Auto


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.

Every year car insurance rates for men and women various based on driving and credit histories, in every single state and for every major auto insurance company, so you can compare auto insurance rates with ease and get the cheapest price for you.

Compare sample auto insurance rates by:

  • Age
  • Drivers with a DUI.
  • Drivers with poor credit.
  • Drivers with a recent speeding ticket.
  • Drivers with an at-fault accident.

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 policies by state and by company, from the top 10 private passenger auto insurers in the country based on 2019 market share data from the National Association of Insurance Commissioners. “Full coverage” policies have higher liability limits and include uninsured motorist protection, comprehensive and collision coverage.

Compare minimum and full coverage rates for 25-year-olds

Drivers around the age of 25 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 American Family for a 25-year-old costs $1,386 a year, on average, while the average price from Liberty Mutual is $2,311.

Below you can compare annual rates for 25-year-olds by company and by state. Rates are averaged across the country separately for full and minimum coverage.

Company25-year-old with minimum coverage25-year-old with full coverage
Allstate$805$1,983
American Family$682$1,386
Farmers$1,003$2,092
Geico$558$1,426
Liberty Mutual$1,128$2,311
Nationwide$767$1,539
Progressive$808$1,959
State Farm$703$1,737
Travelers$833$1,703
USAA*$489$1,251

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

Average car insurance rates for a 25-year-old driver vary significantly from state to state. Some states, like Maine and Vermont, have average rates under $1,200 a year for full coverage. In other states, such as New Jersey and California, insurance costs more than $2,000 a year, on average, for the same driver profile.

See how your state stacks up below.

State25-year-old with minimum coverage25-year-old with full coverage
Alabama$636$1,649
Alaska$544$1,476
Arizona$646$1,613
Arkansas$644$1,700
California$778$2,044
Colorado$703$1,816
Connecticut$1,007$1,992
Delaware$924$1,779
District of Columbia$849$1,770
Florida$1,309$2,682
Georgia$791$1,862
Hawaii$487$1,176
Idaho$432$1,158
Illinois$508$1,364
Indiana$480$1,192
Iowa$359$1,189
Kansas$489$1,539
Kentucky$1,142$2,574
Louisiana$1,294$3,555
Maine$438$1,112
Maryland$917$1,881
Massachusetts$605$1,468
Michigan$1,290$2,507
Minnesota$632$1,472
Mississippi$642$1,746
Missouri$584$1,586
Montana$432$1,428
Nebraska$482$1,374
Nevada$1,006$2,139
New Hampshire$500$1,269
New Jersey$1,086$2,024
New Mexico$539$1,430
New York$1,067$2,165
North Carolina$446$1,173
North Dakota$449$1,460
Ohio$527$1,241
Oklahoma$640$1,793
Oregon$720$1,418
Pennsylvania$453$1,333
Rhode Island$928$1,956
South Carolina$759$1,706
South Dakota$363$1,449
Tennessee$505$1,444
Texas$753$1,721
Utah$665$1,416
Vermont$447$1,150
Virginia$380$1,185
Washington$746$1,501
West Virginia$572$1,534
Wisconsin$402$1,157
Wyoming$368$1,340

Compare minimum and full coverage rates for 40-year-olds

Drivers around the age of 40 are in a car insurance sweet spot. Because this age group tends to get in fewer accidents than other age groups, they typically can get the cheapest rates. But prices will still vary from company to company. Aside from USAA, which is only available to military, veterans and their families, Geico provides the lowest price for full coverage cost for 40-year-olds at $1,198, on average, while Farmers Insurance comes in at the highest at $1,865, on average.

Compare national average annual car insurance rates for 40-year-olds by company and by state below. Keep in mind that not all of these companies are available in every state.

Company40-year-old with minimum coverage40-year-old with full coverage
Allstate$784$1,834
American Family$601$1,233
Farmers$926$1,865
Geico$478$1,198
Liberty Mutual$900$1,778
Nationwide$682$1,349
Progressive$774$1,766
State Farm$624$1,511
Travelers$815$1,528
USAA*$415$1,023

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

While average car insurance rates fluctuate by state, 40-year-olds in several states, including Idaho, Indiana and Virginia, can pay less than $1,000 a year, on average, for full coverage policies. Similar drivers in other states could pay less than $2,000 a year for full coverage, on average. Only four states charge more than $2,000 a year to 40-year-old drivers with full coverage car insurance: Kentucky, Michigan, Florida and Louisiana.

See how your state stacks up below.

State40-year-old with minimum coverage40-year-old with full coverage
Alabama$558$1,401
Alaska$456$1,180
Arizona$581$1,409
Arkansas$558$1,427
California$636$1,627
Colorado$636$1,570
Connecticut$854$1,683
Delaware$839$1,559
District of Columbia$755$1,527
Florida$1,188$2,352
Georgia$690$1,594
Hawaii$487$1,176
Idaho$362$937
Illinois$437$1,163
Indiana$409$994
Iowa$309$997
Kansas$434$1,306
Kentucky$983$2,161
Louisiana$1,150$2,971
Maine$367$916
Maryland$800$1,595
Massachusetts$550$1,299
Michigan$1,285$2,331
Minnesota$579$1,280
Mississippi$513$1,385
Missouri$505$1,339
Montana$395$1,252
Nebraska$420$1,181
Nevada$902$1,881
New Hampshire$415$1,056
New Jersey$994$1,759
New Mexico$484$1,241
New York$1,026$1,962
North Carolina$411$1,075
North Dakota$400$1,235
Ohio$463$1,051
Oklahoma$583$1,595
Oregon$639$1,228
Pennsylvania$413$1,167
Rhode Island$820$1,684
South Carolina$656$1,458
South Dakota$312$1,245
Tennessee$426$1,170
Texas$664$1,471
Utah$607$1,248
Vermont$381$960
Virginia$327$993
Washington$652$1,261
West Virginia$504$1,307
Wisconsin$359$1,005
Wyoming$333$1,184

Compare car insurance rates for drivers with a DUI

After a DUI, your auto insurance rate will go up — in some cases, 75% or more. But one thing you can control that can affect rates the most is your insurance company. A DUI can affect car insurance rates for 3 to 10 years, so it’s best to shop around for the best price after getting one.

Below you can compare company averages for 40-year-olds before and after a DUI. Keep in mind that not all of these companies are available in every state.

CompanyDrivers without a DUIDrivers with a DUI
Allstate$1,834$3,301
American Family$1,233$1,397
Farmers$1,865$2,866
Geico$1,198$2,743
Liberty Mutual$1,778$4,128
Nationwide$1,349$3,016
Progressive$1,766$2,263
State Farm$1,511$2,549
Travelers$1,528$2,332
USAA*$1,023$1,925

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

While your rate will increase after a DUI, how much it does depends in part on which state you live in. In Missouri, the average rate for drivers with a recent DUI is 43% higher, on average, than for similar drivers with no incidents — $571 more a year. However, a DUI in North Carolina more than tripled average rates in our analysis, adding more than $3,000 to the annual cost of full coverage car insurance for 40-year-old drivers.

See below for how your state measures up.

StateDrivers without a DUIDrivers with a DUI
Alabama$1,401$2,484
Alaska$1,180$1,842
Arizona$1,409$2,793
Arkansas$1,427$2,369
California$1,627$4,006
Colorado$1,570$2,373
Connecticut$1,683$3,169
Delaware$1,559$2,583
District of Columbia$1,527$2,571
Florida$2,352$3,681
Georgia$1,594$2,914
Hawaii$1,176$4,153
Idaho$937$1,494
Illinois$1,163$1,888
Indiana$994$1,538
Iowa$997$1,694
Kansas$1,306$2,177
Kentucky$2,161$3,598
Louisiana$2,971$4,118
Maine$916$1,521
Maryland$1,595$2,543
Massachusetts$1,299$2,352
Michigan$2,331$5,807
Minnesota$1,280$2,337
Mississippi$1,385$2,297
Missouri$1,339$1,910
Montana$1,252$2,092
Nebraska$1,181$1,737
Nevada$1,881$2,987
New Hampshire$1,056$1,866
New Jersey$1,759$3,013
New Mexico$1,241$1,954
New York$1,962$2,960
North Carolina$1,075$4,409
North Dakota$1,235$2,190
Ohio$1,051$1,701
Oklahoma$1,595$2,491
Oregon$1,228$1,837
Pennsylvania$1,167$1,837
Rhode Island$1,684$3,346
South Carolina$1,458$2,203
South Dakota$1,245$2,186
Tennessee$1,170$2,096
Texas$1,471$2,290
Utah$1,248$1,898
Vermont$993$2,052
Virginia$960$1,567
Washington$1,261$2,024
West Virginia$1,307$2,090
Wisconsin$1,005$1,935
Wyoming$1,184$2,179

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Compare car insurance rates for drivers with poor credit

Your credit history is one of the largest factors affecting your car insurance quote in all states except California, Hawaii and Massachusetts. While rates can double in some cases, it’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. Drivers with poor credit insured by Liberty Mutual could pay an average of 40% more — $719 more a year — compared to similar drivers with good credit. Meanwhile, State Farm’s average price for full coverage more than doubles for drivers with poor credit compared to those with good credit.

Below you can compare average full coverage rates for 40-year-old drivers with poor credit by company.

CompanyGood drivers with good creditGood drivers with poor credit
Allstate$1,834$2,907
American Family$1,233$2,045
Farmers$1,865$3,227
Geico$1,198$1,748
Liberty Mutual$1,778$2,497
Nationwide$1,349$1,896
Progressive$1,766$3,238
State Farm$1,511$3,114
Travelers$1,528$2,803
USAA*$1,023$1,925

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

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.

Our analysis found that:

  • In North Carolina, a driver with poor credit could pay about 33% more than a good credit driver.
  • Having poor credit in Utah doubles the average insurance rate compared to drivers with good credit.
  • Average rates for poor credit drivers in Michigan were about 2.4 times the average rates for good credit drivers.

Below you can compare average full coverage rates for 40-year-old drivers with poor credit by state.

StateGood drivers with good creditGood drivers with poor credit
Alabama$1,401$2,525
Alaska$1,180$1,753
Arizona$1,409$3,037
Arkansas$1,427$2,445
California*$1,627$1,627
Colorado$1,570$2,799
Connecticut$1,683$3,436
Delaware$1,559$2,873
District of Columbia$1,527$2,756
Florida$2,352$4,267
Georgia$1,594$2,566
Hawaii*$1,176$1,176
Idaho$937$1,599
Illinois$1,163$2,022
Indiana$994$1,742
Iowa$997$1,737
Kansas$1,306$2,218
Kentucky$2,161$3,827
Louisiana$2,971$4,958
Maine$916$1,905
Maryland$1,595$2,678
Massachusetts*$1,299$1,299
Michigan$2,331$5,513
Minnesota$1,280$2,539
Mississippi$1,385$2,182
Missouri$1,339$2,480
Montana$1,252$2,098
Nebraska$1,181$1,968
Nevada$1,881$3,074
New Hampshire$1,056$2,162
New Jersey$1,759$3,686
New Mexico$1,241$2,006
New York$1,962$4,233
North Carolina$1,075$1,425
North Dakota$1,235$2,295
Ohio$1,051$1,797
Oklahoma$1,595$2,725
Oregon$1,228$2,115
Pennsylvania$1,167$2,034
Rhode Island$1,684$2,915
South Carolina$1,458$2,984
South Dakota$1,245$2,144
Tennessee$1,170$2,267
Texas$1,471$2,616
Utah$1,248$2,507
Vermont$993$1,705
Virginia$960$1,547
Washington$1,261$2,261
West Virginia$1,307$2,392
Wisconsin$1,005$1,809
Wyoming$1,184$1,863

*Credit-based pricing is banned in California, Hawaii and Massachusetts.

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Compare car insurance rates for drivers with a ticket

After you get a speeding ticket, your auto insurance rates will go up — typically about 25%. But the amount your rate goes up depends on the state you live in and your insurance company. American Family’s average rates for drivers with a speeding ticket were 5% more than for drivers with a clean record in our analysis. By contrast, Liberty Mutual’s rates for drivers with a speeding ticket are 34% more than for those with a clean record, on average. Since a ticket can stay on your driving record anywhere from 1 to 3 years, it’s always best to shop around to find the cheapest rates.

Below you can compare average full coverage rates for 40-year-old drivers with a recent ticket by company.

CompanyDrivers with a clean driving historyDrivers with a recent ticket
Allstate$1,834$2,172
American Family$1,233$1,289
Farmers$1,865$2,476
Geico$1,198$1,557
Liberty Mutual$1,778$2,383
Nationwide$1,349$1,697
Progressive$1,766$2,281
State Farm$1,511$1,784
Travelers$1,528$1,990
USAA*$1,023$1,200

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

You can also compare car insurance rates by state. In some states like Pennsylvania and Texas, average rates for drivers with a speeding ticket are 12% higher, on average, than for drivers with no violations. In other states a speeding ticket resulted in 40% higher rates — or more, such as in Hawaii, where a ticket costs an additional 74% in car insurance premiums, on average.

Below you can compare average full coverage rates for 40-year-old drivers with a recent ticket by state.

StateDrivers with a clean driving historyDrivers with a recent ticket
Alabama$1,401$1,707
Alaska$1,180$1,364
Arizona$1,409$1,847
Arkansas$1,427$1,813
California$1,627$2,321
Colorado$1,570$1,864
Connecticut$1,683$2,130
Delaware$1,559$1,901
District of Columbia$1,527$1,802
Florida$2,352$2,946
Georgia$1,594$1,980
Hawaii1,1762,050
Idaho$937$1,163
Illinois$1,163$1,483
Indiana$994$1,299
Iowa$997$1,149
Kansas$1,306$1,583
Kentucky$2,161$2,597
Louisiana$2,971$3,642
Maine$916$1,197
Maryland$1,595$1,884
Massachusetts$1,299$1,669
Michigan$2,331$3,416
Minnesota$1,280$1,601
Mississippi$1,385$1,769
Missouri$1,339$1,577
Montana$1,252$1,571
Nebraska$1,181$1,451
Nevada$1,881$2,281
New Hampshire$1,056$1,317
New Jersey$1,759$2,281
New Mexico$1,241$1,474
New York$1,962$2,310
North Carolina$1,075$1,568
North Dakota$1,235$1,573
Ohio$1,051$1,310
Oklahoma$1,595$2,008
Oregon$1,228$1,516
Pennsylvania$1,167$1,303
Rhode Island$1,684$2,188
South Carolina$1,458$1,755
South Dakota$1,245$1,453
Tennessee$1,170$1,421
Texas$1,471$1,665
Utah$1,248$1,467
Vermont$993$1,141
Virginia$960$1,153
Washington$1,261$1,533
West Virginia$1,307$1,533
Wisconsin$1,005$1,255
Wyoming$1,184$1,596

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Compare minimum and full coverage rates for drivers with an accident

Among the largest companies, your history of accidents will affect your auto insurance quote in very different ways. Check out how each insurer’s average rates for drivers with an accident stack up before you start comparison shopping for auto insurance. 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 to continue to get the best and cheapest rate possible.

The cheapest car insurance company for a driver with a clean history might not be the cheapest company after an at-fault accident occurs. For example, while USAA typically has the best price for drivers with a clean driving history, our data shows that American Family has the cheapest average rates for drivers with a recent at-fault accident — with rates after an accident only 13% higher, on average, than for our base profile.

Below you can compare average full coverage rates for 40-year-old drivers with a recent at-fault accident by company

CompanyDrivers with a clean driving historyDrivers with a recent at-fault accident
Allstate$1,834$2,904
American Family$1,233$1,391
Farmers$1,865$2,783
Geico$1,198$1,888
Liberty Mutual$1,778$2,837
Nationwide$1,349$2,128
Progressive$1,766$2,980
State Farm$1,511$1,968
Travelers$1,528$2,071
USAA*$1,023$1,482

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

State legislators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in $10,000 worth of damage. That caused average annual rates to spike by $1,000 or more in some states, while others jumped by far less. For example, rates in Idaho for full coverage policies and drivers with a recent at-fault accident were $349 per year more, on average, than for drivers with for no accidents. Meanwhile, rates in Louisiana averaged over $1,600 more after causing an accident than for incident-free drivers.

One thing’s for sure: Your rates will likely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record. Below you can compare average full coverage rates for 40-year-old drivers with a recent at-fault accident by state.

StateDrivers with a clean driving historyDrivers with a recent at-fault accident
Alabama$1,401$2,035
Alaska$1,180$1,687
Arizona$1,409$2,086
Arkansas$1,427$2,231
California$1,627$2,927
Colorado$1,570$2,265
Connecticut$1,683$2,644
Delaware$1,559$2,170
District of Columbia$1,527$2,158
Florida$2,352$3,220
Georgia$1,594$2,512
Hawaii1,1761,581
Idaho$937$1,286
Illinois$1,163$1,731
Indiana$994$1,502
Iowa$997$1,450
Kansas$1,306$1,887
Kentucky$2,161$3,238
Louisiana$2,971$4,593
Maine$916$1,314
Maryland$1,595$2,311
Massachusetts$1,299$2,290
Michigan$2,331$3,566
Minnesota$1,280$1,779
Mississippi$1,385$2,049
Missouri$1,339$1,910
Montana$1,252$1,848
Nebraska$1,181$1,738
Nevada$1,881$2,811
New Hampshire$1,056$1,629
New Jersey$1,759$2,802
New Mexico$1,241$1,827
New York$1,962$2,576
North Carolina$1,075$1,833
North Dakota$1,235$1,865
Ohio$1,051$1,702
Oklahoma$1,595$2,440
Oregon$1,228$1,808
Pennsylvania$1,167$1,780
Rhode Island$1,684$2,522
South Carolina$1,458$2,100
South Dakota$1,245$1,726
Tennessee$1,170$1,746
Texas$1,471$2,150
Utah$1,248$1,793
Vermont$993$1,540
Virginia$960$1,417
Washington$1,261$1,866
West Virginia$1,307$1,872
Wisconsin$1,005$1,473
Wyoming$1,184$1,678

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How to compare car insurance quotes

First of all, every car insurance rate quote you receive should be free —whether it’s from Geico, Farmers or a small insurer you’ve never heard of. Some auto insurers require a down payment to start your policy, but a simple quote estimate should always be free. Here’s how to start comparing quotes.

1. Gather your information

To quickly and easily compare car insurance quotes, have the following on hand:

  • Personal information, which includes 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.

2. 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.

These coverages come in thousand-dollar increments, so when you choose an auto insurance policy with 100/300/100 limits, you’ll be 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.

When choosing liability car insurance coverage, try to make sure the highest, middle number is equal to or greater than the value of your house and total savings combined.

Understand car insurance requirements in your state

In certain states, you may be required to have a car insurance policy that includes personal injury protection (PIP), medical payments coverage (medpay) or uninsured/underinsured motorist coverages — or two of the three. If you have medpay you don’t need PIP, and vice versa.

Any car insurance comparison tool you look at should have your state’sminimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.

3. 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:
Damage to your car in an accident you cause.Damage to your car if you hit an object such as a fence or pole.Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.The value of your car if it’s stolen and not recovered, and damage from:Weather such as tornadoes or hail.Floods.Fire.Falling objects.Explosions.Crashes with an animal, such as striking a deer.Riots and civil disturbances.

Auto insurance quote comparison tip: Whatever coverage you choose, make sure you compare the quotes for the same type and amount of coverage so you can find the best price.

4. Collect and compare car insurance quotes

You’ll want to get car insurance quotes from at least two or three companies available in your area to be sure you’re getting a good deal. Consider comparing quotes from regional companies as well as the big companies such as Allstate, Progressive and State Farm. While shopping, make certain that each insurance quote includes:

  • The same levels of liability and uninsured/underinsured motorist protection.
  • The same deductibles for collision and comprehensive coverages, if you’re buying them.
  • The same drivers and cars.
  • All discounts you’re eligible for (most insurers list the discounts they offer on their websites).

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Frequently Asked Questions

Why do I need to compare auto insurance quotes?

Comparing car insurance rate quotes is the best way to ensure that you’re getting the most bang for your buck. Auto insurance companies look at similar factors but weigh them differently, so you’ll get differing quotes from each.

We recommend you shop around and compare rate quotes for car insurance about once a year — this is your best bet at getting the cheapest rate. If you’ve been in a recent at-fault accident, received a speeding ticket or are about to move out of state, shop around again..

Does an auto insurance rate change depending on your gender?

It depends. Some states — Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania and some parts of Michigan — have banned the practice of calculating auto insurance rates based on a person’s gender. But in other states, women may pay more, on average, for car insurance compared to men with similar driving records. For young adults, the trend is flipped — young men tend to pay more than women.

But switching companies can wipe out that price difference, so your best bet is to shop around to find the cheapest insurance rate you can.

Is auto insurance cheaper for homeowners?

Oftentimes, yes. Most insurers offer discounts for customers that bundle home and auto insurance, while others offer a separate discount just for being a homeowner. Bundling policies might also make it easier for you to keep track of your coverage and claims.

Combining policies is usually best reserved for drivers with a solid driving history. If you have multiple traffic violations, poor credit or other negative marks on your driving record, you might be better off shopping for auto insurance and homeowners insurance from separate companies.

How do I get cheap rideshare insurance?

Many auto insurance companies offer rideshare insurance as an add-on to your current policy — typically around $15 more a month. If your insurer doesn’t offer the option, your best bet is to switch to one that does and stay properly covered.

If you’re unable to get rideshare insurance in your state, you may need to purchase a commercial insurance policy to ensure that you have the full coverage required.

Do I need to compare auto insurance rates if I move out of state?

While it may come as a surprise, 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.

Compare car insurance companies

Use NerdWallet’s reviews to compare car insurance companies and find the best one for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and more for all of the country’s top auto insurance companies as well as many smaller, regional insurers.

How to Get the Best Car Insurance Deal

If you’ve recently had to insure your car, you’ve probably noticed that your premiums have risen in comparison to the previous year. Rising used-car values and the rising cost of replacement parts have both contributed to higher premiums.  So, if your car insurance is up for renewal, here are some tips to help you get …
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THE TOP EIGHT REASONS WHY CAR INSURANCE CLAIMS ARE DENIED

Did you file a claim with your car insurance company and have it denied? Learn the top eight reasons why insurance companies deny claims in this short article. Insurance Claim Denied Due to Your Fault in the Accident The first reason an insurance company may deny your claim (assuming you file a claim against the …
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How to Save Money on Senior Insurance?

While car insurance rates are lowest during your adult years, your premiums will rise as you age. Car insurance rates for seniors begin to rise around the age of 65. A 65-year-car old’s insurance costs on average $1,565. By the age of 75, the average car insurance policy costs $1,847. However, affordable car insurance for …
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The Deadliest Roads in Florida and Accident Statistics

This article will reveal Florida’s deadliest roads and share some of the state’s most frightening accident statistics, some of which may surprise you. Florida’s Deadliest Road Spreads Let us begin by listing some of the most dangerous roads, as determined by data from the Fatality Analysis Reporting System (FARS). • Pasco County: From Denton Avenue …
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How to Find the Lowest Car Insurance

To get cheap car insurance, compare quotes every 6-12 months, take advantage of all available discounts, and drop any unnecessary coverage types. Customers can save up to 35% with discounts, and insurers claim that drivers can save up to 20% by switching to a cheaper company. 1. Every 6-12 months, compare quotes. Every time you …
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Umbrella Insurance

What Exactly is Umbrella Insurance? Umbrella insurance is additional coverage that extends beyond the limits and coverages of other policies, such as auto or property insurance. If you don’t have the right level of coverage, your assets, home equity, retirement savings, and other assets could be at risk from personal injury and property damage claims. …
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What is the Mandatory Minimum for Auto Insurance in Your State?

A state may require five different types of insurance coverage. Except for Florida, every state requires bodily injury liability insurance (BI), and all 50 states and Washington, D.C. require property damage liability insurance (PD). Approximately half of the states require some form of uninsured/underinsured motorist coverage (UIM). Finally, only a few states mandate personal injury …
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Insurance for Commercial Vehicles

It is critical to have adequate commercial auto insurance if you provide company vehicles to your employees. Here are six things businesses should know about company vehicle insurance requirements. Liability Protection is Provided by Commercial Auto Insurance Companies require commercial auto insurance because it protects them from liability if an employee is involved in a …
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What Happens in Case of Accident without Insurance?

Car insurance is required in nearly every state to protect drivers on the road financially in the event of a car accident. According to the Insurance Research Council, one out of every eight drivers is uninsured. Driving without car insurance can have a number of negative consequences, particularly if you cause an accident. Although the …
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How to Change Car Insurance?

Most companies make it simple to change your current car insurance policy because your coverage needs have changed or to switch insurance companies to save money. Here’s what you should know before changing your auto insurance policy. Is It Possible To Change My Auto Insurance Policy At Any Time? Yes, in most cases, you can …
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Impact of Points on Your Licence on Car Insurance Premium

Car insurance companies keep track of their customers’ driving offences in order to calculate rates. Each auto insurance company has its own system, but excessive offences and claims can result in higher premiums. This is especially true if you’ve been convicted of a serious offence, such as a DUI or DWI. Driver’s licence points are …
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Purchasing Auto Insurance Online

You can save time, money, and hassle when shopping for car insurance online by doing your research and comparing quotes. Insurance can be purchased online in minutes. Can I Purchase Auto Insurance Online? Yes, it is possible to obtain car insurance online. If you’re prepared with basic information about yourself, your driving record, and your …
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Car Insurance on the Spot

By going online and requesting an instant quote, you can get same-day car insurance from nearly any major auto insurance company in a matter of minutes. Your new car must be insured before you drive it off the lot. The good news is that you can now obtain car insurance if you require it immediately. …
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How to Handle a Claim Dispute

Reasons why an Insurance Company Denies a Claim Your claim may be denied by your insurance company if: They believe you overestimated the value of the claim. Insurance fraud is suspected. Your claim may also be rejected if there is insufficient evidence of the harm caused to back up your claim. If you have fallen …
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Who Needs Non-Owner Auto Insurance?

What is Non-Owner Car Insurance Policy? Non-owner insurance, also known as non-drivers insurance, covers bodily injury and property damage when driving a vehicle that you do not personally own. So, if you get into an accident with another driver and are found to be at fault, your non-owners insurance policy will protect you from lawsuits, …
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Car Insurance for Foreign Drivers in the United States

Most insurance companies in the United States provide car insurance to tourists, but you must have a valid driver’s licence. Your original licence may be accepted depending on your home country, or you can apply for an international driving permit (IDP). Standard policy terms for foreign drivers purchasing car insurance in the United States are …
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How Long Can You File a Claim After a Car Accident?

Each state has its own time limit which specifies how long you have to file a claim or lawsuit and varies depending on the type of claim, such as bodily injury or property damage. Most states allow you two years to file a car insurance claim, but depending on where your accident occurred, you could have …
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Methods for Obtaining Proof of Insurance

Proof of insurance can take several forms, but it is essential for all drivers to have. You will be required to show it if you are pulled over, involved in an accident, or register a vehicle. The most common type of proof of insurance is a card mailed to you or printed out by your …
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How the Process of Car Insurance Claims Works

Notifying your insurance provider that you have been in an accident is done through the procedure of filing an insurance claim. In order to pay any losses or injuries you sustain, the claim begins the process of gaining access to your benefits. How Are Insurance Claims Handled? A request to use your benefits is referred …
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Reasons Your Auto Insurance Claim Was Denied

You probably hope you won’t ever have an accident and need to make a claim when you purchase auto insurance. But you expect that your insurance will pay up if you ever need to file one. Unfortunately, insurance companies occasionally reject policyholders’ claims, frequently for valid reasons but occasionally not. It’s important to understand the …
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How to Save Money on Teen Auto Insurance

There are a few ways to reduce insurance prices, even though teen drivers normally pay more for coverage. With your teen, you should discuss the cost of the insurance. Additionally, it’s a chance to practise safe driving practises and shop around for the best deal on auto insurance. 1. Keep to a Parent’s Plan Adding a …
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Car Insurance

CAR INSURANCE FOR TEENAGERS 

Sources: https://www.marketwatch.com/picks/guides/insurance/teenage-drivers-insurance/ Although you may have heard the term “teen car insurance”, there isn’t actually a specific kind of auto insurance coverage for teens. Whether a driver is 16 or 96 years old, they must have liability insurance that satisfies the state’s minimum standards. Understanding the fundamental coverage levels for auto insurance is necessary to choose the …
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How auto insurance premiums are calculated 

Sources: https://www.thezebra.com/ https://www.progressive.com/answers/comprehensive-insurance/#:~:text=Comprehensive%20insurance%20coverage%20is%20defined,or%20other%20acts%20of%20nature. https://www.thezebra.com/auto-insurance/coverage/liability-insurance/ https://www.thezebra.com/auto-insurance/insurance-guide/medical-payments-coverage-auto-insurance/ https://www.thezebra.com/auto-insurance/insurance-guide/pip-insurance/ You must understand the numerous coverage elements that make up an insurance policy if you’re shopping for a new auto insurance plan. The standard auto insurance policy includes six different categories of coverage:  1. Comprehensive coverage 2. Collision protection 3. Coverage for uninsured and underinsured drivers 4. Vehicle liability insurance 5. Medical payments coverage 6. Protection from …
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How to save money on your auto insurance.

The first mistake people make is getting the state minimum coverage to “save money.” This usually comes back to haunt them if they get into an accident as the state minimums are rarely enough to cover the damages. The second mistake is they don’t do the right things to reduce the cost of their insurance before they …
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8 questions to ask before buying auto insurance 

Make sure your car coverage reflects your needs and budget The vehicle you own, your personal priorities and your budget all factor into your unique auto insurance needs. Before comparing policies and insurers, evaluate how you use your car and what risks you face to figure out what options make the best sense for you.  …
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15 Ways to save money on your auto insurance

Auto insurance is a very important aspect of being a car insurance policyholder. There are a number of things that you can do to lower your insurance premium, such as increasing your deductible or removing certain items from your policy. Another great way to cut costs on your car insurance policy is by doing comparison …
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Who insures insurance companies

Reinsurers may insure insurance companies but insurance companies “self-insure” or set aside reserves to cover any expected payouts under the policies. How it works: Sometimes insurance companies hold all the risk from underwriting policies. Sometimes insurers buy insurance from reinsurers for part of the risk. Insurers almost never lay off all such risk to others. …
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Why are insurance rates going up even when you have multiple policies such as a homeowners and auto policy? 

Your insurance premiums, and the premiums of thousands of customers, go into a big bank account. For the small percentage of customers who have claims, these claims are paid out of this account. If the insurance company calculates rates properly, by the end of the year, they have paid out the total amount of money …
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Progressive Auto and Home Insurance review

They truly care about their customers however profit is a large part of their philosophy. If you fit their preferred market, good credit, no tickets or accidents and have had higher limit prior insurance, you should receive a good rate. Coincidentally just switched my home and auto to them today. My savings was $1100.00 for …
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Difference Between Business and Commercial Car Insurance?

If you drive your car for work, you should know the difference between commercial, business, and personal auto insurance. Making a quick trip to the store for something for the office isn’t a big deal, but making daily deliveries and transporting business-related cargo might place you in a more vulnerable position in terms of liability. https://goodmenproject.com/everyday-life-2/what-is-the-difference-between-business-and-commercial-car-insurance-auth/ Check …
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How credit card car rental insurance works and 4 cards that have it

https://www.cnbc.com/select/credit-card-car-rental-insurance-how-it-works-cards-that-have-it/ With the start of summer just a few weeks away and vaccine distribution in full swing, the open road is calling out to many Americans. A spring or summer road trip is becoming a popular, socially-distanced alternative to flying, and it can be a great way to spend quality time with family or friends. …
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Auto Insurance savings

New players have entered the Auto insurance marketplace with the goal of finding a “best” price “savings” and ”comparison”. While this may work for the technicaly savvy, please “beware” of auto insurance quotes that appear to offer an upfront savings. Sites like www.officialcarinsurance.com, www.quotewizard.com, insurancewins.com, www.thezebra.com are great examples and we need to be careful. …
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Top 30 Auto Insurance Questions

Except if you’ve needed to look into data about auto insurance coverage to get a strategy for yourself, you probably won’t have the foggiest idea about it, and that is alright, as many individuals don’t. Drivers Ed appears as great a period as any to train individuals about insurance coverage and how it functions, yet …
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Shopping for Auto Insurance

Looking for vehicle insurance is one of the primary things you do when you purchase another vehicle. A few people pick a company on the suggestion of a friend, companion or promotion. That is one approach to do it, yet it’s not generally the most ideal approach to pick the best coverage for your necessities. …
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If one uses the State Farm Drive Safe & Save program, how effective is it in helping bring down the auto insurance cost?

Very effective, if you drive safely. Keep in mind it monitors all your travels, speeds, and driving actions potentially short stops and fast starts. Definitely something to think about, although if it’s like having mom or dad in the car or a baby, your safe driving will be rewarded. …
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What is the cheapest car insurance you can get liability coverage with?

It all depends on your driving record and past claims in the last 39 months. You can get the lowest limits of liability coverage at $25,000/$50,000 Bodily Injury with $25,000 property damage, no collision or comprehensive. Most agents or brokers recommend $100,000 / $300,000. Although if you have no assets or if you don’t have …
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Is Allstate expensive compared to other car and motorcycle insurance companies?

It really depends upon which rating tier you fall into. Insurance companies file their rates with their local state insurance departments.  For example if you have a great credit score and clean driving record, then Allstate may have the best rates. If you have some convictions and bad credit then maybe Progressive.  The insurance companies …
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How do people shop for auto insurance?

In a digital age most people shop online for auto insurance, however agents like myself can do the shopping for you, we know who has the lowest rates and best coverage options to meet you needs. Some sites provide comparative rating, however working with a dedicated agent is always best. …
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Do you need insurance for a courtesy car?

Your existing auto policy would provide overlap if you were injured. If you have comprehensive coverage and collision physical damage would also be covered. However, the company that provided you with the car is required to have it’s own insurance on that car …
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Does Geico own Liberty mutual?

No, Liberty Mutual owned by its policy holders, hence the name Mutual. They also own Safeco a leading Auto insurer similar to Geico. …
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Nationwide

Nationwide offers all that you’d expect from an auto insurer, plus a few additional options and perks. Gap insurance pays the difference between the cash value of your car when it was totaled or stolen and the amount of money left on your loan or lease. This insurance may be required by your lender, and you …
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State Farm

State Farm Auto Insurance Company OverviewYear Founded: 1922Official Website: https://www.statefarm.com/Insurance Offered: Auto, motorcycle, RV, motorhome, homeowners, renters, and moreCustomer Service: 24/7 phone: 1-800-782-8332Key PointsState Farm is licensed in all 50 states, but coverage options and discounts may vary by location.State Farm has more than 19,000 insurance agents nationwide.According to the company, some drivers who use the …
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Allstate

Allstate Insurance Company Founded in 1931 as part of Sears, Roebuck and Co., The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois, near Northbrook since 1967. Allstate is a large corporation, and with 2018 revenues of $39.8 billion it ranked 79th in the 2019 Fortune 500 list of the largest United States corporations by total revenue. History The idea for Allstate Insurance Company came during a bridge …
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Are car insurance rates based on credit score?

Yes, your credit score will determine what tier of auto insurance rates you will fit into for that insurance company. The better or higher your credit score the lower auto insurance rates will be applicable. Insurance companies have analyzed that individuals with higher credit scores have lower rates of getting into auto accidents.  …
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How long do Allstate claims take?

Every claim depends on the size amount and complexity. Obviously small claims can get paid within a week of notice and large claims can take months. This is for any carrier. Allstate generally pays claims quickly and well. …
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Do insurance rates increase after a comprehensive claim?

Generally no, however they will impact your ability to switch companies and get a better rate. …
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Does your insurance go up if you put in a claim?

For homeowners insurance no. Unless you have a large number of claims, then they will just non-renew your policy. For automobile coverage depending on how much the claim is and who’s fault it is, they will surcharge the policy. …
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Are Car Insurance Companies Required to be fair?

In the US, Car or auto insurance companies are required to abide by the insurance laws in the states where they sell policies. These laws protect the purchasers of policies. The states also regulate and approve the rates they can charge and what driver and claims criteria can be used to offer policies. …
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How did you choose your auto insurance provider?

Lowest price and decent insurance company. Also depend on the type of cars your drive and if you own or lease. …
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GEICO Review

Private passenger auto insurance is GEICO’s most popular offering. Beyond private passenger auto insurance, GEICO also provides: motorcycle, ATV, RV, and boat insurance; homeowners’, renters’, condo, co-op, and mobile home insurance; personal umbrella protection; life insurance; flood insurance; overseas insurance; business owners’; professional liability insurance; general liability insurance; commercial auto insurance; collector car insurance; identity …
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Why do auto insurance companies typically cancel coverage after too many accidents, when those drivers are the ones who need insurance the most?

They typically have tiers for rates that fit a criteria of their customers. Once you exceed that criteria they will non-renew your policy. This is because they consider you a higher risk than the typical driver in the tier. From a risk management standpoint by leaving you in that group your claims will drive up …
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