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Compare 2020 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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