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?
How old you are and how much experience you have as a driver are significant factors in how much you pay for your insurance.
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.
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.
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.
Single drivers typically pay more for insurance than married ones. This is likely due to married drivers statistically being safer behind the wheel.
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.
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.
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.
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.
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 Annual Rate |
Acura | $1,733 |
Alfa Romeo | $4,644 |
Aston Martin | $4,781 |
Audi | $1,609 |
Bentley | $1,056 |
BMW | $1,374 |
Buick | $5,477 |
Cadillac | $1,215 |
Chevrolet | $2,880 |
Chrysler | $1,259 |
Dodge | $3,730 |
Ferrari | $2,826 |
FIAT | $3,609 |
Ford | $2,709 |
GMC | $4,909 |
Honda | $4,226 |
Hyundai | $1,081 |
Infiniti | $3,794 |
Isuzu | $3,715 |
Jaguar | $1,050 |
Jeep | $2,587 |
KIA | $4,760 |
Lamborghini | $1,422 |
Land Rover | $1,606 |
Lexus | $3,002 |
Lincoln Aviator | $2,129 |
Maserati | $1,275 |
Mazda | $2,242 |
Mercedes-Benz | $1,525 |
Mini Cooper | $5,652 |
Mitsubishi | $3,883 |
Nissan | $2,803 |
Porsche | $1,877 |
RAM | $1,949 |
Rolls-Royce | $1,415 |
Subaru | $2,642 |
Tesla | $2,755 |
Toyota | $1,529 |
Volkswagen | $1,319 |
Volvo | $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
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.
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
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.
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.
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.