Comparison shopping is crucial if you want to save money on car insurance. Here’s why: Insurers look at similar factors, but they have their own “secret sauce” when it comes to setting rates. So two companies can charge wildly different rates for the same driver.

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.

That’s why every year, NerdWallet analyzes car insurance rates for men and women with various 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.

Car Insurance Rates – What You Need to Know?

Each insurance company evaluates personal factors in its own way, and they keep its 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 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.

Drivers around the age of 25 typically get higher 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

Why You Should Choose Best Car Insurance with High Credit Score

Here are some of the key benefits of getting car insurance quotes online.

  1. You can compare car insurance companies
  2. You can get familiar with different types of coverage
  3. You can get a look at insurance pricing
  4. It can save time
  5. You could potentially save money

Car Insurance Compare with Credit Score

There are many companies that offer auto insurance but they aren’t all alike in terms of the coverage they offer and the rates they charge. Getting car insurance quotes online can give you a snapshot of what’s available at any given time.

Specifically, you can see which companies offer car insurance services locally and in your state. You can then compare one car insurance provider to another to help you narrow down the field when choosing a car insurance policy. Visit Credible to compare auto insurance companies and get quotes within minutes.

Car Insurance Compare with Other Companies

There are different types of car insurance you can choose from. The options include:

  • Bodily injury liability coverage (which covers injuries to people involved in an accident)
  • Property damage liability coverage (which covers things like glass replacement and other damage to your vehicle)
  • Collision coverage
  • Comprehensive car insurance
  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Personal injury protection

Again, you’re required to have minimum amounts of bodily injury and property damage liability coverage in every state except New Hampshire. But you may be required to have some of the other coverage types listed here included in your auto insurance policy, depending on where you live. You also may need to include multiple options in your car insurance policy if you want full auto coverage. Getting car insurance quotes online can help you better understand what’s required car coverage and what’s optional.

It’s important to compare several auto insurance companies, as well as their coverages, before signing up for a policy. Credible’s car insurance marketplace can help with this process.

List of Cities for Compare

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

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.

Pricing for Car Insurance

Car insurance generally has two specific costs to understand: premiums and deductibles. Your premium is what you pay to have coverage; the deductible is what you pay if you have to file a claim.

Online car insurance quotes can help you get a feel for pricing so you can better estimate your car insurance payment. What you pay for a car insurance monthly payment can depend on the coverage types included in your policy, your coverage amounts and your driving history.

Remember, you need to have an insurable interest in a vehicle you plan to get coverage for. That means if the car isn’t in your name, you may be limited to a non-owner insurance policy. This type of car insurance policy covers you if you drive someone else’s car from time to time.