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See how much car insurance costs at all the top companies near you

Numerous factors impact the price you pay for car insurance including where you live, who you are, and what car you drive. Each car insurance company determines their rates differently, so one of the best ways to know what policy is right for you is to compare quotes from multiple companies.

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2 in 5 Americans overpay for car insurance - do you?

One way to know you’re getting the best price for your car insurance is to compare quotes from a handful of the leading providers regularly Rate Retriever makes this easy: based on your driver profile, we’ll match you with top providers who can help you find the best rates.

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Only tell us about factors that have the biggest impact on your rates. No phone number or email required

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We match you with top insurance companies and estimate how much you’ll pay at each

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Compare and save

Compare rates side-by-side to find the best rate for the right coverage

Search for car insurance how you want to:

Compare and research car insurance based on information best suited for your needs.

Car insurance by state:

The national average cost of car insurance is $1,824 annually. This price varies from state to state due to differences in state laws, population, geography and more.

On average, the least expensive state to insure a car is Vermont while the most expensive state is New York. 

No matter what specific car insurance requirements and regulations have been set forth by your state, we understand how overwhelming it can sometimes feel. Familiarizing yourself with these mandates and the minimum coverage needs of your state is crucial when it comes to feeling confident in selecting your insurance plan, and we are here to help you do just that.

Most states require liability insurance, which helps cover medical costs and property damage for the other party in an accident that you cause. Nonetheless, the minimum thresholds for these policies vary from state to state, and some states necessitate additional coverage beyond liability insurance.

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Average car insurance rates by state

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Car insurance by age:

Insurance providers will factor in your age when calculating your premiums. Because young drivers have less experience on the road, they typically face higher car insurance costs compared to their older counterparts, with teenage drivers usually paying the most. 

Assuming you have a clean driving record, you can expect your insurance premium to decrease every year until the age of 25, when rates tend to level out. Rates usually continue to decline gradually until around age 55. Individuals in their late 50s generally enjoy the lowest rates, while the average driver over 60 tends to see their rates rise slowly each year.

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How age affects your car insurance rates

Car insurance by vehicle:

Depending on if you’re cruising in a sleek sports car, rolling in a family-friendly minivan, or driving anything in between, your insurance rates will be impacted by the kind of vehicle you drive.

As a general rule of thumb, vehicles with higher value will cost more to insure. This is why luxury brands and newer vehicles are generally more expensive to insure than economy or used cars.

Additionally, if it’s more expensive to repair your car than others, you will pay more. This is why electric vehicles are usually more expensive to insure than their gas-powered counterparts, and why higher trim levels with more features may cost more than the base model.

On average, the Subaru Outback is the cheapest vehicle to insure among popular 2023 models, while the Tesla Model S is the most expensive.

Cheap car insurance options:

Auto insurance premiums depend on the location, vehicle, and driver, so the cheapest car insurance company for you can be different than the cheapest for your friend or neighbor.

If you have incidents on your driving record, low credit, or just added a driver to your policy, it may seem daunting to find cheap car insurance for you. While there are budget options available, the best way to find the cheapest company for the right amount of coverage is to compare pricing at all companies near you.

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Car insurance by company:

The most dependable method to discover the best car insurance company is through quote comparisons. Collect personalized cost estimates from different insurers to assess policies and pricing. Additionally, consider factors like customer satisfaction scores and reviews for each company.

Lastly, remember to get quotes from local providers too.

See the best insurance companies >

Company Average Annual Premium
USAA 1,457
Progressive 1,497
Nationwide 1,602
Geico 1,669
Auto-Owners Insurance 1,698
Travelers 1,818
State Farm 1,967
Farmers 2,476
Allstate 2,504

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

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Every insurance company has its own way of determining your car insurance rate. Comparing quotes from multiple providers is one of the best ways to find the cheapest rate.  

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When comparing car insurance policies, don’t just look at the base price. Evaluating the policy limits and reading company reviews can help you determine which policy is actually best for you.   

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