Auto Insurance Quotes Compare: Comparing auto insurance quotes is crucial for securing the best coverage at the most affordable price.
This process allows you to evaluate different policies, ensuring you receive comprehensive benefits tailored to your needs.
Discover how comparison shopping can save you money and enhance your protection on the road.
What Does “Auto Insurance Quotes Compare” Mean?
Auto insurance quotes are estimates provided by insurance companies that predict the cost of a policy based on factors like the driver’s history, vehicle type, and coverage needs. These quotes are crucial for budgeting and choosing the right insurance policy, as they give potential customers an idea of what they can expect to pay.
Comparing Auto Insurance Quotes
When you compare auto insurance quotes, you’re evaluating various offers from different insurers to find the best coverage at the most affordable price. Here’s what it typically involves:
- Coverage Levels: Comparing the types of coverage each insurer offers, such as liability, collision, and comprehensive coverage, to see which fits your needs.
- Premium Costs: Looking at how much each policy costs annually or monthly to find the most cost-effective option.
- Deductibles: Reviewing the out-of-pocket costs you will incur before insurance kicks in during a claim.
- Discounts: Identifying what discounts are available with each quote, which can include reductions for safe driving, multiple vehicles, or security features in your car.
- Customer Reviews: Considering the insurer’s customer service reputation and claim settlement efficiency.
- Policy Limitations and Exclusions: Understanding what is not covered by the policy, which can be crucial in deciding the appropriateness of a quote.
However, each quote can differ significantly based on how an insurer assesses risk and their pricing strategy, making comparison not just helpful, but essential for making an informed decision.
Why You Should Compare Auto Insurance Quotes
When it comes to protecting your vehicle and ensuring your financial security, comparing auto insurance quotes is a crucial step. Not only does it help you find the most cost-effective policy, but it also allows you to discover coverage options that best fit your specific needs. Here’s why you should take the time to compare auto insurance quotes:
Financial Benefits of Comparing Quotes
- Cost Savings: By comparing various insurance quotes, you can identify the most affordable rates that still provide the coverage you need. Insurers have different pricing algorithms, so premiums can vary significantly.
- Discounts and Offers: Different insurers may offer unique discounts for things like multiple cars, safe driving, or having security features installed in your vehicle. Comparing quotes helps you capitalize on these potential savings.
- Avoid Overpaying: Regular comparison ensures you’re not paying for coverages you don’t need. For example, older cars might not require comprehensive coverage, which can be costly.
- Tailored Premiums: Some insurers specialize in certain types of coverage or cater to specific demographics (like young drivers). Comparing quotes helps you find a policy that matches your personal circumstances, potentially lowering costs.
Better Coverage Options
- Enhanced Coverage Choices: When you compare quotes, you can evaluate different levels of coverage side-by-side. This helps ensure you aren’t underinsured or overinsured, aligning your coverage precisely with your needs.
- Specialized Policies: Certain insurers offer specialized policies that might be more apt for your situation—such as insurance for classic cars or high-performance vehicles.
- Flexibility: Comparing quotes allows you to see the flexibility different insurers offer, like higher or lower deductibles, which can affect your annual premium and coverage in the event of a claim.
- Up-to-Date Policies: Market conditions change, and so do your insurance needs. Regularly comparing insurance quotes ensures your coverage adapts to new laws, car models, or personal circumstances.
However, taking the time to compare auto insurance quotes can lead to significant financial savings and improved coverage options, making it an essential practice for any car owner.
Factors Affecting Auto Insurance Quotes
These factors can greatly influence the rates you’re offered, making it important for consumers to be aware of them to secure the best possible deal. Here’s a detailed look at the main factors that affect auto insurance quotes and how they influence insurance rates:
Age of the Driver: Younger drivers, typically under 25, often face higher rates due to their perceived inexperience and higher risk of accidents. As drivers age and gain more experience, their rates tend to decrease, assuming they maintain a clean driving record.
Driving History: A driver’s history is a significant indicator of their risk level. Accidents, traffic violations, and DUI/DWI offenses can increase rates, while a clean driving record can qualify you for lower rates.
Type of Vehicle: The make, model, and age of your vehicle can affect your insurance premiums. High-performance vehicles or cars with a high theft rate typically cost more to insure. In contrast, vehicles with good safety ratings and lower repair costs may be cheaper to insure.
Location: Where you live and park your car can impact your insurance rates. Urban areas, with higher rates of accidents and thefts, tend to have higher premiums compared to rural areas.
Credit Score: Many insurers use credit scores as an indicator of a driver’s reliability. A higher credit score can lead to lower rates, as it suggests financial responsibility.
Annual Mileage: The more you drive, the more likely you are to be involved in an accident. Drivers who use their car frequently or commute long distances will generally face higher rates than those who drive less.
Gender: In many cases, gender can influence rates, especially for younger drivers. Statistically, young male drivers are considered higher risk than female drivers, which can reflect in their premiums.
Marital Status: Married individuals often receive lower rates as they are statistically seen as more stable and less risky than single drivers.
Insurance History: Gaps in insurance coverage can be a red flag for insurers, potentially leading to higher rates. Continuous insurance coverage can demonstrate responsibility and lead to more favorable rates.
Deductibles: The amount of deductible you choose (the money you pay out of pocket in the event of a claim) can influence your premiums. Higher deductibles usually lower your premium, while lower deductibles can increase it.
However, understanding these factors can help you better navigate the complexities of auto insurance quotes and potentially secure a rate that best fits your budget and coverage needs.
How to Compare Auto Insurance Quotes
Comparing auto insurance quotes can be a crucial step in securing the best coverage for your vehicle at the most affordable price. Here’s a simple guide to help you gather and compare insurance offers effectively.
Step-by-Step Guide on Gathering Quotes
- Collect Your Information: Have your vehicle information (make, model, year), driving history, and personal information ready. This will speed up the process and ensure accuracy in the quotes you receive.
- Choose Reliable Insurers: Select a mix of large, well-known insurers and smaller regional insurers to get a broad range of quotes.
- Use Online Tools: Utilize insurance comparison websites to get multiple quotes at once. These tools can save time and provide a broad range of options quickly.
- Contact Insurance Agents: Sometimes, speaking directly with an agent can result in more personalized service and better deals, especially if you have unique circumstances.
- Get Quotes for Different Coverage Levels: Ensure you get quotes for various levels of coverage to understand how much more you might pay for better coverage or how much you could save with less.
Tips for Accurately Comparing Insurance Offers
- Compare Coverage Limits: Look at the limits each policy offers. More coverage might cost more, but it can be worth it in the long run if you ever need to make a claim.
- Check the Deductibles: Higher deductibles can lower your premiums, but make sure you can afford the out-of-pocket cost if you have an accident.
- Consider Customer Service and Reviews: A low price isn’t a good deal if it comes with poor customer service. Check online reviews and ratings to gauge the insurer’s reputation.
- Look for Discounts: Many insurers offer discounts for things like safe driving, multiple vehicles, security devices installed, and more. Ensure these are included in your quotes.
- Understand the Policy Exclusions: Be aware of what is not covered under the policy to avoid surprises during a claim.
By following these steps and tips, you can effectively gather and compare auto insurance quotes, ensuring you find the best coverage that suits your needs and budget.
Compare Auto Insurance Rates by Age
Your age affects car insurance rates. Young, inexperienced drivers pay the most but can expect their rates to start going down around age 25. Drivers with good driving records who are free of tickets or accidents enjoy the best rates in their 50s and 60s. Rates start to increase again around age 70.
| Age | Average annual cost of full coverage car insurance | Average annual cost of minimum coverage car insurance |
|---|---|---|
| 18 | $5,575 | $1,861 |
| 25 | $2,419 | $754 |
| 30 | $2,197 | $680 |
| 40 | $2,078 | $652 |
| 50 | $1,934 | $613 |
| 60 | $1,861 | $601 |
| 70 | $2,034 | $648 |
| 80 | $2,507 | $810 |
Compare Car Insurance Rates for 18-Year-Olds
Drivers who are 18 are relatively new to driving and are more likely to be in auto accidents than more mature and experienced drivers. That makes car insurance for 18-year-olds more expensive.
By Company
Prices for auto insurance vary greatly from one company to another because they calculate their rates using different formulas. We analyzed average rates for full coverage insurance and state minimum car insurance and found that Erie has the cheapest rates for an 18-year-old.
| Company | Full coverage car insurance cost per year | State-minimum car insurance cost per year |
|---|---|---|
| Erie | $3,229 | $888 |
| USAA* | $3,615 | $1,023 |
| Auto-Owners | $4,101 | $1,255 |
| Travelers | $4,119 | $1,730 |
| Geico | $4,473 | $1,474 |
| Westfield | $4,690 | $1,223 |
| Nationwide | $4,726 | $2,363 |
| State Farm | $4,891 | $1,585 |
| Allstate | $7,232 | $2,199 |
| Safe Auto | $7,283 | $2,532 |
| Progressive | $7,387 | $2,376 |
| Mercury | $7,784 | $2,637 |
| Farmers | $10,162 | $3,426 |
By State
Car insurance costs differ considerably from state to state for an 18-year-old driver. Hawaii—a state that prohibits age as a rating factor—is the cheapest state in our analysis. Florida and Louisiana have the most expensive auto insurance for drivers age 18.
| State | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| Alabama | $5,676 | $1,768 |
| Alaska | $4,765 | $1,468 |
| Arizona | $6,153 | $2,088 |
| Arkansas | $5,723 | $1,640 |
| California | $7,268 | $1,993 |
| Colorado | $7,791 | $2,145 |
| Connecticut | $5,970 | $2,671 |
| Delaware | $6,945 | $2,912 |
| Florida | $9,018 | $3,421 |
| Georgia | $6,685 | $2,702 |
| Hawaii | $1,474 | $416 |
| Idaho | $3,753 | $1,347 |
| Illinois | $5,469 | $1,819 |
| Indiana | $3,907 | $1,294 |
| Iowa | $3,895 | $945 |
| Kansas | $5,364 | $1,616 |
| Kentucky | $6,361 | $2,215 |
| Louisiana | $9,484 | $3,016 |
| Maine | $3,397 | $1,189 |
| Maryland | $7,144 | $2,912 |
Compare Car Insurance Rates for 25-Year-Olds
Rates start to fall for young drivers around age 25. These drivers now have several years of experience behind the wheel, so they pose less risk.
By Company
USAA has the lowest average cost for full coverage and state minimum car insurance for 25-year-olds if you qualify with a military connection. Travelers has the cheapest full coverage for all other drivers age 25.
Erie and Westfield are the cheapest insurers for state minimum coverage. They are regional companies so if they don’t serve your area, check quotes from Geico.
Safe Auto has the most expensive insurance for drivers age 25 among the companies in our analysis.
| Company | Full coverage car insurance cost per year | State-minimum car insurance cost per year |
|---|---|---|
| USAA* | $1,694 | $442 |
| Travelers | $1,737 | $709 |
| Nationwide | $1,849 | $840 |
| Geico | $2,097 | $651 |
| Erie | $2,106 | $563 |
| Progressive | $2,160 | $719 |
| State Farm | $2,307 | $688 |
| Auto-Owners | $2,372 | $634 |
| Mercury | $2,497 | $763 |
| Westfield | $2,549 | $564 |
| Farmers | $2,958 | $923 |
| Allstate | $3,235 | $940 |
| Safe Auto | $3,678 | $1,078 |
By State
Hawaii and Vermont are the cheapest states for 25-year-old drivers who want full coverage. Florida and Louisiana are the most expensive.
The cheapest state for minimum car insurance coverage for 25-year-olds is Wyoming, followed by Hawaii and Vermont. Florida is the most expensive state for 25-year-olds to buy minimum coverage.
| State | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| Alabama | $2,239 | $616 |
| Alaska | $2,020 | $553 |
| Arizona | $2,668 | $850 |
| Arkansas | $2,532 | $631 |
| California | $3,381 | $872 |
| Colorado | $2,862 | $646 |
| Connecticut | $2,444 | $1,043 |
| Delaware | $2,543 | $1,112 |
| Florida | $4,136 | $1,551 |
| Georgia | $2,609 | $996 |
| Hawaii | $1,341 | $380 |
| Idaho | $1,516 | $499 |
| Illinois | $2,382 | $733 |
| Indiana | $1,894 | $551 |
| Iowa | $1,958 | $391 |
| Kansas | $2,509 | $665 |
| Kentucky | $2,931 | $948 |
| Louisiana | $4,190 | $1,224 |
| Maine | $1,796 | $599 |
| Maryland | $2,647 | $1,133 |
| Massachusetts | $2,114 | $622 |
| Michigan | $2,977 | $1,276 |
| Minnesota | $2,223 | $690 |
| Mississippi | $2,274 | $692 |
| Missouri | $3,026 | $900 |
| Montana | $2,551 | $553 |
| Nebraska | $2,197 | $513 |
| Nevada | $3,092 | $1,104 |
| New Hampshire | $1,796 | $623 |
| New Jersey | $2,710 | $1,285 |
| New Mexico | $2,264 | $611 |
| New York | $3,175 | $1,198 |
| North Carolina | $1,637 | $586 |
| North Dakota | $1,922 | $481 |
| Ohio | $1,646 | $471 |
| Oklahoma | $3,017 | $650 |
| Oregon | $2,122 | $916 |
| Pennsylvania | $2,789 | $624 |
| Rhode Island | $2,634 | $952 |
| South Carolina | $2,654 | $947 |
| South Dakota | $2,514 | $435 |
| Tennessee | $2,232 | $655 |
| Texas | $3,028 | $973 |
| Utah | $2,402 | $864 |
| Vermont | $1,420 | $380 |
| Virginia | $2,218 | $747 |
| Washington | $1,854 | $624 |
| West Virginia | $2,468 | $690 |
| Wisconsin | $1,951 | $503 |
| Wyoming | $1,576 | $319 |
Compare Car Insurance Rates for 30-Year-Olds
By age 30, drivers generally have fewer accidents than younger drivers and can get better car insurance quotes.
By Company
USAA has the cheapest full coverage and state minimum car insurance rates for 30-year-olds, according to our analysis. Only military members, veterans and their families are eligible for USAA auto policies. Travelers is the cheapest for full coverage for other drivers and Auto-Owners is the cheapest for minimum coverage.
Allstate and Safe Auto are the most expensive companies for 30-year-old drivers.
| Company | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| USAA* | $1,493 | $393 |
| Travelers | $1,662 | $691 |
| Nationwide | $1,677 | $751 |
| Erie | $1,812 | $488 |
| Geico | $1,874 | $566 |
| Auto-Owners | $1,909 | $439 |
| Progressive | $2,043 | $682 |
| State Farm | $2,164 | $618 |
| Mercury | $2,235 | $682 |
| Westfield | $2,274 | $503 |
| Farmers | $2,871 | $881 |
| Allstate | $3,002 | $908 |
| Safe Auto | $3,255 | $922 |
By State
Vermont, Maine, Idaho and Hawaii are the cheapest states for 30-year-olds buying a full coverage policy, while Florida and Louisiana cost the most.
The cheapest states for buying minimum coverage at age 30 are Wyoming, Vermont and Iowa. Florida, New Jersey and Michigan are the costliest.
| State | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| Alabama | $2,040 | $543 |
| Alaska | $1,921 | $512 |
| Arizona | $2,434 | $756 |
| Arkansas | $2,320 | $562 |
| California | $2,929 | $753 |
| Colorado | $2,661 | $583 |
| Connecticut | $2,182 | $936 |
| Delaware | $2,447 | $1,090 |
| Florida | $3,838 | $1,454 |
| Georgia | $2,307 | $865 |
| Hawaii | $1,341 | $380 |
| Idaho | $1,339 | $444 |
| Illinois | $2,130 | $647 |
| Indiana | $1,760 | $508 |
| Iowa | $1,774 | $346 |
| Kansas | $2,280 | $597 |
| Kentucky | $2,643 | $852 |
| Louisiana | $3,942 | $1,101 |
| Maine | $1,336 | $452 |
| Maryland | $2,313 | $1,016 |
Compare Car Insurance Rates for Seniors
The best car insurance companies for seniors provide ample coverage choices and good customer service at a decent price. Nationwide and Travelers have the cheapest car insurance rates for seniors for full coverage, while USAA is a cheap choice for seniors who have a military connection.
Car insurance costs usually rise as drivers pass age 65. By age 70, senior drivers are paying an average of 11% more than they were at age 60. At age 80, they’re paying about 37% more than they did at age 60 and 23% more than age 70.
| Company | Average annual senior car insurance costs | Average rates per year for 60-year-old drivers | Average rates per year for 70-year-old drivers | Average rates per year for 80-year-old drivers |
|---|---|---|---|---|
| Nationwide | $1,479 | $1,320 | $1,410 | $1,707 |
| USAA* | $1,506 | $1,277 | $1,416 | $1,826 |
| Travelers | $1,552 | $1,319 | $1,472 | $1,865 |
| Erie | $1,734 | $1,419 | $1,623 | $2,159 |
| Geico | $1,804 | $1,614 | $1,718 | $2,080 |
| Auto-Owners | $1,839 | $1,666 | $1,743 | $2,108 |
| Progressive | $1,934 | $1,670 | $1,853 | $2,279 |
| State Farm | $2,020 | $1,882 | $1,946 | $2,231 |
| Westfield | $2,238 | $1,908 | $2,030 | $2,775 |
| Mercury | $2,519 | $2,113 | $2,428 | $3,015 |
| Allstate | $2,966 | $2,670 | $2,803 | $3,424 |
| Farmers | $2,978 | $2,440 | $2,943 | $3,553 |
| Safe Auto | $3,061 | $2,553 | $3,060 | $3,571 |
Compare Car Insurance Rates for Adding a Teen Driver
There’s no escaping the higher price of car insurance for teens, but you can still save money by comparing car insurance quotes if you’re adding a teen driver to your policy.
Our analysis found that Nationwide and Erie have the best rates for adding a teen driver to a full coverage policy.
| Company | Annual car insurance cost after adding a 16-year-old to a parent policy | Average auto insurance cost increase after adding a 16-year-old driver |
|---|---|---|
| Nationwide | $2,990 | 43% |
| Erie | $3,541 | 83% |
| USAA* | $3,935 | 168% |
| Progressive | $4,296 | 92% |
| Geico | $4,360 | 83% |
| State Farm | $4,654 | 129% |
| Travelers | $4,727 | 136% |
| Auto-Owners | $4,865 | 145% |
| Mercury | $5,050 | 85% |
| Westfield | $5,358 | 176% |
| Safe Auto | $6,415 | 96% |
| Allstate | $6,638 | 66% |
| Farmers | $7,528 | 34% |
Compare Car Insurance Rates by Driving Record
Your driving record heavily influences your car insurance rates. Insurers scrutinize your past driving behavior to gauge your level of risk. If your driving record includes a speeding ticket, accident or other issue, your costs will be higher.
Compare Car Insurance Rates for Drivers With a Speeding Ticket
Drivers can expect car insurance rates to go up after a speeding ticket. We found costs go up an average of 26%.
By Company
A speeding ticket is a minor traffic violation, so the rate increase is relatively small compared to a major violation like a DUI. USAA is the cheapest company for those who qualify. Nationwide and Erie are the cheapest for all other drivers, among the insurers in our analysis.
| Company | Average car insurance cost per year after a speeding ticket | Average car insurance cost per month after a speeding ticket |
|---|---|---|
| USAA* | $1,661 | $138 |
| Nationwide | $1,878 | $157 |
| Erie | $1,899 | $158 |
| Travelers | $2,062 | $172 |
| Geico | $2,150 | $179 |
| State Farm | $2,270 | $189 |
| Westfield | $2,335 | $195 |
| Progressive | $2,350 | $196 |
| Auto-Owners | $2,457 | $205 |
| Mercury | $3,062 | $255 |
| Allstate | $3,312 | $276 |
| Safe Auto | $3,543 | $295 |
| Farmers | $3,951 | $329 |
By State
Drivers with speeding tickets will see a bump up in car insurance rates ranging from an average of 13% to 54%, depending on the state. How long a speeding ticket will stay on your record varies by state, but it’s generally three to five years.
Texas insurers have the lowest increase for drivers with speeding tickets (13%). Michigan has the highest increase (54%).
Vermont has the lowest average rate for drivers with a speeding ticket ($1,353 a year). That’s a 17% rate increase compared to a driver with a clean record.
| State | Average car insurance cost per year after a speeding ticket | Average car insurance cost per month after a speeding ticket |
|---|---|---|
| Alabama | $2,416 | $201 |
| Alaska | $2,194 | $183 |
| Arizona | $2,668 | $222 |
| Arkansas | $2,749 | $229 |
| California | $4,020 | $335 |
| Colorado | $3,314 | $276 |
| Connecticut | $2,692 | $224 |
| Delaware | $2,797 | $233 |
| Florida | $4,838 | $403 |
| Georgia | $2,425 | $202 |
| Hawaii | $1,597 | $133 |
| Idaho | $1,534 | $128 |
| Illinois | $2,408 | $201 |
| Indiana | $2,121 | $177 |
| Iowa | $1,872 | $156 |
| Kansas | $2,571 | $214 |
| Kentucky | $2,945 | $245 |
| Louisiana | $4,471 | $373 |
| Maine | $1,668 | $139 |
| Maryland | $2,698 | $225 |
Compare Car Insurance for Drivers With a DUI
A DUI is a costly insurance mistake. Our analysis found that the average car insurance rate increase for drivers with a DUI is 71%. You can find the cheapest car insurance after a DUI by getting quotes from multiple companies.
By Company
Our analysis found that Progressive generally has the best quotes for drivers with a DUI conviction. Westfield is the most expensive, with rates almost double those from Progressive.
| Company | Average car insurance cost per year for drivers with a DUI | Average car insurance cost per month for drivers with a DUI |
|---|---|---|
| Progressive | $2,307 | $192 |
| USAA* | $2,604 | $217 |
| Travelers | $2,610 | $218 |
| Erie | $2,665 | $222 |
| State Farm | $2,716 | $226 |
| Nationwide | $3,083 | $257 |
| Mercury | $3,172 | $264 |
| Auto-Owners | $3,578 | $298 |
| Geico | $3,723 | $310 |
| Safe Auto | $4,101 | $342 |
| Farmers | $4,272 | $356 |
| Allstate | $4,315 | $360 |
| Westfield | $4,577 | $381 |
By State
A DUI typically raises your auto insurance rates for three to five years, depending on your state.
Idaho has the cheapest rates for drivers with a DUI and California is the most expensive, with a 121% hike, on average. In addition, in California, you can’t receive a good driver discount until 10 years have passed after a DUI.
The percentage increase for a DUI in North Carolina is 203%, the highest in the country.
| State | Average car insurance cost per year for drivers with a DUI | Average car insurance cost per month for drivers with a DUI |
|---|---|---|
| Alabama | $2,851 | $238 |
| Alaska | $2,389 | $199 |
| Arizona | $3,022 | $252 |
| Arkansas | $3,159 | $263 |
| California | $6,112 | $509 |
| Colorado | $3,758 | $313 |
| Connecticut | $4,283 | $357 |
| Delaware | $3,764 | $314 |
| Florida | $4,944 | $412 |
| Georgia | $3,306 | $276 |
| Hawaii | $2,944 | $245 |
| Idaho | $1,976 | $165 |
| Illinois | $2,990 | $249 |
| Indiana | $2,808 | $234 |
| Iowa | $2,699 | $225 |
| Kansas | $3,192 | $266 |
| Kentucky | $3,809 | $317 |
| Louisiana | $4,768 | $397 |
| Maine | $2,222 | $185 |
| Maryland | $3,799 | $317 |
Compare Car Insurance Rates for Drivers With an At-Fault Accident
Expect car insurance rates to go up after an accident that’s your fault. We found that costs increase an average of 49% after an accident with injury and 48% after an accident you cause with property damage to someone else.
By Company
USAA has the lowest quotes for drivers with an at-fault accident that resulted in an injury to someone else. Check quotes from Erie and Travelers if you aren’t eligible for USAA insurance.
| Company | Average car insurance cost per year after an accident | Average car insurance cost per month after an accident |
|---|---|---|
| USAA* | $1,958 | $163 |
| Erie | $2,224 | $185 |
| Travelers | $2,293 | $191 |
| Nationwide | $2,337 | $195 |
| State Farm | $2,428 | $202 |
| Auto-Owners | $2,539 | $212 |
| Geico | $2,748 | $229 |
| Progressive | $2,770 | $231 |
| Westfield | $2,901 | $242 |
| Mercury | $3,860 | $322 |
| Safe Auto | $4,101 | $342 |
| Farmers | $4,412 | $368 |
| Allstate | $4,545 | $379 |
By State
Our analysis found that drivers in Vermont, Idaho, Maine and Hawaii get the cheapest rates after causing an accident with injury (less than $2,000 a year for a full coverage policy).
The most expensive states are Florida, California and Louisiana. California has the largest rate increase among all states—averaging 95%—nearly doubling rates for causing an accident.
| State | Average car insurance cost per year after an accident | Average car insurance cost per month after an accident |
|---|---|---|
| Alabama | $2,804 | $234 |
| Alaska | $2,510 | $209 |
| Arizona | $3,152 | $263 |
| Arkansas | $3,157 | $263 |
| California | $5,393 | $449 |
| Colorado | $3,768 | $314 |
| Connecticut | $3,345 | $279 |
| Delaware | $3,444 | $287 |
| Florida | $5,557 | $463 |
| Georgia | $2,944 | $245 |
| Hawaii | $1,961 | $163 |
| Idaho | $1,837 | $153 |
| Illinois | $2,812 | $234 |
| Indiana | $2,396 | $200 |
| Iowa | $2,289 | $191 |
| Kansas | $3,066 | $256 |
| Kentucky | $3,564 | $297 |
| Louisiana | $5,177 | $431 |
| Maine | $1,921 | $160 |
| Maryland | $3,373 | $281 |
Compare Car Insurance for Drivers With Poor Credit
Poor credit increases car insurance rates for most drivers. Drivers with poor credit could pay more than double for car insurance compared to those with good credit. That’s because car insurance companies say their research shows that those with bad credit have a higher likelihood of filing claims. We found that drivers with poor credit pay about 94% more compared to those with good credit.
By Company
Nationwide has the best quotes for drivers with poor credit. It charges an average of 43% more for drivers with bad credit. That’s far better than State Farm’s cost, which is an average of nearly $8,000 a year—almost quadruple the price it offers drivers with good credit.
| Company | Average car insurance cost per year for drivers with poor credit | Average car insurance cost per month for drivers with poor credit |
|---|---|---|
| Nationwide | $2,051 | $171 |
| USAA* | $2,450 | $204 |
| Geico | $2,482 | $207 |
| Travelers | $2,699 | $225 |
| Progressive | $3,221 | $268 |
| Westfield | $3,403 | $284 |
| Mercury | $3,583 | $299 |
| Safe Auto | $3,637 | $303 |
| Erie | $3,701 | $308 |
| Allstate | $4,531 | $378 |
| Farmers | $4,889 | $407 |
| Auto-Owners | $5,407 | $451 |
| State Farm | $7,961 | $663 |
By State
We found that drivers with poor credit in Washington get the lowest rates compared to other states, at an average cost of $1,812 per year. Washington drivers also get the lowest rate increase, at an average of 19%. Louisiana and Arizona have the most expensive rates, which are an average of over $7,000 per year. Arizona’s average rate increase for drivers with bad credit is 243% and Louisiana’s is 125%.
California, Hawaii, Massachusetts and Michigan ban the use of credit in pricing auto insurance. The remaining states allow car insurance companies to take credit into account when determining costs.
| State | Average car insurance cost per year for drivers with poor credit | Average car insurance cost per month for drivers with poor credit |
|---|---|---|
| Alabama | $3,430 | $286 |
| Alaska | $3,776 | $315 |
| Arizona | $7,229 | $602 |
| Arkansas | $4,017 | $335 |
| Colorado | $5,254 | $438 |
| Connecticut | $3,516 | $293 |
| Delaware | $4,344 | $362 |
| Florida | $6,921 | $577 |
| Georgia | $3,807 | $317 |
| Idaho | $2,012 | $168 |
| Illinois | $3,374 | $281 |
| Indiana | $3,145 | $262 |
| Iowa | $3,217 | $268 |
| Kansas | $4,052 | $338 |
| Kentucky | $5,186 | $432 |
| Louisiana | $7,987 | $666 |
| Maine | $2,618 | $218 |
| Maryland | $4,101 | $342 |
| Minnesota | $4,381 | $365 |
| Mississippi | $3,476 | $290 |
Compare Car Insurance Rates by Vehicle
The type of vehicle you insure impacts how much you spend on car insurance, especially if you’re buying collision and comprehensive insurance. Here’s a look at average car insurance costs for some of the most popular cars.
The Subaru Forester and Subaru Crosstrek are tied for being the least expensive on our list, while the Tesla Model 3 and Tesla Model Y are the most expensive to insure.
Your car insurance rates would be around 40% a year cheaper on average by insuring a Subaru Forester or Crosstrek instead of a Tesla Model Y and 38% cheaper than the Tesla Model 3.
| Vehicle | Average car insurance cost per year |
|---|---|
| Subaru Forester | $1,922 |
| Subaru Crosstrek | $1,922 |
| Honda CR-V | $1,963 |
| Ford F-150 | $2,045 |
| Hyundai Tucson | $2,047 |
| Toyota RAV4 | $2,074 |
| Chevrolet Equinox | $2,109 |
| Jeep Wrangler | $2,112 |
| Nissan Rogue | $2,188 |
| Chevrolet Silverado 1500 | $2,207 |
| Ford Explorer | $2,210 |
| GMC Sierra 1500 | $2,219 |
| Jeep Grand Cherokee | $2,268 |
| Honda Civic | $2,285 |
| Toyota Camry | $2,331 |
| Honda Accord | $2,334 |
| Toyota Corolla | $2,344 |
| Ram 1500 | $2,448 |
| Tesla Model 3 | $3,117 |
| Tesla Model Y | $3,264 |
Tools and Resources for Comparing Auto Insurance Quotes
When shopping for auto insurance, using the right tools and resources can help you secure the best coverage at the most affordable rates. Here’s a streamlined guide to effectively utilize online tools and comparison websites for auto insurance quotes.
List of Online Tools and Comparison Websites
- Compare.com – Offers a straightforward platform to compare multiple insurance quotes by entering basic personal and vehicle information.
- NerdWallet – Known for financial insights, this site provides detailed comparisons and editorial reviews of various insurance providers.
- Insurify – A tech-driven tool that uses artificial intelligence to match your profile with suitable insurance policies.
- The Zebra – Provides comprehensive comparisons of over 100 insurance companies, helping users identify the best policy options.
- Policygenius – Allows users to compare insurance quotes side-by-side and offers advice on choosing the right plan.
How to Use These Tools Effectively
- Enter Accurate Information: Always input accurate and current details about your driving history and vehicle. The precision of the information you provide directly influences the accuracy of your quotes.
- Compare Coverage Options: Look beyond the price. Assess coverage options, deductibles, and limits to ensure you are getting comprehensive protection that meets your needs.
- Check Reviews and Ratings: Utilize customer reviews and ratings available on these platforms to gauge the reliability and customer service of the insurers.
- Update Quotes Regularly: Insurance rates can change. Regularly updating your quotes will help you stay informed about new discounts or changes in premiums.
- Use Filters Appropriately: Leverage the filtering tools to narrow down choices according to your specific needs, such as coverage types, payment options, and additional features.
By effectively employing these online tools and comparison websites, you can streamline the process of finding the best auto insurance policy, saving both time and money while ensuring optimal coverage.
Common Mistakes to Avoid When Comparing Auto Insurance Quotes
When shopping for auto insurance, comparing quotes from different insurers is crucial to finding the best deal. However, the process can be fraught with pitfalls that may lead to less-than-optimal choices. Here are some common mistakes to avoid and tips to ensure more accurate comparisons:
1. Not Comparing Similar Coverage Options
- Mistake: Many consumers compare quotes without ensuring that each policy offers similar coverage levels and deductibles.
- Tip: Always check that the coverage types and amounts are consistent across all quotes. This ensures a true apples-to-apples comparison.
2. Overlooking the Reputation of the Insurer
- Mistake: Focusing solely on price can lead you to insurers with poor customer service or slow claim processing.
- Tip: Research insurers’ customer reviews and ratings for claims satisfaction and financial stability alongside the cost.
3. Ignoring Discounts
- Mistake: Many shoppers fail to inquire about available discounts, potentially missing out on significant savings.
- Tip: Ask each insurer about discounts for which you may qualify, such as those for safe driving, multiple vehicles, or security features in your car.
4. Focusing Only on the Premium
- Mistake: Looking only at the monthly premium can be misleading if you don’t consider what the policy actually covers.
- Tip: Evaluate what each policy offers in terms of protection and additional benefits to ensure you’re not sacrificing necessary coverage for a lower price.
5. Neglecting Local Insurance Companies
- Mistake: Many people stick to well-known national insurers and overlook smaller, local companies.
- Tip: Local insurers can often provide more personalized service and better rates for specific regional conditions. Compare their offers as well.
By avoiding these common mistakes and adopting a thorough, detail-oriented approach to comparing auto insurance quotes, you can secure a policy that offers the best value for your specific needs.
How Often Should You Compare Auto Insurance Quotes?
Regularly comparing auto insurance quotes is a crucial step in ensuring you are not overpaying for coverage and that your policy continues to meet your needs. Here’s why it’s important to review and compare insurance quotes frequently:
- Market Changes: The insurance market is dynamic, with rates fluctuating due to competition, regulation changes, and shifts in the economic landscape. Regular comparisons help you capitalize on lower rates.
- Personal Life Changes: Significant life events such as getting married, moving to a new location, or changing jobs can alter your insurance needs and potentially your premiums.
- Vehicle Aging: As your vehicle ages, its value changes which can affect insurance premiums. Regularly updating your coverage to reflect your car’s current value can save you money.
- Driving Record Updates: Improvements in your driving record, such as the expiration of traffic violations, can qualify you for lower premiums, making regular reviews beneficial.
- New Discounts: Insurance companies frequently update discount offers and eligibility requirements. Regular checks ensure you are getting all the discounts for which you qualify.
Suggested Timings or Events That Should Trigger a New Comparison
- Annually: At a minimum, review your policy annually to keep up with potential changes in the insurance landscape and your coverage needs.
- After a Major Life Event: Events like getting married, adding a teen driver, buying a home, or starting a new job are significant enough to warrant a new comparison as they can alter your risk profile and insurance needs.
- Post-Purchase of a New Vehicle: Whenever you purchase or change vehicles, it’s essential to compare quotes to ensure your new asset is adequately covered at the best rate.
- After Moving: Relocating to a new area can have a substantial impact on your insurance premiums due to differences in risk factors and insurance regulations across regions.
- Following a Policy Modification: If you modify your policy, for instance by increasing deductibles or changing coverage limits, compare quotes to see if another insurer offers a better rate with similar adjustments.
By adhering to these guidelines, you can ensure that your auto insurance policy remains competitive and adequately meets your evolving needs.
FAQs on Auto Insurance Quotes Comparison
1. What is auto insurance comparison?
Auto insurance comparison involves evaluating different insurance policies from various providers to find the best coverage at the most competitive price. By comparing quotes, you can see how different plans stack up against each other in terms of cost, coverage, and customer service.
2. Why should I compare auto insurance quotes?
Comparing auto insurance quotes helps you secure a better deal and ensures you get coverage that fits your specific needs. It can also save you money, as you can identify the most cost-effective policy that still provides adequate protection.
3. How often should I compare auto insurance quotes?
It’s wise to compare auto insurance quotes at least once a year, or whenever there is a significant change in your driving situation, such as moving to a new location, changing vehicles, or altering your driving habits.
4. What information do I need to compare auto insurance quotes?
To effectively compare quotes, you’ll need your vehicle information (make, model, year), your driving record, personal details (age, gender, marital status), and any current auto insurance coverage details.
5. Can I compare auto insurance quotes online?
Yes, many websites and tools allow you to compare auto insurance quotes online. These platforms provide a convenient way to view multiple quotes from different insurers quickly and easily.
5. Can I compare auto insurance quotes online?
A good auto insurance deal should offer a balance of adequate coverage and an affordable price. Consider not only the premium but also the deductible, coverage limits, and customer reviews of the insurer.
7. What factors affect my auto insurance quote?
Several factors can impact your auto insurance quote, including your age, driving history, credit score, the type of vehicle you drive, and even where you live. Each insurer weighs these factors differently, which is why quotes can vary so much.
Conclusion
In conclusion, comparing auto insurance quotes is not just about finding the lowest rates—it’s about discovering the best value for your unique needs. By taking the time to evaluate different insurers, you ensure that you are adequately covered without overpaying. This proactive approach can save you money, provide peace of mind, and keep you protected on the road.
We encourage you to review your current auto insurance policy regularly. Markets change and so do your insurance needs. Don’t miss the opportunity to adjust your coverage and possibly lower your costs. Start today by checking your current policy against what else is out there—you might be surprised at what you find!
References
For further reading and to validate the information provided about comparing auto insurance quotes, consider exploring the following reputable sources. These links offer in-depth insights and data to assist you in making informed decisions about your auto insurance needs:
- National Association of Insurance Commissioners (NAIC) – Provides a comprehensive guide on understanding auto insurance and how to compare insurance quotes effectively. Read more at NAIC.
- Insurance Information Institute (III) – Offers detailed articles and resources on various types of auto insurance coverage and tips on comparison shopping. Explore III resources.
- Consumer Reports – Known for its unbiased reviews and comparisons of auto insurance providers, helping consumers choose the right insurer based on their specific requirements. Visit Consumer Reports.
- Edmunds – Provides insights into the factors that affect auto insurance rates and how to get the best quotes based on vehicle type and other personal factors. Check out Edmunds.
- The Zebra – Offers a user-friendly platform to compare quotes from various insurance providers, ensuring you get the best deal tailored to your needs. Compare quotes on The Zebra.
Each of these sources is a valuable tool for educating yourself about auto insurance, enabling you to make choices that best fit your financial and personal circumstances.
