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Car insurance quotes estimate the cost for a policy with your selected coverage. Rates vary based on several factors, including your vehicle type, driving history, coverage and the insurance company. Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 01, 2022 Get free car insurance quotes Find your perfect policy. Answer a few questions to get custom online quotes in minutes. Your information is secure Get my quotes Find great rates from trusted carriers + MORE How it works Caret Down Share some details to get offers To provide the most accurate quotes, we'll need some info about you and your vehicle. We only ask if we know it impacts your rate. Choose the best policy that fits your needs Explore your offers from top carriers and select as many as you'd like to move forward. Nail down your rate and policy details Once you're satisfied with your chosen carrier, finish up the process by phone or online. Easy peasy. Book What to know first Menu List On this page Bankrate logo The Bankrate promise At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC Editorial Integrity
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Bankrate's editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you're reading an article or a review, you can trust that you're getting credible and dependable information. How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life's financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We're transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Insurance Disclosure
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
What are car insurance quotes
A car insurance quote is an with a specific carrier based on your chosen coverage and driver profile. When shopping for car insurance, every carrier will prepare one for you as a proposal of coverage and cost, and it will be personalized to your individual characteristics, like years of driving experience, location, annual mileage and more. Having a quote in hand makes it easy to across more than one carrier, and allows you to see the difference in optional coverage, discounts and price offered by each company. Getting a car insurance quote doesn't mean you're obligated to buy insurance from that company. Instead, it's a chance to consider the coverage and compare quotes to find the best car insurance for you. Keep in mind that the quoted premium is typically not the actual final policy cost and it could still change when you purchase the policy after the insurer's underwriting process is complete. This may happen if additional personal, driving record or claims history information is found. It's best to provide as much information as you can up front when requesting quotes to ensure a more accurate price. Clock Wait 47 years of industry expertise Search 122 carriers reviewed Dollar Coin 2M quotes analyzed Location 34.5K zip codes examined Key takeaways Exploring different carriers and requesting free car insurance quotes ensures you find the cheapest car insurance with the coverage you want. Your driving history is analyzed when it comes to determining your rate. Any moving violations, at-fault accidents and DUIs can impact your final premium. Knowing how much coverage you need - and what optional coverage to include - helps build a car insurance policy tailored to your budget and risk level. If you're unsure where to start, talking to an agent can help. What can affect my car insurance quotes
A wide range of are used by insurers to calculate your insurance quote. Some of these include: Age and gender
The of a driver often play an important role in determining car insurance rates. Demographic groups that are shown to engage in riskier driving behaviors, such as young drivers, male drivers and senior drivers, typically face higher rates. However, using age and gender as a component of car insurance rates is not allowed in some states. Massachusetts and Hawaii ban the use of both age and gender, while California, Michigan, North Carolina and Pennsylvania do not use gender when calculating car insurance premiums. Driving history
The average annual full coverage rates below from different car insurance companies show how premiums may change after an incident; your individual rate may be higher or lower depending on your car insurance rating factors. Incidents will typically impact your premium for three to five years, but usually will lessen in premium surcharge with each passing year. Clean record Speeding ticket At-fault accident DUI conviction National Average $1,771 $2,138 $2,521 $3,421 $2,389 $2,912 $3,453 $5,146 $1,297 $1,586 $1,900 $3,196 $1,561 $2,030 $2,507 $2,049 $1,397 $1,606 $1,769 $2,293 $1,447 $1,869 $1,975 $2,783 $1,313 $1,464 $1,742 $2,313 *based on full coverage
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. The above quoted average annual premiums for full coverage are calculated by evaluating our 2022 base profile with the following incidents applied: clean driving record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Location
also plays a role in your car insurance premium. For example, cities may be more congested than rural areas and also have higher costs of labor and parts when it comes to repairing a vehicle after an accident. While almost all states permit the use of ZIP code in determining car insurance rates, Michigan does not and California limits the ways insurers can use it.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Credit score
Credit score, or more accurately, your , can be used by insurance companies in many states to predict the risk of claims being filed in the future. People with a lower credit score may be more likely to file claims compared to those with a higher credit score, according to actuarial studies conducted by the Because of this added risk, insurance companies may charge a higher premium to insure a driver with a lower credit-based insurance score. California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as a rating factor in car insurance. Credit Tier Average annual rate* Excellent $1,556 Good $1,771 Average $1,907 Poor $3,002 *based on full coverage
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. These 2022 rates were calculated based on the following insurance credit tiers assigned to our drivers: "poor, average, good (base) and excellent." Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit insurers from using credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. Vehicle
The you drive also plays an important role in your car insurance premium. Luxury vehicles tend to have high premiums, due in part to expensive repair costs for labor and parts. Technology-based safety sensors can make your car safer, for instance, but may actually drive your premium up because they are so expensive to repair or replace. Contrary to popular belief, economy cars may not always result in the cheapest premium either. Because so many of them are on the road, it's more likely that they will be involved in an accident or be targeted for vandalism and theft. How to shop for car insurance quotes
Talk with an insurance agent if you have questions
Collect your personal and vehicle information
Submit this information to your agent or an online quote generator
How do I get the cheapest car insurance quote? The first step to getting a car insurance quote is to request a quote online or contact an agent. Both processes are generally the same. You'll share some information about yourself and pick the coverage levels and options that you want, which the company will then use to prepare your car insurance quote. If you don't know what coverage types you want or need, an agent can make recommendations based on your information. Since car insurance depends on your personal rating factors and coverage needs, you'll need to shop around with multiple different companies to find the cheapest car insurance quote for you. To help narrow your search, you may want to prioritize what you are looking for in a company. For instance, you might need or . This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. What documents do I need to prepare
In addition to gathering personal and vehicle information, it can help to have a few other documents on hand, such as: Basic driver information: You will need some basic driver information to get a quote, such as the birthdates of all listed drivers, address, occupation and sometimes, education level. Driving history: To get the most accurate car insurance quote, you need to declare any tickets or accidents you or any listed driver have received during a certain timeframe, usually between three and five years. If you don't advise the quoting company of driving activity, your quoted premium could be artificially low. If you move forward with the purchase, the company will then pull your motor vehicle report (MVR) and comprehensive loss underwriting exchange (CLUE) reports. If they find any undeclared activity on these reports, the company will adjust your rate based on your increased risk. Vehicle usage: The quoting company will probably ask how you use your vehicle. For instance, they may want to know if you drive your car back and forth to work and, if so, how many days a week. They will probably also want to know your estimated annual mileage. Current policy declarations: If you already have car insurance, it's important that you compare any new quote with your current coverage. This will help the agent ensure they can prepare an accurate quote for you with similar coverage levels and options. If you're getting a quote online, knowing what your current policy declarations are can also help to ensure that you aren't accidentally choosing less coverage or a higher or lower deductible than what you already have. Vehicle registration or purchase agreement: Although you can usually get a quote without it, you will want your (VIN) handy to get the most accurate quoted premium. Once you're ready to purchase your policy, you may be asked to provide the vehicle's current registration and odometer readings. If you're buying a new vehicle, you can share the purchase agreement once you've received it. Documents for discount verification: If you are eligible for any discounts that require verification, such as a professional or organization membership, you may need to share proof to add the discount to your policy. Or, if you have a young driver on your policy who qualifies for a , the company may request a recent transcript to verify their GPA. How do I get free car insurance quotes
All car insurance quotes are free whether you obtain them online or work with an insurance agent. Below is a brief guide on and what each method looks like: Shop for auto insurance online
Many companies now allow customers to quote a car insurance policy online through their website. After providing some personal information, you can then select the coverage types and limits that you want. Some companies may let you start the policy immediately with a payment, while others may finish the process by having one of their representatives call you over the phone. Online car insurance quotes Starting a car insurance quote online might be ideal for drivers with an intermediate knowledge of insurance and who are not in a complex situation. You may be the only driver on the policy, for example, or may be insuring one vehicle and already know what liability limits, deductibles and add-on coverage you want. Contact a captive insurance agent
A captive insurance agent, sometimes also called an "exclusive" or "dedicated" insurance agent, is an insurance agent that works on behalf of only one insurance company. This type of agent only sells the insurance products their company offers, but will have a strong knowledge of the company's underwriting guidelines and . They earn a commission based on performance and don't charge additional fees for their service. Captive insurance agents Many major car insurance companies, such as State Farm, Allstate and Farmers, operate through captive insurance agents. This means that there are local agencies nationwide that can help not only with car insurance, but also creating an entire insurance plan. If you want personalized service from a major car insurance company, working with a captive agent could be the best strategy. Work with an independent insurance agent
In contrast to a captive agent, who represents a single insurance company, an represents multiple carriers. They are also commonly referred to as brokers. An independent agent will shop for your coverage selections with different carriers they represent to provide you with comparable quotes. Independent insurance agents Many major car insurance companies, such as State Farm, Allstate and Farmers, operate through captive insurance agents. This means that there are local agencies nationwide that can help not only with car insurance, but also creating an entire insurance plan. If you want personalized service from a major car insurance company, working with a captive agent could be the best strategy. Frequently asked questions
An important part of shopping for car insurance is knowing . Some things to consider are how much you can comfortably pay for your deductibles if you want comprehensive and collision coverage, as well as your overall financial situation to figure out your liability amounts. Once you know this, it may be beneficial to try to make sure all chosen coverage and limits, as well as , are identical in all your quotes. This will ensure that you can compare carriers fairly and that you're not accidentally choosing a cheaper option with less coverage. Additionally, it's important to be accurate when providing information for your car insurance quote. Providing could give you a highly inaccurate premium estimate, and you will need to provide detailed information to receive a final quote and bind the policy.
As a trusted name in the financial services sector since 1976, Bankrate began as a print publication geared towards bankers and those in the banking industry. Since our inception, we've expanded our expertise, and today, Bankrate's insurance editorial team includes four licensed agents with real-world experience across multiple property and casualty products. We use a mix of proprietary rate data and third-party scoring to bring you accurate, helpful and easy-to-understand information that you can use to find the best car insurance company to fit your needs.
The at any time is constantly changing, partially due to , but also because it still largely depends on a driver's individual rating factors. Every car insurance company weighs these factors differently and has its own algorithm for determining rates. Because of this, it may benefit you to reach out to more than one company when . This may help you get an idea of how much car insurance will cost for you and which carriers may be cheaper than the rest.
starts during the quoting process. As you gather quotes, it may be helpful to request quotes for the same levels of coverage and deductibles from each carrier. This allows you to accurately compare the quotes and make sure that the cheaper options aren't giving you less coverage, and vice versa. By getting a range of quotes for the same coverage and , you'll also be able to judge how impactful the discount opportunities are on the premium.
The age of a vehicle is factored in when companies are calculating car insurance rates, but a newer car won't always be more expensive than an old car (and vice versa). For example, a newer car may have a better safety rating, lowering its risk of accidents, but may also have expensive repair costs and a higher value compared to an older car. This would mean that the insurance company would likely pay out more for claims on the newer vehicle. On the other hand, an older car might have a lower value, but have less safety features and may have parts that are difficult and costly to source. In the end, the cost of will still depend heavily on its make and model. When purchasing a car, be sure to request multiple auto insurance quotes so you get an understanding of how much insurance will cost. You may even want to do a little research on estimated insurance and repair costs for different makes and models before you buy a car.
There are a number of strategies when trying to . One way is to start with your current policy. Are there any discounts missing and is your annual mileage accurate? Are you ? In terms of coverage, you could also adjust your deductible for and to a higher amount, although you may only want to consider this option if you're able to comfortably pay a higher deductible out of pocket. Some companies also offer that offer rewards and discounts based on safe driving habits.
A car insurance quote can be obtained almost instantly, especially if you have all of your personal and coverage information ready to go. Calling or visiting a local agent may allow you to quote and bind a policy immediately. If you prefer to get an online quote, keep in mind that some carrier websites will generate an estimated premium, but you may still need to speak to a representative over the phone to finalize the policy.
It is free to get an online car insurance quote. Some companies may allow you to pay and bind the policy immediately by making a payment, while others may require you to speak with a customer representative first. Compare rates and save on auto insurance today! Get quotes Close X Written by Carol Pope Insurance Writer Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.