| Illinois | $119 | $1,431 |
| Indiana | $71 | $851 |
| Iowa | $70 | $843 |
| Kansas | $97 | $1,166 |
| Kentucky | $125 | $1,501 |
| Louisiana | $142 | $1,701 |
| Maine | $62 | $743 |
| Maryland | $120 | $1,444 |
| Massachusetts | $133 | $1,594 |
| Michigan | $221 | $2,647 |
| Minnesota | $116 | $1,390 |
| Mississippi | $88 | $1,060 |
| Missouri | $93 | $1,112 |
| Montana | $99 | $1,189 |
| Nebraska | $102 | $1,223 |
| Nevada | $105 | $1,263 |
| New Hampshire | $89 | $1,066 |
| New Jersey | $139 | $1,672 |
| New Mexico | $92 | $1,104 |
| New York | $194 | $2,332 |
| North Carolina | $74 | $882 |
| North Dakota | $82 | $978 |
| Ohio | $83 | $990 |
| Oklahoma | $99 | $1,187 |
| Oregon | $100 | $1,202 |
| Pennsylvania | $151 | $1,810 |
| Rhode Island | $174 | $2,086 |
| South Carolina | $97 | $1,158 |
| South Dakota | $104 | $1,250 |
| Tennessee | $88 | $1,053 |
| Texas | $132 | $1,579 |
| Utah | $83 | $996 |
| Vermont | $90 | $1,074 |
| Virginia | $91 | $1,093 |
| Washington | $129 | $1,542 |
| West Virginia | $103 | $1,233 |
| Wisconsin | $94 | $1,131 |
| Wyoming | $84 | $1,006 |
Full Coverage Insurance Cost for Drivers 26-29
| State | Full Coverage per month | Full Coverage per year |
|---|---|---|
| Alabama | $95 | $1,136 |
| Alaska | $110 | $1,319 |
| Arizona | $82 | $986 |
| Arkansas | $110 | $1,319 |
| California | $124 | $1,485 |
| Colorado | $86 | $1,026 |
| Connecticut | $125 | $1,496 |
| District of Columbia | $108 | $1,296 |
| Delaware | $94 | $1,131 |
| Florida | $104 | $1,249 |
| Georgia | $107 | $1,286 |
| Hawaii | $91 | $1,087 |
| Idaho | $47 | $567 |
| Illinois | $105 | $1,256 |
| Indiana | $64 | $772 |
| Iowa | $63 | $760 |
| Kansas | $86 | $1,029 |
| Kentucky | $113 | $1,357 |
| Louisiana | $128 | $1,537 |
| Maine | $54 | $645 |
| Maryland | $112 | $1,345 |
| Massachusetts | $123 | $1,479 |
| Michigan | $204 | $2,451 |
| Minnesota | $104 | $1,243 |
| Mississippi | $79 | $942 |
| Missouri | $87 | $1,041 |
| Montana | $89 | $1,073 |
| Nebraska | $90 | $1,085 |
| Nevada | $98 | $1,175 |
| New Hampshire | $77 | $924 |
| New Jersey | $124 | $1,493 |
| New Mexico | $82 | $986 |
| New York | $170 | $2,038 |
| North Carolina | $71 | $850 |
| North Dakota | $72 | $860 |
| Ohio | $71 | $857 |
| Oklahoma | $92 | $1,101 |
| Oregon | $91 | $1,096 |
| Pennsylvania | $137 | $1,645 |
| Rhode Island | $156 | $1,873 |
| South Carolina | $84 | $1,009 |
| South Dakota | $69 | $833 |
| Tennessee | $78 | $935 |
| Texas | $115 | $1,377 |
| Utah | $76 | $906 |
| Vermont | $79 | $948 |
| Virginia | $79 | $947 |
| Washington | $114 | $1,371 |
| West Virginia | $93 | $1,111 |
| Wisconsin | $82 | $985 |
| Wyoming | $72 | $862 |
Full Coverage Insurance Cost for Drivers 30-65
| State | Full Coverage per month | Full Coverage per year |
|---|---|---|
| Alabama | $82 | $988 |
| Alaska | $64 | $764 |
| Arizona | $73 | $876 |
| Arkansas | $93 | $1,110 |
| California | $106 | $1,276 |
| Colorado | $78 | $935 |
| Connecticut | $111 | $1,334 |
| District of Columbia | $96 | $1,156 |
| Delaware | $89 | $1,064 |
| Florida | $96 | $1,153 |
| Georgia | $90 | $1,075 |
| Hawaii | $89 | $1,071 |
| Idaho | $41 | $490 |
| Illinois | $90 | $1,080 |
| Indiana | $58 | $693 |
| Iowa | $56 | $675 |
| Kansas | $74 | $890 |
| Kentucky | $98 | $1,179 |
| Louisiana | $114 | $1,372 |
| Maine | $45 | $545 |
| Maryland | $110 | $1,325 |
| Massachusetts | $115 | $1,379 |
| Michigan | $188 | $2,254 |
| Minnesota | $93 | $1,110 |
| Mississippi | $68 | $810 |
| Missouri | $82 | $984 |
| Montana | $80 | $957 |
| Nebraska | $79 | $947 |
| Nevada | $92 | $1,109 |
| New Hampshire | $65 | $780 |
| New Jersey | $109 | $1,310 |
| New Mexico | $75 | $897 |
| New York | $305 | $3,660 |
| North Carolina | $67 | $805 |
| North Dakota | $63 | $750 |
| Ohio | $61 | $730 |
| Oklahoma | $86 | $1,030 |
| Oregon | $83 | $990 |
| Pennsylvania | $957 | $11,480 |
| Rhode Island | $138 | $1,659 |
| South Carolina | $72 | $860 |
| South Dakota | $60 | $715 |
| Tennessee | $67 | $800 |
| Texas | $96 | $1,150 |
| Utah | $69 | $825 |
| Vermont | $68 | $820 |
| Virginia | $66 | $790 |
| Washington | $103 | $1,230 |
| West Virginia | $81 | $970 |
| Wisconsin | $71 | $850 |
| Wyoming | $59 | $710 |
Full Coverage Insurance Cost for Drivers 65+
| State | Full Coverage per month | Full Coverage per year |
|---|---|---|
| Alabama | $89 | $1,063 |
| Alaska | $65 | $785 |
| Arizona | $71 | $848 |
| Arkansas | $84 | $1,010 |
| California | $119 | $1,430 |
| Colorado | $95 | $1,140 |
| Connecticut | $126 | $1,507 |
| District of Columbia | $87 | $1,040 |
| Delaware | $90 | $1,080 |
| Florida | $110 | $1,314 |
| Georgia | $107 | $1,280 |
| Hawaii | $89 | $1,070 |
| Idaho | $57 | $687 |
| Illinois | $96 | $1,148 |
| Indiana | $58 | $690 |
| Iowa | $56 | $671 |
| Kansas | $69 | $825 |
| Kentucky | $115 | $1,375 |
| Louisiana | $134 | $1,610 |
| Maine | $50 | $595 |
| Maryland | $121 | $1,450 |
| Massachusetts | $104 | $1,245 |
| Michigan | $199 | $2,390 |
| Minnesota | $104 | $1,250 |
| Mississippi | $72 | $869 |
| Missouri | $83 | $990 |
| Montana | $82 | $984 |
| Nebraska | $80 | $960 |
| Nevada | $106 | $1,274 |
| New Hampshire | $72 | $863 |
| New Jersey | $103 | $1,231 |
| New Mexico | $74 | $882 |
| New York | $383 | $4,599 |
| North Carolina | $65 | $780 |
| North Dakota | $60 | $725 |
| Ohio | $66 | $790 |
| Oklahoma | $85 | $1,020 |
| Oregon | $93 | $1,112 |
| Pennsylvania | $117 | $1,401 |
| Rhode Island | $137 | $1,645 |
| South Carolina | $79 | $950 |
| South Dakota | $64 | $773 |
| Tennessee | $70 | $840 |
| Texas | $64 | $764 |
| Utah | $82 | $986 |
| Vermont | $63 | $760 |
| Virginia | $71 | $855 |
| Washington | $105 | $1,260 |
| West Virginia | $84 | $1,005 |
| Wisconsin | $77 | $920 |
| Wyoming | $65 | $774 |
Another main factor determining your full coverage auto insurance quotes is your age and gender. Studies show that young drivers are more reckless on the wheels. Females usually pay less for car insurance than males on average since males are considered a higher risk due to overconfidence, which often leads to accidents. Below is average full coverage car insurance quotes per year by age and gender. Of course, the rates may vary by many other factors, including your state and vehicle type.
| Age | Male | Female |
|---|---|---|
| 16 | $ 6,900 | $6 ,400 |
| 17 | $ 6,850 | $ 6,400 |
| 18 | $ 6,500 | $ 6,750 |
| 19 | $ 6,000 | $ 5,400 |
| 20 | $5,300 | $4,800 |
| 21 | $4,500 | $4,000 |
| 22 | $4,150 | $3,950 |
| 23 | $3,900 | $3,700 |
| 24 | $3,700 | $3,500 |
| 25 | $3,250 | $3,150 |
Insurance companies look at the make and model of your car when determining premiums. Take a look at this table that shows the estimated rates of car insurance quotes for the most popular car brands in the USA:
| Brand and Model | Cost per Month | Cost per Year |
|---|---|---|
| Volkswagen Jetta | $120 | $1,438 |
| Toyota Camry | $128 | $1,532 |
| Nissan Sentra | $197 | $2,361 |
| Nissan Altima | $130 | $1,560 |
| Hyundai Elantra | $360 | $4,316 |
| Honda Accord | $125 | $1,500 |
| Ford Focus | $143 | $1,716 |
| Toyota Corolla | $123 | $1,473 |
| Lamborghini Aventador | $567 | $6,800 |
| Lamborghini Huracan | $433 | $5,200 |
| Lamborghini Murcielago | $350 | $4,200 |
| Lamborghini Gallardo | $350 | $4,200 |
| Lamborghini Urus | $500 | $6,000 |
| Tesla 3 | $153 | $1,832 |
| Tesla S | $246 | $2,946 |
| Tesla X | $207 | $2,481 |
| Tesla Y | $230 | $2,756 |
| Tesla Roadster | $150 | $1,800 |
Experienced drivers pay less for auto insurance. Insurers provide them with lower quotes thanks to a lower risk due to experience. Of course, many other factors can affect these prices. If you are an experienced driver with a terrible driving record, you are less likely to enjoy lower car insurance quotes. Please find some typical car insurance quotes by gender for professional drivers per year across the USA.
| Gender | Average car insurance quote per year |
|---|---|
| Male | $1,548 |
| Female | $1,468 |
Aside from gender, it’s also worth knowing the average annual auto insurance quotes based on credit score and marital status.
| Driver Credit Score/Marital Status | Average Annual Quote |
|---|---|
| Good credit | $951 |
| Poor Credit | $1,671 |
| Married couple | $2,032 |
| A married couple with a teenager | $2,904 |
Trusted companies do not offer any no-deposit or no-down-payment car insurance. You still have to pay at least the first month\'s premium in advance rather than the annual lump sum at once, which makes it a reasonably affordable deal. While paying your premiums all at once can save some money on your car insurance, it is less convenient for some. Therefore you can simply get very cheap car insurance with a low deposit or down-payment.
Below you can find a list of very cheap car insurance with low deposit/down-payment providers that offer the best car insurance rates with an average car insurance cost per month of $100 or less and our rating of each auto insurance provider. It should help you find the best, cheapest car insurance deposit possible without compromising on the quality of your provider.
Here are the cheapest car insurance companies with relatively low down payments:
| Company | Insuranks Rating | Average Monthly Quote | Best For |
|---|---|---|---|
| USAA | 4.75/5 | $34 | Military families |
| GEICO | 4.5/5 | $40 | Cheapest car insurance quotes if you\'re not in the army |
| State Farm | 4.5/5 | $52 | Peace of mind |
| ClearCover | 3.8/5 | $55 | Technology-centric car insurance |
| Gabi | 4/5 | $60 | Online auto insurance comparison |
| Progressive | 4.8/5 | $63 | Coverage standards and high-risk drivers |
| Root | 3/5 | $65 | Low rates; Tech-savvy drivers looking to get rewarded for improving their driving through the app |
| Mercury | 3.9/5 | $70 | Cheapest rates for a basic coverage |
| NJM | 4.5/5 | $79 | Best car insurance for DUI in NJ, PA, CT, and OH |
| Costco Ameriprise | 3.7/5 | $86 | Discounts |
| Erie | 4.1/5 | $87 | New Drivers |
| Amica | 4.5/5 | $100 | Customer satisfaction |
| Travelers | 4.5/5 | $100 | Tailored car insurance policies at affordable rates |
| Freeway | 3.7/5 | $100 | High-risk drivers, Spanish speakers & drivers in need of SR22 |
As you can see from the comparison table, the cheapest car insurance company is USAA, with an average car insurance cost of $35 per month. But you have to be in the military or be related to someone in the military to get covered.
As said earlier, auto insurance companies determine your rates based on many factors, like age, gender, state of residence and location, vehicle type, driving record, driving habits, credit score, and coverage type. Although the prices vary due to these factors, premium quotes can be predicted for the average car insurance company. Take a look at the national average full coverage and minimum coverage car insurance quotes for some of the most popular car insurance companies in 2022.
Company | Full coverage quote per year | Full coverage quote per month | Minimum coverage quote per year | Minimum coverage quote per month |
|---|---|---|---|---|
| Allstate | $1,850 | $154 | $785 | $65 |
| GEICO | $1,175 | $98 | $480 | $40 |
| Progressive | $1,390 | $116 | $750 | $63 |
| State Farm | $1,250 | $104 | $625 | $52 |
| USAA | $885 | $74 | $405 | $34 |
Generally, getting car insurance quotes online can take around 10-15 minutes.
While getting one car insurance quote shouldn\'t take more than 1-2 minutes, sometimes it depends on the specifications of the application.
Our Two Cents: Go through as many options and get car insurance quotes from many companies, collect quotes and have all options on your table, and only then choose the best coverage for your specific auto insurance needs at the best rate from the best rated companies.
do not affect, nor hurt, your credit score.
However, every time car insurance companies run your credit report so they can give you their free quotes, an inquiry is being added to your credit report.
These inquiries have no effect on your credit score. It doesn\'t hurt your credit in any way and you can find them on your personal credit reports.
92% of insurers now take credit into account when determining auto insurance quotes.
Why? Taking your credit into account helps them predict their losses and the risk they are carrying by covering you.
If you have an excellent credit score, you will receive cheaper car insurance quotes compared to the quotes a driver with a bad credit score would get.
Also read: States with Cheapest Car Insurance Rates
When it comes to getting the best deal on your car insurance rates, there are several paths you can follow in how to compare car insurance quotes. You can use car insurance comparison sites, contact a broker or agency, or simply go directly to the insurance agent to get cheap auto insurance online. Each approach has its advantages and disadvantages, but it can be hard to work out which one works best for you, given the vast choice of options.
That\'s why we\'ve put together "The ultimate shopping guide for auto insurance quotes. " We\'ve looked at 12 key parameters that you need to consider when you\'re looking for low-cost auto insurance, namely:
Time: How much time and effort is needed to source the car insurance quotes?
Online: Can you search for auto insurance quotes online and buy car insurance online?
Phone: Can you use your phone to call and get car insurance quotes?
Face to face: Can you source affordable car insurance via a face-to-face meeting?
Rates: Can you get cheap car insurance rates using this method?
Coverage: How good is the policy offered? How much does it fits your needs rather than providing you with insufficient coverage or coverage that is beyond what you need?
Choice: Can you compare car insurance rates from a range of companies?
Speed: How fast is it to get car insurance quotes? How long does it take to implement a new policy once you get the quotes?
Saving: Are there cheap car insurance quotes that offer worthwhile discounts and savings?
All States: Do these free car insurance quotes can be applied in all states?
High Risk: Is cheap insurance for young drivers, learners, and other high-risk drivers available?
Ease: How easy is the process when you compare car insurance quotes?
We\'ll consider the main pros and cons of each approach to sourcing auto insurance quotes. Then we\'ll use the same metrics to compare auto insurance from specific companies, brokers, and car insurance comparison sites. We\'ve used 1 to 5 scale ratings on our review:
5: Excellent
4: Good
3: Fair
2: Bad
1: Very bad
For convenience, speed, and ease of use, it\'s hard to beat auto insurance quotes comparison sites that offer free and instant car insurance quotes online. By simply providing information, clicking a button, and hey presto - you have a fast car insurance quotes comparison of what\'s on offer, making it easy to compare and contrast rates from a range of different companies and coverage options. What\'s not to like?
Well, there are several potential downsides to using an online comparison site. First, it may be giving undue prominence to sponsored deals which aren\'t necessarily the best solution for you. Second, the market coverage may be limited, meaning you could be missing out on specific deals that are only available directly. And probably most important of all, it may not be comparing like with like. Those cheap auto insurance quotes might look good on paper, but they may be hiding conditions like high deductibles or no accidental damage.
Having pointed out some of the shortcomings of online comparison sites, it\'s important to stress that, for the most part, they\'re a handy and welcome tool. These sites make it easy to compare auto insurance quotes, and if your time is limited, they\'re a great choice. You could spend a week phoning around all the different insurance companies, but if you end up saving yourself $25, was it worth it? Plus, the other side of the equation is that some great online deals can save you serious amounts of cash.
PROS
Just so quick and easy to use
Rates from a range of companies
Instant coverage is available
CONS
You may be missing out on certain deals, plus some companies may not be listed online on certain sites
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 3 |
| Face to face | 1 |
| Rates | 5 |
| Coverage | 4 |
| Choice | 5 |
| Speed | 5 |
| Savings | 5 |
| All States | 4 |
| High Risk | 3 |
| Ease | 5 |
With so many car insurance quotes comparison sites to choose from, we sometimes wonder whether there\'s a need for a comparison site for all the online comparison sites out there!
That said, going online is the best option for auto insurance quote comparisons, and if you want to buy cheap auto insurance online, they\'re the way to go. You want to find the site that is most relevant to your online auto insurance needs.
Comparison sites fall into three categories:
Actual insurance companies or agencies
Websites that genuinely compare rate
Lead generator sites that collect your details then send them to their partners - typically insurance companies or agents, in this instance.
In our experience, the leading sites are generally similar in terms of results and the services they offer. The most important thing you should check is how many insurance companies the website covers. Some sites are better than others in this respect, and many select their network of agents more carefully than others.
For comparison purposes, we\'ve considered the following:
Type: Insurance company or agency (ICA), comparison site (CS), and lead generator (LG)
Online quotes: Direct availability of car insurance quotes
Scope: The number of companies being compared to (e.g., excellent, good, fair, poor)
Accuracy: Comparison of initial auto insurance quote to the final auto insurance premium payment
Speed: Time it takes to process auto insurance quoting
Ease: User-friendliness of the website
We\'ve then given an overall score, plus our assessment of the pros and cons of each site. So here\'s our rating of the worst and best car insurance comparison sites:
| Website | Insuranks Score |
|---|---|
| CoverWallet | 5/5 |
| Gabi | 5/5 |
| CoverHound | 4.8/5 |
| Compare.com | 4.6/5 |
| PolicyGenius | 4.6/5 |
| Insurify | 4.4/5 |
| Insuranks.com | 4/5 |
| Esurance | 3.6/5 |
| The Zebra | 3.2/5 |
| NetQuote | 2.6/5 |
| CarInsurance.com | 2/5 |
| QuoteWizard | 2/5 |
| Quote.com | 2/5 |
| Insure.com | 0.8/5 |
| EverQuote | 0.6/5 |
CoverWallet is an insurance broker and an online quotes comparison platform that will allow you to compare car insurance quotes of trusted carriers such as Chubb, Hiscox, The Hartford, etc. All you need to do is provide some basic information.
PROS
Buy car insurance immediately - no need to contact the carrier providing the coverage
Online policy management
Free certificate of insurance
CONS
A partner of reputable insurance companies
BEST FOR: Commercial car insurance quotes comparison and purchase online
| Parameter | Rating |
|---|---|
| Type | Comparison Site |
| Online quotes | Mostly no |
| Scope | Excellent |
| Accuracy | Excellent |
| Speed | Excellent |
| Ease | Excellent |
Thanks to its ease of use and low-cost quotes, Gabi is one of the best car insurance quotes comparison sites and the highest-ranked one. Gabi is a free auto insurance comparison engine that helps you compare quotes online for your precise coverage requirements and find the best options fast from over 40 top insurance companies they\'ve partnered with. It is a fully licensed insurance broker in all states, where its average car insurance cost is $60 per month.
PROS
Excellent rates; Claims it saves $961 per year on average
Ease of use
Over 40 insurance companies
Fast online car insurance quotes comparison
Offers even lower rates for home and auto insurance bundles
CONS
Requires a sign-up
Shows the cheapest rates first by default (not always the best thing)
BEST FOR: Cheap auto insurance quotes through an online comparison engine
| Parameter | Rating |
|---|---|
| Type | Comparison Site |
| Online quotes | Yes |
| Scope | Excellent |
| Accuracy | Excellent |
| Speed | Excellent |
| Ease | Excellent |
CoverHound.com has some of the best comparison technologies in the market. It also works in partnership with several other sites.
PROS
Excellent user experience
Technologically advanced
Provides many different coverage options from multiple companies
Allows you to edit your required coverage details, customize them and add coverage as you wish to receive quotes for your exact auto insurance needs
Automatically calculate discounts
Accurate final rates due to a direct relationship with 26 auto insurance carriers
CONS
Not available in Alaska, Hawaii, and Massachusetts
Some of the best car insurance providers are not included in their comparison
BEST FOR: User experience and quote accuracy.
| Parameter | Rating |
|---|---|
| Type | Insurance Agency |
| Online quotes | Yes |
| Scope | Good |
| Accuracy | Excellent |
| Speed | Excellent |
| Ease | Excellent |
PolicyGenius.com is one of the fastest-growing, independent comparison sites and works in partnership with CoverHound. It brings an innovative, user-friendly approach to online car insurance quote shopping and comparison.
PROS
A fresh, innovative approach
Easy to use
CONS
Not auto insurance-focused, offering all types of insurance
BEST FOR: Bundle discounts
| Parameter | Rating |
|---|---|
| Type | Comparison Site & Insurance Agency |
| Online quotes | Yes |
| Scope | Good |
| Accuracy | Good |
| Speed | Excellent |
| Ease | Excellent |
Compare.com is a car insurance comparison shopping website and licensed agency. It is a sister company of Confused.com, a UK car insurance comparison pioneer owned by Admiral, an international insurance group. Compare.com\'s average car insurance cost is $79 per month.
PROS
Compares auto insurance rates from over 50 companies
Auto insurance-focused
Trusted brand
CONS
Other websites offer a greater choice of customizable options.
BEST FOR: Multiple payment options
| Parameter | Rating |
|---|---|
| Type | Insurance Agency |
| Online quotes | Yes |
| Scope | Excellent |
| Accuracy | Excellent |
| Speed | Good |
| Ease | Good |
Insurify.com is a highly innovative insurance start-up and comparison site.
PROS
Fills in your vehicle information based on a photo of your license plate!
Provides an intelligent chatbot throughout the quoting process and customer support
Utilizes its great technology to match you based on your individual risk profile to carriers its AI thinks is best for you
Has direct partnerships with leading insurers (provided results from over ten insurers)
Claims to save $489 per year on average
CONS
Less comprehensive when it comes to post quoting, aka the purchase process
BEST FOR: Comparing auto insurance quotes from large, leading car insurance companies
| Parameter | Rating |
|---|---|
| Type | Insurance Agency |
| Online quotes | Yes |
| Scope | Good |
| Accuracy | Good |
| Speed | Excellent |
| Ease | Good |
Insuranks.com is the insurance comparison website you are currently visiting. It is an educational resource for insurance consumers that gives them higher awareness. Insuranks.com partners and ranks insurers, agencies, and even comparison sites based on customer ratings, reviews, and experiences. Its comparison tool connects you with the broadest variety of companies while educating you about them through content and customer reviews. Insuranks.com provides the best car insurance quotes you can find online.
To compare car insurance quotes through Insuranks.com, simply hop over to the top of this page and enter your ZIP code.
PROS
Superb coverage and choice of companies
Wonderfully simple
User-friendly interface
Very customer-centric and educational
Providing a large overview by partnering with everyone, insurance companies, agencies, brokers, aggregators, and other comparison sites
Customer reviews and ratings are available.
CONS
It doesn\'t list quotes
Only connects you to places where you can get them
BEST FOR: Education, ease of use, largest selection of insurance companies, deals you cannot find on other comparison sites
| Parameter | Rating |
|---|---|
| Type | Comparison Site |
| Online quotes | Mostly no |
| Scope | Excellent |
| Accuracy | Excellent |
| Speed | Excellent |
| Ease | Excellent |
Esurance.com is a direct insurance company that is a wholly-owned subsidiary of Allstate, targeted at customers who prefer to buy insurance online or on the phone.
PROS
Trusted brand
Great interface, handy online tools, and powerful apps
CONS
Only provides suggestions for few other insurers, without providing real-time quotes, its sole purpose is to sell its policies rather than those of other insurers
Only available in 42 states at the moment, but constantly expanding
BEST FOR: Time-poor, tech-savvy users
| Parameter | Rating |
|---|---|
| Type | Insurance Company |
| Online quotes | Yes |
| Scope | Fair |
| Accuracy | Poor |
| Speed | Excellent |
| Ease | Excellent |
Zebra insurance quotes promise insurance in black and white, hence the name!
In real life, their user experience is excellent for collecting the information and required coverage details. However, receiving only one actual priced quote was disappointing, with four other options practically ads within their top 5 quotes.
After scrolling down to look at other results, five other actual-priced quotes weren\'t cheap at all.
When clicking on one of the results, we were transferred to the partner company\'s website with the information pre-filled, yet our real-life quote at the partner website was almost double the zebra car insurance quotes.
The average car insurance cost we got through The Zebra was $120 per month.
PROS
Simple to use, friendly interface
CONS
It doesn\'t always show actual quotes, and when it does, it wasn\'t accurate
BEST FOR: User-friendliness
| Parameter | Rating |
|---|---|
| Type | Comparison Site / Agency |
| Online quotes | Inconsistent |
| Scope | Good |
| Accuracy | Poor |
| Speed | Good |
| Ease | Excellent |
NetQuote.com is one of the longest established lead-generation type comparison sites.
Their lead form consists of 5 stages: vehicle, drivers, coverage, incidents, and contact information. Very user-friendly and to the point. After filling up the information, we received online ads. No accurate quotes. They also sell your lead information to their company and agent partners, who then get in touch with you to give you offers based on this information.
PROS
It covers other insurance types
Complete one user-friendly form for multiple quotes
CONS
Be ready to receive LOTS of calls as such sites sell your lead information to whoever pays for them
BEST FOR: Those who want to receive direct calls about car insurance rather than get it done online
| Parameter | Rating |
|---|---|
| Type | Lead Generation |
| Online quotes | No |
| Scope | Fair |
| Accuracy | Poor |
| Speed | Excellent |
| Ease | Excellent |
CarInsurance.com is a lead generator owned by QuinStreet Inc, an online digital marketplace pioneer. It doesn\'t provide online quotes, and after you fill in your details, itsimply connects you with minimal 1 to 5 auto insurance options, which you can click on to get your quotes from, but you will have to fill in your details all over again.
PROS
Easy to use interface
CONS
It doesn\'t provide quotes. It only sells your leads and connects you to third-party partner sites where you will have to re-enter your details all over again.
A very limited number of results (1 to 5)
BEST FOR: Drivers in a rush to get coverage who don\'t mind the poor selection and experience
| Parameter | Rating |
|---|---|
| Type | Lead Generator |
| Online quotes | No |
| Scope | Poor |
| Accuracy | Poor |
| Speed | Excellent |
| Ease | Excellent |
QuoteWizard.com claims to compare carrier and agent rates nationally and locally. Lending Tree owns it. Its review is identical to that of Quote.com as it provides the exact experience.
PROS
Friendly interface
CONS
Matched us with one result without an online quote
BEST FOR: Friendly interface for form filling
| Parameter | Rating |
|---|---|
| Type | Lead Generation |
| Online quotes | No |
| Scope | Poor |
| Accuracy | Poor |
| Speed | Excellent |
| Ease | Excellent |
Quote.com claims to provide insurance quotes from leading carriers. However, a lead generation website collects your information and matches you with its partners in real life.
After filling out their online form several times with different information, we only received two matches online of the same two leading carriers with no accurate quotes, claiming that 15 others were "below rate threshold ". Upon clicking through, we were referred to their websites with the entered information pre-filled on their website, so we just had to fill out a bit more required information to get an actual quote.
PROS
Intuitive and easy to use the form
CONS
Only matched us with two carriers online with no accurate quotes
BEST FOR: Form ease of use
| Parameter | Rating |
|---|---|
| Type | Lead Generation |
| Online quotes | No |
| Scope | Poor |
| Accuracy | Poor |
| Speed | Excellent |
| Ease | Excellent |
Similar to CarInsurance.com, Insure.com is another comparison site owned by leading online digital company QuinStreet Inc.
PROS
User-friendly interface
CONS
Much like its sister company, CarInsurance.com, Insure.com doesn\'t provide rates but gives back car insurance ads after filling in their detailed form, which is then sold as a lead to their partners, which will contact you
BEST FOR: Same as Everquote.
| Parameter | Rating |
|---|---|
| Type | Lead Generation |
| Online quotes | No |
| Scope | Poor |
| Accuracy | Poor |
| Speed | Poor |
| Ease | Good |
EverQuote.com is one of the biggest lead generators in the insurance space.
PROS
Unavailable
CONS
It doesn\'t provide any quotes or added value, just car insurance ads, even very few ad options
Long and exhausting form filling that doesn\'t end up with any quotes, only with ads, they then sell your information as a lead to anyone that buys it from them, beware
BEST FOR: Drivers who want their lead information sold to auto insurance carriers and agents through EverQuote.
| Parameter | Rating |
|---|---|
| Type | Lead Generation |
| Online quotes | No |
| Scope | Poor |
| Accuracy | Poor |
| Speed | Poor |
| Ease | Fair |
One of the greatest disadvantages of the Internet is that it\'s made us forget the value, pleasure, and security of doing business face to face. You can use your computer to get cheap car insurance quotes online or make a call on your phone. But, sometimes, nothing beats the experience of a good old-fashioned personal business relationship.
Using a broker or an agency to get free car insurance quotes sometimes offers many advantages over buying car insurance online. Yes, the process usually takes a little longer, particularly initially, but over time, you may find that using a broker or agent will save you time.
Before going any further, it\'s essential to explain the difference between an insurance broker and an insurance agent. A broker is fully independent and can recommend solutions from any insurance company that allows brokers to sell their policies. In that respect, the broker is working for you, the buyer. They make their money through commissions or fees on the products they sell.
An agent, on the other hand, is an extension of the insurer. A captive agent typically represents one or two companies, whereas an independent agent works on behalf of multiple insurers. Some captive agents are salaried, but for the most part, agents also make their money through commissions or fees on the products they sell. By the way, both brokers and agents should provide you with details of their commission structures on any products they sell.
But regardless of commissions and fees, both brokers and agencies are insurance experts. It\'s their business to know about all the policy options, latest offers, and new product developments. They know the auto insurance market inside out, and you can benefit directly from their experience. They\'ll take the time to talk to you so they fully understand your exact needs and can then recommend affordable auto insurance that suits you down to the ground.
There\'s more. The advice they offer is impartial, and because of their wide knowledge and experience, they\'ll often recommend companies or deals that you didn\'t even know existed. Brokers and agents also offer proactive advice and are on hand to provide expert assistance in the event of a claim. If you\'re a people person who wants a quality auto quote, an agent or broker is the way to go.
Having listed all the advantages of using an agent or broker, are there any downsides? The answer is a coded yes. The most obvious drawback is that using a broker typically takes up more of your time.
By going online, on the other hand, you can compare cheap auto insurance quotes online at the click of a mouse. Using an agent or broker is a more drawn-out process, although that\'s not necessarily a problem for many people.
But there\'s also another potential issue. When choosing an agent or broker, you want to make sure that you get a good one! As with any line of work, there are highly professional insurance brokers and agents out there, but some are not so good. You can make your judgments, but in our experience, the best idea is to ask people you know for a personal recommendation.
PROS
You can benefit directly from their expertise and market knowledge
Choice of coverage from many different companies
The personal touch
CONS
It takes time, plus the risk of choosing a dud broker or agent
| Parameter | Rating |
|---|---|
| Time | 1 |
| Online | 2 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 5 |
| Speed | 3 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
| Ease | 3 |
When looking for free auto insurance quotes, one of the best ideas is to contact insurance providers directly. Although you could use one of the price comparison sites to look for cheap car insurance online, there are some disadvantages. Firstly, some insurers don\'t feature on such sites, and secondly, specific deals are only available if you go direct.
Of course, the biggest downside to contacting companies directly is that it takes a lot of time and effort on your part. The attraction of finding a great deal by going direct rather loses its appeal when you have to repeat all your details for the 15th time!
That said, you can be smart and short circuit the process. How so? By asking your friends, family, and colleagues who they use for their auto insurance. Their advice will be based on real-life experience and is guaranteed to be impartial. Armed with their recommendations, it\'s much easier to draw up a more focused target list of companies to contact.
PROS
Often, you can get the best deals by going direct
You\'re not paying commission to a broker or online site
Greater choice and flexibility on policy options
CONS
It takes a lot of effort on your part to contact every single company
| Parameter | Rating |
|---|---|
| Time | 1 |
| Online | 5 |
| Phone | 5 |
| Face to face | 3 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 5 |
| Ease | 1 |
We\'ve selected some of the best car insurance companies and providers in America and compared them on our range of metrics. Here\'s our review of getting direct car insurance quotes from the best, cheap auto insurance companies.
Direct Car Insurance Quotes Comparison: Companies & Rates Table
| Company | Insuranks Score | Average Monthly Quote | Best For |
|---|---|---|---|
| NEXT | 5/5 | $62.5 | Commercial auto insurance for independent professionals |
| Hiscox | 4.9/5 | $64 | Commercial auto insurance with worldwide coverage |
| Progressive | 4.8/5 | $63 | Coverage standards and high risk drivers |
| USAA | 4.75/5 | $35 | Military people and their families |
| GEICO | 4.5/5 | $50 | Cheap car insurance rates |
| State Farm | 4.5/5 | $52 | Peace of mind |
| Amica | 4.5/5 | $100 | Customer satisfaction |
| Travelers | 4.5/5 | $100 | Tailored car insurance policies at affordable rates |
| MetLife | 4.4/5 | $130 | New car owners |
| Nationwide | 4.3/5 | $120 | Poor credit |
| Allstate | 4.3/5 | $110 | Customer service & coverage options |
| Erie | 4.1/5 | $87 | New drivers |
| Root | 3/5 | $65 | Low rates; Millennials looking to get rewarded for improving as drivers |
| Mercury | 3.9/5 | $70 | Basic coverage rates |
| ClearCover | 3.8/5 | $55 | Technology-centric car insurance |
| Farmers | 3.7/5 | $125 | Teenagers and young drivers |
| Freeway | 3.7/5 | $100 | High-risk drivers, Spanish speakers & SR22 |
| Costco Ameriprise | 3.7/5 | $86 | Discounts |
| Safe Auto | 3.5/5 | $110 | High-risk drivers |
NEXT only sells commercial auto insurance. This company provides fast online quotes within minutes. Also, discounts apply if you choose to buy other business insurance policies from this company.
Average car insurance cost per month : $62.5
PROS
Responsive agents
Fast quotes
Policy cancellation with no charges
CONS
Has a lot of customer complaints in BBB
BEST FOR:Commercial auto insurance for independent professionals
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 4 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
| Ease | 5 |
Hiscox is another insurance company that only offers commercial auto insurance. This company provides worldwide coverage for commercial vehicles.
Average car insurance cost per month: $64
PROS
Worldwide coverage
Accurate quotes
No hidden charges
CONS
Poor third party reviews
BEST FOR: Commercial auto insurance with worldwide coverage
| Parameter | Rating |
|---|---|
| Time | 4 |
| Online | 3 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 4 |
| Coverage | 3 |
| Choice | 4 |
| Speed | 3 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
| Ease | 5 |
Progressive is the 3rd largest car insurance provider in America. To get your Progressive auto insurance quote, visit Progressive.
Average car insurance cost per month : $63
PROS
Excellent coverage as standard
Unbelievable choice of options
Brilliant range of online resources, including the quote tool
CONS
Not the best for high-risk drivers
BEST FOR: Setting fantastic standards for any coverage.
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 5 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 5 |
Read more: How much is Progressive car insurance cost.
USAA is the leading provider of insurance to military members, veterans, and their families, known for its excellent rates and reliability. To apply for your USAA auto insurance quote, visit USAA.
: $35
PROS
Great deals for military personnel and their families
Excellent reputation for customer service
Useful additional benefits
Among the cheapest car insurance quotes
CONS
Not open to non-military customers
BEST FOR: Military members, veterans, and their families.
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 3 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 4 |
| Ease | 5 |
Read more: How much is USAA car insurance cost
AAA (American Automobile Assurance) doesn\'t provide insurance but offers some great auto insurance policies via its partners. To read reviews and apply for AAA auto insurance quotes, visit AAA Insurance.
Average car insurance cost per month : $100
PROS
Great personal service
Some useful additional benefits
Very competitive rates for AAA members
CONS
Insurance is provided via a third party
| Parameter | Rating |
|---|---|
| Time | 3 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 3 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 3 |
| Ease | 3 |
GEICO is the 2nd largest provider of auto insurance in America. To apply for your GEICO auto insurance quote, visit GEICO.
Average car insurance cost per month: $50
PROS
Trusted brand
Excellent customer service
User-friendly website and app
Great rates
CONS
Only available direct
BEST FOR: Cheap car insurance rates
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 5 |
Read more: How much is GEICO car insurance cost
Travelers is a long-established, top 10 company in car insurance. To get your Travelers auto insurance quote, visit Travelers.
Average car insurance cost per month : $100
PROS
Excellent multi-policy discounts
Easy to tailor your policy
Trusted brand
CONS
Certain features not available in some states
BEST FOR: Drivers who require an affordable car insurance policy that\'s tailored to their specific needs from a trusted company.
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
| Ease | 5 |
Amica is America\'s longest-established mutual insurer of automobiles. To apply for your Amica auto insurance quote, visit Amica.
Average car insurance cost per month: $100
PROS
Fantastic customer service
Excellent choice of auto insurance policies and coverage options
Still a mutual
CONS
Not available in all states
| Parameter | Rating |
|---|---|
| Time | 3 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 5 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
| Ease | 4 |
State Farm is the number one provider of car insurance in America. To get your State Farm auto insurance quote, visit State Farm.
Average car insurance cost per month: $52
PROS
Top brand
Personalized service
Great coverage
Cheap rates
Mutual
CONS
Not enough choice of coverages
Not the ideal company for high-risk drivers
BEST FOR: Drivers who want to be on the safe side and seek the peace of mind that there is a reliable company behind them, that they are well covered and get good service
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 5 |
Read more: How much is State Farm car insurance cost
MetLife has been providing insurance services to customers since 1863. To apply for your MetLife auto insurance quote, visit MetLife Insurance.
Average car insurance cost per month : $130
PROS
Reasonable rates via workplace affiliations
Great range of policies and options
Trusted brand
CONS
Customer service can be patchy at times
BEST FOR: New auto owners.
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 3 |
| Coverage | 5 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 5 |
Nationwide is one of the top 10 car insurance companies in America. To apply for your Nationwide auto insurance quote, visit Nationwide.
Average car insurance cost per month: $120
PROS
The online quote tool is really good
Some nice add-ons, perks, and additional resources
Easy to do business with
CONS
Some policies lack flexibility
BEST FOR: Drivers with poor credit.
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 2 |
| Coverage | 3 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 5 |
| Ease | 5 |
Allstate is one of the top 4 auto insurance companies in America. To apply for your Allstate auto insurance quote, visit Allstate.
Average car insurance cost per month: $110
PROS
Super local service via agents
Great range of auto insurance policies
It covers all your insurance needs
CONS
Quality comes at a price
BEST FOR: Customer service & coverage options
| Parameter | Rating |
|---|---|
| Time | 3 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 2 |
| Speed | 5 |
| Savings | 3 |
| All States | 5 |
| High Risk | 3 |
| Ease | 5 |
Read more: How much does Allstate car insurance cost?
Mercury is one of the best providers of low-cost car insurance. To apply for your Mercury auto insurance quote, visit Mercury.
Average car insurance cost per month: $70
PROS
Affordable rates
Good for military families
Wide range of discounts
CONS
Coverage is fairly basic compared to some competitors
Only available in a limited number of states
BEST FOR: Low-maintenance drivers who seek cheap car insurance rates on very basic coverage.
| Parameter | Rating |
|---|---|
| Time | 4 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 1 |
| High Risk | 3 |
| Ease | 5 |
ClearCover is one of the newer players on the market and has a great technology focus. To apply for your ClearCover auto insurance quote, visit ClearCover.
Average car insurance cost per month : $55
PROS
Great for techies!
Competitive car insurance rates
Innovative approach
CONS
Not available in all states
BEST FOR: Technology-centric car insurance
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 1 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 3 |
| Ease | 5 |
American Family Insurance provides Costco Ameriprise for Costco members. To apply for a Costco Ameriprise auto insurance quote, visit Costco.
Average car insurance cost per month: $86
PROS
Excellent rates and savings
Standard coverage is generous
Additional benefits for members
CONS
Online experience on both website and app could be better
BEST FOR: Discounts
| Parameter | Rating |
|---|---|
| Time | 3 |
| Online | 3 |
| Phone | 5 |
| Face to face | 1 |
| Rates | 5 |
| Coverage | 5 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 3 |
Farmers is one of the top ten providers of car insurance in America. To apply for your Farmers auto insurance quote, visit Farmers.
Average car insurance cost per month : $125
PROS
Wide range of customizable products
Excellent local presence
Good one-stop-shop
CONS
The quality of customer service can depend on how good your agent is
BEST FOR: Teenagers and young drivers
| Parameter | Rating |
|---|---|
| Time | 3 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 3 |
| Coverage | 5 |
| Choice | 1 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 4 |
Freeway Insurance is America\'s largest privately-owned insurance distribution company. To apply for your Freeway Insurance auto insurance quote, visit Freeway Insurance.
Average car insurance cost per month: $100
PROS
Wonderfully easy-to-use website
Low rates
Good for high-risk drivers
CONS
Charge a fee for their services, plus the coverage is via a third party
BEST FOR: High-risk drivers, Spanish speakers, and SR22
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 3 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 5 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
Ease | 5 |
Liberty Mutual is one of the biggest and longest-established auto insurance companies. To apply for your Liberty Mutual auto insurance quote, visit Liberty Mutual.
Average car insurance cost per month: $150
PROS
Outstanding online experience via website and apps
Will consider high-risk drivers
CONS
Not the best rates we found
Only available direct
Denies too many claims
Customers complain about bad customer service
BEST FOR: Teen drivers
| Parameter | Rating |
|---|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5 |
| Rates | 1 |
| Coverage | 3 |
| Choice | 1 |
| Speed | 3 |
| Savings | 1 |
| All States | 5 |
| High Risk | 4 |
| Ease | 5 |
SafeAuto specializes in providing car insurance to customers who may not source it elsewhere, such as high-risk drivers. To get a Safe Auto car insurance quote, visit Safe Auto.
Average car insurance cost per month: $110
PROS
Flexible coverage is available
Good for high-risk drivers
CONS
Customer service is not always the best
BEST FOR: High-risk drivers
| Parameter | Rating |
|---|---|
| Time | 4 |
| Online | 3 |
| Phone | 3 |
| Face to face | 3 |
| Rates | 3 |
| Coverage | 4 |
| Choice | 2 |
| Speed | 5 |
| Savings | 5 |
| All States | 3 |
| High Risk | 5 |
| Ease | 3 |
Root is a new and innovative player in the car insurance market that bases its rates on driver behavior and rewards good drivers through an AI-based app that tracks your driving. To download the app and apply for your Root auto insurance quote, visit Root Car Insurance.
Average car insurance cost per month: $65
PROS
Low rates
Rewards safe drivers
Some excellent benefits included roadside assistance
CONS
Quote process is slow and requires a test drive for several weeks where the Root app\'s AI measures your driving habits initially
Doesn\'t accept bad or high-risk drivers to maintain a high quality
Not available in all states
BEST FOR: Cheap car insurance rates and millennial drivers looking to become better drivers and get rewarded for it with even better rates!
| Parameter | Rating |
|---|---|
| Time | 1 |
| Online | 5 |
| Phone | 3 |
| Face to face | 1 |
| Rates | 5 |
| Coverage | 3 |
| Choice | 3 |
| Speed | 3 |
| Savings | 5 |
| All States | 1 |
| High Risk | 1 |
| Ease | 5 |
Check out our review of the
Whether you buy your car insurance directly, online, or broker, each approach has advantages and disadvantages. Which route works best for you depends on your specific needs, technical skills, time constraints, and whether you value service and personal touch over cheap car insurance rates and discounts. We hope the insights here help you make the best choice for yourself regarding comparing auto insurance quotes to get you on the road fast, protect you well and fit your budget. You are, of course, invited to use our car insurance quotes comparison tool.
| Car Insurance Quotes Comparison Method | Insuranks Score |
|---|---|
| Comparison Sites | 4.2/5 |
| Agents & Brokers | 3.9/5 |
| Direct | 3.7/5 |
Get all the best quotes from leading providers in a click of a button!
Comparing auto insurance quotes will give you a more comprehensive view of your options. Well, a wide variety of choices will easily overwhelm you at first. Your decision-making may get clouded, but you have to decide on an insurance product and company that fits you.
Some insurance companies would bombard you with attractive options, even discounts or freebies. However, you must dismiss that "halo effect " and decide what car insurance coverage matches your actual needs, budget and profile.
Rates would also differ because it depends mainly on certain factors such as credit history, age, gender, car type and value, driving record, location or ZIP code, number of miles per year, state, and a whole lot of other factors.
With that in mind, it would be impossible to compare the quotes of a 20-year-old male from Hawaii with the auto insurance prices a 60-year-old female driver from Michigan would receive. Many variables would be counted in to determine the auto insurance rates for a specific client or individual.
When comparing rates, after making sure you have all your needs covered, check the company\'s average score, as well as car insurance promos or discounts that you may qualify for. Once you have shortlisted some of the best car insurance companies with the right auto insurance coverage, products, rates, and ratings, you should do a background check and read some reviews and ratings that other customers have left on their company page.
This will help you gain a more refined or realistic perspective of what the company can offer and treat its clients and policyholders. While the advertising mumbo jumbo can reel you into a company\'s offers, feedback from real users would give you a fresh and real-time perspective on the credibility, performance, service, coverage, and trustworthiness of an auto insurance company.
When shopping for car insurance, you are most likely to choose a titan in the industry or a reputable, large, well-known auto insurer. Well, this makes sense. After all, you would want to invest in a company that has earned its stripes in the industry. A company\'s staying power has a lot to say about its resilience, financial strength, and relevance in the market. It is assumed that large-scale auto insurance companies are sometimes more resilient and more likely to afford to pay your claims. But this is not always true, and this is why you should check a company\'s online reputation and reviews by their customers ahead of choosing it.
On the other hand, some perks follow through by signing up with a smaller car insurance company. These startups can offer a fresh, modern, digital, and customized service to their clients because the young blood in the industry tends to bring innovation and personalization first in their roster of services, along with other things.
Dig up more information on this website about car insurance companies and understand their online reputation. Read customer reviews, ratings, and testimonials online and observe how their customers have experienced them. This reveals a lot about the company\'s overall experience and reliability.
Check on your state\'s insurance department to determine the car insurance type mandated by law. In general, most states would require liability insuranceand minimum coverage for property damageand bodily injury.
Ask for recommendations and referrals from family and friends regarding auto insurance companies and agents. Word-of-mouth remains a powerful determining factor when deciding on what car insurance company to trust.
Get maximum auto insurance quotes from as many different companies as possible: Request product brochures and quotes from different insurance companies through this website or a local agent/agency and then compare them one by one. You want all of the options on your table before making such an important decision. What\'s the rate? What does it cover? How reputed is the company? Pay more attention to the little details such as payment options, deductibles, exclusions, discounts, and hidden fees.
Make a shortlist of your preferred car insurance providers, quotes, and offers and then verify their legitimacy and licensure with your state\'s insurance department.
Take note of some questions you might have about the car insurance coverage and other details. Ask car insurance company representatives and/or agents if your credit history would affect rates in different companies, if the coverage would cover rental cars when traveling, or if speeding ticket/driving history would affect the premium.
Prioritize paying your premiums on time. Non-payment of premiums could result in a lapse in your vehicle insurance coverage. There are auto insurance carriers who would offer direct withdrawal from your checking account to prevent lost coverage.
Some factors that are out of your control determine your car insurance quotes, like your gender and age. However, you have total control of a couple of factors, like your credit score, driving record, mileage, type or brand of car, and the amount of car insurance coverage.
Basically, your car insurance cost would depend on the risk factors auto insurance providers take into account. So, they would want to weigh in on the probability that you\'ll be filing claims on your car insurance.
To get the cheapest car insurance quotes, you must research and compare quotes from different car insurance companies. At the beginning of this guide, we provided a list of inexpensive car insurance companies with an average car insurance cost of $100 per month or less and their rating. This list should help you look into the car insurance providers that combine that good match of affordability with excellent customer service.
You also have to check on your credit report and driving record to ensure it\'s clean and in good standing. A car insurance company would assess your likelihood of getting into an accident and filing claims. So, if you have citations for DUI, incurred accidents, or other driving violations, you will be considered a high-risk client and would have higher insurance rates than someone who has a clean driving record and high credit score.
If you\'re a safe driver, several car insurance companies would give you discounts for that, plus also get lower rates over time. An app is used to monitor and assess your driving behavior, which will be the basis for discounts.
Also, if you happen to have a costly car repair and mechanical breakdown car, then your car insurance rates would also increase. However, with older cars, your car insurance company could give you discounts or a reduction in prices.
Choosing the lowest amount of auto insurance coverage also helps you save on your car insurance fees. You may also opt to choose a higher deductible, which translates to less risk for your auto insurance company and minimal costs for you.
Another option to get cheap auto insurance quotes is to take advantage of your company\'s auto insurance discounts. Discounts such as paperless billing, good student discounts, multi-policy discounts, and multi-car discounts will give you more savings on your auto insurance fees.
Car insurance is a contract between you and an auto insurance company. In exchange for a premium, the company covers the potential cost of possible damages and financial loss resulting from driving and vehicle ownership.
We\'ve all been there; accidentally bumping into a car while trying to back into a parking spot, stopping short, and getting rear-ended - the list of car accident possibilities is seemingly endless. But one thing is for sure, getting the damage fixed can be incredibly costly if you are not covered!
But that\'s where auto insurance comes into play. There are many different types of auto policies ( such as bodily injury and property damage, the two main facets that auto insurance policies cover). Some typical cover accidents. Others consider vehicle theft, weather risks, bumping into animals, and depreciating car values.
If you\'re reading this right now, then the chances are that you\'ve been wondering how to choose car insurance, or you\'re wondering exactly what does car insurance covers. Here, we\'ll give you a quick crash course in car insurance. Below, we\'ll discuss the following:
What does car insurance cover?
The difference between basic liability and full coverage insurance.
The law requires all drivers to maintain an auto insurance policy while driving a vehicle on public roadways. While this may seem a bit unfair, you also have to consider that we\'re living in America where two truths are evident:
Medical and hospital costs are incredibly high.
Cars and automobiles are costly.
Without insurance, a small two-driver car crash with no fatalities can easily cost the two drivers upwards of $15,000 or more after paying for medical bills and vehicle repairs! The average cost for an ambulance ride alone can be upwards of $300 per mile. Repairingthe front end on a car can easily cost $2,000 to $3,000, not including anything else that may have been damaged.
Car insurance ensures that drivers only have to pay a small amount out of pocket in the event of an accident. This is known as your deductible. For example, if you have a $1,000 deductible and sustain $8,000 worth of damages to your car, then you\'ll pay $1,000, and your insurer will pay the remaining $7,000 (if you\'re at fault, that is).
Car insurance also ensures that the other driver is covered as well. For example, if you\'re found at fault and crash into somebody else, your insurance will pay for their medical bills so that you don\'t have to face a lawsuit and pay for their medical bills out of pocket.
We suggest you take a minute to think aboutyourrisk as a driver to the car insurance company.
Are you a new driver?
Living in a place with lots of potholes?
Driving an old car?
Or maybe just a bad driver?
All of this impacts your auto premiums. This shouldn\'t deter you, however. The cost of a car accident is still much higher!
Car accidents cost the United States about $231 billionevery year. Yes, you read that right. And accidents usually cost in the thousands. That\'s why being covered is so important and mandatory in most states.
Your policy will have liability coverage limits. In auto insurance, this limit is usually broken down into three components:
The maximum amount of money the insurance company will spend on your injuries
The maximum amount of money the insurance company will spend on people you injure
The maximum amount of money the insurance company will spend on property damage
Be sure to know what the liability limits are on your auto insurance plan.
While there are different levels of auto insurance, they are typically broken down into:
Basic liability coverage
Full coverage
What does car insurance covers will depend if you bought it as a basic liability coverage or full coverage. Let’s discuss how these two work.
The purpose of a basic liability policy is to cover expenses if ever you caused a vehicular accident and are responsible for the losses or damages sustained by third parties.
When owning a car, it’s a requirement to be covered for the state-mandated insurance minimums. Each state has laws that regulate how much coverage each driver must be insured for, which you can view here. You\'ll generally pay more for coverage in states that have a high percentage of automotive accidents and less in states with a lower percentage of accidents.
Basic liability insurance typically doesn\'t cover your personal costs. It only helps you pay for the losses of damages of third parties.
By the way, a basic auto liability insurance policy for your car can be categorized as bodily injury liability coverage or property damage liability coverage.
Pays for the other driver\'s medical bills and compensation (if you\'re at fault).
Pays to repair the other driver\'s vehicle (if you\'re at fault).
Full coverage policies don’t only cover your liability for vehicular accidents. It offers a plethora of coverages for your vehicle such as:
Personal injury protection
Medical payments coverage
Liability coverage
Physical damage coverage
Gap insurance
Rental coverage
Uninsured/underinsured motorist coverage
While these are usually double or triple the cost of a basic liability policy, full coverage policies are worth it because they’re designed to be an all-inclusive protection that covers almost everything that could happen to your vehicle. Below is a quick explanation of the different full coverage auto insurance types and coverage options
There are currently twelve "no-fault states" where drivers must pay for their medical bills. In these states, drivers must have personal injury protection (PIP) coverage added to their basic liability policy to cover the costs of any injuries sustained in an accident.
If you\'re in a non “no-fault” state, then medical payments coverage is what you need to get instead of personal injury protection. Medical payments coverage works the same way as personal injury protection but has a more limited scope.
Full coverage includes all of the basic liability coverages listed above that cover the other driver\'s vehicle and medical bills.
Physical damage coverage covers expenses if your car gets damaged. This can be categorized as collision and comprehensive coverage:
It covers your repairs and medical bills if you\'re hit by somebody who doesn\'t have insurance or who doesn\'t have enough insurance to cover your costs. Read more about uninsured/underinsured driver clause coverage.
If you financed your vehicle and it\'s declared a " total loss " by the insurance company, GAP insurance pays off the remainder of your auto loan.
It covers the cost of renting a vehicle if your car is getting repaired or declared a total loss.
Yes, you do. A valid car insurance policy is required by law.
The only state where car insurance is not required by law is New Hampshire. Still, you must be able to prove that you can afford to cover the damages in case an at-fault accident occurs, which can cost thousands upon thousands of dollars, to meet New Hampshire motor vehicle financial responsibility requirements
Generally yes, you can safely buy car insurance online and it is recommended by theNational Association of Insurance Commissionersin order to get lower rates through good car insurance quotes comparison.
However, as you are sharing important information when buying car insurance online such as your social security number, which insurers need to check your driving record, it is recommended to follow these safety tips to reassure your online safety when buying car insurance:
Make sure you buy on a secure website with a high level of encryption
Make sure you are using a browser with a high level of encryption - normally the latest versions of Google Chrome, Safari, Firefox, and Explorer will do
Carefully check their reviews
Avoid spam sites
Use a credit card or a secondary debit card since it offers identity theft protection - just make sure that there are no fraudulent charges on the card
Check the insurance company\'s security and privacy pages
Make a list of your needs. What are you looking for? What is not important to you? Which of the auto insurance plan types best suits your needs?
Determine your risk based on the factors we discussed.
Compare a maximum number of quotes, companies, and plans, to ensure that you have all of the options on your table and that you only find the best, most affordable, and reliable car insurance near you that is the most suitable for you and your needs.
Don\'t hesitate to reread this page and go through other car insurance-related resources that are linked below. Education is key when it comes to auto insurance!
To sum up, driving and vehicle ownership can be fun and exciting. For many, a vehicle can reduce the time spent commuting to work or allow individuals to travel more flexibly around a town, city, state, and even a country.
Vehicle ownership is liberating - let\'s keep it this way by driving safely, avoiding car accidents, and having the best coverage for unexpected financial expenses.
And now that you\'re well aware of the bigger picture, it\'s time for you to purchase the best car insurance online by comparing quotes!
On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering. They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car. Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.
I was shopping for auto insurance on 11th September 2023. Liberty took$8614 out of my bank that same night without my permission. And now they will not return my hard earned money. Every time I call ,they give me sorry excuses. And now they tell me that ,yes we took your money by fraud. Go write your congressman. But we'll give it back to you in 15 days. Meanwhile my bills are piling. Liberty Mutual stole my money. Please avoid Liberty Mutual at every cost.
I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
Total scam. Beware. They use drive easy app to bat and switch.
Geico has the worst customer service! They changed my policy without my authorization and doubled my monthly payments in error!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
