Car Insurance Comparison: Compare Car Insurance Quotes (2023 Rates)
Car Insurance Comparison: Compare Car Insurance Quotes (2023 Rates)
Navigating the labyrinthine world of car insurance can be daunting, but worry not, dear reader. Today, we’re going to guide you through the maze, comparing top car insurance companies and explaining how to get quotes from each.
When you’re shopping around for car insurance quotes, you may get lots of opinions on what company to use and what coverage to get.
Comparing quotes from several different insurers is one of the best ways to save money. And it’s not a process that takes hours. With a minimal time investment, you can find the best car insurance rates and a policy that’s right for you.
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
- By state
- By Vehicle
- By age and gender
- By credit score
- For drivers with a DUI
- For drivers with an at-fault accident
- For drivers with a speeding ticket
- For seniors
- For adding a teen driver
Understanding Car Insurance
Before we dive in, let’s make sure we’re all on the same page about what car insurance is and why it’s essential.
Why Car Insurance is Important
Ever wondered why we need car insurance? It’s all about protection. Car insurance provides financial cover for unforeseen – accidents, theft, fire, and even your liability to third parties. In essence, it’s about peace of mind.
Types of Car Insurance
There are different types of car insurance, each offering a different level of cover. Third-party only, third-party, fire and theft, and comprehensive are the most common. Make sure you understand the nuances of each before making your choice.
Importance of Comparing Car Insurance Quotes
So, why should you compare car insurance quotes? Let’s dive into the benefits and the possible pitfalls of not comparing.
Benefits of Comparison
Comparing car insurance quotes allows you to find the best deal for your specific needs. It helps you avoid overpaying and ensures you get the best coverage for your buck. Sounds good, doesn’t it?
Pitfalls of Not Comparing
On the flip side, if you don’t compare, you could end up paying more for less coverage. Worse still, you might miss out on important benefits that another insurer could provide.
Compare Car Insurance Rates by Company
Not all car insurance price their policies the same. That’s why it’s so important to compare car insurance quotes from multiple companies. Here’s a look at large insurance companies and the average national rates for drivers with a clean driving record (meaning no traffic violations or at-fault accidents).
| Company Name | Average national car insurance quotes for good drivers |
|---|---|
| USAA | $1,412 |
| Auto-Owners | $1,628 |
| Geico | $1,716 |
| Westfield | $1,759 |
| Travelers | $1,852 |
| State Farm | $1,959 |
| Nationwide | $2,041 |
| Erie | $2,144 |
| Progressive | $2,157 |
| American Family | $2,176 |
| Farmers | $2,381 |
| Safe Auto | $2,647 |
| Allstate | $3,000 |
| Mercury | $3,233 |
Compare Car Insurance Rates by State
Compare Car Insurance Rates by State
| State | Average annual cost of car insurance for good drivers |
|---|---|
| Alabama | $1,809 |
| Alaska | $2,323 |
| Arizona | $1,696 |
| Arkansas | $2,061 |
| California | $2,462 |
| Colorado | $2,489 |
| Connecticut | $1,730 |
| Delaware | $2,462 |
| District of Columbia | $1,574 |
| Florida | $4,326 |
| Georgia | $2,181 |
| Hawaii | $1,633 |
| Idaho | $1,021 |
| Illinois | $2,345 |
| Indiana | $1,454 |
| Iowa | $1,238 |
| Kansas | $1,693 |
| Kentucky | $1,979 |
| Louisiana | $3,629 |
| Maine | $1,216 |
| Maryland | $3,349 |
| Massachusetts | $2,333 |
| Michigan | $2,995 |
| Minnesota | $2,360 |
| Mississippi | $1,704 |
| Missouri | $2,323 |
| Montana | $1,770 |
| Nebraska | $1,538 |
| Nevada | $3,342 |
| New Hampshire | $1,411 |
| New Jersey | $2,240 |
| New Mexico | $2,104 |
| New York | $4,769 |
| North Carolina | $1,307 |
| North Dakota | $1,319 |
| Ohio | $1,112 |
| Oklahoma | $2,291 |
| Oregon | $1,459 |
| Pennsylvania | $3,600 |
| Rhode Island | $2,715 |
| South Carolina | $2,387 |
| South Dakota | $1,821 |
| Tennessee | $1,720 |
| Texas | $2,938 |
| Utah | $1,955 |
| Vermont | $1,037 |
| Virginia | $1,486 |
| Washington | $1,829 |
| West Virginia | $1,688 |
| Wisconsin | $1,905 |
| Wyoming | $1,341 |
Compare Car Insurance Rates by Vehicle
The vehicle has a major impact on how much you spend on car insurance, especially if you’re buying collision and comprehensive insurance. Here are average car insurance costs for popular vehicles.
Least expensive cars to insure
| Vehicle | Average car insurance quote |
|---|---|
| Honda CR-V LX | $1,574 |
| Jeep Wrangler JL Sport | $1,585 |
| Subaru Crosstrek | $1,606 |
| Subaru Forester 2.5I | $1,613 |
| Hyundai Tucson 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 |
| Chevrolet Trax LS | $1,680 |
| Toyota Tacoma SR | $1,688 |
| Toyota RAV4 LE | $1,704 |
| Kia Sportage EX | $1,705 |
| Dodge Grand Caravan SE | $1,713 |
| Ford Edge SE | $1,722 |
| Mazda CX-5 Grand Touring | $1,729 |
| Chevrolet Traverse LS | $1,733 |
| Chevrolet Colorado | $1,733 |
| Ford Ranger Lariat | $1,748 |
| Toyota Highlander LE | $1,757 |
| Nissan Rogue S | $1,758 |
| Honda Pilot SE | $1,762 |
| GMC Canyon All Terrain | $1,777 |
| Subaru Outback 2.4I Limited XT | $1,789 |
Medium-expensive cars to insure
| Vehicle | Average car insurance quote |
|---|---|
| Jeep Cherokee Limited | $1,809 |
| Chevrolet Blazer 2LT | $1,811 |
| Chevrolet Silverado 1500 WT | $1,813 |
| Toyota Tundra SR | $1,818 |
| Volkswagen Jetta SE | $1,833 |
| Honda Civic EX | $1,838 |
| Toyota 4Runner Limited | $1,848 |
| GMC Sierra 1500 | $1,851 |
| Ford Fusion SE | $1,865 |
| Chevrolet Malibu L | $1,882 |
| Chevrolet Tahoe LS | $1,883 |
| Chrysler Pacifica Limited | $1,891 |
| Toyota Camry LE | $1,899 |
| Hyundai Elantra SE | $1,904 |
| Toyota Corolla LE | $1,909 |
| Jeep Grand Cherokee Limited | $1,913 |
| Ford Explorer ST | $1,944 |
| Nissan Sentra S | $1,957 |
| Kia Forte EX | $1,964 |
| Kia Optima LX | $1,987 |
| Honda Accord EX-L | $1,988 |
Most expensive cars to insure
| Vehicle | Average car insurance quote |
|---|---|
| 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 |
Compare Auto Insurance Rates by Age and Gender 2023
Your age and gender affects car insurance rates. Young, inexperienced drivers pay the most and can expect their rates to start going down at age 25. Drivers with good driving records will enjoy their best rates in their 50s and 60s. Rates start to increase again around age 65.
| Age | Average national rates for a female driver | Average national rates for a male driver |
|---|---|---|
| 18 | $6,100 | $7,151 |
| 20 | $4,444 | $5,234 |
| 25 | $2,574 | $2,733 |
| 30 | $2,334 | $2,369 |
| 40 | $2,245 | $2,222 |
| 50 | $2,076 | $2,080 |
| 60 | $2,004 | $2,025 |
| 70 | $2,208 | $2,289 |
| 80 | $2,632 | $2,864 |
Car Insurance Quotes for Drivers with Poor Credit
The table below shows the average national rate increase for drivers with poor credit compared to good drivers.
Car Insurance Quotes for Drivers with Poor Credit
- GeicoCompany
- $1,716Average annual cost for drivers with good credit
- 41%Average increase for drivers with poor credit
| Company | Average annual cost for drivers with good credit | Average annual cost for drivers with bad credit | Average increase for drivers with poor credit |
|---|---|---|---|
| Geico | $1,716 | $2,426 | 41% |
| USAA | $1,412 | $2,594 | 84% |
| Nationwide | $2,041 | $2,771 | 36% |
| Westfield | $1,759 | $2,964 | 69% |
| Safe Auto | $2,647 | $3,345 | 26% |
| American Family | $2,176 | $3,360 | 54% |
| Travelers | $1,852 | $3,381 | 83% |
| Farmers | $2,381 | $3,921 | 65% |
| Allstate | $3,000 | $4,028 | 34% |
| Progressive | $2,157 | $4,215 | 95% |
| Auto-Owners | $1,628 | $4,217 | 159% |
| Erie | $2,144 | $4,903 | 128% |
| State Farm | $1,959 | $5,051 | 157% |
Compare Car Insurance for Drivers with a DUI
A DUI is a costly mistake. Our analysis found that the national average car insurance rate increase for drivers with a DUI is 70%. Here’s a look at rate increases after a DUI among large insurance companies.
Compare Car Insurance for Drivers with a DUI
- State FarmCompany
- $1,942Average annual rates with one DUI
- 38%Average rate increase after a DUI
| Company | Average annual car insurance quotes for a good driver | Average annual car insurance quote after one DUI | Average cost increase after a DUI |
|---|---|---|---|
| USAA | $1,412 | $2,751 | 95% |
| Progressive | $2,157 | $2,776 | 29% |
| American Family | $2,176 | $2,983 | 37% |
| State Farm | $1,959 | $3,235 | 65% |
| Auto-Owners | $1,628 | $3,363 | 107% |
| Erie | $2,144 | $3,390 | 58% |
| Geico | $1,716 | $3,451 | 101% |
| Farmers | $2,381 | $3,517 | 48% |
| Travelers | $1,852 | $3,675 | 98% |
| Nationwide | $2,041 | $3,677 | 80% |
| Allstate | $3,000 | $3,856 | 29% |
| Safe Auto | $2,647 | $3,874 | 46% |
| Westfield | $1,759 | $4,357 | 148% |
Compare Car Insurance Rates for Drivers with an At-Fault Accident
If you cause a car crash, you can expect your car insurance rates to go up after an accident. Here’s a look at rate increases for drivers who caused an accident that caused an injury to someone else.
Compare Car Insurance Rates for Drivers with an At-Fault Accident
- USAACompany
- $2,093Average car insurance quote with one at-fault accident causing injury
- 48%Average cost increase after one at-fault accident causing injury
| Company | Average car insurance quote per year | Average car insurance quote with one at-fault accident causing injury | Average cost increase after one at-fault accident causing injury |
|---|---|---|---|
| USAA | $1,412 | $2,093 | 48% |
| Auto-Owners | $1,628 | $2,145 | 32% |
| Westfield | $1,759 | $2,458 | 40% |
| Geico | $1,716 | $2,487 | 45% |
| State Farm | $1,959 | $2,554 | 30% |
| Travelers | $1,852 | $2,630 | 42% |
| American Family | $2,176 | $2,818 | 30% |
| Erie | $2,144 | $2,822 | 32% |
| Nationwide | $2,041 | $3,050 | 49% |
| Progressive | $2,157 | $3,413 | 59% |
| Farmers | $2,381 | $3,446 | 45% |
| Allstate | $3,000 | $3,870 | 29% |
| Safe Auto | $2,647 | $3,874 | 46% |
| Mercury | $3,233 | $5,373.00 | 66% |
Compare Car Insurance Rates for Drivers with a Speeding Ticket
Drivers with a heavy foot can expect car insurance rates to go up after a speeding ticket. Here’s a look at car insurance quote increases for drivers with one speeding ticket.
Compare Car Insurance Rates for Drivers with a Speeding Ticket
- USAACompany
- $1,709Average car insurance quote after one speeding ticket
- 21%Average cost increase after one speeding ticket
| Company | Average car insurance quote per year | Average car insurance quote after one speeding ticket | Average cost increase after one speeding ticket |
|---|---|---|---|
| USAA | $1,412 | $1,709 | 21% |
| Westfield | $1,759 | $2,001 | 14% |
| Geico | $1,716 | $2,098 | 22% |
| Auto-Owners | $1,628 | $2,250 | 38% |
| State Farm | $1,959 | $2,311 | 20% |
| Erie | $2,144 | $2,316 | 8% |
| Nationwide | $2,041 | $2,439 | 20% |
| Travelers | $1,852 | $2,481 | 34% |
| American Family | $2,176 | $2,536 | 17% |
| Progressive | $2,157 | $2,793 | 29% |
| Farmers | $2,381 | $3,014 | 27% |
| Allstate | $3,000 | $3,213 | 7% |
| Safe Auto | $2,647 | $3,360 | 27% |
| Mercury | $3,233 | $4,339.00 | 34% |
Compare Car Insurance Rates for Seniors
Geico and USAA have the cheapest car insurance rates for seniors and well below the national annual average for senior drivers of $2,196. The older you get once you hit your senior years, the more you’ll likely pay for car insurance, so it’s vital to get multiple car insurance quotes from other companies to make sure you’re getting the best rates for your coverage.
Compare Car Insurance Rates for Seniors
- USAACompany
- $1,554Average annual senior car insurance rates
- $1,465Average rates for 70-year-old drivers
| Company | Average annual senior car insurance rates | Average rates for 60-year-old drivers | Average rates for 70-year-old drivers | Average rates for 80-year-old drivers |
|---|---|---|---|---|
| USAA | $1,554 | $1,314 | $1,465 | $1,882 |
| Auto-Owners | $1,768 | $1,564 | $1,676 | $2,065 |
| Geico | $1,936 | $1,693 | $1,872 | $2,242 |
| State Farm | $2,007 | $1,850 | $1,922 | $2,248 |
| Nationwide | $2,034 | $1,793 | $1,975 | $2,333 |
| Travelers | $2,107 | $1,764 | $1,999 | $2,556 |
| Progressive | $2,296 | $1,927 | $2,196 | $2,765 |
| American Family | $2,360 | $2,084 | $2,225 | $2,773 |
| Erie | $2,435 | $2,123 | $2,287 | $2,896 |
| Farmers | $2,612 | $2,138 | $2,551 | $3,147 |
| Allstate | $3,048 | $2,819 | $2,922 | $3,404 |
Compare Car Insurance Rates for Adding a Teen Driver
Here’s a look at the national average car insurance rate increases for a married couple that adds a teen driver to a policy with coverage of 100/300/100 and collision and comprehensive insurance.
| Company | Average auto insurance cost increase after adding a teen driver |
|---|---|
| Nationwide | 43% |
| American Family | 58% |
| Erie | 65% |
| State Farm | 73% |
| Geico | 77% |
| Progressive | 78% |
| Auto-Owners | 79% |
| Allstate | 91% |
| USAA | 99% |
| Farmers | 106% |
| Travelers | 115% |
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 traffic violations and at-fault car accidents on their records. Car insurance companies tend to look at the last three to five years of your driving history, depending on your state.
Your vehicle
The type of car you drive impacts your quote. Certain safety features (like air bags and rear backup cameras) and anti-theft features could help reduce your auto insurance quotes.
Your location
Where you live plays a significant role in rates. For instance, drivers in urban areas tend to file more car insurance claims, which usually translates into higher rates.
Your driving experience
Younger and inexperienced drivers (like teens) will pay more than drivers with years of experience under their belts.
Other pricing factors
Car insurance companies also often look at factors, such as gender, age, occupation, marital status, home ownership and credit. State law sometimes dictates that certain factors can’t be used. For example, California, Hawaii, Massachusetts and Michigan ban the use of credit scores in car insurance quotes.
Other drivers on your policy
If you have other drivers in your household, their driving records will impact your rate. For example, if you add a teen driver to your policy, be prepared for a significant bump in car insurance premiums.
How to Compare Car Insurance Quotes
Here are tips for comparing car insurance quotes.
Determine how much coverage you need
Assess whether it makes sense to buy more than your state-mandated minimum liability requirements—in nearly all cases it does as low limits can be exceeded by even minor accidents. Decide if you want comprehensive and collision coverage to cover your own car, and choose a deductible amount.
Research customer service
Review customer satisfaction ratings so you can find an insurance company that will be responsive if you have to file a claim and that can help you identify the best coverage options for your needs. Forbes Advisor’s ratings of the best car insurance companies can help.
Check coverage options and discounts
Make sure the companies you’re considering provide coverage options and price breaks that match your driver profile. For example, if you want pet injury coverage included and the option to have a usage-based plan or accident forgiveness, check to see if these are offered. If you have a teen driver and work from home, a company with good student and low-mileage discounts is worth considering.
Compare rates for identical coverage amounts
Compare car insurance quotes for the exact same coverage amount to be sure you’re getting an equitable comparison. Check out multiple insurers for pricing.
How Do I Get Free Car Insurance Quotes?
Here are two ways to get car insurance quotes, which are always free:
- Online. Many auto insurance companies offer free car insurance quotes online. You can visit several insurance company websites and compare quotes. To save time, use a website that provides quotes from multiple companies.
- By phone or in-person. Speak with or visit a local insurance agent who can help you find affordable car insurance options and get you a car insurance quote.
There are generally two types of insurance agents:
- A “captive” agent works for one insurance company and can give you a quote only from that insurer.
- An “independent” insurance agent can sell policies from multiple insurance companies and can get you quotes from different insurers.
There are benefits to both approaches, and there’s no law against contacting multiple insurance agents. It doesn’t hurt to get online quotes and also speak with an agent who can help you identify your coverage needs and tailor a policy that’s the best fit for you.
What information do I need to get auto insurance quotes?
To make the process go as smoothly as possible, it helps to have the following information on hand:
- Driver’s license. If there are any other drivers in your household, you’ll need their driver’s license information as well.
- Vehicle identification number (VIN). You can typically find your VIN on the vehicle’s driver’s side dashboard or printed on a sticker in the driver’s side door or door jamb. If you haven’t purchased the vehicle yet but know what you’re going to buy, ask the seller for the VIN. If you haven’t picked out your car yet, you can usually get a quote with a vehicle make and model.
- Mileage. If you own the car, have the odometer reading handy.
- How much coverage you want. You’ll want to know what coverage types you want to buy and how much coverage you need. If you’re not sure, it’s a good idea to speak with an insurance agent who can help answer your questions.
The auto insurance company will gather additional information about you, such as your driving history, past auto insurance claims and (in most states) your credit.
Conclusion
Choosing the right car insurance can be complex, but comparing quotes from top companies can make the process simpler and more effective. So, take your time, compare wisely, and you’ll find the cover that suits you best.
FAQs
- Why is car insurance important? Car insurance is essential as it provides financial protection against unforeseen circumstances like accidents, theft, fire, and your liability to third parties.
- How do I get a car insurance quote? You can get a car insurance quote by visiting the insurer’s website, providing some details about you and your vehicle, and requesting a quote.
- What should I consider when comparing car insurance quotes? Consider factors such as the level of coverage, the cost of the premium, the insurer’s reputation, and the excess when comparing quotes.
- Is the cheapest car insurance always the best? Not necessarily. Cheaper insurance might not provide the level of coverage you need. It’s important to find a balance between cost and coverage.
- How often should I compare car insurance quotes? It’s a good idea to compare car insurance quotes at least once a year or whenever your circumstances change significantly.
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