Compare Car Insurance Rates & Quotes In 2024

Find the best car insurance deals by comparing quotes from various car insurance companies. We've compiled guides on all the best and cheapest car insurance policies for different types of drivers.

Compare Auto Insurance Quotes

According to a recent survey, 39% of auto insurance consumers didn’t shop around for quotes at their most recent renewal, potentially leaving money on the table. This is because while most auto insurance companies use the same rating factors, each company weighs them differently. So what you pay with one company may be drastically different than another.

If you find yourself in this category, don’t worry. It’s not too late to shop around and compare auto insurance quotes. Read on to learn more about car insurance rates and how they may compare between companies.

How to Compare Car Insurance Rates

When your car insurance is coming up for renewal and you’re ready to shop around, there are a few key steps you should follow before getting quotes. The steps are indicated below.

Gather Your Information

Your first step in getting quotes for your car insurance is to ensure you have the information most companies will need to provide an accurate price:

  • The driver’s license numbers for every driver
  • Dates of births of each driver
  • Vehicle identification number for the car
  • Accidents or violations for each driver within the past 3-5 years

As an industry veteran for over 15 years, I always recommend having a copy of your current insurance policy handy as you get quotes. Not only will it help you compare coverages and prices, but it will often have license numbers and VINs as well.

Decide How Much Car Insurance You Need

Next, you must determine how much insurance you need. Almost all states have minimum coverage requirements you must meet to register your car. For example, Texas requires drivers to carry at least $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. Remember that this is the minimum amount of coverage required and higher limits can also be purchased.

If you lease or finance your car, the bank will often require you to also purchase comprehensive and collision coverage. These coverages pay to repair your car if you are in an accident, or if your car is stolen, or damaged by fire, vandalism (like getting a cracked windshield), flooding, or other weather events. These coverages require you to choose a deductible, which is the amount you need to pay before insurance will cover the damage.

The higher the deductible, the lower your premium will be. While it may sound enticing to choose a high deductible for this reason, you will have to come up with this amount after a loss. So be sure to choose a deductible you can realistically afford.

Check Coverage Options and Discounts

In addition to choosing your liability limits and deductibles for comprehensive and collision coverage, you should inquire about additional coverages. Some common coverage options you may want to include on your policy are as follows:

  • Uninsured/Underinsured Motorist
  • Personal Injury Protection/Medical Payments
  • Lease/Loan Gap Coverage
  • Rental Car Coverage
  • Towing Coverage

There are also discounts for which you may qualify. Depending on the discount, drivers can save up to 35%. Some of the discounts offered by most companies are below.

  • Multi-Policy Discount- For bundling multiple policies with the same carrier, drivers can save between 5%-25%.
  • Paid-In Full Discount- Some insurers offer discounts between 6%-14% for paying your annual premium in full.
  • Multi-Car Discount- If you have multiple cars on one policy, a discount between 8%-25% is applied.
  • Good Driver Discount- Drivers with no violations or accidents within a certain period can save up to 26% on their policy.

This list is not exhaustive as discounts vary by company. Be sure to ask about what discounts are available during quoting.

Collect and Compare Car Insurance Quotes

Now that you’ve gathered your information and determined the appropriate coverage and discounts, it’s time to obtain your quotes. You have a few different ways you can do this. You can either utilize an insurance comparison site like Insuranceopedia, contact an independent agent, or quote with insurance companies directly.

Regardless of your chosen method, you should ensure you are quoting the same limits, coverage, and deductible amounts across companies. This will help you make a better decision on price. But remember that price isn’t the only factor.

Once you’ve narrowed down the companies you can afford, you should also compare the companies’ financial strength, and claims and customer service rating. While price is important, it’s even more imperative that a company has the financial capability to pay your claims, and will be available for any questions or policy changes. Reading customer reviews may help you decide which company is best.

 

What Affects Your Car Insurance Rates?

Your Age

How old you are and how much experience you have as a driver are significant factors in how much you pay for your insurance.

Your Gender

Statistically, younger males take more risks on the road and get into more accidents than their female counterparts. As such, gender also plays a role in how much you pay for car insurance.

Driving History

Your prior driving history is a good predictor of the type of driver you are. Most insurers will look back 3-5 years at what traffic violations, if any, you may have had to base your rates.

Credit Score

In some states, your credit score may impact your rates as well. Historically, insurers have found that drivers with lower credit scores tend to file more claims. As such, their rates will be higher for car insurance.

Marital Status

Single drivers typically pay more for insurance than married ones. This is likely due to married drivers statistically being safer behind the wheel.

Location

The state in which you live and your garaging address affect car insurance rates because some locations are riskier than others. In addition, insurance is regulated at the state level, so the type of coverage required will be dictated by where you live.

Claims History

The claims you have filed previously can tell an insurer how likely you are to file claims in the future. Accidents happen and filing claims is a normal part of having insurance. However, the frequency of accidents and claims on your record indicates that you may be riskier to insure.

Vehicle Year, Make, and Model

Some cars cost more to replace or repair after accidents. This is why the type of car you drive affects how much you pay for insurance.

Mileage

The more time you spend on the road, the more opportunities there are to get into accidents. Drivers with high annual mileage often pay more for car insurance than those who don’t drive as frequently.

Compare Car Insurance Rates In Your State

These car insurance estimates are based on the average cost of a full coverage car insurance policy in each state.

California $2,291
Florida $2,014
Alabama $1,843
Colorado $2,121
Georgia $2,085
Alaska $1,946
Arizona $1,810
Connecticut $1,553
Hawaii $1,275
Delaware $2,103
Idaho $1,065
Arkansas $2,014
Kentucky $2,124
Massachusetts $1,262
Illinois $1,806
Maine $941
Minnesota $1,643
Iowa $1,260
Maryland $1,971
Mississippi $1,782
Kansas $1,698
New Hampshire $1,275
North Carolina $1,446
Missouri $1,943
New Jersey $1,891
North Dakota $1,264
Montana $1,737
New Mexico $1,591
Ohio $1,266
Nebraska $1,531
New York $3,139
Oklahoma $1,902
Nevada $2,014
South Dakota $1,553
Vermont $1,061
Oregon $1,371
Tennessee $2,014
Virginia $1,439
Pennsylvania $2,040
Texas $2,019
Washington $1,313
Rhode Island $1,886
Utah $1,186
West Virginia $2,014
South Carolina $1,532
Wisconsin $1,186
Wyoming $1,495
Indiana $1,254
Louisiana $2,909
Michigan $2,691

Compare Auto Insurance Rates by Age

Age is an important rating factor for insurance companies because it often correlates with the amount of driving experience you have. For example, a 16-year-old frequently has less driving experience than someone in their 50’s. Also, younger drivers, such as teenage drivers, tend to be involved in more accidents statistically.

According to the Insurance Institute for Highway Safety, drivers between the ages of 16-19 are 3 times more likely to be in fatal car crashes than drivers 20 years or older. Because of this, drivers in this category tend to pay higher insurance premiums. As drivers get older, the price of their insurance will generally decrease.

Age of Driver Average Annual Premium
16 $7,203
17 $5,924
18 $5,242
19 $3,874
20 $3,532
21 $2,864
22 $2,593
23 $2,415
24 $2,267
25 $2,010
30 $1,785
32 $1,777
33 $1,752
35 $1,730
36 $1,718
38 $1,701
40 $1,682
45 $1,647
50 $1,581
55 $1,528
60 $1,511
65 $1,555
70 $1,661
75 $1,817

Liability Car Insurance Rates

Drivers who only need liability coverage on their car can expect to pay $627 annually on average. But this amount will vary depending on the factors described above, including the state you live in and the insurance company. Here are a few different liability rates by company.

Company Average Annual Premium
Auto-Owners Insurance $358
USAA $387
Geico $461
State Farm $523
Nationwide $531
Travelers $648
Progressive $697
American Family Insurance $810
Kemper $839
Farmers $1,153

Full Coverage Insurance Rates

Adding comprehensive and collision coverage onto your auto insurance is what is commonly referred to as “full coverage.” Insurance policies with these coverages cost an average of $1,982 annually. However, like liability insurance, the actual price you pay will vary by state, driving record, and insurance company.

Company Average Annual Premium
Auto-Owners Insurance $1,692
USAA $1,212
Geico $1,944
State Farm $1,500
Nationwide $2,268
Travelers $1,968
Progressive $2,040
American Family Insurance $1,920
Allstate $2,064
Farmers $3,096

Compare Car Insurance Rates for Drivers With a DUI

Drivers who are convicted of a DUI violation may find it difficult to find insurance. The insurance companies that will agree to provide coverage often charge higher rates because drivers with DUI’s are seen as riskier to insure. In fact, these drivers can expect to pay 84% more than a driver with a clean record for the same coverage.

Company Average Annual Premium (Full Coverage)
Progressive $2,776
American Family $2,983
USAA $2,751
Auto-Owners Insurance $3,363
State Farm $3,235
Nationwide $3,677
Farmers $3,517
Travelers $3,675
Geico $3,451
Allstate $3,856

Compare Car Insurance Rates for Poor Credit

Similar to having a DUI on your record, drivers with poor credit are seen as riskier to insure as well. Historically, insurers have found that drivers with lower credit tend to file more claims, so they charge them more to offset their expenses. Drivers with poor credit scores pay 109% more than drivers with excellent credit, even with the same driving record.

Company Average Annual Premium (For Full Coverage)
Geico $2,426
USAA $2,594
Nationwide $2,771
Westfield $2,964
Safe Auto $3,345
American Family $3,360
Travelers $3,381
Farmers $3,921
Allstate $4,028
Progressive $4,215

Compare Car Insurance Rates for Drivers With an Accident

Unless your insurance company offers accident forgiveness or you live in a state with specific rules regarding accidents, drivers can expect their insurance price to increase after an at-fault accident. The national average increase is about $665 a year, but the actual amount will vary by state, company, and the specific details of the accident.

Premium increases after an accident are a way insurance companies can better match the price of your policy to the level of risk involved in insuring you.

Company Average Annual Premium After One Accident
AAA $3,717
Allstate $3,397
American Family $2,404
Erie $1,607
Farmers $2,244
Geico $1,988
Nationwide $1,852
Progressive $2,638
State Farm $1,876
USAA $1,971

Compare Auto Insurance Rates by Company

The average price of car insurance is $2,014 annually for full coverage. However, because car insurance is specific to the drivers and vehicles insured, this price can vary widely. In addition, each insurance company sets its rates based on its individual loss experience. So the price you pay with one can be different than what you pay with another.

Company Average Annual Premium
Geico $1,353
Amica $1,467
USAA $1,361
State Farm $1,480
Chubb $2,472
NJM $1,229
Travelers $1,551
Country Financial $1,842
Plymouth Rock $933
Nationwide $1,422

Compare Car Insurance Rates by Vehicle

The type of vehicle you drive also determines your insurance price. Higher-end vehicles tend to cost more to replace or repair, which is why they are more expensive to insure. Some cars are more prone to theft, which can affect the price as well.

Car Average Rate
Acura ILX $1,733
Alfa Romeo Giulia $4,644
Aston Martin Rapide $781
Audi A3 $1,609
Bentley Bentayga $1,056
BMW i3 Car $1,374
Buick Enclave $477
Cadillac CT4 $1,215
Chevrolet Bolt EV $880
Chrysler Pacifica $1,259
Dodge Charger $730
Ferrari 488 Pista Spider $2,826
FIAT 500L $609
Ford Mustang $709
GMC Savana $909
Honda Civic $226
Hyundai Accent $1,081
Infiniti Q50 $3,794
Jaguar E-PACE $1,050
Jeep Wrangler $587
KIA Forte $760
Lamborghini Huracan $1,422
Land Rover Discovery Sport $1,606
Lincoln Aviator $2,129
Maserati Ghibli $1,275
Mazda 6 $2,242
Mercedes-Benz C $1,525
Mini Cooper $652
Mitsubishi Mirage $883
Nissan Altima $803
Porsche 911 $1,877
RAM 1500 $949
RAM Promaster City $1,823
Rolls-Royce Ghost $1,415
Subaru BRZ $2,642
Tesla Model 3 $755
Volkswagen Atlas $1,319
Volvo V60 $2,506

Least Expensive Vehicles To Insure

Car Average Annual Premium
Honda CR-V LX $1,574
Jeep Wrangler JL Sport $1,585
Subaru Crosstrek $1,606
Subaru Forester 2.5I $1,613
Hyundai Tuscon SE $1,637
Jeep Compass Latitude $1,645
Chevrolet Equinox L $1,661
Ford Escape S $1,663
Volkswagen Tiguan SE $1,663
Ford F-150 XL $1,672

Most Expensive Vehicles To Insure

Car Average Annual Premium
Lexus NX 300H $2,014
Dodge Ram 1500 Rebel $2,015
Lexus RX 350 $2,105
Nissan Altima 2.0 S $2,130
Tesla Model 3 Standard Plus $2,447
Volvo XC90 T8 Inscription $2,456
Lexus ES 300H $2,485
Tesla Model S Performance $3,960
Porsche Cayenne Turbo GT $4,530
BMW M4 CSL $4,598

Compare Car Insurance Rates for Drivers With a Speeding Ticket

Per the National Safety Council, 29% of all fatal car accidents had speeding as a factor. Speeding also reduces driver control, increases the severity of damage, and the risk of vehicle rollovers after a crash. Due to this, companies will charge more for insurance to drivers with speeding violations on their records.

Company Average Annual Premium
USAA $1,635
State Farm $1,872
Geico $1,906
Nationwide $1,943
Farmers $2,339
Progressive $2,390
Allstate $2,767
Erie $1,476
Auto-Owners $1,572
Travelers $1,742

Compare SR-22 Insurance Rates By U.S. State

SR-22 insurance is a certificate mandated by the state for high-risk drivers to prove they carry the minimum required liability insurance coverage. It is typically required after serious traffic violations, such as DUIs, repeated offenses, or driving without insurance. The SR-22 is filed by an insurance company with the state’s Department of Motor Vehicles (DMV) to verify that the driver meets the state’s insurance requirements. The cost of SR-22 insurance can vary widely based on factors such as the driver’s record, location, and the insurer. Below is a table showing the average cost of SR-22 insurance in each US state:

U.S. State Average Annual Rate (DUI)
SR-22 Insurance In Alabama $3,249
SR-22 Insurance In Alaska $3,034
SR-22 Insurance In Arizona $3,409
SR-22 Insurance In Arkansas $3,447
SR-22 Insurance In California $5,591
SR-22 Insurance In Colorado $3,874
SR-22 Insurance In Connecticut $3,128
SR-22 Insurance In Delaware $3,893
SR-22 Insurance In Florida $4,710
SR-22 Insurance In Georgia $3,682
SR-22 Insurance In Hawaii $3,205
SR-22 Insurance In Idaho $2,177
SR-22 Insurance In Illinois $3,421
SR-22 Insurance In Indiana $3,014
SR-22 Insurance In Iowa $2,702
SR-22 Insurance In Kansas $3,304
SR-22 Insurance In Kentucky $4,679
SR-22 Insurance In Louisiana $5,388
SR-22 Insurance In Maine $2,339
SR-22 Insurance In Maryland $3,786
SR-22 Insurance In Massachusetts $3,541
SR-22 Insurance In Michigan $5,395
SR-22 Insurance In Minnesota $3,327
SR-22 Insurance In Mississippi $3,177
SR-22 Insurance In Missouri $3,406
SR-22 Insurance In Montana $3,102
SR-22 Insurance In Nebraska $3,362
SR-22 Insurance In Nevada $3,701
SR-22 Insurance In New Hampshire $3,106
SR-22 Insurance In New Jersey $4,093
SR-22 Insurance In New Mexico $2,932
SR-22 Insurance In New York $4,837
SR-22 Insurance In North Carolina $5,098
SR-22 Insurance In North Dakota $3,176
SR-22 Insurance In Ohio $2,712
SR-22 Insurance In Oklahoma $3,365
SR-22 Insurance In Oregon $2,941
SR-22 Insurance In Pennsylvania $3,701
SR-22 Insurance In Rhode Island $4,053
SR-22 Insurance In South Carolina $3,952
SR-22 Insurance In South Dakota $3,267
SR-22 Insurance In Tennessee $3,078
SR-22 Insurance In Texas $3,571
SR-22 Insurance In Utah $3,416
SR-22 Insurance In Vermont $2,653
SR-22 Insurance In Virginia $2,798
SR-22 Insurance In Washington $2,661
SR-22 Insurance In West Virginia $3,228
SR-22 Insurance In Wisconsin $2,802
SR-22 Insurance In Wyoming $2,539

Compare Car Insurance Rates for Seniors

According to the National Highway and Traffic Safety Administration, 13% of senior drivers, aged 65 years and older were involved in fatal car accidents last year. As drivers get older and reflexes begin to decline, the incidents of car accidents increase. Senior drivers are also more prone to injuries as a result of a car crash, which is why their auto insurance prices are higher.

Company Average Annual Premium
Nationwide $1,402
USAA $1,455
Travelers $1,668
Auto-Owners $1,813
Erie $1,831
Geico $1,793
Progressive $1,937
State Farm $2,009
Westfield $2,269
Allstate $2,996

Compare Low-Income Car Insurance Rates By U.S. State

Low-income car insurance is designed to make automobile insurance more affordable for individuals and families with limited financial resources. These policies often provide the minimum required coverage mandated by state law at a reduced cost, helping low-income drivers comply with legal requirements without facing financial hardship.

Programs and eligibility criteria vary by state, but they typically consider factors such as income level, household size, and vehicle value. Low-income car insurance can help ensure that all drivers have access to essential coverage, promoting safer and more equitable roads. Below is a table showing the average cost of low-income car insurance in each US state:

U.S. State Average Rate
Low-Income Car Insurance Alabama $210
Low-Income Car Insurance Alaska $235
Low-Income Car Insurance Arizona $312
Low-Income Car Insurance Arkansas $249
Low-Income Car Insurance California $411
Low-Income Car Insurance Colorado $223
Low-Income Car Insurance Connecticut $358
Low-Income Car Insurance Delaware $597
Low-Income Car Insurance Florida $602
Low-Income Car Insurance Georgia $366
Low-Income Car Insurance Hawaii $259
Low-Income Car Insurance Idaho $121
Low-Income Car Insurance Illinois $305
Low-Income Car Insurance Indiana $207
Low-Income Car Insurance Iowa $148
Low-Income Car Insurance Kansas $244
Low-Income Car Insurance Kentucky $454
Low-Income Car Insurance Louisiana $368
Low-Income Car Insurance Maine $245
Low-Income Car Insurance Maryland $402
Low-Income Car Insurance Massachusetts $228
Low-Income Car Insurance Michigan $232
Low-Income Car Insurance Minnesota $384
Low-Income Car Insurance Mississippi $279
Low-Income Car Insurance Missouri $341
Low-Income Car Insurance Montana $188
Low-Income Car Insurance Nebraska $130
Low-Income Car Insurance Nevada $158
Low-Income Car Insurance New Hampshire $242
Low-Income Car Insurance New Jersey $495
Low-Income Car Insurance New Mexico $219
Low-Income Car Insurance New York $557
Low-Income Car Insurance North Carolina $320
Low-Income Car Insurance North Dakota $221
Low-Income Car Insurance Ohio $206
Low-Income Car Insurance Oklahoma $226
Low-Income Car Insurance Oregon $351
Low-Income Car Insurance Pennsylvania $219
Low-Income Car Insurance Rhode Island $327
Low-Income Car Insurance South Carolina $419
Low-Income Car Insurance South Dakota $197
Low-Income Car Insurance Tennessee $238
Low-Income Car Insurance Texas $275
Low-Income Car Insurance Utah $341
Low-Income Car Insurance Vermont $220
Low-Income Car Insurance Virginia $349
Low-Income Car Insurance Washington $275
Low-Income Car Insurance West Virginia $372
Low-Income Car Insurance Wisconsin $201
Low-Income Car Insurance Wyoming $167

Compare Temporary Car Insurance Rates By U.S. State

U.S. State Average Monthly Rate
Alabama $101
Alaska $81
Arizona $113
Arkansas $105
California $124
Colorado $118
Connecticut $127
Delaware $128
Florida $188
Georgia $134
Hawaii $91
Idaho $64
Illinois $97
Indiana $58
Iowa $67
Kansas $79
Kentucky $119
Louisiana $231
Maine $49
Maryland $178
Massachusetts $90
Michigan $359
Minnesota $96
Mississippi $91
Missouri $112
Montana $97
Nebraska $73
Nevada $157
New Hampshire $63
New Jersey $142
New Mexico $93
New York $287
North Carolina $68
North Dakota $60
Ohio $64
Oklahoma $101
Oregon $99
Pennsylvania $150
Rhode Island $148
South Carolina $92
South Dakota $69
Tennessee $85
Texas $113
Utah $94
Vermont $66
Virginia $64
Washington $103
West Virginia $84
Wisconsin $76
Wyoming $69

Compare RV Insurance Rates

RV insurance provides coverage for recreational vehicles, including motorhomes, campervans, and travel trailers. This type of insurance is essential for protecting your investment and ensuring financial security while on the road.

RV insurance typically includes liability coverage, collision and comprehensive coverage, and may offer additional options like roadside assistance, personal belongings coverage, and full-time RV insurance for those who live in their RV year-round. Coverage requirements and costs can vary based on factors such as the type of RV, its usage, and the driver’s profile. Below is a table showing the average cost of RV insurance in each US state:

Company Average Annual Premium
Progressive $958
Good Sam Insurance Agency $1,336
Geico $1,157
Nationwide $1,932
Farmers $1,459
Safeco $1,950
Roamly $750

Compare Non-Owner Car Insurance Rates By U.S. State

Non-owner car insurance is a type of liability coverage designed for individuals who drive but do not own a vehicle. This insurance provides protection in case of an accident while driving a rented, borrowed, or shared car. Non-owner car insurance typically covers bodily injury and property damage liability, helping to pay for injuries or damages you cause to others.

It does not cover damages to the vehicle you are driving or your own medical expenses. This type of insurance is ideal for people who frequently rent cars, use car-sharing services, or borrow vehicles from friends or family. Below is a table showing the average cost of non-owner car insurance in each US state:

U.S. State Average Rate
Non-Owner Insurance Alabama $259
Non-Owner Insurance Alaska $376
Non-Owner Insurance Arizona $391
Non-Owner Insurance Arkansas $264
Non-Owner Insurance California $301
Non-Owner Insurance Colorado $280
Non-Owner Insurance Connecticut $392
Non-Owner Insurance Delaware $341
Non-Owner Insurance Florida $543
Non-Owner Insurance Georgia $309
Non-Owner Insurance Hawaii $399
Non-Owner Insurance Idaho $186
Non-Owner Insurance Illinois $277
Non-Owner Insurance Indiana $262
Non-Owner Insurance Iowa $149
Non-Owner Insurance Kansas $278
Non-Owner Insurance Kentucky $371
Non-Owner Insurance Louisiana $327
Non-Owner Insurance Maine $242
Non-Owner Insurance Maryland $435
Non-Owner Insurance Massachusetts $441
Non-Owner Insurance Michigan $$99
Non-Owner Insurance Minnesota $301
Non-Owner Insurance Mississippi $318
Non-Owner Insurance Missouri $353
Non-Owner Insurance Montana $477
Non-Owner Insurance Nebraska $189
Non-Owner Insurance Nevada $441
Non-Owner Insurance New Hampshire $305
Non-Owner Insurance New Jersey $452
Non-Owner Insurance New Mexico $291
Non-Owner Insurance New York $418
Non-Owner Insurance North Carolina $481
Non-Owner Insurance North Dakota $206
Non-Owner Insurance Ohio $211
Non-Owner Insurance Oklahoma $235
Non-Owner Insurance Oregon $433
Non-Owner Insurance Pennsylvania $258
Non-Owner Insurance Rhode Island $513
Non-Owner Insurance South Carolina $367
Non-Owner Insurance South Dakota $166
Non-Owner Insurance Tennessee $357
Non-Owner Insurance Texas $442
Non-Owner Insurance Utah $441
Non-Owner Insurance Vermont $299
Non-Owner Insurance Virginia $283
Non-Owner Insurance Washington $354
Non-Owner Insurance West Virginia $361
Non-Owner Insurance Wisconsin $221
Non-Owner Insurance Wyoming $214

 

Get Cheaper Car Insurance Quotes

One survey shows that 47% of consumers who have shopped for car insurance have spent less than an hour doing it. To make the most of your time, here are a few ways you can get cheaper quotes while shopping around.

  • Improve Your Credit – Raising your credit score one tier can save you up to 17% on average.
  • Inquire About Discounts – Drivers can save money on car insurance by asking about what discounts they may be eligible for.
  • Be a Good Driver – Drivers who stay claim and violation-free can save significantly on their auto insurance.
  • Review Coverages – Review your current coverage with a licensed insurance professional. You may be able to remove comprehensive and collision coverage, for example.
  • Increase Deductibles – If you can afford to, you may also want to increase your comprehensive and collision deductibles to save some money every month.

 

Information Needed to Get Car Insurance Quotes

Before you start shopping for car insurance, you should be prepared. Most companies will ask for similar information, so be sure to have the following ready:

  • Drivers’ names, dates of birth, and driver’s license numbers
  • Approximate age all drivers were first licensed
  • Prior accidents or violations and the dates they occurred
  • Vehicle identification numbers for all cars being quoted
  • Liability limits and deductible amounts on your current policy
  • The garaging address of each car

While some insurers won’t need all this information, it’s better to have it on hand just in case.

 

Find The Best Car Insurance In Your State

State
District of Columbia
State
Philadelphia

How To Buy Car Insurance

When you're looking to purchase car insurance, it's important to follow a simple research plan to make sure you're getting the best deal for yourself.

Constantly Review Your Car Insurance Rate

If you’re looking to get the best deal on your car insurance, then you should regularly check the rates of different providers. You car insurance policy will renew every six months to a year. You might want to consider shopping around for different quotes during this time, to make sure you’re still getting the best deal.

On top of your policy renewal checks, you should also review your rate any time something changes with your car. For example, moving to a different city / state, adding a new named driver to the policy or buying a new vehicle. These circumstances can all impact your quote.

 

1

Determine The Level Of Coverage You Need

Every US state demands a minimum level of car insurance coverage. However, there are additional coverage levels for you to choose from, which all insure you for different events.

These policies include:

  • Gap Insurance
  • Collision Car Insurance
  • Personal Injury Protection
  • Roadside Assistance
  • Comprehensive Car Insurance

 

2

Compare Quotes From Multiple Insurance Providers

You’ll find different quotes provided to you by different car insurers. You should shop around and see which car insurance provider has the best quote for you.

When comparing quotes, you should look for more than simply price. You’ll want to purchase a policy from a company with high financial strength. If your insurer isn’t strong financially, then you increase your risk of not having claims paid out to you.

 

3

Decide On A Policy And Purchase Your Car Insurance

Once you’ve chosen a policy from an insurance provider, all that is left to do is to purchase a policy. You will either need to make your purchase online, or through an agent.

 

4

Types of Car Insurance

As you are contacting various carriers, it’s imperative to know the type of car insurance you are quoting. The different types of insurance are as follows.

Liability

The minimum amount of car insurance that is generally required is liability. Liability consists of two coverages:

  • Bodily Injury to Others
  • Property Damage

Bodily injury coverage pays for damage you cause to other people, while property damage pays for damage you cause to another car or item. Every state will specify how much coverage is required for each, if at all. The coverage is usually broken out into a per person, per accident limit for bodily injury, and a per accident limit for property damage.

Comprehensive

Comprehensive coverage protects your car from things such as fire, theft, vandalism, and collision with an animal. It is usually not mandated by the state to carry but if you lease or finance your car, your bank may require you to purchase this coverage along with collision. Both comprehensive and collision coverage require a deductible, which is the amount you have to pay out of pocket before the insurance company will pay for damages.

Collision

Collision is the coverage that pays for damage to your car if you hit another vehicle or object. Purchasing collision and comprehensive coverage together is what is often referred to as “full coverage.” As stated previously, collision coverage is often required by a bank if you lease or finance your car, and comes with a deductible.

Uninsured and Underinsured Motorist

Suppose you are hit by someone who doesn’t have insurance or doesn’t have enough coverage to pay for the damage. In that case, uninsured/underinsured motorist will pay for your bodily injury or property damage. This coverage can be added to your policy to ensure you are protected in these scenarios.

Similar to bodily injury and property damage liability coverage, the limits are usually specified as per-person and per accident for uninsured motorist bodily injury and a per-accident limit for uninsured motorist property damage.

Personal Injury Protection/Medical Payments

Personal injury protection, or PIP, and medical payments cover medical expenses for you and anyone in your car after a car accident. Some states offer PIP, while others offer medical payments only. The difference between the two is that PIP is broader and also provides coverage for lost wages, funeral expenses, and child care.

 

FAQs

Who is the cheapest car insurance company?

The cheapest car insurance company will vary depending on your state and specific driver and vehicle details. The best way to find an insurance company you can afford is by comparison shopping.

 

Which car insurance is best?

The best car insurer depends on what is important to you as a consumer. Comparing each company’s pricing, coverage options, financial stability, and customer reviews can help steer you in the right direction toward the best insurer for you.

 

What is the best car insurance coverage to have?

If you’re looking for the most comprehensive car insurance coverage, you should buy comprehensive and collision coverage, in addition to the highest liability limits you can afford. But each person’s situation is unique, so it’s best to speak with a licensed insurance professional to get the best coverage for you.

 

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