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Compare car insurance rates in November 2022

Bankrate's licensed insurance agents walk you through comparing car insurance quotes with this comprehensive, step-by-step guide. 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. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. 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 Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! 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

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Bankrate s guide to comparing car insurance rates

It may be more crucial than ever to ensure you have the right amount of car insurance. With potentially leaving drivers underinsured and an estimated of all drivers driving without insurance, getting into an accident could quickly cause your out-of-pocket costs to skyrocket.

What are car insurance rates and how do they work

Although "rate" and "premium" are often used interchangeably to refer to the cost of a car insurance policy for a customer, they are not quite the same. A car insurance rate is a unit of cost that an insurance company calculates based on , such as driving record and location, to determine a driver's risk and the cost of insuring them. After determining a driver's rate, car insurance companies also consider a driver's selected coverage options and limits to calculate the estimated premium. The premium is what a customer would pay for coverage during the policy term, which is usually six or 12 months. Why are car insurance rates so different? Car insurance companies look at more than a dozen personal rating . Some of these factors could include your ZIP code, the type of vehicle you drive, your driving history, your credit score, your age and your gender. Additionally, each driver has their own needs when it comes to coverage packages. Some drivers are less risk-averse and choose to carry state minimum coverage. Others may want the most robust package they can afford. As such, car insurance is like a fingerprint - each person's quote will be different from the next's.

Our car insurance rates methodology

Clock Wait 47 years of industry expertise Search 122 carriers reviewed Dollar Coin 2M quotes analyzed Location 34.5K zip codes examined 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. 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.

Car insurance rates by age

Age is another component that insurers typically use to calculate car insurance rates. When analyzing premiums of , young drivers under the age of 25 typically face more expensive premiums compared to adults. This is seen in the rate tables below for drivers ranging from 16 to 70 years old. The difference in premium is driven largely in part to their lack of experience compared to older drivers, which may result in more dangerous driving behaviors. Hawaii and Masssachusetts do not allow insurers to use age as a rating factor. Bankrate has compiled age-related data from several carriers based on 2022 rates pulled from Quadrant Information Services to give you an idea of how much you might pay at different points in your life.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates were calculated by evaluating our 2022 base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Rates for 18-year-olds are based on a driver of this age that is a renter (not a homeowner) and on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Car insurance for teen drivers

are inexperienced, which can lead to a greater likelihood of accidents. In fact, the Centers for Disease Control and Prevention (CDC) reports that teens have a than any other age group. Because of this, teens typically cost more to insure than older drivers. Bankrate found that, depending on your teen's age, major insurers like Geico, Nationwide and USAA tend to have lower average rates. When getting quotes, car insurance companies will ask the age of every licensed driver that will be listed on the policy. This is important information to help insurers assess your household's risk. Even adult motorists who recently got their driver's license are inexperienced on the road, which can result in higher premiums for several years. If you have a teen who has a learner's permit and is about to get their driver's license, including them in your quote as a licensed driver may help you understand what your policy will actually cost once they get their license. This will help you avoid surprises about the policy's cost later down the road. Caret Down 16-year-olds 17-year-olds 18-year-olds 19-year-olds CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 16-YEAR-OLDS* $4,143 $2,181 $1,824 $2,053 $2,885 $2,194 $3,293 $2,949 $2,060 $3,026 *16-year-old rate reflects the added cost of a teen on their parents' full coverage policy. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 17-YEAR-OLDS* $3,969 $3,383 $2,586 $2,712 $2,629 $2,151 $3,324 $2,640 $3,061 $2,404 *17-year-old rate reflects the added cost of a teen on their parents' full coverage policy. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 18-YEAR-OLDS* $6,538 $3,383 $2,586 $2,712 $2,629 $2,151 $3,324 $2,640 $3,061 $2,404 *18-year-old rate reflects the cost of being on their own separate policy. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 18-YEAR-OLDS* $5,635 $3,785 $2,940 $3,497 $3,122 $3,889 $3,788 $3,048 $4,062 $2,672 *19-year-old rate reflects the cost of being on their own separate policy.

Car insurance for drivers in their 20s

Drivers in their 20s will begin to see their premiums decrease, especially after age 25. Keep in mind that drivers in their early 20s will still see high average rates for full coverage car insurance if they own their own vehicle and are on their own car insurance policy as auto insurers consider them higher risk compared to older adults. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 20-YEAR-OLDS AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 25-YEAR-OLDS $5,406 $2,941 $3,282 $1,753 $2,679 $1,692 $3,164 $1,719 $2,686 $1,521 $3,381 $1,621 $3,382 $1,940 $2,735 $1,637 $3,822 $1,657 $2,426 $1,585 *20-year-old rate reflects the cost of being on their own separate policy. 25-year-old driver rates reflect renters with a multiple policy discount.

Car insurance for drivers in their 30s

Drivers in their 30s will enjoy fairly low average annual full coverage car insurance premiums by age, as long as they maintain a clean driving record. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 30-YEAR-OLDS* $2,449 $1,544 $1,326 $1,539 $1,334 $1,435 $1,685 $1,433 $1,548 $1,356

Car insurance for drivers in their 40s

Drivers in their 40s with a clean driving record will see even lower average full coverage car insurance rates than their counterparts in their 30s. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 40-YEAR-OLDS* $2,438 $1,495 $1,305 $1,524 $1,297 $1,383 $1,397 $1,562 $1,447 $1,209

Car insurance for drivers in their 50s

Drivers in their 50s with a clean driving record and, in most states, good credit, typically enjoy the lowest average full coverage car insurance rates of any age group. This group statistically presents the lowest risk for insurers. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 50-YEAR-OLDS* $2,236 $1,425 $1,266 $1,385 $1,227 $1,284 $1,356 $1,435 $1,363 $1,145

Car insurance for senior drivers

Senior drivers, typically defined as age 60 and older, may see their car insurance rates begin to creep back up, although some insurers don't begin to adjust rates until you reach age 70. That is because statistically are at greater risk of being in an accident. , like decreased eyesight, can impair a driver and increase the risk of accidents. Based on our analysis, older adults may want to consider getting quotes from USAA, Erie and Auto-Owners for low-cost coverage as these carriers offer favorable rates for senior drivers. CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 60-YEAR-OLDS AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 70-YEAR-OLDS $2,208 $2,275 $1,462 $1,807 $1,178 $1,289 $1,289 $1,456 $1,216 $1,377 $1,189 $1,335 $1,382 $1,553 $1,285 $1,335 $1,325 $1,477 $1,132 $1,260

Car insurance rates by driving history

Keeping a clean motor vehicle record (MVR) is one of the best ways to avoid premium increases on your car insurance policy. Because car insurance rates are based on risk, generally pay more for coverage and may have trouble obtaining coverage from standard auto insurers. Insurers will review the driving history of all drivers on the policy by obtaining MVR and (which provides your auto claims history) so providing this information upfront will help ensure you receive an accurate quote.

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 and minimum 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.

Auto insurance rates after a speeding ticket

Speeding tickets are relatively common, but they can still be an indication of high-risk driver behavior. As such, a speeding ticket on your MVR increases average premiums by about 21% per year. On top of the , you may need to pay fines and even license and/or vehicle registration reinstatement fees, depending on the severity of your infraction. Speeding tickets can significantly affect your quotes. If your ticket has not been processed, meaning it is not yet listed on your MVR, your rate will be affected once that ticket is added to your driving record. A car insurance company may notice the change and charge more for a moving violation if your MVR is re-pulled, which usually happens at your policy's renewal. On the other hand, when tickets reach a certain age (time period varies by state and auto insurer, but typically ranges from three to 10 years), they may "fall off" your record. This means that the insurance carrier is no longer adding a surcharge for them, which can positively affect your rates and may be a good time to shop your coverage with other carriers. Full coverage Minimum coverage CARRIER AVERAGE FULL COVERAGE PREMIUM PRE-TICKET AVERAGE FULL COVERAGE PREMIUM POST-TICKET $2,438 $2,893 $1,495 $1,820 $1,305 $1,507 $1,524 $1,586 $1,297 $1,377 $1,383 $1,635 $1,561 $2,030 $1,397 $1,606 $1,447 $1,869 $1,209 $1,464 CARRIER AVERAGE MINIMUM COVERAGE PREMIUM PRE-TICKET AVERAGE MINIMUM COVERAGE PREMIUM POST-TICKET $558 $671 $444 $541 $325 $383 $550 $671 $365 $443 $549 $648 $542 $680 $456 $531 $477 $587 $354 $428

Full coverage Minimum coverage STATE AVERAGE ANNUAL PREMIUM PRE-TICKET AVERAGE ANNUAL PREMIUM POST-TICKET $1,760 $2,592 $1,770 $2,370 $1,743 $2,504 $1,806 $2,535 $2,190 $3,626 $2,019 $2,800 $1,533 $2,276 $1,963 $2,540 $2,762 $3,808 $2,009 $2,765 $1,206 $1,634 $1,065 $1,461 $1,533 $2,220 $1,242 $1,792 $1,254 $1,691 $1,802 $2,519 $1,954 $2,840 $2,864 $3,942 $876 $1,242 $1,931 $2,902 $1,296 $2,169 $2,345 $3,433 $1,692 $2,400 $1,701 $2,542 $1,893 $2,526 $1,795 $2,451 $1,538 $2,242 $2,426 $3,388 $1,182 $1,696 $1,891 $2,807 $1,489 $1,996 $2,996 $3,239 $1,392 $1,988 $1,225 $1,621 $1,200 $1,668 $1,902 $2,574 $1,371 $2,067 $2,002 $2,691 $1,847 $1,897 $1,464 $2,123 $1,542 $2,037 $1,383 $1,939 $1,868 $2,693 $1,449 $2,151 $1,000 $1,274 $1,347 $1,857 $1,313 $1,938 $1,948 $2,563 $1,527 $2,132 $1,246 $1,667 $1,510 $2,040 STATE AVERAGE ANNUAL PREMIUM PRE-TICKET AVERAGE ANNUAL PREMIUM POST-TICKET $443 $530 $417 $496 $579 $746 $437 $537 $619 $824 $495 $604 $646 $783 $747 $870 $997 $1210 $642 $776 $338 $378 $271 $316 $475 $604 $329 $414 $227 $268 $419 $507 $658 $848 $807 $996 $227 $266 $836 $1005 $446 $570 $946 $1121 $600 $739 $450 $544 $515 $602 $310 $376 $367 $434 $846 $1040 $324 $382 $855 $947 $347 $409 $1,339 $1,445 $431 $652 $268 $311 $336 $391 $408 $491 $625 $777 $441 $498 $569 $680 $518 $609 $274 $316 $372 $448 $551 $601 $544 $673 $242 $274 $483 $574 $482 $578 $613 $703 $427 $499 $363 $421 $262 $327

Auto insurance rates after an at-fault accident

Accidents on your MVR will typically increase your premiums. If you have caused one or more at-fault accidents, car insurance companies may view you as more likely to cause an accident again in the future and so your rates are raised accordingly. The table below shows average rates before and from several major car insurance companies. On average, rates increase 42% annually after an at-fault accident. It is important to note that even if you have accident forgiveness with your current insurer (meaning they won't raise your rate because of an at-fault accident), that accident will likely affect your quoted rates with other insurers, as it is included on your MVR. Accident forgiveness does not transfer between carriers and has to be earned or purchased with new providers. Full coverage Minimum coverage CARRIER AVERAGE FULL COVERAGE PREMIUM PRE-ACCIDENT AVERAGE FULL COVERAGE PREMIUM POST-ACCIDENT $2,438 $3,149 $1,495 $1,782 $1,305 $1,689 $1,524 $2,144 $1,297 $1,900 $1,383 $1,802 $1,561 $2,507 $1,397 $1,769 $1,447 $1,975 $1,209 $1,742 CARRIER AVERAGE MINIMUM COVERAGE PREMIUM PRE-ACCIDENT AVERAGE MINIMUM COVERAGE PREMIUM POST-ACCIDENT $558 $741 $444 $545 $325 $447 $550 $787 $365 $538 $549 $732 $542 $859 $456 $597 $477 $623 $354 $523

Full coverage Minimum coverage STATE AVERAGE ANNUAL PREMIUM PRE-ACCIDENT AVERAGE ANNUAL PREMIUM POST-ACCIDENT $1,760 $2,592 $1,770 $2,370 $1,743 $2,504 $1,806 $2,535 $2,190 $3,626 $2,019 $2,800 $1,533 $2,276 $1,963 $2,540 $2,762 $3,808 $2,009 $2,765 $1,206 $1,634 $1,065 $1,461 $1,533 $2,220 $1,242 $1,792 $1,254 $1,691 $1,802 $2,519 $1,954 $2,840 $2,864 $3,942 $876 $1,242 $1,931 $2,902 $1,296 $2,169 $2,345 $3,433 $1,692 $2,400 $1,701 $2,542 $1,893 $2,526 $1,795 $2,451 $1,538 $2,242 $2,426 $3,388 $1,182 $1,696 $1,891 $2,807 $1,489 $1,996 $2,996 $3,239 $1,392 $1,988 $1,225 $1,621 $1,200 $1,668 $1,902 $2,574 $1,371 $2,067 $2,002 $2,691 $1,847 $1,897 $1,464 $2,123 $1,542 $2,037 $1,383 $1,939 $1,868 $2,693 $1,449 $2,151 $1,000 $1,274 $1,347 $1,857 $1,313 $1,938 $1,948 $2,563 $1,527 $2,132 $1,246 $1,667 $1,510 $2,040 STATE AVERAGE ANNUAL PREMIUM PRE-ACCIDENT AVERAGE ANNUAL PREMIUM POST-ACCIDENT $443 $700 $417 $618 $579 $882 $437 $645 $619 $1,027 $495 $731 $646 $965 $747 $994 $997 $1,447 $642 $942 $338 $470 $271 $375 $475 $697 $329 $492 $227 $315 $419 $616 $658 $1,040 $807 $1,172 $227 $330 $836 $1,242 $446 $740 $946 $1,351 $600 $878 $450 $721 $515 $705 $310 $448 $367 $546 $846 $1,224 $324 $504 $855 $1,237 $347 $496 $1,339 $1,438 $431 $617 $268 $361 $336 $471 $408 $591 $625 $952 $441 $601 $569 $587 $518 $743 $274 $384 $372 $535 $551 $824 $544 $809 $242 $318 $483 $665 $482 $722 $613 $837 $427 $601 $363 $483 $262 $346

Auto insurance rates after a DUI

DUIs are among the most serious offenses that a driver can commit and come with an average annual premium increase of 93%, as well as the potential of a suspended license and registration, numerous fines and other penalties based on your state's regulations. They can also stay on your driving record for life in some states. Finding on your MVR may be much more difficult than it is with a clean driving record, as not all insurance companies will agree to insure such risky drivers. Full coverage Minimum coverage CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM BEFORE A DUI AVERAGE ANNUAL FULL COVERAGE PREMIUM AFTER A DUI $2,438 $3,556 $1,495 $3,998 $1,305 $2,648 $1,524 $2,617 $1,297 $3,196 $1,383 $2,557 $1,561 $2,049 $1,397 $2,293 $1,447 $2,783 $1,209 $2,313 CARRIER AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM BEFORE A DUI AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AFTER A DUI $558 $970 $444 $1,140 $325 $803 $550 $945 $365 $937 $549 $1,003 $542 $694 $456 $831 $477 $885 $354 $678

Full coverage Minimum coverage STATE AVERAGE ANNUAL PREMIUM PRE-DUI AVERAGE ANNUAL PREMIUM POST-DUI Alabama $1,760 $3,175 Alaska $1,770 $2,566 Arizona $1,743 $3,379 $1,806 $3,101 California $2,190 $5,230 Colorado $2,019 $3,324 Connecticut $1,533 $2,885 Delaware $1,963 $3,623 $2,762 $4,457 $2,009 $3,742 Hawaii $1,206 $4,828 Idaho $1,065 $1,756 Illinois $1,533 $2,859 Indiana $1,242 $2,255 Iowa $1,254 $2,344 Kansas $1,802 $3,007 $1,954 $3,539 Louisiana $2,864 $5,530 Maine $876 $1,577 $1,931 $3,530 Massachusetts $1,296 $2,465 $2,345 $6,241 Minnesota $1,692 $3,311 Mississippi $1,701 $2,789 Missouri $1,893 $2,844 Montana $1,795 $3,037 Nebraska $1,538 $2,689 Nevada $2,426 $3,942 New Hampshire $1,182 $1,897 $1,891 $3,511 New Mexico $1,489 $2,472 $2,996 $5,306 North Carolina $1,392 $5,714 $1,225 $2,313 Ohio $1,200 $2,209 Oklahoma $1,902 $2,833 Oregon $1,371 $2,411 $2,002 $3,717 Rhode Island $1,847 $3,095 South Carolina $1,464 $2,877 $1,542 $2,553 Tennessee $1,383 $2,811 $1,868 $2,805 Utah $1,449 $2,748 Vermont $1,000 $2,043 Virginia $1,347 $2,583 Washington $1,313 $2,385 Washington D.C. $1,948 $2,879 West Virginia $1,527 $2,914 $1,246 $2,197 Wyoming $1,510 $2,922 STATE AVERAGE ANNUAL PREMIUM PRE-DUI AVERAGE ANNUAL PREMIUM POST-DUI Alabama $443 $859 Alaska $417 $662 Arizona $579 $1,174 $437 $810 California $619 $1,438 Colorado $495 $901 Connecticut $646 $1,224 Delaware $747 $1,458 $997 $1,785 $642 $1,247 Hawaii $338 $1,456 Idaho $271 $481 Illinois $475 $941 Indiana $329 $657 Iowa $227 $461 Kansas $419 $776 $658 $1,356 Louisiana $807 $1,883 Maine $227 $433 $836 $1,447 Massachusetts $446 $844 $946 $2,575 Minnesota $600 $1,253 Mississippi $450 $827 Missouri $515 $836 Montana $310 $592 Nebraska $367 $657 Nevada $846 $1,524 New Hampshire $324 $652 $855 $1,517 New Mexico $347 $690 $1,339 $2,311 North Carolina $431 $1,768 $268 $498 Ohio $336 $669 Oklahoma $408 $652 Oregon $625 $1,133 $441 $871 Rhode Island $569 $1,047 South Carolina $518 $1,005 $274 $453 Tennessee $372 $797 $551 $878 Utah $544 $1,084 Vermont $242 $469 Virginia $483 $937 Washington $482 $920 Washington D.C. $613 $914 West Virginia $427 $804 $363 $696 Wyoming $262 $488

Car insurance rates by credit score

In most states, your credit tier will affect your car insurance premium. Generally, drivers with lower tend to file more claims and are thus viewed as a higher risk by carriers. California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as an auto insurance rating factor. Please note that Bankrate's overall average rates for a 40-year-old reflect a driver with a credit score in the 'good' range, so average rates for drivers with good credit are not highlighted here.

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 or restrict insurers from using credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. Caret Down Poor credit Fair credit Excellent credit CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT $3,239 $731 $2,255 $647 $3,182 $794 $2,579 $932 $1,791 $501 $1,928 $757 $2,820 $1,008 $3,584 $1,170 $2,251 $752 $2,317 $626 CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT $2,532 $579 $1,572 $466 $1,505 $381 $1,620 $585 $1,379 $388 $1,534 $612 $1,745 $601 $1,614 $529 $1,564 $521 $1,309 $380 CARRIER AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT $2,262 $518 $1,418 $425 $960 $238 $1,274 $455 $1,207 $341 $1,218 $483 $1,208 $429 $1,107 $355 $1,283 $425 $1,070 $317

Caret Down Poor credit Fair credit Excellent credit STATE AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT $3,117 $764 $2,451 $602 $3,118 $1,049 $3,646 $869 $2,190 $619 $3,355 $796 $2,880 $1,234 $3,280 $1,242 $5,477 $2,167 $3,172 $1,011 $1,206 $338 $1,755 $438 $2,455 $2,013 $539 $2,230 $395 $2,987 $695 $3,572 $1,155 $5,416 $1,510 $1,529 $409 $3,127 $1,337 $1,297 $446 $5,896 $2,205 $3,155 $1,144 $3,082 $797 $3,006 $839 $2,846 $484 $2,873 $663 $3,505 $1,196 $2,202 $603 $3,468 $1,546 $2,405 $562 $6,835 $3,368 $1,743 $523 $2,284 $483 $2,118 $561 $3,379 $744 $2,300 $1,068 $2,860 $630 $3,039 $924 $2,794 $919 $3,253 $545 $2,654 $688 $3,088 $893 $2,551 $918 $1,674 $407 $2,344 $810 $1,366 $499 $3,138 $982 $2,597 $704 $5,377 $1,480 $2,454 $389 STATE AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT $1,896 $482 $1,869 $444 $1,903 $631 $2,002 $486 $2,190 $619 $2,192 $537 $1,700 $716 $2,140 $816 $3,124 $1,120 $2,122 $682 $1,206 $338 $1,146 $293 $1,649 $1,337 $353 $1,393 $249 $1,942 $695 $2,148 $455 $3,147 $709 $949 $891 $2,094 $247 $1,296 $446 $2,644 $1,084 $1,849 $658 $1,859 $492 $1,995 $541 $1,889 $327 $1,702 $406 $2,569 $889 $1,320 $362 $2,087 $940 $1,570 $369 $3,339 $1,511 $1,439 $444 $1,375 $302 $1,304 $363 $2,067 $458 $1,494 $684 $2,115 $469 $2,098 $646 $1,600 $566 $303 $1,549 $421 $2,033 $605 $1,578 $595 $1,077 $265 $1,456 $515 $1,321 $485 $2,107 $661 $1,676 $467 $1,394 $400 $1,616 $277 STATE AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT $1,543 $382 $1,610 $369 $1,527 $506 $1,521 $361 $2,190 $619 $1,670 $412 $1,241 $525 $1,655 $627 $2,319 $812 $1,754 $551 $1,206 $338 $954 $241 $1,329 $408 $1,078 $285 $1,078 $196 $1,571 $366 $1,671 $553 $2,433 $687 $783 $202 $1,665 $733 $1,296 $446 $1,798 $716 $1,459 $503 $1,482 $389 $1,566 $423 $1,572 $270 $1,304 $313 $2,168 $760 $950 $251 $1,474 $676 $1,323 $303 $2,464 $1,083 $1,340 $416 $1,025 $223 $1,009 $283 $1,664 $368 $1,202 $544 $1,823 $396 $1,649 $498 $1,195 $428 $231 $1,192 $323 $1,620 $474 $1,224 $459 $885 $214 $1,113 $394 $1,296 $477 $1,751 $555 $1,301 $366 $1,040 $309 $1,264 $274

Car insurance rates by vehicle

One of the biggest premium rating factors for auto insurance is the type of vehicle you drive. Your vehicle's can impact everything from safety features to repair costs. The table below shows the average annual full coverage premiums for vehicles best suited to a broad range of lifestyles and budgets. On your quote, you may notice that your vehicle type affects your coverage costs. For example, collision and comprehensive costs may be higher on a vehicle with more expensive replacement parts than on a vehicle that has cheaper and more readily-available parts. The price of medical coverage may be partly based on the vehicle's safety features, which help protect you and any passengers in your vehicle. If you are shopping for a new vehicle, you may want to obtain quotes for each vehicle you consider purchasing, as they will have different rates. MAKE AND MODEL AVERAGE ANNUAL FULL COVERAGE PREMIUM AVERAGE MONTHLY FULL COVERAGE PREMIUM BMW 330i $2,270 $189 Ford F-150 $1,523 $127 Honda Odyssey $1,542 $129 Toyota Prius $1,924 $160

How to compare car insurance

Before you start the process of looking for car insurance, take some time to consider what's most important to you. Maybe you've outfitted your car with aftermarket parts and other customizations, and need specific coverage for this. Or maybe you have a child who's about to become a new driver and need competitive rates. Whether you're looking for endless coverage options or just basic coverage, understanding what you want will help guide you towards carriers that most closely fit those needs. Once you're ready to get started, here's how you can streamline the process:

1 Collect personal information

When you or over the phone, you'll likely share the same personal information. To streamline to process, be sure to have the following available: Driver information: You'll need the names, birthdays and driver's license numbers of all the drivers you would like to add to your quote. Vehicle information: At the very least, you will need to provide the makes and models of the vehicles you need to be covered. If you can, you may want to include your , as this information may provide you with a more accurate quote. Driving history: During the quote, the car insurance company may ask if any drivers have been in any accidents or received tickets within a specific timeframe. If you don't advise the company of past driving activity, your quoted premium may go up once the company reviews your driving records after you decide to purchase the policy. Usage information: The quoting company may ask to describe how you use your vehicle. For instance, they may want to know if you commute to work and, if so, how many miles it is one way. They may also ask for an estimated annual mileage.

2 Choose the right coverage levels

After you provide your personal and vehicle information, the company will ask you what you would like to include in your quote. When selecting your level of coverage, your individual needs and financial goals will dictate what coverage package is best for you. For instance, if you are , you will probably have to carry liability limits higher than your . Or, you may be a high-risk driver with an . Regardless of your selections, you may want to ask for similar coverage options on each quote to ensure you are conducting an apples-to-apples comparison.

3 Compare auto insurance quotes

After you've shared your information with the insurance company, you will receive back a proposal of coverage, or . This document gives an estimate of how much an insurance policy would cost with that carrier, and includes any you may be eligible for. When you receive quotes back, be sure that the coverage options and limits are exactly the same. This will help ensure you're comparing carriers accurately.

4 Evaluate company features and reputation

There are numerous insurance carriers on the market, which can make it difficult to choose from. Some are national carriers available in every state, while others are regional and only available to a select few states. Many third-party agencies, like AM Best and J.D. Power, regularly evaluate insurance carriers for financial strength, claims satisfaction and more. To help inform your decision, you can also rely on our Bankrate Scores, which look at a wide variety of criteria ranging from mobile app accessibility, customer service, availability, coverage options and more to help you learn more about an insurance carrier.

Frequently asked questions

While getting more than one insurance quote is helpful, at some point, it may be information overload. It can also be time-consuming to keep requesting car insurance quotes, which can happen if you're not strategic about which companies to quote from. Start with three carriers that you feel could most closely meet your needs, and then consider more if these options don't work for you.

The answer to this question will vary, as a single car insurance company can't be the perfect fit for every driver. In fact, in our annual Bankrate Awards, USAA and State Farm tied for best auto insurance company overall. While both have great strengths as car insurance carriers, they won't be the best fit for every driver. For example, USAA has strict eligibility requirements (coverage restricted to the military community) and State Farm does not offer gap insurance, which could be a priority for some drivers. When looking for the best car insurance, think about what matters to you so you can find a company that meets your expectations best.

In every state except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, your gender can affect how much you pay for car insurance. Men typically face more expensive premiums than women because data shows they may engage in riskier driving behaviors. A study from the Insurance Institute for Highway Safety showed that men in almost every age group were involved in than women in the same age demographic. As drivers age, gender tends to have less of an impact on car insurance rates. For instance, according to rate data provided by Quadrant Information Services, 18-year-old males pay 15% more for car insurance than 18-year-old females. By the time men and women reach age 70, however, gender may no longer have a significant impact on rates.

The answer to this question starts with understanding your own car insurance needs and priorities. Quality customer service, affordable rates or even optional coverage choices might be factors that are important to you. Not every insurance carrier can meet every need, so your priorities can help you narrow down the options to the insurance companies that best fit what you're looking for. Before obtaining quotes, it may benefit you to speak to insurance agents, friends or family who may be able to help you gauge which insurance company you want to move forward with.

Bankrate has been a trusted source of guidance since its inception in 1976 as the Bank Rate Monitor, a print publisher for the banking industry. Today, Bankrate helps millions of readers every month make informed financial decisions regarding insurance, mortgages, credit cards, loans and more. Additionally, our editorial integrity is of utmost importance - we vet our sources for accuracy and authority and utilize proprietary rate data provided by Quadrant Information Services. We are licensed agents, and our insurance editorial staff is committed to bringing you accurate, valuable, real-world information that you can use to compare auto insurance rates with confidence. 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. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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