From what type of car insurance to buy to what to look for, we've got all the research here to help you make an informed decision.
What you pay for car insurance depends on things like your age and location, and prices can vary drastically between providers. That’s why it’s important to compare car insurance rates from multiple companies each time you shop.
We at the Home Media reviews team will explain how to find multiple car insurance quotes at once, why it’s a good idea to shop around and how insurance rates can change based on personal factors. We’ve also reviewed the best car insurance companies to help drivers with different backgrounds find the best coverage.
Auto Insurance Comparison
Below, you can see how 10 popular providers compare. These monthly and annual rate estimates apply to 35-year-old drivers with good credit and good driving records, and they are for full coverage car insurance (property damage liability coverage, bodily injury liability coverage, plus collision coverage and comprehensive coverage).
| Car Insurance Company | Average Monthly Cost Estimate | Average Annual Cost Estimate |
|---|---|---|
| USAA | $88 | $1,054 |
| Erie Insurance | $103 | $1,238 |
| Nationwide | $107 | $1,281 |
| Geico | $109 | $1,308 |
| Auto-Owners Insurance | $111 | $1,337 |
| State Farm | $123 | $1,481 |
| Progressive | $134 | $1,611 |
| Travelers | $139 | $1,669 |
| Allstate | $174 | $2,088 |
| Farmers | $178 | $2,140 |
Compare Car Insurance Rates
Auto insurance rates vary based on a number of factors. In the sections below, we look at several of these factors along with each provider’s average monthly and annual cost rates.
We compared car insurance companies for a 35-year-old driver with good credit and a good driving history. Below, you can compare car insurance rates for drivers with bad credit, recent at-fault accidents, speeding tickets and DUIs. We also factored in costs for drivers of all different ages.
Car Insurance for Bad Drivers: Rate Comparison
According to our rate estimates, USAA tends to be the cheapest full coverage provider for drivers with poor credit. USAA is followed by Geico, Nationwide and Progressive.
Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
USAA | $151 | $1,807 |
Geico | $173 | $2,077 |
Nationwide | $186 | $2,227 |
Progressive | $210 | $2,514 |
State Farm | $301 | $3,616 |
Allstate | $314 | $3,765 |
Car Insurance for 16-Year-Olds: Rate Comparison
Drivers in their teens pay the highest car insurance costs of any age group. Sixteen-year-old motorists can typically find affordable rates from Erie Insurance, Auto-Owners Insurance and State Farm.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| Erie Insurance | $284 | $3,410 |
| Auto-Owners Insurance | $294 | $3,533 |
| State Farm | $346 | $4,146 |
| Geico | $372 | $4,466 |
| Nationwide | $381 | $4,567 |
| USAA | $399 | $4,784 |
Car Insurance for 18-Year-Olds: Rate Comparison
Eighteen-year-old drivers tend to find cheap car insurance through Erie Insurance, Auto-Owners Insurance and USAA.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| Erie | $241 | $2,888 |
| USAA | $241 | $2,897 |
| Auto-Owners | $244 | $2,923 |
| Geico | $263 | $3,161 |
| State Farm | $278 | $3,340 |
| Nationwide | $344 | $4,132 |
Car Insurance for 21-Year-Olds: Rate Comparison
For 21-year-old drivers, USAA and Geico provide the cheapest rates on average. Auto-Owners Insurance, Erie Insurance and Nationwide also offer affordable car insurance coverage.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| USAA | $134 | $1,609 |
| Geico | $154 | $1,844 |
| Auto-Owners | $173 | $2,074 |
| Erie | $175 | $2,103 |
| Nationwide | $179 | $2,147 |
| State Farm | $194 | $2,322 |
Car Insurance for 25-Year-Olds: Rate Comparison
Twenty-five-year-old drivers tend to find affordable full coverage car insurance through USAA and Geico.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| USAA | $108 | $1,292 |
| Geico | $118 | $1,420 |
| Erie | $127 | $1,523 |
| Nationwide | $130 | $1,556 |
| Auto-Owners | $133 | $1,590 |
| State Farm | $141 | $1,686 |
Car Insurance After Accident: Rate Comparison
If you have a car accident on your record, USAA and State Farm both tend to offer affordable rates. Our estimates show drivers with an accident pay about $1,428 annually for USAA and $1,671 for State Farm.
Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
USAA | $119 | $1,428 |
State Farm | $139 | $1,671 |
Geico | $202 | $2,427 |
Progressive | $206 | $2,471 |
Nationwide | $212 | $2,545 |
Allstate | $317 | $3,798 |
Car Insurance After DUI: Rate Comparison
According to our rate estimates, drivers with a recent DUI are likely to find affordable rates from State Farm, Erie and Progressive.
Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
State Farm | $167 | $1,998 |
Erie Insurance | $170 | $2,034 |
Progressive | $176 | $2,106 |
USAA | $184 | $2,209 |
American Family | $203 | $2,433 |
Travelers | $221 | $2,649 |
Car Insurance After Speeding Ticket
Drivers with a recent speeding ticket may find affordable rates through USAA, State Farm and Geico. Our annual rate estimates show drivers pay $1,220 per year on average for USAA coverage.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| USAA | $102 | $1,220 |
| State Farm | $130 | $1,554 |
| Geico | $152 | $1,828 |
| Progressive | $156 | $1,871 |
| American Family | $157 | $1,881 |
| Nationwide | $165 | $1,974 |
Compare Car Insurance Rates by State
If you want to get an idea of what you may pay without comparing car insurance quotes, it can help to take a look at average rates in your state. Car insurance rates can vary significantly just based on location.
Below are our rate estimates broken down by state and age. These apply to full coverage insurance for 24-year-old and 35-year-old drivers with good credit and good driving records. Note that a few states do not allow companies to set rates based on age: California, Hawaii and Massachusetts.
State | 25-Year-Old Annual Cost Estimate | 35-Year-Old Annual Cost Estimate |
|---|---|---|
$1,775 | $1,538 | |
Alaska | $1,619 | $1,439 |
$1,997 | $1,811 | |
$1,846 | $1,595 | |
$2,568 | $2,168 | |
$2,166 | $1,912 | |
$3,631 | $3,064 | |
$2,518 | $2,256 | |
$2,173 | $1,918 |
Usually, states with higher population densities, more traffic and more miles of highway have higher car insurance rates. Insurance laws also differ by state, and that affects the price. For example, car insurance in Michigan was expensive for many years because the state required drivers to purchase a certain type of insurance with an unlimited coverage limit. The state changed the law in 2020, so average insurance prices should decrease.
California is a populous state, but it isn’t one of the most expensive overall. However, car insurance in California can vary widely depending on the area. Drivers in Los Angeles can pay much more than the average for the state, for example.
Compare Car Insurance Companies
Our top five picks for car insurance are USAA, Geico, State Farm, Progressive and Travelers. All of these providers offer affordable insurance on average, but some are better than others for certain drivers. According to our analysis of rate estimates and discount opportunities, here is where each company shines:
- USAA: Most affordable for military members and their families
- Geico: Most affordable for the average driver
- State Farm: Most affordable for college students
- Progressive: Most affordable for high-risk drivers
- Travelers: Most affordable for drivers with a DUI
You can compare auto insurance rates from each of these companies to see which offers the best price for you.
Compare Car Insurance Discounts
Another important thing that can impact your rates is what discounts a company offers. Most companies offer about 10 to 15 of them. Here are a few common money-saving opportunities you’ll find when you compare car insurance from a variety of providers:
- Multi-policy discount
- Multi-vehicle discount
- Homeowner discount
- Good driver discount
- Good student discount
- Driver’s education discount
- Distant student discount
- Auto-pay discount
- Paperless billing discount
- Military discount
- Vehicle safety discount
- New car discount
- Teen driver discount
- Low annual mileage discount
- Accident-free discount
- Defensive driving course discount
Car Insurance Discounts: How To Compare
While discounts overlap between providers, the value of the discounts varies. For example, State Farm offers a student discount of up to 25%, which is the largest student discount of any leading provider. Geico offers a great multi-vehicle discount of 25%, and USAA offers a discount of up to 60% for military personnel who store their vehicles during deployment.
When you compare car insurance rates, be sure to double-check that you’ve provided complete information to take advantage of any discounts available. Be aware that you could also lose some discounts later on if the information you provided was inaccurate. For example, a usage-based program may reveal you drive more miles than you estimated, and you could lose a low annual mileage discount.
Also, if you plan on adding a teen driver to your policy in the near future, you’ll want to focus on auto insurance companies with good discounts for teens and students. Top providers usually list their discounts online, which is helpful when you’re shopping around.
How To Compare Car Insurance
The only way to make sure you get the best rate is to compare car insurance quotes from a few companies. We recommend comparing at least three quotes any time you shop. As you’ll see in a moment, car insurance premiums depend on a wide variety of factors that are unique to each driver. Based on your driver profile, what you pay for your auto insurance policy is different from what your friends, family and neighbors pay for theirs.
Car insurance prices can also vary drastically between providers. By comparing multiple quotes, you’ll be able to see which insurer offers you the cheapest auto insurance. If you just get one quote, there’s no way to know if it’s a good deal.
Each company has a process for evaluating driver profiles and assigning rates. A speeding ticket may raise your annual premium cost by $500 with one provider and $1,000 with another, for example. On the other hand, one company may give you a good discount for owning a home, while another might not.
So, how do you compare car insurance plans? There are a few ways to do so: You can go through an insurance agent or deal with each company directly through a phone call or online quote request. You can also use a quote comparison tool, which is an efficient option if you don’t need help picking your policy. Here are some more details:
- Independent agent: You can give your information to an agent who will shop around and get quotes for you. Overall, this can be more expensive than contacting a company directly, but you will get personalized service. Our January 2022 car insurance survey showed this was the least popular method to get car insurance quotes.
- By phone: You can call individual auto insurance providers and receive quotes over the phone. Over 20% of the 1,000 respondents surveyed stated they got car insurance quotes by calling companies directly.
- Online form submission: Most providers offer instant quotes through forms on their websites. This was the second most popular method reported in our survey, with 24% of respondents stating they got online quotes from individual companies.
- Online quote comparison tool: You can use a single free tool to compare rates from different providers side-by-side at the same time. Our survey found that 30% of the 1,000 respondents in our survey used a quote tool to compare car insurance quotes.
How Often Should You Shop for Car Insurance?
You can shop for car insurance quotes at any time. We recommend getting multiple quotes each time your auto policy is up for renewal or if you experience a significant life event, such as moving to a new location or getting married.
Our January 2022 car insurance survey that polled 1,000 respondents found that 28% of drivers wait longer than a year before shopping for a new car insurance policy. Over 26% stated they got quotes every six months, while 25% reported they only looked for car insurance once a year.
Comparing Car Insurance Quotes: What You Need
Whichever way you decide to compare auto insurance quotes, you should have the following personal and vehicle information ready:
- Year, make, model and vehicle identification number (VIN) for each car on the policy
- Vehicle mileage
- Address where vehicle is garaged
- Vehicle ownership information
- Names and birthdates for everyone on the policy
- Driver’s license numbers and states of issue
- Current insurance company and policy expiration
- Current coverage limits
- Driving history including tickets and accidents
Using a car insurance comparison tool is usually the quickest way to get prices from multiple companies. Instead of giving your information to each provider separately, you enter your information once and the tool retrieves quotes from many companies instantly.
What Affects Car Insurance Rates?
One of the factors that affects your car insurance price is the amount of coverage you want. The state minimum required coverage can be much cheaper than full coverage insurance. The deductible you select also affects what you pay for your car insurance policy. You’ll have a lower bill with a higher deductible, and vice versa.
Here are some of the other main factors that affect car insurance quotes:
- Driving history: Drivers who have violations and at-fault accidents on their driving records pay more. On the other hand, those with clean driving records can qualify for safe driving discounts from many companies.
- Location: Cities and densely populated areas have higher rates of accidents and theft, so people living in these locations generally pay more for car insurance. Rates can also vary significantly by zip code.
- Age: Teens and drivers under the age of 25 typically pay more for car insurance.
- Credit score: Most states allow insurers to use your credit history as a determining factor when setting car insurance premiums. A poor credit record will typically increase rates.
- Vehicle: Sports cars, luxury vehicles and cars with high rates of theft are more expensive to insure.
- Homeownership: Renters may pay more for car insurance than homeowners.
- Marital status: Married drivers usually pay less for insurance.
- Gender: Your gender can affect how much you pay for auto insurance coverage.
Compare Auto Insurance: Conclusion
After comparing quotes from 50 different car insurance companies, we found that USAA, State Farm, Geico and Progressive are the cheapest providers. Read more about some of our car insurance recommendations below.
Compare Car Insurance Providers: Recommendations
So, which car insurance is the cheapest? The answer depends. But our review team thinks Geico is generally the best option overall for pricing and coverage. If you are in a military family, USAA is a great option with high industry ratings.
USAA: 9.5 out of 10.0
USAA offers many discounts and a variety of resources for transitioning in and out of military life. Its car insurance coverage is only available to military members, veterans and their immediate family members.
USAA has a great reputation among customers and industry experts, earning an A+ rating from the Better Business Bureau (BBB) and an A++ financial rating from AM Best. This company scored the second highest for large insurers in the J.D. Power U.S. Insurance Shopping StudySM, where it earned insurer scores high across multiple industry surveys, including the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, where it earned 875 out of 1,000 points. That means the vast majority of USAA customers are happy with the company’s claims service.
Read more: USAA insurance reviews
Geico: 9.2 out of 10.0
Considering its strong reputation, affordable prices and wide range of coverage options, we awarded Geico our Editor’s Choice designation in 2022. Geico offers all the standard types of car insurance, plus extras like roadside assistance and mechanical breakdown coverage.
Geico has several discounts that different drivers can qualify for, including a military discount and a federal employee discount. The company’s low prices may be one reason why it has a great industry reputation. Geico currently holds an A+ rating from the BBB, along with an A++ financial strength rating from AM Best.
Read more: Geico insurance review
To compare the two providers, read our comprehensive USAA vs. Geico review.
Auto Insurance Comparison: FAQ
Below are some frequently asked questions about comparing car insurance rates:
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation (15% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
*Data accurate at time of publication.
