Compare Car Insurance Rates

Comparison shopping is crucial if you want to save money on car insurance. Here’s why: Insurers look at similar factors, but they have their own “secret sauce” when it comes to setting rates. So two companies can charge wildly different rates for the same driver.

Auto insurance prices tend to inch up over time, but they can also go down. By shopping around, you might find that your current insurer offers the cheapest rate for you, or you might find that it’s time to switch.

Several factors go into an auto insurance rate: ZIP code, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history could also be used to determine rates.

That’s why every year, NerdWallet analyzes car insurance rates for men and women with various driving and credit histories, in every state and for every major auto insurance company, so you can compare auto insurance rates with ease and get the cheapest price for you.

Table of contents

Compare car insurance rates

Compare by age

Compare for drivers with a DUI

Compare for drivers with poor credit

Compare for drivers with an at-fault accident

How to compare car insurance quotes

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Methodology

Compare car insurance rates

Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation, or emphasizes a clean driving history more than others.

But to help you get going, we can show you average annual rates for minimum and full coverage car insurance by state and by company, from many of the largest insurers in each state. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

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Compare car insurance rates by age

Your driving history isn’t the only factor carriers look at when calculating your car insurance rate. Your age can have a big effect on what you pay. For example, you likely know teen drivers have some of the highest car insurance rates on average, but they aren’t the only ones. Drivers 75 years and older tend to have higher car insurance rates than most age groups, after teens and 20-somethings.

To get more insight, we compiled average annual rates from nine of the 10 largest private passenger auto insurers in the country based on market share data from the National Association of Insurance Commissioners.

Compare minimum and full coverage rates for 20-year-olds

Drivers around the age of 20 typically get higher car insurance rates because as a group they get into more accidents on average than older drivers.

Rates vary from company to company. For example, full coverage from Geico for a 20-year-old costs $2,304 a year, on average, while the average price from Allstate is $3,706.

Below you can compare annual rates for 20-year-olds by company and by state. Rates are averaged across the country separately for full and minimum coverage.

Company

Full coverage

Minimum coverage

Allstate

$3,706

$1,067

American Family

$2,374

$1,038

Farmers

$3,550

$1,421

Geico

$2,304

$715

Nationwide

$2,976

$1,369

Progressive

$3,546

$1,244

State Farm

$2,683

$979

Travelers

$2,874

$851

USAA

$2,298

$755

*USAA is only available to military, veterans and their families.

Average car insurance rates for a 20-year-old driver vary significantly from state to state. Some states, like Hawaii and North Carolina, have average rates under $1,530 a year for full coverage. In other states, such as Louisiana and Nevada, insurance costs more than $5,000 a year, on average, for the same driver.

See how your state stacks up below.

State

Full coverage

Minimum coverage

Alabama

$3,632

$1,253

Alaska

$2,650

$836

Arizona

$3,294

$1,254

Arkansas

$3,850

$1,189

California

$3,564

$1,152

Colorado

$3,969

$1,137

Connecticut

$3,638

$1,785

Delaware

$4,741

$2,086

Florida

$4,890

$1,875

Georgia

$3,714

$1,639

Hawaii

$1,143

$370

Idaho

$2,124

$723

Illinois

$3,172

$1,147

Indiana

$2,409

$802

Iowa

$2,124

$528

Kansas

$3,478

$991

Kentucky

$4,915

$1,877

Louisiana

$5,873

$2,102

Maine

$2,469

$834

Maryland

$4,490

$2,045

Massachusetts

$2,618

$1,006

Michigan

$4,616

$1,766

Minnesota

$2,884

$1,052

Mississippi

$3,636

$1,250

Missouri

$3,543

$1,087

Montana

$3,543

$1,087

Nebraska

$2,915

$803

Nevada

$5,052

$2,223

New Hampshire

$2,448

$899

New Jersey

$3,883

$1,750

New Mexico

$2,784

$858

New York

$3,958

$1,747

North Carolina

$1,533

$505

North Dakota

$2,344

$677

Ohio

$2,298

$838

Oklahoma

$3,632

$1,018

Oregon

$2,599

$1,263

Pennsylvania

$3,380

$998

Rhode Island

$4,820

$1,