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Compare 2021 car insurance rates

Fact-checked with HomeInsurance.com

    Article Highlights

    When was the last time you compared car insurance rates? Whether you’re purchasing a new vehicle or you’ve been with the same insurance company for over a decade, it’s always smart to do an auto insurance comparison to see what deals are out there. Comparing auto insurance quotes is a simple way to save money on your monthly insurance payments – sometimes more than you might imagine.

    How to compare car insurance rates

    Comparing auto insurance rates is fairly straightforward. Typically it is a simple four-step process:

    1. Decide how much coverage you need
    2. Research companies
    3. Ask for quotes
    4. Choose a policy

    1. Decide how much coverage you need

    The first step to compare auto insurance rates is to decide what type of policy you’re looking for and determine your coverage needs. There are six different types of standard coverage to choose from, some of which may be required by law (or your lender) while others are optional. You’ll also have to decide how high of a limit to purchase for your policy, although some minimums apply depending on the state in which you live.

    2. Research companies

    Every insurance company has its own set of strengths and specialties. Depending on what aspects are most important to you, some carriers are better equipped to meet your needs than others. Whether you value excellent customer service or the convenience of digital apps, look into companies and identify a few that meet your personal standards and preferences.

    3. Ask for quotes

    Once you have gathered a list of contenders, you’ll be ready to obtain quotes using the coverage information as a baseline. It’s important to get a quote for the same type and amount of coverage from each company so that you can compare auto insurance rates accurately. Quotes can typically be requested online, but if necessary, reach out to an agent directly.

    4. Choose a policy

    With your quotes in hand, you’ll have all the information you need to complete your car insurance comparison and choose the best policy. Evaluate rates, possible discounts and what each provider offers as far as customer experience to decide which is the best fit for your needs.

    Comparing car insurance quotes by state

    When it comes to comparing providers, your location plays a big role in determining your insurance rate. A variety of reasons contribute to this; frequency of accidents, crime rates, percentage of uninsured drivers and required insurance minimums all vary by state. Drivers in Maine pay the lowest yearly rates on average for full coverage at $831, while Wyoming is the cheapest for state minimum liability, with annual costs averaging $264.

    On the other end of the scale, residents of Florida can expect to pay more than $2,500 for full coverage. Minimum liability in New York is the most expensive among states, coming in at nearly $1,300.

    StateFull coverageState minimum liability
    Alabama$1,513$435
    Alaska$1,388$467
    Arizona$1,517$482
    Arkansas$1,749$458
    California$1,974$611
    Colorado$1,720$510
    Connecticut$1,782$790
    Delaware$1,730$839
    District of Columbia$1,675$678
    Florida$2,587$948
    Georgia$1,746$640
    Hawaii$1,234$354
    Idaho$1,055$337
    Illinois$1,400$462
    Indiana$1,187$372
    Iowa$1,122$274
    Kansas$1,567$468
    Kentucky$1,850$738
    Louisiana$2,351$765
    Maine$831$312
    Maryland$1,787$858
    Massachusetts$1,399$478
    Michigan$2,105$1,219
    Minnesota$1,622$625
    Mississippi$1,719$482
    Missouri$1,955$688
    Montana$1,365$316
    Nebraska$1,329$389
    Nevada$1,903$836
    New Hampshire$1,137$427
    New Jersey$1,763$912
    New Mexico$1,374$370
    New York$2,498$1,295
    North Carolina$1,378$444
    North Dakota$1,211$349
    Ohio$998$320
    Oklahoma$1,741$445
    Oregon$1,281$578
    Pennsylvania$1,372$374
    Rhode Island$2,066$790
    South Carolina$1,568$537
    South Dakota$1,597$314
    Tennessee$1,281$358
    Texas$1,974$708
    Utah$1,301$536
    Vermont$1,123$314
    Virginia$1,136$398
    Washington$1,305$408
    West Virginia$1,631$518
    Wisconsin$1,049$330
    Wyoming$1,335$264

    Compare minimum and full coverage car insurance rates by company

    The quote you’ll get from each insurance company will vary depending on your personal information and what level of coverage you obtain. On average, Erie Insurance customers pay the least for both full coverage, at $1,141, and minimum coverage, at $372. The Hanover charges drivers the most: $2,492 for full coverage and $1,592 for minimum coverage.

    CompanyFull coverageMinimum coverage
    AAA$1,948$473
    Allstate$1,896$705
    American Family$1,218$542
    Amica$1,449$460
    Auto Owners$1,308$398
    Erie$1,141$372
    Farmers$1,540$587
    GEICO$1,260$416
    Met Life$1,923$873
    Nationwide$1,533$566
    Progressive$1,910$769
    State Farm$1,681$681
    The Hanover$2,492$1,592
    Travelers$1,769$752
    USAA$1,484$539
    The Hartford$1,572 $472

    Compare car insurance rates for good and bad credit by company

    Every insurance company calculates insurance rates differently, so you may want to consider your credit score when choosing a list of companies to compare car insurance. If you have good credit, consider asking for a quote from Erie Insurance, which gives applicants in this category the most competitive rate of $1,141. 

    Some provider rates are still high, even with good credit; The Hanover charges drivers with good credit an average of $2,492 annually.

    If you’re worried that a low credit score might affect your rates, GEICOs rates indicate it is the most forgiving; drivers with poor credit pay $1,803 annually with this provider. AAA’s rates indicate the highest rate increase from poor credit: $4,531 annually on average for applicants with a low credit score.

    CompanyGood creditBad credit
    AAA$1,948$4,531
    Allstate$1,896$2,744
    American Family$1,218$2,116
    Amica$1,449$2,295
    Auto Owners$1,308$2,490
    Erie$1,141$2,190
    Farmers$1,540$2,407
    GEICO$1,260$1,803
    Met Life$1,923$2,887
    Nationwide$1,533$1,916
    Progressive$1,910$2,594
    State Farm$1,681$2,816
    The Hanover$2,492$3,751
    Travelers$1,769$2,308
    USAA$1,484$2,284
    The Hartford$1,572$3,061

    Compare car insurance rates for good and bad credit by state

    In most states, auto insurers can use your credit score to help determine your risk factor as a driver. Data indicates that drivers with good credit will see the best rate in Maine, at $831. On the other hand, Florida drivers with good credit can expect to pay upwards of $2,587 on average. 

    If you’re still working to build credit, you’ll have the best chance of keeping rates affordable in Hawaii, where the average annual premium is $1,234. However, a lower score will cost you in excess of $3,500 in Florida on average.

    Note that rates for good and poor credit remain unchanged in California, Hawaii and Massachusetts, where it’s illegal for your score to be held against you when applying for car insurance.

    StateGood creditPoor credit
    Alaska$1,388$2,124
    Alabama$1,513$2,480
    Arkansas$1,749$2,197
    Arizona$1,517$2,569
    California$1,974$1,974
    Colorado$1,720$2,924
    Connecticut$1,782$2,574
    District of Columbia$1,675$2,854
    Delaware$1,730$2,530
    Florida$2,587$3,540
    Georgia$1,746$2,899
    Hawaii$1,234$1,234
    Iowa$1,122$1,952
    Idaho$1,055$1,705
    Illinois$1,400$2,397
    Indiana$1,187$2,018
    Kansas$1,567$2,379
    Kentucky$1,850$2,649
    Louisiana$2,351$2,741
    Mass$1,399$1,399
    Maryland$1,787$2,328
    Maine$831$1,576
    Michigan$2,105$2,861
    Minnesota$1,622$2,479
    Missouri$1,955$2,132
    Mississippi$1,719$2,545
    Montana$1,365$2,217
    North Carolina$1,378$1,607
    North Dakota$1,211$1,914
    Nebraska$1,329$2,257
    New Hampshire$1,137$1,838
    New Jersey$1,763$2,680
    New Mexico$1,374$2,113
    Nevada$1,903$2,520
    New York$2,498$3,392
    Ohio$998$1,755
    Oklahoma$1,741$2,729
    Oregon$1,281$2,134
    Pennsylvania$1,372$2,488
    Rhode Island$2,066$2,988
    South Carolina$1,568$2,814
    South Dakota$1,597$2,832
    Tennessee$1,281$2,214
    Texas$1,974$2,396
    Utah$1,301$2,108
    Virginia$1,136$1,832
    Vermont$1,123$1,841
    Washington$1,305$2,085
    Wisconsin$1,049$1,907
    West Virginia$1,631$2,285
    Wyoming$1,335$2,065

    *A few states prohibit insurers from using consumer credit information – California, Massachusetts and Hawaii for auto insurance.

    Compare car insurance rates for a clean record and at-fault accident by company

    No one plans to get in an accident, but unfortunately they can happen to even the safest drivers. If you’re in an accident, you can expect your insurance rate to increase an average of 34% when it comes time to renew your policy. However, the exact amount will vary by company and other factors related to your driving record. Some insurers don’t raise rates for a first-time minor accident, especially if they offer an accident forgiveness program.

    If your insurer raises your rate following an accident, don’t be afraid to compare auto insurance rates with competitors to see if another company might be more forgiving, or can offer a better rate even with your affected driving record.

    Compare car insurance rates for a clean record and at-fault accident in your state

    Rates following an accident may go up more or less depending on the state you live in. Residents of Maine tend to benefit from the lowest rates of any state regardless of your claim history. If you have a clean record, you’ll pay around $831 per year. Following your first at-fault accident, you can expect your rate to go up to $1,361.

    In California, on the other hand, causing an accident can be a costly mistake. While drivers in the state with no prior accidents pay $1,974 per year for insurance, those rates nearly double to $3,425 after a single at-fault accident.

    StateClean driving historyWith one at-fault accident
    Alabama$1,513$2,180
    Alaska$1,388$2,029
    Arizona$1,517$2,196
    Arkansas$1,749$2,607
    California$1,974$3,425
    Colorado$1,720$2,394
    Connecticut$1,782$2,386
    Delaware$1,730$2,178
    Florida$2,587$3,380
    Georgia$1,746$2,637
    Hawaii$1,234$1,615
    Idaho$1,055$1,439
    Illinois$1,400$2,067
    Indiana$1,187$1,732
    Iowa$1,122$1,523
    Kansas$1,567$1,905
    Kentucky$1,850$2,340
    Louisiana$2,351$2,897
    Maine$831$1,361
    Maryland$1,787$2,256
    Massachusetts$1,399$2,176
    Michigan$2,105$2,536
    Minnesota$1,622$2,130
    Mississippi$1,719$2,138
    Missouri$1,955$2,181
    Montana$1,365$1,962
    Nebraska$1,329$1,880
    Nevada$1,903$2,355
    New Hampshire$1,137$1,597
    New Jersey$1,763$2,274
    New Mexico$1,374$1,999
    New York$2,498$3,054
    North Carolina$1,378$2,103
    North Dakota$1,211$1,605
    Ohio$998$1,447
    Oklahoma$1,741$2,493
    Oregon$1,281$1,922
    Pennsylvania$1,372$2,030
    Rhode Island$2,066$2,953
    South Carolina$1,568$2,297
    South Dakota$1,597$2,050
    Tennessee$1,281$1,808
    Texas$1,974$2,124
    Utah$1,301$1,580
    Vermont$1,123$1,313
    Virginia$1,136$1,356
    Washington$1,305$1,545
    Washington, D.C.$1,675$2,315
    West Virginia$1,631$1,799
    Wisconsin$1,049$1,332
    Wyoming$1,335$1,674

    Compare car insurance rates for a clean record and speeding ticket by company

    On top of the fines and driver’s license points you’ll accumulate if you’re caught speeding, your insurance company may penalize you at your next policy renewal for the risky driving behavior. While there’s no guarantee exactly how much your rate will increase, the nationwide average is around 20%. If you’re not happy with your new rate after a speeding ticket, take the opportunity to do a car insurance quotes comparison and find out if you’ll can get a more competitive rate with a different provider.

    Compare car insurance rates for a clean record and speeding ticket in your state

    A speeding ticket may have more or less of an impact on your insurance rate depending on the state you live in as well. In Maine, rates stay fairly low — only rising from $831 to $1,048 after a ticket. Florida residents will see a higher increase, with already-steep rates of $2,587 climbing to $3,113 on average, following a ticket.

    StateClean driving historyWith one speeding ticket
    Alabama$1,513$1,813
    Alaska$1,388$1,616
    Arizona$1,517$1,977
    Arkansas$1,749$2,206
    California$1,974$2,790
    Colorado$1,720$2,029
    Connecticut$1,782$2,216
    Delaware$1,730$2,076
    Florida$2,587$3,113
    Georgia$1,746$2,188
    Hawaii$1,234$1,359
    Idaho$1,055$1,240
    Illinois$1,400$1,768
    Indiana$1,187$1,535
    Iowa$1,122$1,288
    Kansas$1,567$1,816
    Kentucky$1,850$2,079
    Louisiana$2,351$2,779
    Maine$831$1,048
    Maryland$1,787$1,973
    Massachusetts$1,399$1,757
    Michigan$2,105$2,486
    Minnesota$1,622$1,992
    Mississippi$1,719$2,004
    Missouri$1,955$2,132
    Montana$1,365$1,688
    Nebraska$1,329$1,589
    Nevada$1,903$2,147
    New Hampshire$1,137$1,297
    New Jersey$1,763$2,196
    New Mexico$1,374$1,663
    New York$2,498$2,823
    North Carolina$1,378$1,977
    North Dakota$1,211$1,564
    Ohio$998$1,212
    Oklahoma$1,741$2,090
    Oregon$1,281$1,608
    Pennsylvania$1,372$1,544
    Rhode Island$2,066$2,610
    South Carolina$1,568$1,920
    South Dakota$1,597$1,840
    Tennessee$1,281$1,490
    Texas$1,974$2,124
    Utah$1,301$1,580
    Vermont$1,123$1,313
    Virginia$1,136$1,356
    Washington$1,305$1,545
    Washington, D.C.$1,675$1,956
    West Virginia$1,631$1,799
    Wisconsin$1,049$1,332
    Wyoming$1,335$1,674

    Comparing car insurance rates by age

    Your age can be one of the biggest deciding factors in setting your car insurance rate, particularly if you’re under the age of 25. Young drivers have less experience on the road and are statistically more likely to make mistakes that cause accidents. To offset this risk, insurance companies tend to charge significantly more to cover young adults. 

    This further highlights the importance of thoroughly comparing auto insurance rates; choosing the right company could save new drivers hundreds or even thousands of dollars per year depending on your age.

    Car insurance quotes for young adult drivers

    Across all ages, 18-year-old drivers usually pay the most for car insurance as many are just purchasing their first policy as adults — $5,335 per year on average. By the age of 21, however, this number drops more than 50% to about $2,600. Rates continue to fall steadily past age 25, and once a driver reaches their 30th birthday, rates reach the national average of $1,555 annually for insurance.

    AgeAverage rate
    18$5,335
    19$3,661
    20$3,592
    21$2,622
    22$2,716
    25$2,036
    30$1,555

    *Rates average of both male and female rates

    The takeaway

    • Every insurance company charges a different rate for auto insurance. It’s always a good idea to compare car insurance quotes to make sure you’re getting the best value.
    • Your state also affects the rate you’ll have to pay for insurance. 
    • In most states, your credit score can affect your insurance rate. You’ll typically be rewarded with lower rates if you have a better score.
    • If you get in an accident or are caught speeding, you can expect your rate to go up, although the exact amount of increase will also vary by state.
    • Young drivers tend to pay more for car insurance, with rates highest at age 18, but drop steadily approaching age 30.

    As this article illustrates, a vast number of factors are used to calculate each driver’s insurance rate. Since each company uses their own complex algorithms to determine rates, taking the time to compare auto insurance rates can save you in the long run for necessary coverage.

    Rate comparison methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with a clean driving record, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

    An accident was defined as an at-fault accident with $3k in property damage. A speeding incident was defined as speeding 16-20 MPH over the limit. Poor credit is defined as scores between 524-577, and good credit is defined as scores between 769-794.

    These rates were publicly sourced from insurer filings and should be used for comparative purposes only – your own quotes may be different.

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