Insurance Quote Automobile: Getting the right insurance quote for your automobile is essential to ensuring you are adequately protected without overpaying.
Thankfully, obtaining a free quote is both quick and simple, offering significant benefits by allowing you to compare the best deals tailored specifically for your needs, all from the comfort of your home.
What is an Insurance Quote for Automobiles?
An insurance quote for automobiles is an estimate provided by an insurance company detailing the cost of coverage. This quote is customized based on various factors related to the driver and the vehicle, giving a prospective policyholder an idea of how much they will need to pay for their car insurance.
How are Insurance Quotes Calculated?
Insurance quotes are calculated through a detailed analysis of risk factors associated with the insured party and the vehicle. Here are key elements that influence the calculation:
- Driving Record: A clean driving record typically leads to lower premiums, while accidents and traffic violations can increase the cost.
- Vehicle Type: The make, model, and age of the vehicle can affect the quote. High-performance or luxury vehicles usually cost more to insure due to higher repair costs.
- Location: Where you live and park your car can impact insurance costs. Areas with high theft rates or heavy traffic might see higher rates.
- Age and Experience: Younger drivers or those with less driving experience often face higher premiums due to a perceived higher risk of accidents.
- Credit Score: In many areas, a higher credit score can lead to more favorable insurance quotes, reflecting the perceived responsibility of the driver.
- Coverage Type: The extent of coverage—whether it’s basic liability or comprehensive—will significantly determine the cost of the quote.
By evaluating these factors, insurance companies estimate the likelihood of a claim being made and accordingly set their premiums to cover potential risks while competing in the market.
Why You Should Always Get a Car Insurance Quote
Getting a car insurance quote is an essential step for every vehicle owner. It’s not just about fulfilling legal requirements—it’s about securing financial benefits and ensuring you’re getting the best deal possible. Here’s why you should always take the time to gather and compare car insurance quotes:
Maximize Your Financial Benefits
Comparing car insurance quotes can lead to significant financial savings. By reviewing different offers, you can identify the most cost-effective policy that meets your needs without compromising on coverage. This process helps in:
- Reducing Premium Costs: Insurance companies use various criteria to determine premium rates, including your driving history, vehicle type, and even credit score. By comparing quotes, you find the provider that views your particulars most favorably, often resulting in lower premiums.
- Identifying Discounts: Different insurers offer different discounts, such as for safe driving, multi-car policies, or even for being a loyal customer. Comparing quotes allows you to see which discounts you’re eligible for with different insurers, potentially lowering your costs further.
- Avoiding Overinsurance: By comparing quotes, you can avoid paying for coverage that’s not essential for your situation, ensuring you’re not overpaying for your car insurance.
Understand Variations Between Providers
The cost and coverage of insurance can vary significantly between providers due to how they assess risk and their own business models. Here’s why it’s crucial to shop around:
- Competitive Pricing: Insurance companies often adjust their rates to compete in the market. What one insurer might consider a high-risk factor, another might not weigh as heavily. Shopping around ensures you benefit from these competitive variations.
- Tailored Coverage Options: Each insurer offers different levels of coverage and additional features that might be more suited to your specific needs. Comparing quotes helps you understand these options better and choose a policy that provides the best value.
- Transparency and Choice: When you compare quotes, you gain insights into the insurance market. This transparency helps you make informed decisions and choose an insurer that offers the best price and service quality.
However, always getting a car insurance quote is more than a preliminary step; it’s a strategic move that ensures you’re financially wise, adequately covered, and satisfied with your insurance provider.
How to Prepare to Get an Insurance Quote
Getting an accurate insurance quote requires preparation and the right documentation. By gathering the necessary information in advance, you can streamline the process and ensure you receive the most accurate quote possible. Here’s how to prepare effectively:
Information and Documents Needed
- Personal Information: Have your full name, date of birth, and contact details ready. This basic information helps insurers identify you and tailor their quotes.
- Driver’s License: Your driver’s license number is crucial as it provides your driving history and any infractions, which can affect your quote.
- Vehicle Information: Provide your vehicle’s make, model, year, and VIN (Vehicle Identification Number). This information helps insurers assess the vehicle’s value and risk level.
- Driving History: Details about any accidents, traffic violations, or claims in the past few years will be necessary. This includes dates and details of each incident.
- Current Insurance Policy: If you have existing coverage, your current policy’s declarations page can help you get comparable quotes and potentially find better rates.
- Annual Mileage: Know approximately how much you drive each year. Higher mileage can lead to higher premiums.
- Credit History (where applicable): In some states, your credit history may impact your insurance rates. Be prepared for this by knowing your credit standing.
- Residential Information: Where you live can affect your insurance rates due to varying risks and theft rates in different areas.
- Desired Coverage Levels: Decide in advance what types of coverage and deductibles you are interested in. This helps get a quote that matches your needs and budget.
Tips Before Starting the Quote Process
- Review Your Driving Record: Make sure you know the details of your driving history. Errors in your driving record can be corrected before they impact your quote.
- Assess Your Coverage Needs: Evaluate what coverage types are essential for you—like collision, comprehensive, or just liability. Knowing what you need ahead of time can make the quoting process more efficient.
- Compare Apples to Apples: When getting quotes from different insurers, ensure you are comparing similar coverages, limits, and deductibles. This consistency gives you a true comparison of rates and coverage options.
- Check for Discounts: Be aware of any potential discounts you may qualify for, such as multi-car, good driver, or student discounts. Mention these during your quote process to get the best rates.
By being prepared with the right information and understanding what to expect, you can navigate the insurance quoting process with confidence and secure a policy that best fits your needs.
Step-by-Step Guide to Getting a Free Automobile Insurance Quote Online
Here’s a simple guide to obtaining a quote from an insurance provider’s website, ensuring you understand every step and term along the way.
1. Selecting the Right Insurance Provider
- Research: Begin by researching reputable insurance providers that offer services in your area. Look for customer reviews and ratings to gauge their reliability and customer service quality.
- Visit the Website: Once you’ve chosen a provider, visit their official website. Most insurance companies prominently display their ‘Get a Quote’ option on their home page.
2. Filling Out the Quote Form
- Personal Information: You will need to provide basic personal information such as your name, address, date of birth, and contact details. This information helps the insurer assess your profile.
- Vehicle Details: Enter details about the vehicle you want to insure, including make, model, year, and any modifications. This information impacts the cost of your insurance.
- Driving History: You’ll also need to provide your driving history, including any previous accidents or traffic violations, which can affect your insurance rates.
3. Understanding Insurance Terms
- Coverage Types: Understand the different types of coverage available, such as liability, collision, and comprehensive. Choose what suits your needs and budget.
- Deductibles: Pay attention to the deductible amounts. A higher deductible can lower your monthly premium but means more out-of-pocket expenses during a claim.
- Premiums: Review how the premiums are structured and what factors might influence their increase or decrease annually.
4. Reviewing and Submitting the Form
- Review Your Details: Double-check all the information you’ve entered for accuracy. Incorrect information can lead to discrepancies in your quote or issues with future claims.
- Submit the Form: Once you’re sure everything is accurate, submit the form. You’ll typically receive an instant quote based on the information provided.
5. Evaluating the Quote
- Compare Quotes: If possible, get quotes from multiple providers to compare prices and coverage options.
- Contact Customer Service: If you have questions about the quote or the coverage options, don’t hesitate to contact the provider’s customer service for clarification.
6. Making an Informed Decision
- Assess Value: Evaluate the cost against the coverage offered. Consider aspects like customer service and claim settlement efficiency.
- Choose the Best Offer: Select the insurance that offers the best overall value based on your specific needs and budget.
By following these steps, you can efficiently obtain a comprehensive and competitive automobile insurance quote online, ensuring you’re well-informed about the terms and coverage you’re considering.
What to Look for in a Free Automobile Insurance Quote
When searching for the best free automobile insurance quote, it’s essential to understand what makes a good insurance quote and which terms to keep an eye on. Here’s a breakdown to guide your decision-making process.
Key Components of a Good Insurance Quote
- Coverage Options: Look for quotes that offer a range of coverage options, including liability, collision, and comprehensive coverage. This allows you to tailor your policy to meet your specific needs.
- Price Breakdown: Ensure the quote includes a clear breakdown of costs. This should cover premiums, deductibles, and any other fees or discounts that apply, helping you see exactly what you’re paying for.
- Policy Limits: Pay attention to the maximum amount the insurance company will pay under different coverage sections. Higher limits generally mean better protection.
- Customer Service Ratings: Consider insurers with strong customer service ratings. Good customer support can be invaluable, especially when filing claims or seeking clarification on policy details.
- Claim Process: Understand the claim filing process. Look for insurers known for handling claims efficiently and fairly.
Common Terms in Insurance Policies
- Deductible: The amount you pay out of pocket before your insurance covers the rest. A lower deductible can mean a higher premium, and vice versa.
- Premium: The amount you pay for your insurance policy, typically quoted as a monthly or annual rate. This is influenced by factors like your driving history, car model, and geographical location.
- Exclusions: These are situations or circumstances that your policy does not cover. Understanding exclusions can prevent surprises when you need to make a claim.
- Liability Coverage: This is essential and covers costs if you are at fault in an accident. It includes bodily injury liability and property damage liability.
- Comprehensive Coverage: Covers damage to your car that isn’t caused by a collision, such as theft, fire, or natural disasters.
Knowing these components and terms can help you choose the best free automobile insurance quote that provides adequate protection at a reasonable cost. Always compare multiple quotes and read the fine print before making a decision.
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% |
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 |
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 |
Comparing Insurance Quotes for Automobiles: Do’s and Don’ts
When shopping for car insurance, comparing quotes from different providers is essential to finding the best coverage at the most affordable price. Here’s how to effectively handle this process and the common pitfalls to avoid.
Do’s of Comparing Car Insurance Quotes
- Gather Information: Before you start comparing quotes, make sure you have all the necessary information about your vehicle, driving history, and any other drivers on your policy.
- Compare Similar Coverage: Ensure that each quote is for the same level of coverage, deductibles, and limits. This will give you a true comparison between providers.
- Check Insurer’s Reputation: Look into the insurer’s customer service reputation, claim settlement ratio, and financial strength.
- Look for Discounts: Identify discounts for which you may be eligible, such as multi-car discounts, good driver discounts, or discounts for security features on your vehicle.
- Use Online Tools: Utilize online comparison tools and calculators to streamline the process and make it easier to compare different quotes side by side.
Don’ts of Comparing Car Insurance Quotes
- Ignoring Total Cost: Don’t focus solely on the premium. Consider the total cost including deductibles, coverage limits, and any additional fees.
- Overlooking Policy Terms: Avoid skipping over the details of the policy terms. Understanding the fine print can save you from unexpected costs and coverage gaps.
- Rushing the Process: Take your time. Rushing through the comparison might lead you to miss out on better deals or more suitable coverage.
- Underinsuring to Save Money: Opting for lower premiums by choosing lower coverage limits can end up costing you more in the long run if you need to make a claim.
- Not Updating Information: Ensure that all your information is up to date when obtaining quotes. Changes in your driving record, address, or vehicle details can affect your rates.
By following these tips and avoiding these common mistakes, you can make a well-informed decision that ensures optimal coverage and value from your car insurance policy.
How to Finalize Your Insurance Policy After Getting Automobile Quotes
Once you’ve received and compared quotes for your auto insurance, the next step is finalizing your policy. This process involves more than just selecting the lowest price; it requires a careful review to ensure the policy meets all your needs. Here’s a straightforward guide to help you seal the deal on your auto insurance policy effectively.
Step-by-Step Guide on Finalizing Your Auto Insurance Policy
- Choose the Best Quote: Select a quote that offers a balance of comprehensive coverage and a reasonable premium. Don’t just opt for the cheapest; consider the benefits each policy provides.
- Contact the Insurance Provider: Reach out to the insurance company or agent to express your interest in proceeding with the selected quote. This is a good time to ask any lingering questions you might have.
- Review the Policy Details: Carefully examine the terms of the policy. Pay close attention to coverage limits, deductibles, exclusions, and any additional features or benefits.
- Verify Company Credentials: Ensure the insurance company is licensed to operate in your state and has a good reputation for service and claims processing.
- Confirm Your Personal Information: Double-check all personal information on the policy to avoid future complications. This includes your full name, address, vehicle information, and driver’s license number.
- Ask About Discounts and Adjustments: Inquire about any possible discounts for which you may qualify, such as multi-car discounts, safe driver discounts, or others that can reduce your premium.
- Finalize the Policy: Once you are satisfied with the policy details and the provider, sign the insurance agreement. Make sure you receive a confirmation that your policy is active.
- Make the Initial Payment: Pay your first premium to start your coverage. Insurance companies may offer various payment methods, so choose the one that’s most convenient for you.
- Receive Your Proof of Insurance: Obtain a proof of insurance card or document from your insurer. Keep this in your vehicle at all times as proof of your current insurance status.
Importance of Reviewing the Policy Details Before Confirmation
Finalizing your auto insurance policy without a thorough review can lead to unpleasant surprises when you file a claim. Here’s why it’s crucial to scrutinize the policy details:
- Ensures Adequate Coverage: Understanding the limits and scope of your coverage helps you avoid being underinsured.
- Prevents Overpaying: By knowing exactly what you’re paying for, you can avoid unnecessary costs and ensure you’re getting value for your money.
- Clarifies Terms and Conditions: Familiarity with the policy’s terms helps you understand what is covered and what is not, reducing the risk of disputes with your insurer.
- Identifies Exclusions: Knowing what is excluded from your policy helps you assess if you need additional coverage or a different policy altogether.
Taking the time to review and finalize your auto insurance carefully will help you secure the coverage you need, giving you peace of mind on the road.
FAQs about Automobile Insurance Quotes
1. What factors affect my automobile insurance quote?
Your automobile insurance quote can be influenced by several factors including your driving record, the make and model of your vehicle, your age and gender, the amount of coverage you select, and your geographic location.
2. How can I get the best rate on my car insurance?
To secure the best rate, it’s advisable to compare quotes from multiple insurers. Additionally, consider increasing your deductible, maintaining a clean driving record, and applying for any eligible discounts, such as those for good drivers or multi-car policies.
3. Is online insurance quoting safe and reliable?
Yes, obtaining insurance quotes online is both safe and reliable. Ensure that you are using reputable websites and providing accurate information to get the most precise quotes. Always verify the insurer’s credentials before purchasing a policy.
4. How often should I compare automobile insurance quotes?
It’s a good practice to compare automobile insurance quotes annually or whenever there are significant changes in your driving situation, such as buying a new car, moving to a different area, or adding another driver to your policy.
5. What should I do if my automobile insurance quote seems too high?
If your quote seems unusually high, review your driving record and the information you provided to ensure accuracy. You can also ask the insurance company for details on how the quote was calculated and check if there are additional discounts you might qualify for.
Conclusion
In conclusion, obtaining a free automobile insurance quote is an essential step toward securing your financial safety on the road. It empowers you with the knowledge to compare rates, understand coverage options, and ultimately find the most cost-effective plan that meets your specific needs.
We encourage you to use the tips discussed in this guide to navigate the complexities of auto insurance. Act now—don’t wait until it’s too late. Leverage these insights to make an informed and savvy insurance choice that safeguards your vehicle and your wallet.
References
For those seeking further information or looking to validate the details provided in our guide to Automobile Insurance Quotes, here are several reputable sources that can enhance your understanding and assist in making informed decisions about auto insurance:
- Insurance Information Institute (III) – A comprehensive resource that offers detailed insights into various types of insurance policies, including auto insurance. Their website is a treasure trove of data and guidelines that can help you understand the nuances of insurance coverage. Visit III.
- National Association of Insurance Commissioners (NAIC) – NAIC provides up-to-date information and tools to help you choose the right insurance policy. Their consumer section offers tips on purchasing auto insurance and understanding your policy’s terms. Explore NAIC Resources.
- Consumer Reports – Known for its unbiased reviews and assessments, Consumer Reports offers detailed reviews and comparisons of auto insurance providers, helping you make an informed choice based on reliability and service quality. Read Consumer Reports.
- Edmunds – While primarily focused on automobiles, Edmunds also provides useful information about the costs associated with owning and insuring different types of vehicles. Their guides can help you understand how vehicle choice impacts insurance rates. Check Out Edmunds.
Each of these sources is renowned for its reliability and thoroughness in the field of insurance and financial services. Accessing these sites will provide you with a broader perspective and deeper insights into the best practices for selecting automobile insurance.
