When it comes to auto insurance, no two companies price their policies the same way. A company that’s cheap for your neighbor might be expensive for you. Your driving history, the car you drive and even where you live can affect your rates. To make sure you’re getting a good deal, always get quotes from at least three different insurance companies before buying your policy.
Look for your driver type below to see which companies may be the best options for the lowest rates.
Compare Car Insurance Rates 2024
Comparing auto insurance quotes is all about gathering options so you can find the best car insurance companies.
Compare car insurance rates:
- By age
- For seniors
- For adding a teen driver
- For drivers with a speeding ticket
- For drivers with a DUI
- For drivers with an at-fault accident
- By credit score
- By vehicle
Compare Auto Insurance Rates by Age
Your age affects car insurance rates. Young, inexperienced drivers pay the most but can expect their rates to start going down around age 25. Drivers with good driving records who are free of tickets or accidents enjoy the best rates in their 50s and 60s. Rates start to increase again around age 70.
| Age | Average annual cost of full coverage car insurance | Average annual cost of minimum coverage car insurance |
|---|---|---|
| 18 | $5,575 | $1,861 |
| 25 | $2,419 | $754 |
| 30 | $2,197 | $680 |
| 40 | $2,078 | $652 |
| 50 | $1,934 | $613 |
| 60 | $1,861 | $601 |
| 70 | $2,034 | $648 |
| 80 | $2,507 | $810 |
We analyzed car insurance rates for a variety of ages. See our findings:
- Car Insurance For Teens And Young Drivers
- Best Car Insurance For College Students
- Best Car Insurance For Seniors
Compare Car Insurance Rates for 18-Year-Olds
Drivers who are 18 are relatively new to driving and are more likely to be in auto accidents than more mature and experienced drivers. That makes car insurance for 18-year-olds more expensive.
By Company
Prices for auto insurance vary greatly from one company to another because they calculate their rates using different formulas. We analyzed average rates for full coverage insurance and state minimum car insurance and found that Erie has the cheapest rates for an 18-year-old.
| Company | Full coverage car insurance cost per year | State-minimum car insurance cost per year |
|---|---|---|
| $3,229 | $888 | |
| USAA* | $3,615 | $1,023 |
| $4,101 | $1,255 | |
| $4,119 | $1,730 | |
| $4,473 | $1,474 | |
| $4,690 | $1,223 | |
| $4,726 | $2,363 | |
| $4,891 | $1,585 | |
| $7,232 | $2,199 | |
| $7,283 | $2,532 | |
| $7,387 | $2,376 | |
| $7,784 | $2,637 | |
| $10,162 | $3,426 |
By State
Car insurance costs differ considerably from state to state for an 18-year-old driver. Hawaii—a state that prohibits age as a rating factor—is the cheapest state in our analysis. Florida and Louisiana have the most expensive auto insurance for drivers age 18.
Compare Car Insurance Rates for 25-Year-Olds
Rates start to fall for young drivers around age 25. These drivers now have several years of experience behind the wheel, so they pose less risk.
By Company
USAA has the lowest average cost for full coverage and state minimum car insurance for 25-year-olds if you qualify with a military connection. Travelers has the cheapest full coverage for all other drivers age 25.
Erie and Westfield are the cheapest insurers for state minimum coverage. They are regional companies so if they don’t serve your area, check quotes from Geico.
Safe Auto has the most expensive insurance for drivers age 25 among the companies in our analysis.
| Company | Full coverage car insurance cost per year | State-minimum car insurance cost per year |
|---|---|---|
| USAA* | $1,694 | $442 |
| $1,737 | $709 | |
| $1,849 | $840 | |
| $2,097 | $651 | |
| $2,106 | $563 | |
| $2,160 | $719 | |
| $2,307 | $688 | |
| $2,372 | $634 | |
| $2,497 | $763 | |
| $2,549 | $564 | |
| $2,958 | $923 | |
| $3,235 | $940 | |
| $3,678 | $1,078 |
By State
Hawaii and Vermont are the cheapest states for 25-year-old drivers who want full coverage. Florida and Louisiana are the most expensive.
The cheapest state for minimum car insurance coverage for 25-year-olds is Wyoming, followed by Hawaii and Vermont. Florida is the most expensive state for 25-year-olds to buy minimum coverage.
| State | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| $2,239 | $616 | |
| $2,020 | $553 | |
| $2,668 | $850 | |
| $2,532 | $631 | |
| $3,381 | $872 | |
| $2,862 | $646 | |
| $2,444 | $1,043 | |
| $2,543 | $1,112 | |
| $4,136 | $1,551 | |
| $2,609 | $996 | |
| $1,341 | $380 | |
| $1,516 | $499 | |
| $2,382 | $733 | |
| $1,894 | $551 | |
| $1,958 | $391 | |
| $2,509 | $665 | |
| $2,931 | $948 | |
| $4,190 | $1,224 | |
| $1,796 | $599 | |
| $2,647 | $1,133 | |
| $2,114 | $622 | |
| $2,977 | $1,276 | |
| $2,223 | $690 | |
| $2,274 | $692 | |
| $3,026 | $900 | |
| $2,551 | $553 | |
| $2,197 | $513 | |
| $3,092 | $1,104 | |
| $1,796 | $623 | |
| $2,710 | $1,285 | |
| $2,264 | $611 | |
| $3,175 | $1,198 | |
| $1,637 | $586 | |
| $1,922 | $481 | |
| $1,646 | $471 | |
| $3,017 | $650 | |
| $2,122 | $916 | |
| $2,789 | $624 | |
| $2,634 | $952 | |
| $2,654 | $947 | |
| $2,514 | $435 | |
| $2,232 | $655 | |
| $3,028 | $973 | |
| $2,402 | $864 | |
| $1,420 | $380 | |
| $2,218 | $747 | |
| $1,854 | $624 | |
| $2,468 | $690 | |
| $1,951 | $503 | |
| $1,576 | $319 |
Compare Car Insurance Rates for 30-Year-Olds
By age 30, drivers generally have fewer accidents than younger drivers and can get better car insurance quotes.
By Company
USAA has the cheapest full coverage and state minimum car insurance rates for 30-year-olds, according to our analysis. Only military members, veterans and their families are eligible for USAA auto policies. Travelers is the cheapest for full coverage for other drivers and Auto-Owners is the cheapest for minimum coverage.
Allstate and Safe Auto are the most expensive companies for 30-year-old drivers.
| Company | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| USAA* | $1,493 | $393 |
| $1,662 | $691 | |
| $1,677 | $751 | |
| $1,812 | $488 | |
| $1,874 | $566 | |
| $1,909 | $439 | |
| $2,043 | $682 | |
| $2,164 | $618 | |
| $2,235 | $682 | |
| $2,274 | $503 | |
| $2,871 | $881 | |
| $3,002 | $908 | |
| $3,255 | $922 |
By State
Vermont, Maine, Idaho and Hawaii are the cheapest states for 30-year-olds buying a full coverage policy, while Florida and Louisiana cost the most.
The cheapest states for buying minimum coverage at age 30 are Wyoming, Vermont and Iowa. Florida, New Jersey and Michigan are the costliest.
Compare Car Insurance Rates for Seniors
The best car insurance companies for seniors provide ample coverage choices and good customer service at a decent price. Nationwide and Travelers have the cheapest car insurance rates for seniors for full coverage, while USAA is a cheap choice for seniors who have a military connection.
Car insurance costs usually rise as drivers pass age 65. By age 70, senior drivers are paying an average of 11% more than they were at age 60. At age 80, they’re paying about 37% more than they did at age 60 and 23% more than age 70.
| Company | Average annual senior car insurance costs | Average rates per year for 60-year-old drivers | Average rates per year for 70-year-old drivers | Average rates per year for 80-year-old drivers |
|---|---|---|---|---|
| $1,479 | $1,320 | $1,410 | $1,707 | |
| USAA* | $1,506 | $1,277 | $1,416 | $1,826 |
| $1,552 | $1,319 | $1,472 | $1,865 | |
| $1,734 | $1,419 | $1,623 | $2,159 | |
| $1,804 | $1,614 | $1,718 | $2,080 | |
| $1,839 | $1,666 | $1,743 | $2,108 | |
| $1,934 | $1,670 | $1,853 | $2,279 | |
| $2,020 | $1,882 | $1,946 | $2,231 | |
| $2,238 | $1,908 | $2,030 | $2,775 | |
| $2,519 | $2,113 | $2,428 | $3,015 | |
| $2,966 | $2,670 | $2,803 | $3,424 | |
| $2,978 | $2,440 | $2,943 | $3,553 | |
| $3,061 | $2,553 | $3,060 | $3,571 |
Compare Car Insurance Rates for Adding a Teen Driver
There’s no escaping the higher price of car insurance for teens, but you can still save money by comparing car insurance quotes if you’re adding a teen driver to your policy.
Our analysis found that Nationwide and Erie have the best rates for adding a teen driver to a full coverage policy.
| Company | Annual car insurance cost after adding a 16-year-old to a parent policy | Average auto insurance cost increase after adding a 16-year-old driver |
|---|---|---|
| $2,990 | 43% | |
| $3,541 | 83% | |
| USAA* | $3,935 | 168% |
| $4,296 | 92% | |
| $4,360 | 83% | |
| $4,654 | 129% | |
| $4,727 | 136% | |
| $4,865 | 145% | |
| $5,050 | 85% | |
| $5,358 | 176% | |
| $6,415 | 96% | |
| $6,638 | 66% | |
| $7,528 | 34% |
Compare Car Insurance Rates by Driving Record
Your driving record heavily influences your car insurance rates. Insurers scrutinize your past driving behavior to gauge your level of risk. If your driving record includes a speeding ticket, accident or other issue, your costs will be higher.
Compare Car Insurance Rates for Drivers With a Speeding Ticket
Drivers can expect car insurance rates to go up after a speeding ticket. We found costs go up an average of 26%.
By Company
A speeding ticket is a minor traffic violation, so the rate increase is relatively small compared to a major violation like a DUI. USAA is the cheapest company for those who qualify. Nationwide and Erie are the cheapest for all other drivers, among the insurers in our analysis.
| Company | Average car insurance cost per year after a speeding ticket | Average car insurance cost per month after a speeding ticket |
|---|---|---|
| USAA* | $1,661 | $138 |
| $1,878 | $157 | |
| $1,899 | $158 | |
| $2,062 | $172 | |
| $2,150 | $179 | |
| $2,270 | $189 | |
| $2,335 | $195 | |
| $2,350 | $196 | |
| $2,457 | $205 | |
| $3,062 | $255 | |
| $3,312 | $276 | |
| $3,543 | $295 | |
| $3,951 | $329 |
By State
Drivers with speeding tickets will see a bump up in car insurance rates ranging from an average of 13% to 54%, depending on the state. How long a speeding ticket will stay on your record varies by state, but it’s generally three to five years.
Texas insurers have the lowest increase for drivers with speeding tickets (13%). Michigan has the highest increase (54%).
Vermont has the lowest average rate for drivers with a speeding ticket ($1,353 a year). That’s a 17% rate increase compared to a driver with a clean record.
Compare Car Insurance for Drivers With a DUI
A DUI is a costly insurance mistake. Our analysis found that the average car insurance rate increase for drivers with a DUI is 71%. You can find the cheapest car insurance after a DUI by getting quotes from multiple companies.
By Company
Our analysis found that Progressive generally has the best quotes for drivers with a DUI conviction. Westfield is the most expensive, with rates almost double those from Progressive.
| Company | Average car insurance cost per year for drivers with a DUI | Average car insurance cost per month for drivers with a DUI |
|---|---|---|
| $2,307 | $192 | |
| USAA* | $2,604 | $217 |
| $2,610 | $218 | |
| $2,665 | $222 | |
| $2,716 | $226 | |
| $3,083 | $257 | |
| $3,172 | $264 | |
| $3,578 | $298 | |
| $3,723 | $310 | |
| $4,101 | $342 | |
| $4,272 | $356 | |
| $4,315 | $360 | |
| $4,577 | $381 |
By State
A DUI typically raises your auto insurance rates for three to five years, depending on your state.
Idaho has the cheapest rates for drivers with a DUI and California is the most expensive, with a 121% hike, on average. In addition, in California, you can’t receive a good driver discount until 10 years have passed after a DUI.
The percentage increase for a DUI in North Carolina is 203%, the highest in the country.
Compare Car Insurance Rates for Drivers With an At-Fault Accident
Expect car insurance rates to go up after an accident that’s your fault. We found that costs increase an average of 49% after an accident with injury and 48% after an accident you cause with property damage to someone else.
By Company
USAA has the lowest quotes for drivers with an at-fault accident that resulted in an injury to someone else. Check quotes from Erie and Travelers if you aren’t eligible for USAA insurance.
| Company | Average car insurance cost per year after an accident | Average car insurance cost per month after an accident |
|---|---|---|
| USAA* | $1,958 | $163 |
| $2,224 | $185 | |
| $2,293 | $191 | |
| $2,337 | $195 | |
| $2,428 | $202 | |
| $2,539 | $212 | |
| $2,748 | $229 | |
| $2,770 | $231 | |
| $2,901 | $242 | |
| $3,860 | $322 | |
| $4,101 | $342 | |
| $4,412 | $368 | |
| $4,545 | $379 |
By State
Our analysis found that drivers in Vermont, Idaho, Maine and Hawaii get the cheapest rates after causing an accident with injury (less than $2,000 a year for a full coverage policy).
The most expensive states are Florida, California and Louisiana. California has the largest rate increase among all states—averaging 95%—nearly doubling rates for causing an accident.
Compare Car Insurance for Drivers With Poor Credit
Poor credit increases car insurance rates for most drivers. Drivers with poor credit could pay more than double for car insurance compared to those with good credit. That’s because car insurance companies say their research shows that those with bad credit have a higher likelihood of filing claims. We found that drivers with poor credit pay about 94% more compared to those with good credit.
By Company
Nationwide has the best quotes for drivers with poor credit. It charges an average of 43% more for drivers with bad credit. That’s far better than State Farm’s cost, which is an average of nearly $8,000 a year—almost quadruple the price it offers drivers with good credit.
| Company | Average car insurance cost per year for drivers with poor credit | Average car insurance cost per month for drivers with poor credit |
|---|---|---|
| $2,051 | $171 | |
| USAA* | $2,450 | $204 |
| $2,482 | $207 | |
| $2,699 | $225 | |
| $3,221 | $268 | |
| $3,403 | $284 | |
| $3,583 | $299 | |
| $3,637 | $303 | |
| $3,701 | $308 | |
| $4,531 | $378 | |
| $4,889 | $407 | |
| $5,407 | $451 | |
| $7,961 | $663 |
By State
We found that drivers with poor credit in Washington get the lowest rates compared to other states, at an average cost of $1,812 per year. Washington drivers also get the lowest rate increase, at an average of 19%. Louisiana and Arizona have the most expensive rates, which are an average of over $7,000 per year. Arizona’s average rate increase for drivers with bad credit is 243% and Louisiana’s is 125%.
California, Hawaii, Massachusetts and Michigan ban the use of credit in pricing auto insurance. The remaining states allow car insurance companies to take credit into account when determining costs.
Compare Car Insurance Rates by Vehicle
The type of vehicle you insure impacts how much you spend on car insurance, especially if you’re buying collision and comprehensive insurance. Here’s a look at average car insurance costs for some of the most popular cars in 2024.
The Subaru Forester and Subaru Crosstrek are tied for being the least expensive on our list, while the Tesla Model 3 and Tesla Model Y are the most expensive to insure.
Your car insurance rates would be around 40% a year cheaper on average by insuring a Subaru Forester or Crosstrek instead of a Tesla Model Y and 38% cheaper than the Tesla Model 3.
| Vehicle | Average car insurance cost per year |
|---|---|
| Subaru Forester | $1,922 |
| Subaru Crosstrek | $1,922 |
| Honda CR-V | $1,963 |
| Ford F-150 | $2,045 |
| Hyundai Tucson | $2,047 |
| Toyota RAV4 | $2,074 |
| Chevrolet Equinox | $2,109 |
| Jeep Wrangler | $2,112 |
| Nissan Rogue | $2,188 |
| Chevrolet Silverado 1500 | $2,207 |
| Ford Explorer | $2,210 |
| GMC Sierra 1500 | $2,219 |
| Jeep Grand Cherokee | $2,268 |
| Honda Civic | $2,285 |
| Toyota Camry | $2,331 |
| Honda Accord | $2,334 |
| Toyota Corolla | $2,344 |
| Ram 1500 | $2,448 |
| Tesla Model 3 | $3,117 |
| Tesla Model Y | $3,264 |
Related: Most and Least Expensive Cars to Insure
How to Compare Car Insurance Rates
Comparing car insurance rates is the key to obtaining the best price for your policy. The steps to gathering car insurance quotes are simple.
Gather Information
Having certain information on hand will assist you in comparing car insurance rates faster. First, be prepared to give basic personal facts about you and other drivers on the policy, such as:
- Name
- Address
- Date of birth
- Driver’s license number
- If you’ve had any tickets or accidents in recent years
- If you’ve had any gaps in coverage
Decide How Much Car Insurance You Need
Figuring out how much car insurance you need is important so you can get quotes for the same amount of coverage with every company. That means you can properly compare rates to find the best deal.
Buying more than the state-mandated liability insurance requirements makes sense in nearly all cases since even minor accidents can exceed low insurance limits. By bumping up your liability coverage to $100,000 per person and $300,000 per accident for bodily injury and $100,000 for property damage (written as 100/300/100), an accident you cause is less likely to surpass your limits.
Liability insurance doesn’t cover your own vehicle’s damage, so you must also decide if you want comprehensive and collision coverage.
- Collision insurance covers your vehicle if you collide with another car or object.
- Comprehensive insurance covers various events such as theft of your car, fire, vandalism, damage from falling objects, severe weather and striking an animal.
You’ll choose a deductible amount—the amount your insurer deducts from a claim check—when you buy collision and comprehensive insurance. A $500 deductible is the most common choice, but you can save money by raising your car insurance deductible.
Check Coverage Options and Discounts
Make sure the companies you’re considering provide coverage options you want and discounts that you’ll qualify for.
For example, if you want accident forgiveness coverage, check if this is offered. If you have a teen driver and work from home, a company with good student and low-mileage car insurance discounts is worth considering.
Collect and Compare Car Insurance Quotes
Next it’s time to shop around to find the company that will fit your budget.
Compare car insurance quotes for the exact same coverage amounts to be sure you’re getting an equitable comparison. Check out multiple insurers for pricing. We recommend comparing at least three companies but more is better if you have the time.
Information Needed to Get Car Insurance Quotes
To make the process go as smoothly as possible and be able to buy your policy immediately if you so desire, 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 and to know how long they’ve been licensed.
- Driving history and past insurance claims history. Be prepared to share traffic violations, accidents, or car insurance claims that occurred in the past three to five years.
- Vehicle identification number (VIN). You’ll typically find your car’s VIN on the driver’s side dashboard or a sticker on the driver’s side door or door jamb. If you haven’t bought the car yet, you can usually get a quote with the vehicle’s make and model.
- Mileage. Have the odometer reading handy and know your annual mileage.
- Type and amount of coverage you want. You’ll need to know what coverage types and limits you want to buy. If you’re uncertain, it’s a good idea to speak with an insurance agent who can answer your questions.
The auto insurance company will gather additional information about you, such as your credit-based auto insurance score (in most states).
What Factors Influence My Car Insurance Quotes?
There are several factors that play a role in car insurance quotes. Common pricing factors include:
Get Cheaper Car Insurance Quotes
You can get cheap car insurance by shopping around, maximizing discounts and increasing your deductible.
Here are our experts’ tips on how to compare car insurance quotes and save.
Tips for Getting Cheaper Car Insurance Quotes
Penny Gusner
Insurance Senior Writer
Amy Danise
Insurance Managing Editor
Michelle Megna
Insurance Lead Editor
Les Masterson
Insurance Editor
Jason Metz
Insurance Lead Editor
Compare Car Insurance Rates Routinely
I recommend shopping around at least every year or two for car insurance with at least three companies for the same level of coverage and deductible amount. Insurers have their own way of calculating rates so prices can vary considerably.
A good time to shop for car insurance is when you receive your renewal bill so you can compare costs with other companies and see if they can beat the price of your current company.
Insurance Senior Writer
See About Bundling
I recommend looking into bundling my home and auto coverage. It makes it convenient to have both policies with the same insurer—and it can come with a decent discount.
Digging into discount data, I found that State Farm has the biggest discount (23%) for bundling home and auto insurance, but American Family (18%) and Farmers (18%) also offer good insurance bundling discounts.
Insurance Managing Editor
Change Your Deductible
The higher the car insurance deductible, the less you’ll pay for coverage. That’s because your insurer pays out less if you file a collision or comprehensive car insurance claim.
When getting auto insurance quotes, I recommend asking how much you can save by increasing the deductible. I’d suggest seeing if having a $1,000 deductible rather than $500 would save enough to make it worth your while.
Insurance Lead Editor
Take Advantage of Car Insurance Discounts
You can possibly save hundreds each year by asking about car insurance discounts. When I get a car insurance quote, I look to see if the results tell me about the discounts I’m getting. Not all quotes show this, so I suggest contacting the company to ask about discounts if you don’t see them listed.
Insurance Editor
Talk to an Independent Agent
If you like chatting on the phone, I suggest you reach out to an independent agent to compare quotes. An independent insurance agent sells policies from multiple insurance companies so you can get quotes from different insurers to locate the one with the cheapest car insurance costs.
Insurance Lead Editor
Read More Reviews
Forbes Advisor’s car insurance company ratings and reviews can narrow down your choice of car insurance companies,
We evaluated a variety of auto insurers and provided pros and cons, grades from collision repair professionals, complaint data, coverage offerings, discounts and other essential information so you can make an informed decision.
Methodology
We used data from Quadrant Information Services to find average rates for a variety of companies for good drivers, drivers who have caused an accident, drivers with a speeding ticket, drivers with a DUI, drivers with poor credit, adding a teen driver, senior drivers and young drivers. We also analyzed average rates for a variety of new vehicle models.
Unless otherwise noted, rates are based on a 40-year-old female driver insuring a new Toyota RAV4 and full coverage of:
- $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
- Uninsured motorist coverage of 100/300.
- Collision and comprehensive insurance with a $500 deductible.
State minimum coverage rates reflect the minimum amount of auto insurance required in each state.
Best Car Insurance Companies 2024
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to.
Compare Car Insurance Quotes
Via EverQuote’s website
Car Insurance Quotes Frequently Asked Questions (FAQs)
Can I get an auto insurance quote before I buy a car?
Yes, and it’s smart to get a car insurance quote before you buy a car, in case the insurance bill doesn’t fit your budget.
For example, if you compare car insurance quotes between a regular sedan and a sports car, you’ll usually find insurance rates for the sports car to be much higher.
Why are my car insurance quotes so high?
Your driving history is a major influence on car insurance quotes and could be what is pushing your rates up. Bad credit can increase car insurance rates—even more than an accident record.
Other pricing factors include the type of car you drive, where you live and the other drivers in your household. Rates vary widely among insurers, so it’s important to compare car insurance quotes from several companies to find the best deal.
Do I need a driver’s license to shop for car insurance?
You may be able to get car insurance with no license, but it can be difficult since some insurance companies will require a driver’s license. Other insurers may give you coverage at a much higher price than those with a license.
Car insurance companies review your driving record when setting rates. If you don’t have a license, you’re considered a high-risk driver, which leads to higher car insurance costs.
