Here’s a breakdown of how we reviewed and rated the top auto insurance providers
Key Takeaways
- You can save hundreds of dollars per year by comparing car insurance quotes, according to our research.
- Use our quote comparison tool to compare car insurance companies by rates, coverage, industry reputation and customer experience.
- Our team sourced more than 10 million quote estimates from Quadrant Information Services to help you compare car insurance rates.
Auto Insurance Quote Comparison Tool
To effectively compare car insurance quotes, it helps to know what general cost range you can expect. That makes it easier to determine which providers offer you the best car insurance rates. Use our auto insurance calculator below to get an estimate of your premium without having to provide any personal contact information.
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“Major factors that drivers should consider when comparing car insurance quotes are the types of coverage — including liability, collision, comprehensive and uninsured motorist coverage — policy limits, deductibles, an insurer’s financial strength and the quality and reputation of its claims service.”
In the following sections, we use tables to display average rate estimates based on different factors. Outside of the specific variables listed in the tables, all other factors fit our standard driver profile, which includes the following details:
- 35 years old
- Males and females
- Clean driving record
- Good credit score
Minimum-coverage rates in each state are based on the jurisdiction’s minimum-liability requirements for drivers. At the national level, minimum-coverage rates are based on a combined average of state rates.
Full-coverage rates are based on a standard policy that includes the following:
- $50,000 bodily injury liability coverage per person, per accident
- $100,000 BI liability coverage total per accident
- $50,000 property damage liability coverage per accident
- $500 comprehensive and collision coverage deductibles
Our data includes more than 10 million car insurance quotes tracked on a quarterly basis and interviews with insurance industry experts.
How To Compare Car Insurance Quotes
Gathering quotes from a variety of auto insurers can be tiresome. You can gather them by contacting insurance agents or brokers in person, over the phone or through email. However, we think the fastest and best way to compare auto coverage rates is to use a quote comparison tool.
How Do Comparison Tools Work?
The tool you’ll find on this page and others like it will guide you through the process one step at a time. At each step, you’ll be asked questions about your vehicle and personal information.
Once you complete the process and have the option to provide your contact information, your responses will be shared with insurers. Companies that can provide the coverage you’re seeking will then reach out to you with quotes that you can compare.
What Information You Need To Get Car Insurance Quotes
Insurance providers vary in what they ask for, but in general, you’ll need at least a few of the following pieces of information:
- Vehicle identification number
- License plate number
- Drivers license number
- Contact information (email address and phone number of primary driver)
- Home address, including ZIP code
- Coverage choices
- Vehicle make, model, year, trim and features
- Additional installed equipment
- Current auto policy details
- Marital status
- Homeownership status
How To Read Car Insurance Requirements
You’ll often find an insurance policy summarized by a series of numbers separated by slashes. Each number represents the limit for a specific type of coverage on a policy.
For example, you may see a policy summarized as 50/100/50. That typically means:
- $50,000 in bodily injury liability coverage per person
- $100,000 in bodily injury liability coverage per accident
- $50,000 in property damage liability coverage
Compare Car Insurance Rates Nationally
The average cost of car insurance in the U.S. in 2025 is $205 per month for full coverage and $63 per month for minimum coverage, according to our research.
The quotes you get will depend on several factors, but the primary one within your control is the provider you select. See below for national average minimum- and full-coverage costs from top national and regional providers based on our standardized driver profile.
Keep in mind that USAA only offers coverage to military members, veterans and their immediate families.
| Provider | National Average Monthly Minimum-Coverage Rate | National Average Monthly Full-Coverage Rate |
|---|---|---|
| West Bend Mutual | $38 | $184 |
| USAA | $36 | $162 |
| Geico | $42 | $174 |
| Auto-Owners | $46 | $190 |
| Erie | $38 | $177 |
| Travelers | $56 | $164 |
| Country Financial | $69 | $198 |
| AAA | $77 | $253 |
| Progressive | $65 | $199 |
| National Average | $63 | $205 |
| State Farm | $65 | $211 |
| Nationwide | $73 | $201 |
| American Family | $81 | $202 |
| Amica | $71 | $256 |
| Farmers | $86 | $247 |
| Allstate | $82 | $252 |
Compare Car Insurance Quotes by Driver Age
Age is one of the primary factors that influence how much you pay for your auto insurance. Teen drivers tend to pay more than drivers of other ages, since their limited driving experience and higher probability of causing accidents make them riskier to insure.
| Driver Age | Cheapest National Provider | Average Monthly Minimum-Coverage Rate by Age | Average Monthly Full-Coverage Rate by Age |
|---|---|---|---|
| 16 | Tradewinds Insurance | $241 | $488 |
| 17 | Tradewinds Insurance | $209 | $456 |
| 18 | Tradewinds Insurance | $185 | $425 |
| 19 | Tradewinds Insurance | $145 | $385 |
| 20 | Tradewinds Insurance | $122 | $327 |
| 21 | Tradewinds Insurance | $105 | $310 |
| 22 | Tradewinds Insurance | $96 | $290 |
| 25 | American National Insurance | $75 | $234 |
| 45 | Patrons Insurance | $63 | $197 |
| 55 | Patrons Insurance | $60 | $184 |
| 65 | Patrons Insurance | $63 | $187 |
| 75 | Patrons Insurance | $75 | $211 |
According to the National Highway Traffic Safety Administration, drivers between 15 and 20 years old have the highest involvement in fatal traffic accidents out of any age group on the road.
Compare Car Insurance by Credit Score
In most states, bad credit means higher car insurance costs. Although insurance providers don’t explicitly use credit scores to determine rates, some may apply drivers’ credit histories to create proprietary credit-based insurance scores. This doesn’t apply to drivers in California, Michigan, Massachusetts and Hawaii.
Car Insurance Rates With Poor Credit
Based on our rate research, poor credit (between 300 and 579) leads to more expensive rates up to 47% for full coverage and 86% for a minimum-liability policy. Here’s what you may pay monthly for minimum- and full-coverage auto insurance policies with bad credit.
| Provider | Average Minimum-Coverage Rate for Poor Credit | Average Full-Coverage Rate for Poor Credit |
|---|---|---|
| West Bend Mutual | $60 | $278 |
| USAA | $62 | $258 |
| Geico | $67 | $237 |
| Erie | $80 | $338 |
| Country Financial | $109 | $287 |
| Progressive | $98 | $300 |
| Travelers | $104 | $259 |
| National Average | $117 | $302 |
| Nationwide | $112 | $295 |
| Auto-Owners | $123 | $367 |
| Allstate | $140 | $351 |
| Farmers | $150 | $340 |
| AAA | $166 | $380 |
| American Family | $219 | $335 |
| State Farm | $228 | $328 |
Compare Car Insurance by Driving Record
At-fault accidents, DUIs and other marks on your driving record can raise your premiums because insurance providers will view you as a higher risk to insure. The good news is that, with time, these negative factors will fall off your record, and your rates can go back down again. The amount of time it takes for violations to be removed from your driving record depends on the state you live in, but it typically ranges from 1 to 5 years, based on our research.
See average rates from insurance providers for different driving record infractions below. Use the tabs to navigate.
A recent accident where you were at fault can increase your rates up to 37%, compared to the national average for a full-coverage auto insurance policy. If you have a minimum-liability policy, you could pay up to 58% more.
Purchasing accident forgiveness coverage can waive premium surcharges that come with an at-fault accident.
| Provider | National Average Monthly Minimum-Coverage Rate | National Average Monthly Full-Coverage Rate |
|---|---|---|
| USAA | $54 | $200 |
| West Bend Mutual | $49 | $232 |
| Auto-Owners | $71 | $253 |
| Erie | $62 | $235 |
| Geico | $77 | $268 |
| Travelers | $79 | $218 |
| State Farm | $80 | $239 |
| Country Financial | $100 | $271 |
| Progressive | $95 | $287 |
| National Average | $99 | $281 |
| Nationwide | $122 | $316 |
| Farmers | $139 | $336 |
| AAA | $131 | $346 |
| Allstate | $160 | $371 |
| American Family | $142 | $275 |
A speeding ticket can increase your rates up to 32% for minimum coverage compared to the national average, and around 21% for full coverage.
| Provider | National Average Monthly Minimum-Coverage Rate | National Average Monthly Full-Coverage Rate |
|---|---|---|
| USAA | $45 | $171 |
| West Bend Mutual | $42 | $193 |
| Erie | $47 | $192 |
| Geico | $59 | $216 |
| Auto-Owners | $65 | $236 |
| Travelers | $70 | $201 |
| Country Financial | $88 | $248 |
| State Farm | $76 | $224 |
| Progressive | $83 | $259 |
| National Average | $83 | $248 |
| Allstate | $110 | $296 |
| Nationwide | $101 | $255 |
| Farmers | $118 | $318 |
| AAA | $120 | $359 |
| American Family | $124 | $275 |
A DUI will likely raise your rates more than any other type of infraction. Compared to national average costs, drivers with a DUI will pay 47% more expensive for full coverage and 83% more expensive for a minimum-coverage policy than drivers with a clean record.
Keep in mind that a DUI conviction can stay on your driving record permanently and increase your car insurance premium for up to 10 years.
| Provider | National Average Monthly Minimum-Coverage Rate | National Average Monthly Full-Coverage Rate |
|---|---|---|
| USAA | $74 | $271 |
| West Bend Mutual | $53 | $249 |
| Progressive | $83 | $252 |
| Country Financial | $103 | $283 |
| State Farm | $83 | $219 |
| Travelers | $89 | $226 |
| Erie | $86 | $263 |
| Auto-Owners | $108 | $348 |
| Geico | $111 | $324 |
| National Average | $115 | $301 |
| Allstate | $142 | $331 |
| Farmers | $152 | $365 |
| American Family | $156 | $322 |
| Nationwide | $165 | $396 |
| AAA | $191 | $434 |
A texting-while-driving violation could increase your average auto insurance rate by 31% for minimum-liability coverage and 20% for a full-coverage policy.
The actual legal offense for texting while driving is called “distracted driving” and can raise your premiums for the preceding three to five years.
| Provider | National Average Monthly Minimum-Coverage Rate | National Average Monthly Full-Coverage Rate |
|---|---|---|
| USAA | $44 | $170 |
| Auto-Owners | $49 | $188 |
| West Bend Mutual | $42 | $193 |
| Erie | $46 | $189 |
| Geico | $57 | $203 |
| Country Financial | $88 | $248 |
| State Farm | $73 | $223 |
| Travelers | $76 | $215 |
| National Average | $82 | $246 |
| Progressive | $84 | $262 |
| Allstate | $110 | $295 |
| Nationwide | $100 | $253 |
| AAA | $106 | $339 |
| Farmers | $128 | $335 |
| American Family | $122 | $267 |
What Is an SR-22 Form?
An SR-22 form is sometimes referred to as a “financial responsibility form.” Most state motor vehicle departments require an SR-22 for high-risk insurance policies. You may be required to have an SR-22 form if you’ve had your license suspended or revoked, been caught driving without insurance or have serious or multiple infractions on your driving record. In Virginia and Florida, serious violations like a DUI require an FR-44 form, which is similar.
Minimum vs. Full-Coverage Car Insurance
Minimum-coverage policies ensure drivers meet their state’s minimum auto insurance requirements, which include liability coverages for bodily injury and property damage. Where state law requires more insurance, minimum-liability policies may include uninsured/underinsured motorist coverage, personal injury protection coverage or both.
Minimum-coverage insurance is the cheapest coverage you can buy. These policies keep you in compliance with state laws and cover damages to other parties in an accident where you’re found at fault. However, carrying only minimum coverage leaves you at serious financial risk in the event you cause an accident and sustain injuries or damage to your vehicle.
Full-coverage policies, on the other hand, cover much of that risk. These policies include comprehensive and collision coverage alongside liability and other required insurance. While full coverage costs more, this insurance protects both your assets and other parties in an accident you cause.
How To Choose Between Minimum and Full Coverage
Minimum coverage might be right for you if:
- It’s all you can comfortably afford
- Your vehicle’s old age doesn’t justify the extra expense of full coverage
- You drive fewer than 500 miles per month
- You mostly use public transportation or rideshare services
You should strongly consider full coverage if:
- Not having access to a vehicle would negatively impact your life
- You can’t afford to replace your vehicle if it’s totaled
- You live in an area with elevated risks such as high accident or theft frequency, severe weather, wildfires or a high rate of uninsured motorists
- You don’t have the cash to pay for repairs out of pocket
- You want the peace of mind that comes from reducing your financial risk
Many lenders require you to have full coverage on your vehicle if you’re financing it. Full coverage is also typically required when you lease a vehicle.
Frequently Asked Questions About Comparing Car Insurance Quotes
Below are some frequently asked questions about comparing car insurance quotes.
Based on a standard driver profile in 2025, Progressive, Farmers and Farm Bureau typically offer the cheapest car insurance rates among national providers. However, car insurance quotes are unique to individual drivers, so the cheapest rates for you may come from a different provider.
Middle-aged drivers with good credit scores and clean driving records typically pay the cheapest rates for car insurance.
To get the best deal on car insurance, periodically check to see if there are any discounts you qualify for. It also helps to maintain a clean driving record.
Our Methodology: How We Collect Car Insurance Quotes
We based our national rankings on the average car insurance costs of a 35-year-old driver with good credit and a clean driving record for both minimum and full coverage. Coverage for liability estimates are based on minimum requirements in each state, and full-coverage estimates are based on a 50/100/50 policy that includes:
- $50,000 in bodily injury coverage per person
- $100,000 in bodily injury coverage per accident
- $50,000 in property damage coverage per accident
- $500 deductible
In the spirit of quality control, we filtered out insurance providers that don’t meet the standards we uphold for our readers. Every company you see mentioned in this article has been thoroughly researched, evaluated and approved by our insurance researchers.
We also included only providers that operate in 15 or more states and received an overall rating of at least 4.2 out of 5 in our industry-wide review. Providers with limited eligibility, such as USAA, were excluded from our rankings.
*Data accurate at time of publication.
