Drew Gula is a NerdWallet authority on auto insurance. He previously worked as the senior content editor at Soundstripe and as the senior writer in Liberty University's marketing department. Drew is also a published author. He is based in Nashville, Tenn.
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Assigning Editor | Auto insurance, home insurance, other insurance
Lacie Glover spent more than five years covering health care costs and all types of insurance as a NerdWallet writer before becoming an assistant assigning editor in 2019 and later an assigning editor on the insurance team. As a writer, her work was featured in The Associated Press, The Motley Fool and U.S. News & World Report. Lacie is a NerdWallet authority on insurance products and loves data, analytics and solving SEO mysteries.
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Lead Writer | Small business, Insurance
Ryan Brady is a lead writer at NerdWallet and authority on small-business lending and insurance. Ryan enjoys simplifying complex finance topics to help small-business owners make smarter financial decisions. His work has appeared in TechCrunch, MarketWatch, Yahoo, Nasdaq and more.
Before joining NerdWallet, Ryan was a senior writer and principal researcher at Gartner. He is based in Fort Myers, Florida.
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Get the cheapest car insurance by comparing car insurance rates from multiple companies. Every carrier sets rates differently, which means two different insurers could offer completely different rates for the same driver. By taking the time to compare car insurance rates on NerdWallet, you could uncover substantial savings.
NerdWallet writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Read our criteria for evaluating auto insurance companies.
Shopping around and comparing car insurance rates from multiple insurers could potentially save you hundreds of dollars a year. Why? Each auto insurance company has their own unique way of pricing coverage, so one company could be far more expensive than another for the same driver. Simply put, the policy you have may not be the cheapest option out there, even for the same exact coverage.
While it may be tempting to go with the first insurer you get a quote from, the most effective way to shop is to compare quotes from a minimum of three insurers at least once a year.
You can use NerdWallet’s car insurance comparison tool to get matched with car insurance companies in your area. Simply input information like your age, vehicle type and driving history to get matched with insurers. You can also go directly to insurer websites for quotes, or work with an independent agent who can compare car insurance on your behalf. No matter the source, you will need to provide your personal data to get an accurate quote.
Here’s what to do to compare car insurance rates quickly, while still getting the right coverage for you.
To quickly and easily compare insurance online, you should have the following on hand:
Includes the address, date of birth, occupation, driver’s license and marital status of everyone you want included on the policy.
Including the mileage, date of purchase and vehicle identification number (VIN) for each car. If you haven’t purchased the car yet, have mileage, make, model and year handy.
Including all claims, violations and tickets you’ve had over the past five years, plus any completed driving courses.
Current or previous insurer’s name
For anyone on the policy or in your household. Some insurers won’t cover you without some coverage history, and if you want to exclude anyone living with you from the policy, you’ll need to prove they’re covered elsewhere.
Liability insurance protects you from paying out of pocket for any damage or injuries you cause in a crash, and it’s required to drive in most places. If expenses after a crash go above your liability limits, you’ll be responsible to pay out of pocket. If you don’t have enough cash on hand, you could face a lawsuit. With bills for property damage and injuries easily reaching hundreds of thousands of dollars, NerdWallet recommends you get liability limits high enough to cover your net worth .
Want to learn more? Read NerdWallet’s guide to liability car insurance .
Almost every state requires a minimum amount of car insurance to drive legally. If you work with an agent or comparison shop online, your state’s minimum car insurance requirements should automatically be included in your quote.
While liability insurance is almost always mandatory, some states also require uninsured and underinsured motorist coverage, personal injury protection or medical payments coverage. To learn more about what these are, read our guide to the most common types of car insurance .
Minimum coverage car insurance will always be the cheapest option, but you’ll likely be underinsured — especially if you cause a bad accident. In that case, you could be left having to pay (or face a lawsuit) for any damage or injuries you cause. If you’re unsure how much car insurance to get, read our guide on how much car insurance you need .
Full coverage car insurance is a term used for auto policies that include comprehensive and collision coverage. Combined, comprehensive and collision cover just about any damage to your own car after a wreck, regardless of who caused it, once you pay a deductible . If you have a loan or a lease on your vehicle, full coverage is probably required by your lender.
Full coverage policies are more expensive than simply buying your state’s minimum required policy. If you drive an older, less valuable car, though, it’s possible you don’t need full coverage. That’s because comprehensive and collision coverage only pay out up to your vehicle’s current market value, minus your deductible.
You should get car insurance quotes from at least three companies — ideally more. To be sure you’re getting the best deal, compare car insurance quotes from smaller, regional companies plus the big names, like Allstate, Geico, Progressive and State Farm.
To accurately compare quotes, ask the agent or company representative to find all discounts you’re eligible for. Plus, make sure you’re using the same coverage limits and deductible amounts for every company you get quotes from.
Frequently asked questions Where can I compare car insurance?You can compare car insurance on NerdWallet, going directly to insurer websites or by working with an agent.
Where can I get cheap car insurance?Start by reading NerdWallet’s analysis of the cheapest car insurance , and then compare rates online from companies that offer the cheapest rates in your state. You can also work with an independent agent, who can get quotes from a variety of insurers.
What’s the fastest way to compare car insurance?The fastest way to compare rates is likely to work with an independent insurance agent . They’ll be able to pull quotes from multiple insurers on your behalf, so you can compare each company to see which is best for you. However, they only work with specific companies and may leave out bigger names.
Which car insurance is best?The best insurance companies offer great customer service, a variety of coverage types to choose from, plus plenty of discounts and perks. You can read NerdWallet’s roundup of the best car insurance in the country to see our top picks.
Where can I compare car insurance?You can compare car insurance on NerdWallet, going directly to insurer websites or by working with an agent.
Where can I get cheap car insurance?Start by reading NerdWallet’s analysis of the
cheapest car insurance
, and then compare rates online from companies that offer the cheapest rates in your state. You can also work with an independent agent, who can get quotes from a variety of insurers.
What’s the fastest way to compare car insurance?The fastest way to compare rates is likely to work with an
independent insurance agent
. They’ll be able to pull quotes from multiple insurers on your behalf, so you can compare each company to see which is best for you. However, they only work with specific companies and may leave out bigger names.
Which car insurance is best?The best insurance companies offer great customer service, a variety of coverage types to choose from, plus plenty of discounts and perks. You can read NerdWallet’s roundup of the
best car insurance
in the country to see our top picks.
20-year-old drivers have the most expensive car insurance, with an average rate of $3,647 per year for full coverage and $1,035 per year for minimum coverage.
The cost of car insurance levels out once a driver reaches 30, with an average of $1,822 a year for full coverage.
Geico is the cheapest company for 20-year-olds, while American Family is cheapest for 30-year-olds.Your age can have a big impact on your car insurance rate. For example, you might already know teen drivers have some of the highest car insurance rates on average, but they aren’t the only ones. Although your rates will likely decrease once you hit your thirties, most drivers tend to see higher rates once they reach their 70s.
Below are the average costs of full and minimum coverage, by age, for drivers with good credit and a clean driving history, according to our August 2024 analysis.
Drivers around the age of 20 typically get higher car insurance rates because they are more likely to get into accidents than older drivers, on average. NerdWallet recommends comparing car insurance quotes to find the cheapest option available, even if it may not be as affordable as other age groups.
To get more insight into how your age affects your car insurance, we compiled average annual rates from nine of the 10 largest private passenger auto insurers in the country based on market share data from the National Association of Insurance Commissioners. Data for Liberty Mutual wasn't available.
| Company Name | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Allstate | $5,443 | $1,135 |
| American Family | $2,681 | $1,004 |
| Farmers | $6,175 | $2,015 |
| Geico | $2,454 | $675 |
| Nationwide | $4,122 | $1,743 |
| Progressive | $3,399 | $959 |
| State Farm | $4,584 | $1,199 |
| Travelers | $3,300 | $848 |
| USAA* | $2,627 | $641 |
*USAA is only available to military, veterans and their families.
| State | Median full coverage rate | Median minimum coverage rate |
|---|---|---|
| Alabama | $3,769 | $891 |
| Alaska | $2,968 | $751 |
| Arizona | $4,296 | $1,348 |
| Arkansas | $4,004 | $1,037 |
| California | $2,909 | $803 |
| Colorado | $5,340 | $1,392 |
| Connecticut | $4,650 | $1,930 |
| Delaware | $5,491 | $2,252 |
| Florida | $5,606 | $1,423 |
| Georgia | $4,749 | $1,494 |
| Hawaii | $1,610 | $491 |
| Idaho | $2,815 | $726 |
| Illinois | $3,554 | $1,113 |
| Indiana | $3,185 | $904 |
| Iowa | $2,796 | $636 |
| Kansas | $3,687 | $957 |
| Kentucky | $5,687 | $1,594 |
| Louisiana | $6,478 | $1,784 |
| Maine | $2,993 | $1,017 |
| Maryland | $4,632 | $1,847 |
| Massachusetts | $2,803 | $881 |
| Michigan | $4,666 | $1,233 |
| Minnesota | $2,962 | $865 |
| Mississippi | $3,849 | $993 |
| Missouri | $4,418 | $1,046 |
| Montana | $4,184 | $876 |
| Nebraska | $2,906 | $789 |
| Nevada | $5,692 | $1,881 |
| New Hampshire | $3,032 | $873 |
| New Jersey | $4,454 | $1,707 |
| New Mexico | $3,709 | $950 |
| New York | $3,896 | $1,520 |
| North Carolina | $2,015 | $705 |
| North Dakota | $2,962 | $703 |
| Ohio | $2,636 | $770 |
| Oklahoma | $4,996 | $1,124 |
| Oregon | $2,736 | $1,223 |
| Pennsylvania | $3,750 | $791 |
| Rhode Island | $6,408 | $2,211 |
| South Carolina | $4,459 | $1,552 |
| South Dakota | $3,038 | $627 |
| Tennessee | $3,890 | $1,067 |
| Texas | $6,132 | $2,158 |
| Utah | $3,481 | $1,280 |
| Vermont | $2,985 | $745 |
| Virginia | $3,499 | $1,316 |
| Washington | $3,531 | $1,262 |
| Washington, D.C. | $3,534 | $1,622 |
| West Virginia | $3,528 | $1,028 |
| Wisconsin | $3,441 | $868 |
| Wyoming | $2,561 | $465 |
Because drivers around the age of 35 get in fewer accidents than younger drivers, they typically can get lower car insurance rates than 20-somethings.
| Company Name | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Allstate | $2,276 | $617 |
| American Family | $1,281 | $484 |
| Farmers | $2,690 | $894 |
| Geico | $1,303 | $353 |
| Nationwide | $1,875 | $743 |
| Progressive | $1,742 | $490 |
| State Farm | $2,040 | $465 |
| Travelers | $1,412 | $436 |
| USAA* | $1,273 | $308 |
*USAA is only available to military, veterans and their families.
| State | Median full coverage rate | Median minimum coverage rate |
|---|---|---|
| Alabama | $1,798 | $402 |
| Alaska | $1,527 | $322 |
| Arizona | $2,092 | $641 |
| Arkansas | $1,788 | $446 |
| California | $1,622 | $462 |
| Colorado | $2,415 | $547 |
| Connecticut | $1,789 | $785 |
| Delaware | $1,923 | $877 |
| Florida | $3,069 | $810 |
| Georgia | $2,051 | $651 |
| Hawaii | $1,610 | $491 |
| Idaho | $1,164 | $319 |
| Illinois | $1,558 | $465 |
| Indiana | $1,449 | $409 |
| Iowa | $1,440 | $286 |
| Kansas | $1,788 | $474 |
| Kentucky | $2,415 | $666 |
| Louisiana | $3,150 | $892 |
| Maine | $1,245 | $388 |
| Maryland | $1,889 | $839 |
| Massachusetts | $1,314 | $412 |
| Michigan | $2,411 | $608 |
| Minnesota | $1,693 | $470 |
| Mississippi | $1,857 | $503 |
| Missouri | $1,973 | $506 |
| Montana | $1,814 | $425 |
| Nebraska | $1,486 | $346 |
| Nevada | $2,334 | $763 |
| New Hampshire | $1,130 | $370 |
| New Jersey | $2,136 | $860 |
| New Mexico | $1,834 | $440 |
| New York | $2,025 | $794 |
| North Carolina | $1,949 | $643 |
| North Dakota | $1,572 | $367 |
| Ohio | $1,214 | $335 |
| Oklahoma | $2,512 | $501 |
| Oregon | $1,349 | $599 |
| Pennsylvania | $1,756 | $371 |
| Rhode Island | $2,476 | $900 |
| South Carolina | $1,942 | $630 |
| South Dakota | $1,650 | $274 |
| Tennessee | $1,839 | $445 |
| Texas | $2,680 | $842 |
| Utah | $1,458 | $554 |
| Vermont | $1,085 | $310 |
| Virginia | $1,666 | $653 |
| Washington | $1,570 | $539 |
| Washington, D.C. | $1,737 | $857 |
| West Virginia | $1,693 | $495 |
| Wisconsin | $1,549 | $382 |
| Wyoming | $970 | $185 |
Car insurance companies pay close attention to a variety of factors when determining rates. We’ve analyzed rates for a few of the most common driver "profiles" to give you an idea of how much insurance might cost for each one.
Use these links when comparing auto insurance rates for specific driver histories:
After a DUI, your auto insurance rate will go up — in some cases, it could even double. But one thing you can control is your choice of insurance company. A DUI can affect car insurance rates for three to 10 years, so it’s a good idea to shop around for the best rates after getting a DUI.
Below you can compare average car insurance rates from different companies for 35-year-olds before and after a DUI. Keep in mind that not all of these options are available in every state.
| Company Name | Rate for drivers with a clean record | Rate for drivers with a DUI |
|---|---|---|
| Allstate | $2,276 | $3,455 |
| American Family | $1,281 | $2,087 |
| Farmers | $2,690 | $5,093 |
| Geico | $1,303 | $3,052 |
| Nationwide | $1,875 | $3,837 |
| Progressive | $1,742 | $2,174 |
| State Farm | $2,040 | $3,099 |
| Travelers | $1,412 | $2,382 |
| USAA* | $1,273 | $2,352 |
*USAA is only available to military, veterans and their families.
In Oklahoma , the average insurance cost for drivers with a recent DUI is 35% higher, on average, than for similar drivers with no incidents — $882 more a year. However, in our analysis, a DUI in North Carolina added $5,698 to the annual cost of full coverage car insurance for 35-year-old drivers.
See below for how your state measures up.
| State | Rate for drivers with a clean record | Rate for drivers with a DUI |
|---|---|---|
| Alabama | $1,798 | $2,950 |
| Alaska | $1,527 | $2,613 |
| Arizona | $2,092 | $3,465 |
| Arkansas | $1,788 | $2,958 |
| California | $1,622 | $4,302 |
| Colorado | $2,415 | $3,852 |
| Connecticut | $1,789 | $3,253 |
| Delaware | $1,923 | $3,893 |
| Florida | $3,069 | $4,262 |
| Georgia | $2,051 | $3,394 |
| Hawaii | $1,610 | $3,060 |
| Idaho | $1,164 | $2,347 |
| Illinois | $1,558 | $2,983 |
| Indiana | $1,449 | $2,909 |
| Iowa | $1,440 | $2,611 |
| Kansas | $1,788 | $3,239 |
| Kentucky | $2,415 | $4,435 |
| Louisiana | $3,150 | $4,624 |
| Maine | $1,245 | $2,549 |
| Maryland | $1,889 | $3,427 |
| Massachusetts | $1,314 | $2,486 |
| Michigan | $2,411 | $6,336 |
| Minnesota | $1,693 | $2,708 |
| Mississippi | $1,857 | $2,909 |
| Missouri | $1,973 | $3,397 |
| Montana | $1,814 | $3,070 |
| Nebraska | $1,486 | $2,454 |
| Nevada | $2,334 | $3,659 |
| New Hampshire | $1,130 | $2,146 |
| New Jersey | $2,136 | $4,185 |
| New Mexico | $1,834 | $2,805 |
| New York | $2,025 | $3,631 |
| North Carolina | $1,949 | $7,647 |
| North Dakota | $1,572 | $2,837 |
| Ohio | $1,214 | $2,289 |
| Oklahoma | $2,512 | $3,394 |
| Oregon | $1,349 | $2,407 |
| Pennsylvania | $1,756 | $2,929 |
| Rhode Island | $2,476 | $4,652 |
| South Carolina | $1,942 | $3,534 |
| South Dakota | $1,650 | $2,830 |
| Tennessee | $1,839 | $3,240 |
| Texas | $2,680 | $4,645 |
| Utah | $1,458 | $2,701 |
| Vermont | $1,085 | $2,478 |
| Virginia | $1,666 | $2,714 |
| Washington | $1,570 | $2,479 |
| Washington, D.C. | $1,737 | $3,296 |
| West Virginia | $1,693 | $3,119 |
| Wisconsin | $1,549 | $2,962 |
| Wyoming | $970 | $2,413 |
While your car insurance rate will almost always increase after a DUI, it’s clear that the amount it increases will depend partially on where you live.
Your credit history is one of the largest factors affecting your car insurance rate. In states where it's allowed, carriers use credit history to determine how likely you are to file a claim.
While rates may double for some drivers with poor credit, know that every company considers credit differently. An insurance company may evaluate your credit differently depending on which state you live in.
Drivers with poor credit insured by Nationwide could pay about 40% more a year, on average, compared with similar drivers with good credit. Meanwhile, the average price for full coverage from State Farm or Farmers rises 98% or more for drivers with poor credit compared with those with good credit.
Below you can compare average full coverage rates for 35-year-old drivers with poor credit by company.
| Company Name | Rate for drivers with good credit | Rate for drivers with poor credit |
|---|---|---|
| Allstate | $2,276 | $3,312 |
| American Family | $1,281 | $2,101 |
| Farmers | $2,690 | $5,347 |
| Geico | $1,303 | $1,874 |
| Nationwide | $1,875 | $2,640 |
| Progressive | $1,742 | $2,951 |
| State Farm | $2,040 | $7,107 |
| Travelers | $1,412 | $2,299 |
| USAA* | $1,273 | $2,267 |
*USAA is only available to military, veterans and their families.
Certain states prohibit the use of credit in setting car insurance rates, and how insurers treat credit differs from state to state. For example, state regulators in one state may allow more wiggle room for credit-based pricing than others, which leads to variations by state as well as by company.
Below you can compare average full coverage rates for 35-year-old drivers with poor credit by state.
| State | Rate for drivers with good credit | Rate for drivers with poor credit |
|---|---|---|
| Alabama | $1,798 | $3,277 |
| Alaska | $1,527 | $2,205 |
| Arizona | $2,092 | $3,183 |
| Arkansas | $1,788 | $2,986 |
| California | $1,622* | $1,622* |
| Colorado | $2,415 | $3,970 |
| Connecticut | $1,789 | $2,837 |
| Delaware | $1,923 | $3,531 |
| Florida | $3,069 | $4,552 |
| Georgia | $2,051 | $3,238 |
| Hawaii | $1,610* | $1,610* |
| Idaho | $1,164 | $1,861 |
| Illinois | $1,558 | $2,530 |
| Indiana | $1,449 | $2,653 |
| Iowa | $1,440 | $2,114 |
| Kansas | $1,788 | $3,325 |
| Kentucky | $2,415 | $4,453 |
| Louisiana | $3,150 | $4,719 |
| Maine | $1,245 | $1,887 |
| Maryland | $1,889 | $3,262 |
| Massachusetts | $1,314* | $1,314* |
| Michigan | $2,411 | $4,311 |
| Minnesota | $1,693 | $3,126 |
| Mississippi | $1,857 | $2,984 |
| Missouri | $1,973 | $3,284 |
| Montana | $1,814 | $3,037 |
| Nebraska | $1,486 | $2,448 |
| Nevada | $2,334 | $3,591 |
| New Hampshire | $1,130 | $1,863 |
| New Jersey | $2,136 | $3,990 |
| New Mexico | $1,834 | $2,521 |
| New York | $2,025 | $3,914 |
| North Carolina | $1,949 | $2,396 |
| North Dakota | $1,572 | $2,497 |
| Ohio | $1,214 | $2,045 |
| Oklahoma | $2,512 | $3,403 |
| Oregon | $1,349 | $2,044 |
| Pennsylvania | $1,756 | $2,831 |
| Rhode Island | $2,476 | $3,980 |
| South Carolina | $1,942 | $3,365 |
| South Dakota | $1,650 | $2,843 |
| Tennessee | $1,839 | $3,142 |
| Texas | $2,680 | $4,608 |
| Utah | $1,458 | $2,650 |
| Vermont | $1,085 | $2,151 |
| Virginia | $1,666 | $2,790 |
| Washington | $1,570 | $1,933 |
| Washington, D.C. | $1,737 | $2,822 |
| West Virginia | $1,693 | $2,460 |
| Wisconsin | $1,549 | $2,254 |
| Wyoming | $970 | $2,576 |
*Credit is not used to price rates in this state.
California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates. In Washington, the legal code around this issue is being debated.
Your driving history can affect auto insurance rates in different ways from one company to another. It’s a good idea to compare how each insurer’s car insurance rates stack up against the rest if you have a recent accident.
Below you can compare average full coverage rates for 35-year-old drivers with a recent at-fault accident by company.
| Company Name | Rate for drivers with a clean record | Rate after one at-fault accident |
|---|---|---|
| Allstate | $2,276 | $3,523 |
| American Family | $1,281 | $2,143 |
| Farmers | $2,690 | $4,255 |
| Geico | $1,303 | $2,207 |
| Nationwide | $1,875 | $2,991 |
| Progressive | $1,742 | $2,578 |
| State Farm | $2,040 | $2,636 |
| Travelers | $1,412 | $1,903 |
| USAA* | $1,273 | $1,856 |
*USAA is only available to military, veterans and their families.
Here are the average full coverage rates for 35-year-old drivers with a recent at-fault accident by state:
| State | Rate for drivers with a clean record | Rate after one at-fault accident |
|---|---|---|
| Alabama | $1,798 | $2,536 |
| Alaska | $1,527 | $1,947 |
| Arizona | $2,092 | $3,234 |
| Arkansas | $1,788 | $2,705 |
| California | $1,622 | $2,936 |
| Colorado | $2,415 | $3,501 |
| Connecticut | $1,789 | $2,603 |
| Delaware | $1,923 | $2,833 |
| Florida | $3,069 | $4,385 |
| Georgia | $2,051 | $3,135 |
| Hawaii | $1,610 | $2,190 |
| Idaho | $1,164 | $1,588 |
| Illinois | $1,558 | $2,380 |
| Indiana | $1,449 | $2,221 |
| Iowa | $1,440 | $2,037 |
| Kansas | $1,788 | $2,528 |
| Kentucky | $2,415 | $3,410 |
| Louisiana | $3,150 | $4,483 |
| Maine | $1,245 | $1,888 |
| Maryland | $1,889 | $3,212 |
| Massachusetts | $1,314 | $2,010 |
| Michigan | $2,411 | $3,406 |
| Minnesota | $1,693 | $2,428 |
| Mississippi | $1,857 | $2,678 |
| Missouri | $1,973 | $2,524 |
| Montana | $1,814 | $2,860 |
| Nebraska | $1,486 | $2,302 |
| Nevada | $2,334 | $3,574 |
| New Hampshire | $1,130 | $1,824 |
| New Jersey | $2,136 | $3,239 |
| New Mexico | $1,834 | $2,528 |
| New York | $2,025 | $2,895 |
| North Carolina | $1,949 | $3,046 |
| North Dakota | $1,572 | $2,284 |
| Ohio | $1,214 | $1,688 |
| Oklahoma | $2,512 | $3,112 |
| Oregon | $1,349 | $2,083 |
| Pennsylvania | $1,756 | $2,600 |
| Rhode Island | $2,476 | $2,539 |
| South Carolina | $1,942 | $2,907 |
| South Dakota | $1,650 | $2,348 |
| Tennessee | $1,839 | $2,704 |
| Texas | $2,680 | $4,174 |
| Utah | $1,458 | $2,296 |
| Vermont | $1,085 | $1,689 |
| Virginia | $1,666 | $2,468 |
| Washington | $1,570 | $2,184 |
| Washington, D.C. | $1,737 | $2,635 |
| West Virginia | $1,693 | $2,335 |
| Wisconsin | $1,549 | $2,321 |
| Wyoming | $970 | $1,640 |
Your rates will probably increase after an at-fault accident, so be sure to include the accident when you compare car insurance rates.
You can use NerdWallet's reviews to compare car insurance companies and find the best fit for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and other key factors for all of the country's top auto insurance companies. We also researched many smaller, regional insurers.
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Drew Gula is a NerdWallet authority on auto insurance. He previously worked as the senior content editor at Soundstripe and as the senior writer in Liberty University's marketing department. Drew is also a published author. He is based in Nashville, Tenn. See full bio.
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NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in all of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person. $300,000 bodily injury liability coverage per crash. $50,000 property damage liability coverage per crash. $100,000 uninsured motorist bodily injury coverage per person. $300,000 uninsured motorist bodily injury coverage per crash. Collision coverage with $1,000 deductible. Comprehensive coverage with $1,000 deductible.In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
These are rates generated through Quadrant Information Services. Your own rates will be different.
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