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Compare multiple cars
Arrive at the best car insurance quotes.
Fast, free online car insurance comparison. See matches instantly.
The best way to get the cheapest auto insurance for you is by shopping around. Enter your information below to start getting quotes from companies in your area.
Comparing car insurance quotes may not be the most exhilarating part of your day, but it can save you a lot of money.
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. To avoid overpaying and find the cheapest rate for you, it’s critical to compare car insurance quotes from multiple companies.
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.
How to compare car insurance quotes
First of all, every car insurance rate quote you receive should be free of charge, no matter where it’s from. Some auto insurers require a down payment to start your policy, but a simple quote estimate should always be free. Here’s how to get going.
Gather your information
To quickly and easily compare car insurance quotes, have the following on hand:
- Personal information: The address, date of birth, occupation, driver’s license and marital status of everyone you want included on the policy.
- Vehicle information: Mileage, date of purchase and Vehicle Identification Number (VIN) for each car. Or, if you haven’t purchased the car yet, have mileage, make, model and year handy.
- Driving history: Include all claims, violations and tickets you’ve had over the past five years, plus any completed driving courses.
- Current or previous insurer’s name for anyone on the policy or in your household. Some insurers won’t cover you without some coverage history, and if you want to exclude anyone living with you from the policy, you’ll need to prove they’re covered elsewhere.
Choose the right liability car insurance coverage levels
Auto insurance is financial protection, and not just for the investment you made when you bought your car. After a really serious accident, bills for damage and injuries can easily reach into hundreds of thousands of dollars. If you happen to cause such a wreck, the victims could sue you. In the worst case scenario, assets such as your savings and home could be seized.
Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.
But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.
They come in thousand-dollar increments, so when you choose 100/300/100 limits, you’re choosing:
- $100,000 for bodily injuries per person you injure in a crash.
- $300,000 total for all bodily injuries you cause in a crash.
- $100,000 for damage to any property you cause in a crash, including cars, buildings and objects like mailboxes and lampposts.
Auto insurance quote comparison tip: When choosing liability car insurance coverage, you’ll want to make sure the highest, middle number is equal to or greater than the value of your house and total savings combined.
Decide if you need full coverage car insurance
You’ll notice that none of that liability coverage pays for your car or injuries, nor for any injuries your passengers sustain if you cause a wreck. This is why many people — particularly those whose car isn’t yet paid off — want “full coverage” car insurance. This isn’t actually a type of coverage, but instead typically refers to policies that include liability coverage, plus comprehensive and collision coverages.
In other words, you can’t just click a “full coverage” button when comparing insurance quotes online or buy something called a full coverage auto insurance policy. You’ll need to add collision and comprehensive coverage in the amounts you want.
|Collision insurance pays for:||Comprehensive insurance pays for:|
|Company||Full coverage||Minimum coverage|
*USAA is only available to military, veterans and their families.
Compare minimum and full coverage car insurance rates in your state
One of the largest factors affecting your car insurance quote will be something you wouldn’t change just for cheaper car insurance — where you live. However, it does have a very big impact and should be part of financial planning if you move out of your area.
For that reason, it’s good to do a car insurance quote comparison anytime you move, even within the same state. Here are our 2019 average annual car insurance rates by state for minimum and full coverage car insurance policies.
|State||Full coverage||Minimum coverage|
|District of Columbia||$1,698||$795|
Car insurance and credit score
Though it might seem unfair, your credit history is one of the largest factors affecting your car insurance quote in all states except California, Hawaii and Massachusetts. Below are sample car insurance rates for accident-free drivers with good and poor credit, both by company and by state, for full coverage insurance.
Compare car insurance rates for good and bad credit by company
It’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. For example, NerdWallet’s 2019 car insurance rate analysis indicates that while State Farm charges higher rates for poor credit in many states, it doesn’t seem to do so in Maine. Similar variations are true for many other companies as well.
|Company||Good drivers with good credit||Good drivers with poor credit|
*USAA is only available to military, veterans and their families.
Compare car insurance rates for good and bad credit in your state
Certain states prohibit the use of credit in setting rates, and how insurers treat credit differs from state to state. For example, state legislators in one state may allow more wiggle room for credit-based pricing than others, leading to variations by state.
|State||Good drivers with good credit||Good drivers with poor credit|
|District of Columbia||$1,698||$3,117|
*Credit-based pricing is banned in California, Hawaii and Massachusetts.
Car insurance rates and accident history
Among the largest companies, your history of accidents, tickets and other violations will affect your auto insurance quote in very different ways. Check out how each insurers’ average rates for drivers with and without an accident stack up before you start comparison shopping for auto insurance, and then below you can see differences by state.
Compare car insurance rates for a clean record and at-fault crash by company
The cheapest car insurance company for a driver with a clean history might not be the cheapest after an at-fault accident occurs. If you have an on-record accident, make sure to compare car insurance quotes one, three and five years after the date of the incident.
|Ctate||Drivers with clean driving history||Drivers with a recent at-fault accident|
*USAA is only available to military, veterans and their families.
Compare car insurance rates for a clean record and at-fault crash in your state
State legislators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in only $2,000 worth of damage. That caused average annual rates to spike by $1,000 or more in some states, while others jumped by far less. One thing’s for sure: Your rates will definitely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record.
|State||Drivers with clean driving history||Drivers with a recent at-fault accident|
|District of Columbia||$1,698||$2,636|
NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state for full and minimum insurance coverage. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same.
Minimum insurance coverage levels required by law in each state were used for the minimum coverage category, using the “good driver” profile. For all other categories, sample drivers had the following coverage limits:
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per crash.
- $50,000 property damage liability coverage per crash.
- $100,000 uninsured motorist bodily injury coverage per person.
- $300,000 uninsured motorist bodily injury coverage per crash.
- Collision coverage with $1,000 deductible.
- Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used a 2015 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your own rates will be different.
NerdWallet Compare, Inc. NMLS ID# 1617539
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
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