Best car insurance quotes online Compare Car Insurance Rates | October 2022

Best car insurance quotes online


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get online car insurance quotes

Shopping for car insurance but don’t know where to start? We’ll guide you through the entire process and show you average rates from the nation’s biggest insurers plus factors that affect your premium. best car insurance quotes online best car insurance quotes online

Comparison shopping is crucial if you want to save money on car insurance. Here’s why: Insurers look at similar factors, but every insurer has their own “secret sauce” when it comes to setting rates. That’s why two companies can charge wildly different rates for the same driver.

Key takeaways For Car Insurance Quotes Online

  • Shopping around is the only way to find the cheapest car insurance rate for you.

  • Your age is a big factor in determining your car insurance rates. Teens and twentysomethings have the highest car auto insurance premiums on average, per year.

  • Driving history matters. Any recent DUIs, at-fault accidents or other traffic infractions will almost always increase your rate.

  • Having poor credit can affect your auto insurance rates more than you may think. In some cases, good drivers with poor credit pay twice as much as good drivers with good credit.

Table of contents

Compare car insurance rates Compare by age Compare for drivers with a DUI Compare for drivers with poor credit Compare for drivers with an at-fault accident How to compare car insurance quotes How to choose an insurance company Compare car insurance FAQs Compare car insurance companies

Compare car insurance rates – best car insurance quotes online

Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible — that’s why we can’t tell you which company emphasizes location or a clean driving history more than others. But to help you get going, we can show you average annual rates for minimum and full coverage car insurance. To help narrow it down even further, we’ve shared average rates for drivers with various driving and credit histories in every state and for every major auto insurance company. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information. best car insurance quotes online

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

How to choose an insurance company

You’ve compared rates, and found the cheapest car insurance companies for you. But before you buy a policy, you’ll want to consider a few other factors besides price.

The best insurance companies will offer more than affordable rates. They will also provide seamless customer service and a simple way to change your policy and file a claim.

Here are a few things to check before buying an auto insurance policy:

  • Confirm your insurer has any extras you’re looking for like a mobile app or accident forgiveness.

  • Check a company’s financial strength to ensure it can pay out your claim if you need to file one. You can find a carrier’s financial strength using a rating firm like A.M. Best.

  • Look at customer complaint records on the National Association Of Insurance Commissioners’ site.

Jump to

Compare car insurance rates Compare by age Compare for drivers with a DUI Compare for drivers with poor credit Compare for drivers with an at-fault accident How to compare car insurance quotes How to choose an insurance company Compare car insurance FAQs Compare car insurance companies

Frequently asked questions About best car insurance quotes online

Why do you need to compare auto insurance quotes?

Comparing car insurance quotes is the best way to ensure that you’re getting the most for your money. Auto insurance companies look at similar factors but weigh them differently, so you’ll get differing quotes from each.

We recommend you shop around and compare rates for car insurance about once a year — this is your best bet at getting the cheapest rate. If you’ve been in a recent at-fault accident, received a speeding ticket or are about to move out of state, shop around again.

Can you get car insurance online?

Yes, buying car insurance online can be easier and more convenient than buying from an agent face-to-face. Most major insurance companies offer online quotes and let you adjust your policy details to see different prices. Remember to use a car insurance comparison tool to shop around and compare rates from at least three insurers before buying a policy.

Does an auto insurance rate change depending on your gender?

It depends. Some states — California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania and Michigan — have banned the practice of calculating auto insurance rates based on a person’s gender. But in other states, women may pay more, on average, for car insurance compared to men with similar driving records. For young adults, the trend is flipped — young men tend to pay more than women.

But switching companies can wipe out that price difference, so your best bet is to shop around to find the cheapest insurance rate you can.

How much should you be paying for car insurance?

The average cost for auto insurance is $1,630 annually, or about $136 a month, according to NerdWallet’s 2022 rates analysis. However, your car insurance premium will vary based on factors like location, gender and age.

Is auto insurance cheaper for homeowners?

Oftentimes, yes. Most insurers offer discounts for customers that bundle home and auto insurance, while others offer a separate discount just for being a homeowner. Bundling policies might also make it easier for you to keep track of your coverage and claims.

Combining policies is usually best reserved for drivers with a solid driving history. If you have multiple traffic violations, poor credit or other negative marks on your driving record, you might be better off shopping for auto insurance and homeowners insurance from separate companies.

How do you get cheap rideshare insurance?

Do you need to compare auto insurance rates if you move out of state?

While it may come as a surprise, one of the largest factors affecting your car insurance quote will be something you wouldn’t change just for cheaper car insurance — where you live. However, it does have a very big impact and should be part of financial planning if you move out of your area. For that reason, it’s good to do a car insurance quote comparison anytime you move, even within the same state.

Compare car insurance companies

Use NerdWallet’s reviews to compare car insurance companies and find the best one for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and more for all of the country’s top auto insurance companies as well as many smaller, regional insurers.

21st Century

AAA

Allstate

American Family

Amica

Auto-Owners

Chubb

Connect

Country Financial

Dairyland

Direct Auto

Encompass

Erie

Farm Bureau

Farmers

Geico

The General

Georgia Farm Bureau

Good2Go

The Hanover

The Hartford

Infinity

Liberty Mutual

Mapfre

Mercury

Metlife

Metromile

Nationwide

NJM

Progressive

Root

Safe Auto

Safeco

Shelter

State Auto

State Farm

Texas Farm Bureau

Travelers

USAA

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