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You might find that there are many different viewpoints on the company to select and the type of coverage to purchase when you compare COMPARE VEHICLE INSURANCE insurance quotes.
One of the best methods to save money is to compare prices from several insurance providers. And it’s not a lengthy procedure. Finding the greatest auto insurance prices and the proper policy just requires a small amount of time.
Table of contents
- How Do I Get Free Car Insurance Quotes?
- What Is the Cheapest Car Insurance?
- Compare Car Insurance Rates 2022
- What Factors Influence My Car Insurance Quotes?
- How to Compare Car Insurance Quotes
How Do I Get Free Car Insurance Quotes?
Here are two methods for obtaining free vehicle insurance quotes.
1. Online.
Online free vehicle insurance quotes are available from numerous auto insurance providers. You can compare prices by going to the websites of several insurance providers. Use a website that offers quotes from many businesses to save time.
2. Via telephone or personally.
Speak to or contact a local insurance agent who can provide you with a car insurance estimate and assist you in locating solutions that are reasonably priced.
Insurance agents typically fall into one of two categories:
1. A “captive” agent works exclusively for one insurance provider and can only provide you with quotes from that provider.
2. An “independent” insurance agent can obtain estimates from many insurers and sell plans from a variety of insurance providers.
Both strategies have advantages, and it is not illegal to speak with several insurance agents. It doesn’t hurt to compare prices online and speak with an agent who can help you determine your coverage requirements and create the best policy for you.
What Information Do I Need to Get Auto Insurance Quotes?
To make the process go as smoothly as possible, it helps to have the following information on hand:
- Driver’s license. If there are any other drivers in your household, you’ll need their driver’s license information as well.
- Vehicle identification number (VIN). Your vehicle’s VIN is normally located on the driver’s side dashboard or on a sticker inside the driver’s side door or door jamb. Ask the seller for the VIN if you are planning to buy the car but haven’t yet done so. You can typically acquire a quote with a vehicle make and model even if you haven’t decided on a car yet.
- Mileage. If you own the car, have the odometer reading handy.
- How much coverage you want. You’ll want to know what coverage types you want to buy and how much coverage you need. If you’re not sure, it’s a good idea to speak with an insurance agent who can help answer your questions.
The auto insurance company will gather additional information about you, such as your driving history, past auto insurance claims and (in most states) your credit.
What Is the Cheapest Car Insurance?
According to our survey of the best inexpensive car insurance providers countrywide, USAA consistently offers the lowest car insurance rates. However, USAA auto insurance is only offered to active duty personnel, veterans, and their families.
Based on national averages, our investigation revealed that Erie, Geico, and State Farm provide competitive rates if you don’t qualify for a coverage via USAA. It’s still a good idea to compare estimates from several providers because the cheapest auto insurance rates might vary by state, driving history, and other factors.
Compare Car Insurance Rates by Company
-
USAA
Company
-
$1,141
Average national rates for good drivers
Compare Car Insurance Rates 2022
Comparing auto insurance quotes is all about gathering options so you can find the best car insurance companies.
Compare car insurance rates:
- By company
- By state
- By age and gender
- By credit score
- For drivers with a DUI
- For drivers with an at-fault accident
- For drivers with a speeding ticket
- For seniors
- For adding a teen driver
Compare Car Insurance Rates by Company
Car insurance policies are not all priced the same. It is crucial to compare auto insurance quotes from various providers because of this. Here are some examples of major insurance providers and typical national premiums for safe-drivers (meaning no traffic violations or at-fault accidents).
| Company | Average national rates for good drivers |
|---|---|
| USAA | $1,141 |
| Geico | $1,182 |
| State Farm | $1,402 |
| Erie | $1,419 |
| Travelers | $1,435 |
| Auto-Owners | $1,532 |
| Nationwide | $1,540 |
| Progressive | $1,892 |
| Allstate | $2,022 |
| Farmers | $2,124 |
Compare Car Insurance Rates by State
| State | Average annual cost of car insurance for good drivers |
|---|---|
| Alabama | $1,546 |
| Alaska | $1,325 |
| Arizona | $1,731 |
| Arkansas | $1,803 |
| California | $2,466 |
| Colorado | $2,034 |
| Connecticut | $1,463 |
| Delaware | $1,767 |
| District of Columbia | $1,574 |
| Florida | $3,158 |
| Georgia | $1,683 |
| Hawaii | $1,157 |
| Idaho | $1,171 |
| Illinois | $1,693 |
| Indiana | $1,296 |
| Iowa | $1,243 |
| Kansas | $1,940 |
| Kentucky | $2,233 |
| Louisiana | $3,544 |
| Maine | $1,022 |
| Maryland | $1,790 |
| Massachusetts | $1,836 |
| Michigan | $2,470 |
| Minnesota | $1,686 |
| Mississippi | $1,655 |
| Missouri | $1,834 |
| Montana | $1,501 |
| Nebraska | $1,718 |
| Nevada | $2,176 |
| New Hampshire | $1,066 |
| New Jersey | $2,332 |
| New Mexico | $1,692 |
| New York | $1,780 |
| North Carolina | $1,275 |
| North Dakota | $1,372 |
| Ohio | $1,171 |
| Oklahoma | $1,840 |
| Oregon | $1,543 |
| Pennsylvania | $1,790 |
| Rhode Island | $1,934 |
| South Carolina | $2,025 |
| South Dakota | $1,889 |
| Tennessee | $1,323 |
| Texas | $1,574 |
| Utah | $1,514 |
| Vermont | $1,174 |
| Virginia | $1,220 |
| Washington | $1,427 |
| West Virginia | $1,582 |
| Wisconsin | $1,299 |
| Wyoming | $1,452 |
| Source: Quadrant Information Services; Average annual rates for a good driver age 30 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible. |
Compare Auto Insurance Rates by Age and Gender 2022
Car insurance prices are influenced by your age and gender. Young, inexperienced drivers pay the most and might anticipate a decrease in their rates after they turn 25. The greatest prices for drivers with clean driving histories are available in their 50s and 60s. Around the age of 65, rates start to rise once more.
| Age | Average national rates for a female driver | Average national rates for a male driver |
|---|---|---|
| 16 | $6,408 | $7,188 |
| 20 | $3,100 | $3,536 |
| 25 | $1,870 | $1,964 |
| 35 | $1,651 | $1,651 |
| 40 | $1,614 | $1,607 |
| 45 | $1,586 | $1,579 |
| 50 | $1,512 | $1,517 |
| 55 | $1,465 | $1,475 |
| 60 | $1,454 | $1,468 |
| 65 | $1,489 | $1,513 |
| 70 | $1,573 | $1,608 |
| 75 | $1,712 | $1,780 |
| 80 | $1,880 | $1,997 |
According to a Forbes Advisor survey, the majority of drivers oppose the idea of auto insurance providers using gender in vehicle insurance quotes. The majority of motorists (62%) believe that gender shouldn’t affect how much their auto insurance will cost. In contrast to the 41% of males who support it, 72% of women oppose it.
In your opinion, should auto insurance companies take a driver’s gender into account when it comes to pricing?
| Answer | % female response | % male response |
|---|---|---|
| Yes | 18% | 53% |
| No | 72% | 41% |
| Don’t know/Prefer not to answer | 10% | 6% |
Compare Car Insurance Rates by Credit Score
When determining your car insurance quotations, car insurance firms frequently employ an insurance-based credit score. Drivers with bad credit might anticipate paying rates that are much higher than those of drivers with good credit. Shopping around is essential for this reason.
According to insurers, a person’s credit corresponds with their propensity to file an insurance claim. When determining prices, many insurers give credit-based insurance ratings a lot of consideration.
Even though using credit is debatable, drivers appear to be coming up to the idea. According to a June 2022 Forbes Advisor study:
- 42% of car insurance customers believe credit should be factored into car insurance rates.
- That’s nearly double the percentage as last year, when only 22% approved of the practice in a Forbes Advisor survey.
Using insurance-based credit scores for car insurance is banned in California, Hawaii, Massachusetts and Michigan.
Compare Car Insurance Rates by Credit Score
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Geico
Company
-
$1,221
Average annual rates
-
43.30%
Average increase for drivers with poor credit
The table shows the average national rate increase for drivers with poor credit compared to good drivers.
| Company | Average annual rates | Average annual rates for drivers with poor credit | Average increase for drivers with poor credit |
|---|---|---|---|
| Geico | $1,221 | $1,750 | 43.30% |
| USAA | $1,111 | $1,865 | 67.90% |
| Nationwide | $1,411 | $1,905 | 35% |
| Travelers | $1,499 | $2,487 | 65.90% |
| Erie | $1,182 | $2,694 | 127.90% |
| Progressive | $1,825 | $3,052 | 67.20% |
| Farmers | $2,073 | $3,409 | 64.40% |
| Allstate | $2,315 | $3,617 | 56.20% |
| State Farm | $1,403 | $3,849 | 174.30% |
| Auto-Owners | $1,520 | $3,970 | 161.20% |
Compare Car Insurance for Drivers with a DUI
A DUI is a costly mistake. Our analysis found that the national average car insurance rate increase for drivers with a DUI is 74%. Here’s a look at rate increases after a DUI among large insurance companies.
Compare Car Insurance for Drivers with a DUI
-
State Farm
Company
-
$1,942
Average annual rates with one DUI
-
38%
Average rate increase after a DUI
| Company | Average annual rates | Average annual rates with one DUI | Average rate increase after a DUI |
|---|---|---|---|
| State Farm | $1,403 | $1,942 | 38% |
| Erie | $1,182 | $2,077 | 76% |
| USAA | $1,111 | $2,138 | 92% |
| Travelers | $1,499 | $2,248 | 50% |
| Progressive | $1,825 | $2,329 | 28% |
| Farmers | $2,073 | $2,865 | 38% |
| Auto-Owners | $1,520 | $2,894 | 90% |
| Nationwide | $1,411 | $2,942 | 109% |
| Geico | $1,221 | $3,129 | 156% |
| Allstate | $2,315 | $3,382 | 46% |
Related: Best cheap car insurance after a DUI
Compare Car Insurance Rates for Drivers with an At-Fault Accident
Your auto insurance will most likely increase if you cause a collision. Here is a comparison of the rate hikes for bad drivers versus those who caused accidents that resulted in injuries.
Compare Car Insurance Rates for Drivers with an At-Fault Accident
-
USAA
Company
-
$1,676
Average annual rates with one at-fault accident causing injury
-
50.90%
Average rate increase after one at-fault accident causing injury
| Company | Average annual rates | Average annual rates with one at-fault accident causing injury | Average rate increase after one at-fault accident causing injury |
|---|---|---|---|
| USAA | $1,111 | $1,676 | 50.90% |
| State Farm | $1,403 | $1,713 | 22.10% |
| Erie | $1,182 | $1,733 | 47% |
| Auto-Owners | $1,520 | $2,089 | 37.40% |
| Travelers | $1,499 | $2,356 | 57.20% |
| Geico | $1,221 | $2,490 | 103.90% |
| Nationwide | $1,411 | $2,651 | 87.90% |
| Progressive | $1,825 | $3,070 | 68.20% |
| Farmers | $2,073 | $3,662 | 76.70% |
| Allstate | $2,315 | $3,973 | 71.60% |
Compare Car Insurance Rates for Drivers with a Speeding Ticket
Drivers with a heavy foot can expect car insurance rates to go up after a speeding ticket. Here’s a look at rate increases for drivers with one speeding ticket.
Compare Car Insurance Rates for Drivers with a Speeding Ticket
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USAA
Company
-
$1,190
Average annual rates with one speeding ticket
-
7.10%
Average rate increase after a speeding ticket
| Company | Average annual rates | Average annual rates with one speeding ticket | Average rate increase after a speeding ticket |
|---|---|---|---|
| USAA | $1,111 | $1,190 | 7.10% |
| Erie | $1,182 | $1,256 | 6.30% |
| Geico | $1,221 | $1,384 | 13% |
| State Farm | $1,403 | $1,403 | 0% |
| Auto-Owners | $1,520 | $1,520 | 0% |
| Travelers | $1,499 | $1,668 | 11.30% |
| Nationwide | $1,411 | $1,683 | 19.30% |
| Progressive | $1,825 | $2,075 | 13.70% |
| Farmers | $2,073 | $2,563 | 23.60% |
| Allstate | $2,315 | $2,581 | 11.50% |
Compare Car Insurance Rates for Seniors
The most affordable vehicle insurance companies for seniors are Geico and USAA, with premiums that are significantly less than the $1,719 national average for senior drivers. When you reach your senior years, your likelihood of paying more for vehicle insurance increases, so it’s critical to compare quotes from different insurers to ensure you’re getting the lowest prices for your policy.
Compare Car Insurance Rates for Seniors
-
Geico
Company
-
$1,021
Average rates for 65-year-old male
-
$1,044
Average rates for 65-year-old female
| Company | Average annual senior rates | Average rates for 65-year-old male | Average rates for 65-year-old female | Average rates for 75-year-old male | Average rates for 75-year-old female |
|---|---|---|---|---|---|
| Geico | $1,197 | $1,021 | $1,044 | $1,231 | $1,114 |
| USAA | $1,299 | $1,045 | $1,023 | $1,274 | $1,209 |
| State Farm | $1,423 | $1,252 | $1,252 | $1,400 | $1,400 |
| Travelers | $1,515 | $1,283 | $1,219 | $1,554 | $1,409 |
| Erie | $1,525 | $1,277 | $1,238 | $1,504 | $1,471 |
| Nationwide | $1,611 | $1,363 | $1,333 | $1,674 | $1,531 |
| Auto-Owners | $1,633 | $1,353 | $1,366 | $1,508 | $1,522 |
| Progressive | $1,940 | $1,649 | $1,610 | $2,097 | $1,854 |
| Allstate | $2,244 | $1,938 | $1,898 | $2,157 | $2,112 |
| Farmers | $2,385 | $2,005 | $1,926 | $2,450 | $2,256 |
Compare Car Insurance Rates for Adding a Teen Driver
-
Nationwide
Company
-
55%
Average national rate increase after adding a teen driver
Compare Car Insurance Rates for Adding a Teen Driver
Here’s a look at the national average car insurance rate increases for a married couple that adds a teen driver to a policy with coverage of 100/300/100 and collision and comprehensive insurance.
| Company | Average national rate increase after adding a teen driver |
|---|---|
| Nationwide | 55% |
| American Family Insurance | 130.40% |
| Geico | 111.70% |
| Allstate | 92.90% |
| Farmers | 73.20% |
| USAA | 168.20% |
| Erie Insurance | 108% |
| State Farm | 104.50% |
| Auto-Owners Insurance | 181.60% |
| Progressive | 147.90% |
| MetLife | 174.10% |
Related: Best cheap car insurance for teens
What Factors Influence My Car Insurance Quotes?
Car insurance quotes are influenced by a number of variables. Some of the most prevalent pricing considerations are listed below:
Your record as a driver
Drivers who have a spotless driving record will pay less than those with moving offenses and at-fault collisions. Depending on your state, auto insurance providers often consider your driving history over the previous three to five years.
your Vehicle
Your quote is affected by the kind of vehicle you drive. Your auto insurance prices could be lowered if your vehicle has certain safety features (such air bags and backup cameras for the rear view mirror).
Your Current Location
The location of your home has a big impact on rates. For instance, automobile insurance claims are more common among urban drivers, which typically results in higher premiums.
Driving Experience
Teenagers and other young, inexperienced drivers will pay more than older, more seasoned drivers.
Additional price variables
Additionally, many auto insurance providers consider things like gender, age, occupation, marital status, home ownership, and credit. Sometimes specific factors cannot be employed due to state law. For instance, the use of credit scores in auto insurance quotations is prohibited in Massachusetts, Michigan, Hawaii, California, and Hawaii.
others covered by your insurance
If you live with other drivers, their driving history will have an effect on your rate. Adding a teen driver to your policy, for instance, will result in a sizable increase in your auto insurance costs.
How Can I Pick the Appropriate Coverage Types?
Your auto insurance estimate will be significantly influenced by the types and amounts of coverage you select. However, don’t let your price-focused attitude cause you to forgo essential coverage. If you don’t purchase adequate insurance, you’ll have a coverage gap that, should you be involved in a car accident, could result in severe financial hardship.
Your objective is to locate the best insurance at the most affordable price for your unique circumstances. Here are a few typical coverage types to think about.
Car Liability Insurance
When you cause a car accident, car liability insurance is a crucial protection that covers other people’s medical expenses and property damage. In the event that you are sued due to an automobile accident, it also covers your legal defense.
There are minimum requirements for auto liability insurance in all states bar New Hampshire and Virginia, but it’s a good idea to purchase more than that. This is due to the fact that, in the event of a serious accident, the minimal amounts are frequently woefully insufficient to pay for medical expenses and property damage.
You can be forced to cover the remaining costs out of pocket if your policy limits are too low. A reasonable rule of thumb is to purchase liability insurance that is sufficient to cover your net worth, or the potential loss from a lawsuit.
Adding umbrella insurance to your auto policy is a fantastic method to increase the liability protection it provides.
The phrase “full coverage automobile insurance” may be familiar to you. This describes an insurance plan that normally covers liability, collision, and comprehensive coverage.
Comprehensive and Collision Insurance
For a range of issues, including car accidents (regardless of responsibility), car theft, vandalism, fires, floods, falling items (like tree branches), and collisions with animals, collision and comprehensive insurance pay for repairs to your car.
Although collision and comprehensive insurance are sometimes provided combined, you can also buy them separately. Get a car insurance quotation for comprehensive insurance without collision, for instance, if you only want coverage for issues like theft and flooding.
Just be aware that purchasing one without the other could result in a sizable coverage gap. For instance, collision coverage is necessary to cover repair costs if you rear-end a pole.
You are probably obligated to carry both regardless if you have a car loan or lease.
Coverage for Uninsured and Underinsured Drivers
When you are involved in a car accident that was either caused by someone who did not have liability insurance or who did not have enough liability insurance to cover all of your medical bills, uninsured and underinsured motorist coverage pays for your medical bills as well as other costs like lost wages.
Some states mandate uninsured motorist coverage for drivers.
Health Insurance Coverage
Depending on the state, this sort of insurance may or may not pay for medical bills and other costs (such as lost earnings) if you or your passengers are hurt in a car accident, regardless of who was at fault.
Some states’ “no-fault” auto insurance programs mandate personal injury protection insurance (PIP).
Other Car Insurance Coverage Types
You’ll generally find several options beyond the basics when you compare car insurance quotes. These types can help you fill coverage gaps if you want to pay the extra money:
- Gap insurance. If your car is totaled or stolen and the vehicle’s value is less than the amount you own on a car loan or lease, this coverage pays the “gap” between the insurance check and what you owe.
- Rental reimbursement auto insurance. This covers the cost of a rental car while your car is being repaired for an accident insurance claim. But daily limits can be low, so make sure you need it.
- Roadside assistance insurance. If you’re stranded on the side of the road, roadside assistance insurance will pay for a tow, a jump-start for a dead battery, gas for empty tanks and a locksmith if you manage to lock your keys in the car. You may be able to find a better deal on roadside assistance elsewhere, such as an auto club.
How to Compare Car Insurance Quotes
Many Drivers Don’t Know That Car Insurance Quotes are Free
The false perception that receiving quotations will cost money is one potential obstacle for people looking to get insurance. According to a recent poll by Forbes Advisor, around a quarter (27%) of respondents claimed that acquiring vehicle insurance quotes costs money either occasionally or always. There isn’t.
More men than women believed it was necessary to pay for vehicle insurance quotations, which is false:
- Half (50%) of men surveyed said they thought you have to pay at least some of the time to get quotes compared to just 16% of women
- 61% of women correctly said you typically don’t have to pay to get car insurance quotes. Only 36% of men knew that.
Here are tips for comparing car insurance quotes:
Here are tips for comparing car insurance quotes:
Decide how much protection you require.
As low limits can be exceeded by even minor accidents, consider if it makes sense to purchase more than your state’s minimal liability requirements. In nearly all circumstances, it does. Choose a deductible amount and decide whether you want comprehensive and collision coverage for your own vehicle.
customer service research
Examine customer satisfaction scores to locate an insurance provider that will be accommodating if you need to make a claim and that will assist you in choosing the greatest selections for coverage that suit your requirements.
Check the discounts and coverage choices.
Make sure the businesses you’re thinking about offer discounts and coverage alternatives that are appropriate for your driving style. Check to see if these are available, for instance, if you want pet injury coverage included with the choice of a usage-based plan or accident forgiveness. Consider a business with good student and low-mileage discounts if you have a teen driver and work from home.
Compare similar coverage quantities
To ensure that you are receiving an equitable comparison, compare vehicle insurance rates for the exact same level of coverage. Compare prices from various insurance providers.
Methodology
For drivers with liability coverage of $100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $100,000 for property damage (100/300/100), as well as collision and comprehensive insurance, we averaged the rate rise in each state among major insurers. Information from Quadrant Information Services
You might find that there are many different viewpoints on the company to select and the type of coverage to purchase when you compare auto insurance quotes.
One of the best methods to save money is to compare prices from several insurance providers. And it’s not a lengthy procedure. Finding the greatest auto insurance prices and the proper policy just requires a small amount of time.
Car Insurance Quote Comparison
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FAQ for Auto Insurance Quotes
What do auto insurance quotes entail?
A free estimate of the cost of your auto insurance coverage is known as a car insurance quote. It depends on a number of variables, including your age, driving record, the kind of vehicle you drive, your residence, and any prior car insurance claims.
It’s crucial to compare car insurance quotes from many insurance providers because each insurance provider uses a different algorithm to determine auto insurance costs. A separate firm may charge less (or more) for the same coverage.
How can I get cheaper auto insurance?
Receiving car insurance discounts is one of the best methods to reduce the cost of your auto insurance, even though your automobile, driving record, location, and other factors will all affect the price of your policy.
For instance, you will typically receive a nice bundling discount if you insure both your home and your car with the same company. You can normally receive a 5% to 25% reduction when you combine your auto and home insurance. Other policies, such as renters’, condo, and life insurance, can also be bundled.
Can I receive a quotation on car insurance before I purchase a vehicle?
It’s a good idea to compare car insurance quotes before you purchase a vehicle in case the cost of insurance is out of your price range.
If you compare vehicle insurance estimates for a standard sedan and a sports car, for instance, you’ll typically discover that the sports car’s insurance premiums are significantly higher.
Why are the prices for my car insurance so high?
Your driving record likely contributes to the increase in your premiums since it has a significant impact on auto insurance prices.
Even more than a history of accidents, poor credit can raise the cost of auto insurance.
The kind of automobile you drive, where you reside, and the number of other drivers in your household are additional cost variables. It is crucial to compare automobile insurance quotes from various providers for this reason.
What is full coverage auto insurance?
Comprehensive auto insurance covers damage to your car that wasn’t caused by an accident. This covers harm caused by riots, fires, floods, vandalism, hail, natural disasters (including tornadoes), falling objects, and vandalism. It also includes coverage for vehicle theft and animal collisions.
Collision insurance must be added if you want coverage for auto accidents.
If you have a car loan or lease, collision and comprehensive insurance are sometimes marketed as a package deal. You may file a damage claim with the party that caused the accident’s liability insurance.
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