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Compare Car Insurance

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To Ensure You’re Getting The Right Coverage and Best Price, Shop for Car Insurance With a Quote Tool to Compare Rates From Multiple Companies Side by Side
In this article, we at the Home Media reviews team will explain how car insurance rates can change based on personal factors, why it’s a good idea to compare multiple car insurance quotes at once, and how to shop for car insurance and find the most affordable coverage options from the best car insurance companies.

Compare Car Insurance

Compare Car Insurance Quotes

The auto insurance rate you will pay depends on a number of factors unique to each individual. To help you shop for the best coverage for your specific situation, we’ve compared rates for common coverage types. 

We also provide rate comparisons for policies covering  drivers who fall into categories that can significantly impact rates. The monthly and annual price estimates are from the top providers and apply to 35-year-old drivers with good credit and good driving records.

Compare Car Insurance Coverage

Auto insurance quotes often break down pricing for different coverage levels so you can compare rates for minimal liability and full coverage policies. The average cost of car insurance in the U.S. is $635 per year ($53 per month) for minimum liability coverage and $1,730 per year ($144 per month) for full coverage policies.

Below, we compare rate estimates from top providers for both coverage levels. The monthly and annual price estimates are from the top providers and apply to 35-year-old drivers with good credit and good driving records.

Liability Car Insurance Quotes

The table below contains rate estimates from providers of the top 10 liability car insurance quotes on average:

Car Insurance ProviderAverage Monthly Rate EstimateAverage Annual Rate Estimate
USAA$28$333
Auto-Owners Insurance$29$349
Erie Insurance$38$459
Geico$39$468
State Farm$45$543

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*A minimal liability policy provides the least amount of coverage you must pay for damages you cause. It includes property liability coverage and bodily liability coverage.

Full Coverage Car Insurance Quotes

Below, you can see how estimates for 10 popular providers compare for full coverage car insurance quotes:

Car Insurance CompanyAverage Monthly Cost EstimateAverage Annual Cost Estimate
USAA$88$1,054
Erie$103$1,238
Nationwide$107$1,281
Geico$109$1,308
Auto-Owners$111$1,337

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*Full coverage auto insurance includes property damage liability coverage, bodily injury liability coverage plus collision coverage and comprehensive coverage.

Car Insurance Quotes for Young Drivers

Drivers in their teens pay the highest car insurance costs of any age group. If you are shopping for coverage and 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. Below are auto insurance rate comparisons for multiple ages in the young driver category.

Car Insurance Quotes for 16-Year-Olds

Below are the estimated car insurance costs 16-year-old drivers can expect to pay. Sixteen-year-old motorists can typically find affordable quotes from Erie Insurance, Auto-Owners Insurance and State Farm:

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
Erie$284$3,410
Auto-Owners$294$3,533
State Farm$346$4,146
Geico$372$4,466
Nationwide$381$4,567
USAA$399$4,784

Car Insurance Quotes for 18-Year-Olds

Here, we compare cost estimates for car insurance policies for 18-year-olds. Eighteen-year-old drivers shopping for cheap car insurance tend to find the best quotes through Erie Insurance, Auto-Owners Insurance and USAA:

Car Insurance CompanyMonthly Cost EstimateAnnual 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 Quotes for 21-Year-Olds

The comparison chart below contains estimates for 21-year-old drivers. USAA and Geico provide the best rates on average for 21-year-olds:

Car Insurance CompanyMonthly Cost EstimateAnnual 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 Quotes for 25-Year-Olds

Below are auto insurance rate estimates for 25-year-old drivers, who tend to find affordable full coverage car insurance through USAA and Geico:

Car Insurance CompanyMonthly Cost EstimateAnnual 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

High-risk Car Insurance Quotes

Since driving profiles are used as a factor for calculating premiums, drivers in high-risk categories can pay significantly higher rates. Below, we provide rate comparisons that break down the average prices that drivers in each of these high-risk categories pay for auto insurance.

Speeding Ticket Car Insurance Quotes

The table below compares estimated rates for drivers with a speeding ticket. If you still have a speeding violation on your record and are shopping for quotes, you can expect to find the most affordable rates from USAA, Erie and State Farm:

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
USAA$102$1,220
Erie$103$1,230
State Farm$130$1,554
Auto-Owners$132$1,584
Geico$152$1,828
Progressive$156$1,871
American Family$157$1,881
Nationwide$165$1,974

Car Insurance Quotes After an Accident

Below, we compare estimated rates for drivers who have recently been in a car accident. If you have a car accident on your record and are shopping for coverage, the most affordable quotes tend to come from USAA, Erie and Auto-Owners:

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
USAA$119$1,428
Erie$124$1,487
Auto-Owners$136$1,636
State Farm$139$1,671
American Family$173$2,073
Geico$202$2,427
Progressive$206$2,471
Nationwide$212$2,545
Allstate$317$3,798

Car Insurance Quotes After a DUI

The table below includes average prices for drivers with a DUI. According to our rate estimates, drivers with a recent DUI are likely to find affordable quotes from State Farm, Erie and Progressive:

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
State Farm$167$1,998
Erie$170$2,034
Progressive$176$2,106
USAA$184$2,209
American Family$203$2,433
Auto-Owners$217$2,600
Geico$286$3,432
Allstate$367$4,398

Car Insurance Quotes for Bad Credit

The table below compares average rate estimates for policies covering drivers with bad credit. If you have a low credit score, USAA tends to offer the lowest quotes, followed by Geico, Nationwide and Progressive:

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
USAA$151$1,807
Geico$173$2,077
Nationwide$186$2,227
Progressive$210$2,514
Erie$217$2,602
Auto-Owners$236$2,837
State Farm$301$3,616
Allstate$314$3,765

*Auto insurance companies can use your credit report to set your rates in every state except California, Hawaii and Massachusetts.

Compare Car Insurance Rates

​​If you want to get an idea of what you may pay without comparing car insurance quotes from various providers, it can help to take a look at average rates for key demographic factors that are used to determine how much you pay for coverage. 

Since your age and the state you live in are significant factors that are used to calculate car insurance premiums, we compare average rates by these categories below:

Car Insurance Rates by Age and State

Below are our rate estimates broken down by state and age. These estimates are based on full-coverage rates for 25-year-old and 35-year-old drivers with good credit and good driving records:

State25-Year-Old Annual Cost Estimate35-Year-Old Annual Cost Estimate
Alabama$1,775$1,538
Alaska$1,619$1,439
Arizona$1,997$1,811
Arkansas$1,846$1,595
California$2,568$2,168

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*California, Hawaii and Massachusetts do not allow companies to set rates based on age.

Car Insurance Rates by Age: Comparison

Below, we compare average full coverage car insurance rates by age. As we’ve already seen when comparing provider estimates, being a young driver will increase your rates significantly. The good news for young adults who are closer to 25 years old is that rates start to decrease once you enter your mid-20s.

On average, drivers around the age of 55 pay the lowest rates for auto insurance:

AgeAverage Monthly Rate EstimateAverage Annual Rate Estimate
16$576$6,912
17$468$5,612
18$413$4,958
19$309$3,708
21$232$2,786
25$168$2,019
30$153$1,831
35$149$1,785
40$146$1,755
45$144$1,730
50$138$1,658
55$134$1,609
65$137$1,648
75$159$1,912

Compare Car Insurance Rates by State

Since car insurance rates can vary significantly just based on location, it’s important to take a look at the average rates that drivers in your state pay. Car insurance laws differ by state, so the state you live in does play a key role in how your premium is calculated.

Additionally, states with higher population densities, more traffic and more miles of highway usually have higher car insurance rates. Some of these factors can be seen in the map below:

U.S. map showing the average annual cost of car insurance in each state

Below we compare rates for the most and least expensive states in terms of car insurance:

Most Expensive States for Car Insurance

As you can see when looking at the five most expensive states for car insurance, Michigan residents pay the highest rates for car insurance on average:

Most Expensive States for Car InsuranceAverage Monthly Cost of Car InsuranceAverage Annual Cost of Car Insurance
Michigan$344$4,133
Florida$255$3,060
Louisiana$250$2,994
New York$243$2,910
Delaware$194$2,330

Least Expensive States for Car Insurance

This table shows the five cheapest states for full car insurance coverage, with Maine residents paying the lowest rate:

Cheapest States for Car InsuranceAverage Monthly Cost of Car InsuranceAverage Annual Cost of Car Insurance
Maine$88$1,051
Vermont$91$1,094
Ohio$92$1,105
Idaho$190$1,169
Virginia$101$1,217

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.

Based on the same systematic methodology we use to rate all car insurance providers, here is where each company shines:

ProviderOverallAwardReputationAvailabilityCoverageCostExperience
USAA9.5Low Rates for Military9.589.5109.3
Geico9.2Editor’s Choice9.8108.59.49
State Farm9.2Most Popular Provider9.99.7998.8
Progressive9.2Rates for High- risk Drivers8.91099.38.9
Travelers9.1Most Coverage Options8.7109.58.88.6

If you are shopping for car insurance and are interested in learning more about any of these providers before reaching out for a quote, you can click the link inside the table to read our comprehensive reviews.

Car Insurance Comparisons

In addition to assessing the top auto insurance companies individually, we’ve also conducted side-by-side comparison reviews. The chart below highlights how many of the top auto insurance companies stack up when directly compared with each other:

ComparisonBottom Line
Geico vs. ProgressiveProgressive has more coverage options and Geico has lower average rates.
State Farm vs. GeicoGeico has more discounts and State Farm has higher claims satisfaction ratings.
Allstate vs. ProgressiveProgressive has more coverage offerings and strong customer reviews and Allstate has better claims satisfaction ratings.
USAA vs. GeicoUSAA has higher coverage ratings and Geico has higher availability ratings.
Allstate vs. GeicoAllstate has slightly higher coverage ratings and Geico is a better provider overall.

Discount Auto Insurance Quotes

When you compare car insurance rates, double check that you’ve provided complete information to take advantage of any discount opportunities. 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% while USAA offers a discount of up to 60% for military personnel who store their vehicles during deployment.


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