Compare Car Insurance Quotes Online

Compare Car Insurance Quotes Online

Compare Car Insurance Quotes Online

When you shop around for car insurance offers, you can get a lot of opinions about which company to use and which coverage to get.

Comparing quotes from several different insurance companies is one of the best ways to save money. And this is not a process that takes several hours. With minimal time, you can find the best auto insurance quotes and the policy that is right for you.

How Do I Get Free Car Insurance Quotes?

There are two ways to get car insurance quotes, which are always free:

On the Internet Online. Many car insurance companies offer free car insurance offers online. You can visit the websites of many insurance companies and compare quotes. To save time, use a website with offers from several companies.

By Phone or in person. Talk or visit a local insurance agent who will help you find the available car insurance options and provide you with a car insurance offer.

As a rule, there are two types of insurance agents:

The "Captive" agent works in one insurance company and can provide you with a quote only from this insurance company.

An "Independent" insurance agent can sell policies from many insurance companies and can get offers for you from different insurers.

Both approaches have their advantages, there is no law prohibiting contacting several insurance agents. It does not hurt to get offers online, as well as talk to an agent who will help you determine your insurance needs and develop the policy that is most suitable for you.

What Information Do I Need to Get Auto Insurance Quotes?

To make the process go as smoothly as possible, it is useful to have the following information at hand:

  • Driver's license. If there are other drivers in your family, you will also need information about their driver's license.
  • Vehicle identification number (Vin). Usually you can find your PIN on the dashboard of the car on the driver's side or print it on a sticker on the door or door jamb on the driver's side. If you have not bought a car yet, but you know what you are going to buy, ask the seller for the VIN code. If you have not yet chosen your car, you can usually get a quote indicating the make and model of the car.
  • The number of kilometers. If you have a car, keep the odometer readings handy.
  • How much coverage do you want. Do you want to know what types of coverage you want to buy and how much coverage you need. If you are not sure, it would be a good idea to talk to an insurance agent who will help answer your questions.

The car insurance company will collect additional information about you, such as your driving record, previous car insurance claims and (in most states) Your balance.

What Is the Cheapest Car Insurance?

Our analysis of the best cheap car insurance throughout the country showed that, on average, UA offers the cheapest car insurance rates. But car insurance in the USA is available only to active military personnel, veterans and their family members.

If you do not qualify for a policy through the USA, our analysis has shown that Erie, Geico and State Farm offer competitive rates based on national averages. It is still worthwhile to receive offers from many companies, because the cheapest car insurance companies can vary depending on your condition, driving experience and much more.

Compare Car Insurance Rates

Comparing auto insurance quotes is all about gathering options so you can find the best car insurance companies.

Compare Car Insurance Rates by Company

Not all car insurance companies rate their policies the same. That's why it's so important to compare car insurance quotes from many companies. Here's a look at the major insurance companies and average prices across the country for drivers with a clean driving record (which means no traffic violations or accidents caused by a mistake).

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 aged 30 with personal injury liability coverage of $100,000 person per person, $300,000 accident to accident and $100,000 for property damage, uninsured motorist insurance and any other coverage required in the state. The price also includes collision insurance and comprehensive insurance with a discount of $500.

Compare Auto Insurance Rates by Age and Gender

Your age and gender affect car insurance rates. Young inexperienced drivers pay more than others and can expect that their prices will begin to fall at the age of 25. Drivers with a good track record will enjoy the best prices between the ages of 50 and 60. Indicators begin to grow again around the age of 65.

Age Average national rates for a female driver

  • 16 $6,408
  • 20 $3,100
  • 25 $1,870
  • 35 $1,651
  • 40 $1,614
  • 45 $1,586
  • 50 $1,512
  • 55 $1,465
  • 60 $1,454
  • 65 $1,489
  • 70 $1,573
  • 75 $1,712
  • 80 $1,880

Age Average national rates for a male driver

  • 16 $7,188
  • 20 $3,536
  • 25 $1,964
  • 35 $1,651
  • 40 $1,607
  • 45 $1,579
  • 50 $1,517
  • 55 $1,475
  • 60 $1,468
  • 65 $1,513
  • 70 $1,608
  • 75 $1,780
  • 80 $1,997

According to a survey by a Forbes consultant, most drivers do not like the idea of car insurance companies using the sex factor in Car Insurance Quotes. The majority of drivers (62%) believe that sex should not affect the cost of car insurance. Almost three quarters of women (72%) do not support it, compared to 41% of men.

What Factors Influence My Car Insurance Quotes?

There are several factors that play a role in car insurance quotes. Here are some of the most common pricing factors:

Your driving history

Drivers with a clean driving history will pay less than drivers who have a track record of traffic violations and traffic accidents caused by the driver. Car insurance companies usually consider the last three to five years of your driving experience, depending on your state.

Your car

The type of car you drive affects your offer. Some security features (such as airbags, rear-view cameras) and anti-theft features can help lower your car insurance rates.


The place where you live plays an important role in betting. For example, drivers in urban areas tend to file more car insurance claims, which usually leads to higher rates.

Your driving experience

Young and inexperienced drivers (for example, teenagers) will pay more than drivers with many years of experience behind them.

Other pricing factors

Car insurance companies often take into account factors such as gender, age, occupation, marital status, home ownership and credit. State law sometimes dictates that certain factors cannot be used. For example, California, Hawaii, Massachusetts and Michigan prohibit the use of credit scores in auto insurance quotes.

Other drivers in your policy

If there are other drivers in your family, their driver's license will affect your fare. For example, if you added a teenage driver to your policy, be prepared for a significant increase in car insurance premiums.

How Do I Choose the Right Coverage Types?

The types of insurance coverage and the amount of insurance coverage you choose will have a significant impact on your auto insurance offer. But do not focus excessively on the price and save on the necessary coverage. If you do not buy enough insurance, you will have a shortage of insurance coverage, which can lead to serious financial losses if you get into a car accident.

Your goal is to find the best coverage for your specific case at the best price. Here are some common types of coverage to consider.

Car Liability Insurance

Car liability insurance is an important coverage that pays the medical bills of others and the material damage caused to you as a result of a car accident. It also pays for legal protection in case you are sued for a car accident.

In all states, with the exception of New Hampshire and Virginia, a minimum amount of car liability insurance is required, but it is better to buy more than required. This is because the minimum amounts are often catastrophically insufficient to cover medical bills and material damage if they caused a major accident.

If the limits of your policy are too low, you may need to pay for the rest out of pocket. A good rule of thumb is to buy liability insurance in an amount sufficient to cover your equity or the amount you might lose in a lawsuit.

A good way to add additional liability coverage to a car policy is to purchase umbrella insurance.

You may have heard the term "full coverage auto insurance". This usually refers to an insurance policy that includes liability insurance, collision insurance and comprehensive insurance.

Collision and Comprehensive Insurance

Collision insurance and comprehensive insurance pay for the repair of your car in case of various problems, such as car accidents (regardless of malfunction), car theft, vandalism, fires, floods, falling objects (for example, tree branches) and collisions with animals.

Although collision insurance and comprehensive coverage are often sold together, you can buy them separately. For example, if you only need insurance against problems such as theft and flooding, you can get a car insurance offer for comprehensive collision-free insurance.

Just keep in mind that buying one without the other can lead to a large gap in coverage. For example, if you hit a pole again, you will need collision insurance to pay for repairs.

If you have a car loan or rent, then most likely you will still have to carry both.

Uninsured and Underinsured Motorist Coverage

Insurance for uninsured and uninsured motorists pays medical bills and other expenses, such as loss of wages when you get into a car accident caused by someone who does not have liability insurance or does not have enough liability insurance to cover all your medical bills.

Some states require car owners to have uninsured driver's insurance.

Medical Expenses Coverage

This type of insurance coverage varies by state, but it usually covers medical bills and other types of expenses (for example, loss of wages) if you or your passengers were injured in a car accident, regardless of who caused it.

Some states require personal injury insurance (PIP) as part of "guilt-free"auto insurance systems.

Other Car Insurance Coverage Types

As a rule, when comparing car insurance quotes, you will find many options that go beyond the basic ones. These types can help you fill in the gaps in coverage if you want to pay extra money.:

  • GAP insurance. If your car was stolen or stolen, and the value of the car is less than the amount you have on a car loan or lease, then such coverage pays for the "gap" between the insurance check and what you owe.
  • Car insurance with rental compensation. This covers the cost of renting a car while repairing your car for Accident Insurance Compensation. But daily limits can be low, so make sure you need them.
  • Insurance of roadside assistance. If you are stuck on the side of the road, roadside assistance insurance will pay for towing, starting the engine when the battery is low, refueling with empty tanks and locksmith services if you managed to lock the keys in the car. You may be able to find a better deal on roadside assistance elsewhere, such as a car club.

How to Compare Car Insurance Quotes

Many Drivers Don’t Know That Car Insurance Quotes are Free

One of the potential obstacles for consumers buying insurance coverage is the disbelief that getting quotes costs money. According to a recent study by Forbes consultant, about a quarter (27%) of respondents said that getting Car Insurance Quotes costs money either from time to time or constantly. This is not so.

More men than women mistakenly believe that you have to pay to get Car Insurance Quotes:

  • Half (50%) of the men surveyed said that , in their opinion, you should pay at least part of the time for quotes, compared to only 16 % of women
  • 61% of women correctly answered that, as a rule, you do not need to pay for Car Insurance Quotes. Only 36 % of men know about it.

Here are tips for comparing car insurance rates:

Determine how much coverage you need

Assess whether it makes sense to buy more than the minimum liability requirements established by your state - in almost all cases, this is the case, since low limits can be exceeded even in minor accidents. Decide if you want your own car to be covered by comprehensive collision insurance and choose the deductible amount.

Customer service research

Review customer satisfaction ratings so that you can find an insurance company that will respond if you have to file a claim and that will help you determine the best coverage options for your needs.

Check out coverage options and discounts

Make sure that the companies you are considering provide coverage options and price benefits that match your driver profile. For example, if you want to include pet injury insurance and the possibility of having a usage-based plan or accident remission, check if it is offered. If you have a teenage driver and you work from home, it's worth considering a company with good discounts for students and low mileage.

Purchase the same amount of insurance coverage

Compare car insurance quotes for the same amount of insurance coverage to make sure you get a fair comparison. Check the rates from several insurance companies.

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