Car Insurance Quotes | Car Insurance Companies
Think of it like asking how much something costs before you buy it. It helps you compare and pick what’s best for you.
A car insurance quote is a basic idea of how much you have to pay for insurance coverage of your vehicle. You only have to give your required details, like your car, driving history, and what kind of protection you want. It’s just an estimate—not a final deal or contract with the insurance company. The insurer will share the cost of insuring your vehicle.
Car Insurance Quotes | Car Insurance Companies
🚗 Car Insurance Comparison Table
| Company | Full Coverage | Liability-Only | Get Quote Link |
|---|---|---|---|
 | $122 | $31 | Get Quote |
 | $146 | $45 | Get Quote |
 | $166 | $41 | Get Quote |
 | $178 | $56 | Get Quote |
 | $178 | $53 | Get Quote |
 | $193 | $45 | Get Quote |
 | $234 | $79 | Get Quote |
 | $246 | $60 | Get Quote |
 | $322 | $101 | Get Quote |
*Note: USAA is available only to military members, veterans, and their families.
For more detailed information and to compare rates based on your specific ZIP code and personal profile, you can visit NerdWallet’s car insurance comparison tool: https://www.nerdwallet.com/insurance/auto/car-insurance.
To make car insurance shopping easy, just follow these five simple steps.
- Collect info about your car and drivers
You’ll need these details for everyone who drives and for each car in your home
| Vehicles | Drivers |
| * Year, make and model. * Vehicle identification number (VIN). * Mileage. * Year purchased. * Current insurer (if applicable). | * Date of birth. * Occupation and marital status. *Driver’s license number. * Accidents or traffic violations in the past five years. |
If you’re also looking for home or renters insurance with your car insurance, keep some basic info about your home ready too. This will help you get a better quote. Get home insurance quotes.
- 2. Know What Coverage You Need
- Before you start getting quotes, think about how much protection you want. Online quotes often come with default settings that might not match your needs. You can usually adjust things like liability limits and add extras like comprehensive or collision coverage.
- If you already have insurance you’re happy with, grab your latest policy details. They can help guide you when choosing coverage for new quotes.
- Not sure what coverage suits you? There are plenty of guides out there to help you decide.
- Compare Apples to Apples
When looking at different quotes, make sure you’re comparing similar coverage limits and deductibles. Also, check if they include extras like roadside assistance or accident forgiveness. This way, you’re making a fair comparison. - Check Out the Insurance Companies
You want an insurer that’s reliable, especially when you need to file a claim. Look into customer reviews and satisfaction ratings to see how they handle claims and customer service.
Also, consider what features are important to you. Prefer filing claims online? Make sure the company offers that. Drive for a rideshare service? Check if they have coverage for that.
- Check Out the Insurance Companies
If you’re also shopping for home or renters insurance, see if bundling them with your car insurance saves you money. Sometimes it does, but not always. Compare bundled and separate policies to see what’s best for you.
Why comparing quotes helps you save
Car insurance prices can differ a lot between companies and drivers. This is because each insurance company calculates rates differently, considering factors like your age, driving history, and even where you live. Some companies might focus more on your driving record, while others might look closely at your credit score or the type of car you drive. [1]
To find the best deal, it’s a good idea to compare quotes from multiple insurance providers. Each company has its way of assessing risk, so shopping around can help you find a rate that fits your situation. [2]
Citations:
3 ways to get car insurance quotes
There are three main ways to shop for car insurance, each with pros and cons.
Direct car insurance quotes online or by phone
Your first option is to call insurance companies one by one, or visit each of their websites to get individual quotes. Not sure which insurers to check? Start with our lists of the best car insurance and the cheapest car insurance companies.
| Pros | Cons |
| ✅ You can reach out to as many companies as you’d like, including big-name insurers like State Farm that typically don’t sell their policies through independent agents. ✅ You can often quickly customize your coverage options online to see how they impact your quote. | ❌ Requires making multiple phone calls or entering your information over and over again. ❌ No access to smaller insurers, like Safety or Auto-Owners, that don’t sell directly to consumers. |
Car insurance quote comparison sites
Another option is to shop with multiple companies at once using a comparison website. (Fun fact: NerdWallet offers its own comparison tool you can try.)
After you enter some basic information about yourself and your vehicle, the site will match you with one or more car insurance companies. Keep in mind that you may not see a list of personalized rates at this stage — you’ll often need to visit each company’s website individually to provide more information and get your final price.
| Pros | Cons |
| ✅ Saves you time by shopping with several companies at once. ✅ Ideal for users who want to buy online instead of making phone calls. ✅ Comparison sites generally pass some of your information on to the insurer, so you don’t have to type it all in again. | ❌ Depending on your circumstances, you may not see as many options as you want. ❌ Expect follow-up phone calls or emails, as comparison sites often share your personal information with other insurers and brokers. ❌ May partner with a limited number of carriers. |
Independent agents or brokers
A final option is to work with an independent insurance agent or insurance broker. This is often a local professional who will take your information by phone or in person, then shop around for insurance on your behalf. An agent or broker may be a good fit for people with complicated insurance needs — if you have a spotty driving history, for example, or you’re trying to get quotes for multiple cars, a house,
and an umbrella policy for extra liability coverage.
| Pros | Cons |
| ✅ Often has access to smaller regional insurers that may not offer online quotes. ✅ Saves you time by comparing rates for you. ✅ Can answer questions and give personalized guidance. | ❌ Generally requires at least one initial phone call. ❌ Your options are limited to insurance companies the agent or broker works with. ❌ Brokers may charge a fee. |
Car insurance rates vs. quotes
Car insurance quote is an estimate provided by an insurance company, providing the potential cost of an auto insurance policy. This estimate is based on information provided by the customer, such as the applicant’s age, location, and driving history. It’s important to note that a quote is not an agreement but serves as a starting point for understanding potential costs.
Upon finalizing to proceed with a policy, the insurance provider conducts the comprehensive evaluation. This included a detailed review of the individual’s driving record, credit-based insurance score, other relevant factors. The outcome of this assessment determines the actual cost of the policy, known as the premium.
Car insurance rates can vary significantly among different insurers or individuals. Each company employs a methodology for calculating premiums, considering different personal factors. so, it’s advised to obtain and compare quotes from multiple insurance providers to identify the most suitable and cost-effective option.
Tips to Save on Car Insurance
- Shop Around: Get quotes from different companies to see who offers the best rate for your situation.
- Bundle Policies: If you have other insurance needs (like home or renters insurance), bundling them with your car insurance can lead to discounts.
- Maintain a Clean Driving Record: Safe driving can lead to lower premiums over time.
- Consider Usage-Based Insurance: If you don’t drive much, some companies offer plans where you pay based on how much you drive.
Tips from Reddit users on comparing car insurance
During the scrolling through Reddit forums to check how users feel about comparing car insurance. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Many Redditors are frustrated about rising insurance costs and the time and effort that go into getting car insurance quotes. People want to find a way to get quotes quickly and reliably, but find it hard to do so.
Here are some of the car insurance shopping tactics Redditors shared:
- Shopping around regularly to try and find better deals. (Hint: We’ve got a free comparison tool right here.)
- Using their car insurance quotes as leverage to see if insurers can match or beat another company’s quote.
- Working with a local independent insurance agent
Rates by age
According to age can have a big impact on your car insurance rates. Teens pay the most, with rates typically decreasing once you hit your 30s and going up again in your 70s.
Car Insurance rates in the U.S. for a driver with a clean record and good credit:
| Age 20 | Age 35 | Age 70 |
| $4,702 per year | $2,312 per year | $2,152 per year |
For the young drivers Average annual rates by Companies
For the 20-year-old drivers, full coverage insurance rates with good credit and no recent accidents, DUIs or traffic violations.
| Companies | Full Coverage | Minimum coverage | Compare |
|---|---|---|---|
| $3,240 | $847 | |
| $4,076 | $1,167 | |
| $3,617 | $971 | |
| $4,128 | $1,408 | |
| $4,016 | $1,122 | |
| $5,159 | $1,392 | |
| $6,455 | $2,278 | |
| $6,848 | $1,408 | |
| $7,933 | $2,796 |
*USAA is only available to military, veterans and their families.
Average annual rates for Millennials, by Companies
These are full coverage insurance rates for 35-year-old drivers with good credit and no recent accidents, DUIs or traffic violations.,
| Company | Full Coverage | Minimum coverage | Get Quote Link |
|---|---|---|---|
| $2,954 | $724 | |
| $2,132 | $672 | |
| $166 | $1,216 | |
| $1,991 | $492 | |
| $2,805 | $948 | |
| $2,133 | $639 | |
| $2,318 | $545 | |
| $1,754 | $538 | |
| $1,463 | $377 |
*USAA is only available to military, veterans and their families.
Average annual rates for seniors, by company
These are full coverage insurance rates for 70-year-old drivers with good credit and no recent accidents, DUIs or traffic violations.
| Company | Full Coverage | Minimum coverage | Get Quote Link |
|---|---|---|---|
| $2,803 | $737 | |
| $2,037 | $752 | |
| $3,508 | $1,189 | |
| $1,963 | $553 | |
| $2,582 | $938 | |
| $1,802 | $623 | |
| $2,107 | $544 | |
| $1,689 | $599 | |
| $1,257 | $372 |
- *USAA is only available to military, veterans and their families.
Rates by driving history
Rates would go up or even double. If there is any DUI or at-fault accident on your record.— But each car insurer prices these incidents a little differently, so it’s worth shopping around for the best rates.
These are average full coverage car insurance rates in the U.S. for a 35-year-old driver:
| Clean driving history | Recent DUI | Recent at-fault accident |
| $2,312 per year | $4,287 per year | $3,420 per year |
Disclaimer
The insurance rate information provided above is for general reference only. Rates may vary significantly based on your ZIP code, driving history, credit score, vehicle type, and other underwriting factors. We strive to ensure the accuracy of this data; however, actual quotes may differ. Please visit the insurer’s official website or contact them directly for the most accurate and personalized quote. We do not endorse any specific provider and are not responsible for changes in their offerings or policies.
Frequently asked questions
1. What factors affect car insurance rates the most?
Your ZIP code, age, driving history, credit score, vehicle type, and coverage levels all impact your premium.
2. What’s the difference between full coverage and liability-only insurance?
Liability covers damage to others, while full coverage includes collision and comprehensive protection for your own car.
3. How can I lower my car insurance premium?
You can bundle policies, maintain a clean driving record, increase deductibles, and shop around for better rates.
4. Are online quotes from insurers accurate?
Online quotes are estimates. Final rates may vary after detailed risk assessment by the insurer.
5. Is USAA available to everyone?
No. USAA is available only to military members, veterans, and eligible family members.
6. How do I compare car insurance companies effectively?
Compare coverage options, customer service ratings, financial strength, and actual quoted premiums side-by-side.
7. Should I choose the cheapest policy?
Not always. The cheapest may lack essential coverage, leading to higher out-of-pocket costs later.
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