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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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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We match you with top insurance companies and estimate how much you’ll pay at each
Compare rates side-by-side to find the best rate for the right coverage
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.Â
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.
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.Â
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.Â
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.
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.
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.
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.
| 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.Â
Comparing car insurance has never been easier.
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. Â
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.  Â
Don’t give all your personal contact information to sites that will resell it. Rate Retriever uses only 5 questions to match you with leading providers who can help you find the best rates. Â
Car insurance companies determine how much they charge you based on your driver profile. Factors that can impact your rates include:Â
Read more about the factors that impact your car insurance rateÂ
Switching your car insurance is easy, even if you are in the middle of your current policy.
Here are some helpful tips to consider to switch your car insurance:
The answer to this question depends on where you live and what you would like to cover.
Each state has its own minimum requirements on the type and amount of insurance needed. When you’re trying to determine what and how much car insurance you need, you can start by reviewing your state’s requirements.
Find out what’s required in your stateÂ
Once you review your state’s minimum requirements, you may find that you want additional coverage. For example, sometimes owners of new cars want comprehensive coverage to insure their car from natural disasters and vandalism, even though comprehensive coverage isn’t required by their state. To figure out what insurance you want, you can review the different types of insurance to decide what makes the most sense for your situation. Â
The biggest difference between Rate Retriever and other comparison sites is that we are a free and impartial research tool NOT an insurance marketplace.​ This means you can’t purchase a policy directly through RateRetriever.com, but you can use our tool to independently research your options and seamlessly connect with the provider you choose.
Unlike other insurance comparison sites, we:
We like to think that Rate Retriever is your insurance companion, not just another insurance comparison site. Our values guide everything we do, which is why we strive to offer transparent, trustworthy insurance tools.
There are many ways you can try to get cheaper car insurance. The first is simply to get quotes from multiple providers. This will help you determine if you’re currently receiving the cheapest rates based on your needs and driver profile. Rate Retriever makes the comparison process easy.
Sometimes, the reason your car insurance is so expensive is due to your driver profile. For example, drivers under 20 years old usually pay more for insurance than more experienced drivers, and drivers with a recent at-fault accident or traffic violation typically pay more.
There are ways to lower the cost of your insurance such as taking a defensive driving course. Check with your provider to see if there are any discounts you qualify for or can reasonably earn.
Rate Retriever works with national and local insurance providers to provide our users with a seamless insurance shopping experience. We may earn a commission from our insurance provider partners when you click on a link, call, or purchase a policy from one of the providers listed on our site. That said, we’re committed to providing you with accurate, bias-free information, and we do not allow our partnerships to limit the results or influence the information we share with you. Â
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We do not sell your personal information, charge you for using our tools, or sell you insurance policies. Additionally, should you choose to purchase a policy from one of our partners, the price you pay will not be adversely affected.Â
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