Comparing car insurance rates can save drivers hundreds of dollars per year, since every auto insurance company calculates premiums differently. As a general rule, you should compare car insurance quotes every time you renew your policy to make sure that you’re still getting the best deal.
Compare Car Insurance Rates by Company
Company | Average Minimum Coverage Premium | Average Full Coverage Premium | Get a Quote |
---|---|---|---|
Geico | $445 | $1,330 | Quote |
USAA | $475 | $1,350 | Quote |
State Farm | $587 | $1,493 | Quote |
Travelers | $609 | $1,586 | Quote |
Nationwide | $684 | $1,564 | Quote |
Progressive | $714 | $1,852 | Quote |
American Family | $767 | $1,587 | Quote |
Allstate | $949 | $2,559 | Quote |
Farmers | $1,032 | $2,574 | Quote |
Liberty Mutual | $1,225 | $2,757 | Quote |
Premiums represent average annual prices for a policy that fulfills minimum coverage requirements.
This list is a good starting point when you’re comparing quotes for your own car insurance policy. However, keep in mind that your individual circumstances will determine your exact premium. As a result, the cheapest insurer for most drivers might not be the cheapest company for your needs.
Compare Car Insurance Rates by Age
Company | 16-year-old | 25-year-old | 45-year-old |
---|---|---|---|
State Farm | $2,356 | $691 | $587 |
Geico | $1,682 | $489 | $445 |
Progressive | $4,434 | $802 | $714 |
Allstate | $3,869 | $985 | $949 |
USAA | $2,421 | $610 | $475 |
Liberty Mutual | $4,914 | $1,393 | $1,225 |
Farmers | $5,648 | $1,166 | $1,032 |
Nationwide | $2,828 | $858 | $684 |
American Family | $2,852 | $924 | $767 |
Travelers | $3,659 | $655 | $609 |
Premiums represent average annual prices for a policy that fulfills minimum coverage requirements.
Young drivers are particularly expensive to insure because they are statistically the most likely to be in accidents. However, premiums gradually decrease as drivers gain experience.
Compare Car Insurance Rates by Driving Record
Company | Clean Record | Speeding Ticket | At-Fault Accident |
---|---|---|---|
State Farm | $587 | $696 | $751 |
Geico | $445 | $574 | $719 |
Progressive | $714 | $937 | $1,229 |
Allstate | $949 | $1,197 | $1,400 |
USAA | $475 | $575 | $704 |
Liberty Mutual | $1,225 | $1,362 | $1,527 |
Farmers | $1,032 | $1,309 | $1,531 |
Nationwide | $684 | $814 | $1,000 |
American Family | $767 | $870 | $879 |
Travelers | $609 | $782 | $829 |
Premiums represent average annual prices for a policy that fulfills minimum coverage requirements.
Traffic violations, including minor ones like speeding tickets, indicate to an insurer that you are more likely to get into a crash than the average driver. Additionally, more serious offenses like at-fault accidents generally cause an even bigger rate hike.
Compare Car Insurance Companies by User Rating
Company | User Rating on WalletHub |
---|---|
State Farm | 3.7/5 |
Farmers | 3.7/5 |
Nationwide | 3.7/5 |
Allstate | 3.4/5 |
Geico | 2.7/5 |
Progressive | 2.9/5 |
USAA | 2.9/5 |
Liberty Mutual | 2.7/5 |
American Family | 2.7/5 |
Travelers | 2.4/5 |
Looking at a company’s user rating on WalletHub is a quick and easy way to judge customer satisfaction. For more details about each company’s customer service record, click on the company name to read WalletHub’s full review.
Compare Car Insurance Companies by Number of Discounts
Company | Number of Available Discounts |
---|---|
Farmers | 23 |
American Family | 18 |
Liberty Mutual | 17 |
Geico | 16 |
Travelers | 15 |
USAA | 14 |
State Farm | 13 |
Progressive | 13 |
Allstate | 12 |
Nationwide | 11 |
Car insurance companies offer a variety of discounts designed to reward safe driving, customer loyalty, and more. Common ways to save include good-student discounts, good-driver discounts, and multi-car discounts. Click on the company names above to find out which discounts each company offers.
Compare Car Insurance Rates by State
State | Minimum Coverage Cost | Full Coverage Cost |
---|---|---|
Alabama | $697 | $2,123 |
Alaska | $543 | $1,573 |
Arizona | $661 | $1,787 |
Arkansas | $631 | $2,082 |
California | $844 | $2,518 |
Colorado | $725 | $2,101 |
Connecticut | $1,027 | $2,375 |
Delaware | $1,133 | $2,384 |
Florida | $814 | $3,208 |
Georgia | $1,095 | $2,476 |
Hawaii | $501 | $1,473 |
Idaho | $394 | $1,158 |
Illinois | $662 | $1,738 |
Indiana | $481 | $1,402 |
Iowa | $326 | $1,329 |
Kansas | $558 | $1,965 |
Kentucky | $931 | $2,391 |
Louisiana | $1,263 | $3,317 |
Maine | $456 | $1,244 |
Maryland | $1,069 | $2,401 |
Massachusetts | $565 | $1,959 |
Michigan | $1,908 | $3,833 |
Minnesota | $758 | $1,951 |
Mississippi | $578 | $1,772 |
Missouri | $587 | $1,691 |
Montana | $446 | $1,774 |
Nebraska | $427 | $1,670 |
Nevada | $1,108 | $2,403 |
New Hampshire | $438 | $1,307 |
New Jersey | $1,287 | $3,006 |
New Mexico | $555 | $1,755 |
New York | $1,828 | $4,451 |
North Carolina | $477 | $1,366 |
North Dakota | $370 | $1,707 |
Ohio | $414 | $1,122 |
Oklahoma | $643 | $2,122 |
Oregon | $789 | $1,633 |
Pennsylvania | $501 | $1,848 |
Rhode Island | $887 | $2,142 |
South Carolina | $817 | $2,142 |
South Dakota | $326 | $1,718 |
Tennessee | $498 | $1,525 |
Texas | $780 | $2,312 |
Utah | $750 | $1,738 |
Vermont | $341 | $1,308 |
Virginia | $931 | $2,391 |
Washington | $714 | $1,667 |
West Virginia | $568 | $1,756 |
Wisconsin | $418 | $1,264 |
Wyoming | $274 | $1,476 |
Premiums represent average annual prices for a policy that fulfills minimum coverage requirements.
Tips for Comparing Car Insurance
Compare quotes from at least 3 insurers.
Since every insurance company calculates rates differently, the best way to find cheap rates for your individual circumstances is to get multiple quotes. Don’t forget about regional companies, either, since they might offer the lowest premiums in your area.
Make sure to compare the same coverage levels.
Before you compare car insurance rates, decide how much coverage you’d like to buy. Adding coverage will increase your premium, so it’s important to keep the policy details consistent.
Compare more than rates.
Although a cheaper rate can be very enticing, you could be missing out if you don't take into account the number of discounts a company offers. Beyond dollars and cents, reviews about an insurance company - particularly its customer service and claims process - can also be very revealing.
Find the best companies for your age group.
To help drivers determine which companies to compare quotes from, WalletHub’s editors have ranked the cheapest insurers for specific categories of customers. For instance, you can learn more about the best car insurance companies for young drivers, college students, and seniors.
Have your information ready.
To compare quotes tailored to your specific needs, you’ll need information about your car, including its vehicle identification number (VIN) and current mileage. You should also be ready with your driver’s license number and contact information, plus details regarding your driving habits and insurance history.
Compare Quotes for the Coverage You Plan to Buy.
For example, make sure to compare comprehensive car insurance quotes along with collision insurance quotes if you plan to get full coverage.
Comparisons of Popular Insurance Companies
- Geico vs. Progressive
- State Farm vs. Liberty Mutual
- USAA vs. American Family
- Esurance vs. Progressive
- State Farm vs. Allstate
- Allstate vs. Progressive
- Liberty Mutual vs. USAA
- Farmers vs. Allstate
- Nationwide vs. State Farm
- Geico vs. USAA
Methodology
Quote information comes from Quadrant Information Services. Average annual premiums by company reflect nationwide quotes for a 45-year-old single driver with a clean driving record who is purchasing minimum coverage. This driver has good credit and drives an average of 15,000 miles annually.
Quotes for policyholders with a recent speeding ticket or a recent at-fault accident are also for 45-year-old single drivers with good credit who drive 15,000 miles annually and are purchasing minimum coverage. Average premiums for 16-year-old and 25-year-old drivers reflect minimum coverage requirements, good credit, a clean driving record, and 15,000 annual miles as well.