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Compare Auto Insurance Quotes

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Comparing car insurance quotes is one of the best ways to save on your car insurance. An Insurance.com rate analysis found an average savings of $1,600 a year on a full coverage policy after comparing car insurance quotes from multiple companies.

And while it sounds like a chore, comparing car insurance rates is actually fast and easy. Below we’ll tell you how to shop for car insurance, what to look for, and provide average rates to help you see how your quotes compare.

KEY TAKEAWAYS
  • Comparing car insurance rates can save you an average of $1,600 annually on a full coverage policy.
  • Comparing three to five different car insurance companies will help you get the best deal.
  • It’s important to check car insurance company ratings as well as prices to get the best service.

How to compare car insurance quotes

Start your car insurance quote comparison online right now with the easy steps below.

1. Choose the coverage you need

The first step in comparing car insurance quotes is to review your current auto insurance policy and determine the coverage levels you need. If you’re happy with that coverage, get quotes at the same level to compare apples-to-apples.

If you’re not sure how much coverage you need, our car insurance coverage calculator can help you get it right.

2. Have personal information and documents ready

Here are some things you’ll need to request car insurance quotes.

  • The names, birth dates, and driver’s license numbers of all household drivers who need coverage on your policy.
  • The make, model, and year of each car to be covered.
  • A list of any tickets or accidents for drivers in your household in the past three years.

3. Get car insurance quotes

Using the coverage amounts you’ve chosen and the details on the drivers and cars in your home, get quotes from multiple companies (we recommend at least three to five different companies).

4. Do a car insurance comparison

If you’re doing a quote comparison online, you’ll likely have quotes to review within minutes. Compare the quotes side by side. Consider the following questions:

  • Which company offers the cheapest auto insurance?
  • How do the rates compare with your current coverage?
  • What discounts do you qualify for, and how much does it reduce your rates?
  • Could you possibly get better coverage for the same price you are paying now?
  • Is the insurer offering any value-added benefits like roadside assistance?

5. Compare car insurance companies by ratings

The cheapest auto insurance is not always the best auto insurance. Do some additional research on your top choice to ensure they are financially stable and have good customer reviews for customer support, billing, and claims. You can do this quickly by checking their A.M. Best rating and J.D. Power ratings, or check out our car insurance company ratings.

Choose the right coverage using our car insurance coverage calculator
Insurance.com's car insurance coverage calculator is a quick way to find the right car insurance levels and options for you.

Compare car insurance rates by state

Car insurance rates differ by state – and even fluctuate depending on ZIP code – because of factors like the number of accidents and thefts. Compare how much you pay for car insurance with the state average here.

StateState Minimum Liability Only50/100/50
Liability Only
Full Coverage 100/300/100
Alaska$336$414$1,359
Alabama$420$585$1,542
Arkansas$422$510$1,597
Arizona$494$697$1,617
California$582$864$2,115
Colorado$467$726$1,940
Connecticut$773$849$1,750
Washington D.C.$577$663$1,858
Delaware$821$999$2,137
Florida$908$1,586$2,560
Georgia$567$736$1,647
Hawaii$389$519$1,306
Iowa$263$318$1,321
Idaho$326$386$1,121
Illinois$484$530$1,578
Indiana$384$442$1,256
Kansas$389$412$1,594
Kentucky$717$927$2,105
Louisiana$726$1,260$2,546
Massachusetts$523$660$1,538
Maryland$607$648$1,640
Maine$330$335$1,116
Michigan$711$755$2,133
Minnesota$479$511$1,493
Missouri$525$586$2,104
Mississippi$434$583$1,606
Montana$389$525$1,692
North Carolina$396$435$1,368
North Dakota$340$353$1,419
Nebraska$350$383$2,018
New Hampshire$411$441$1,307
New Jersey$989$1,120$1,901
New Mexico$376$546$1,505
Nevada$683$1,009$2,023
New York$875$960$2,020
Ohio$308$365$1,023
Oklahoma$352$545$1,797
Oregon$551$594$1,244
Pennsylvania$398$501$1,445
Rhode Island$648$782$1,845
South Carolina$628$793$1,894
South Dakota$267$289$1,581
Tennessee$368$445$1,373
Texas$520$659$1,875
Utah$526$645$1,469
Virginia$469$489$1,321
Vermont$306$334$1,158
Washington$505$664$1,371
Wisconsin$375$419$1,499
West Virginia$474$530$1,610
Wyoming$293$331$1,736

Compare car insurance rates by company

Car insurance rates by company can be vastly different, which is why it's so critical to shop around for car insurance quotes. Your current company may have had the cheapest car insurance rates last year, but rates change all the time.

Life events, such as getting married, and driving incidents, such as accidents and tickets, can have a huge influence on rates. Compare car insurance quotes every time something changes that could affect what you pay, especially if you see an increase in your current rate. Take a look at some samples of average 2022 rates for major companies in each state.

StateCompanyAverage Rates
AlaskaAllstate$2,107
AlaskaGeico$1,136
AlaskaProgressive$1,117
AlaskaState Farm$1,224
AlaskaUSAA$1,051
AlaskaWestern National Mutual$1,517
AlabamaAllstate$1,512
AlabamaAuto-Owners$1,601
AlabamaGeico$1,113
AlabamaFarmers Insurance$2,137
AlabamaNationwide$1,007
AlabamaProgressive$1,806
AlabamaState Farm$1,625
AlabamaTravelers$1,321
AlabamaUSAA$1,164
ArkansasAllstate$2,202
ArkansasAuto Club$1,449
ArkansasAuto-Owners$1,561
ArkansasGeico$1,123
ArkansasFarmers Insurance$2,398
ArkansasNationwide$1,273
ArkansasProgressive$1,586
ArkansasState Farm$1,305
ArkansasTravelers$1,228
ArkansasUSAA$1,043
ArizonaAllstate$2,073
ArizonaAuto-Owners$1,130
ArizonaGeico$1,033
ArizonaCSAA Insurance$2,187
ArizonaFarmers Insurance$2,301
ArizonaThe Hartford$1,491
ArizonaMercury Insurance$1,407
ArizonaNationwide$1,130
ArizonaProgressive$1,807
ArizonaState Farm$1,488
ArizonaTravelers$1,306
ArizonaUSAA$1,362
CaliforniaAllstate$2,303
CaliforniaAuto Club$2,267
CaliforniaAuto-Owners$2,143
CaliforniaGeico$1,594
CaliforniaCSAA Insurance$2,367
CaliforniaFarmers Insurance$2,423
CaliforniaThe Hartford$2,535
CaliforniaKemper Insurance$2,310
CaliforniaMercury Insurance$1,622
CaliforniaNationwide$2,361
CaliforniaProgressive$1,466
CaliforniaState Farm$2,334
CaliforniaTravelers$2,044
CaliforniaUSAA$1,537
ColoradoAllstate$2,120
ColoradoAmerican Family$2,736
ColoradoAuto-Owners$2,357
ColoradoGeico$1,212
ColoradoFarmers Insurance$2,731
ColoradoKemper Insurance$1,578
ColoradoNationwide$1,304
ColoradoProgressive$1,704
ColoradoState Farm$1,565
ColoradoUSAA$1,300
ConnecticutAllstate$2,013
ConnecticutAmica Mutual$1,220
ConnecticutGeico$935
ConnecticutFarmers Insurance$1,832
ConnecticutKemper Insurance$1,172
ConnecticutNationwide$1,577
ConnecticutProgressive$1,368
ConnecticutState Farm$1,340
ConnecticutThe Hanover$4,839
ConnecticutUSAA$1,208
Washington D.C.Allstate$3,830
Washington D.C.Geico$862
Washington D.C.Chubb Ltd$2,479
Washington D.C.Erie Insurance$1,417
Washington D.C.Nationwide$2,220
Washington D.C.Progressive$1,154
Washington D.C.State Farm$1,723
Washington D.C.USAA$1,182
DelawareAllstate$3,136
DelawareAmerican Family$2,864
DelawareGeico$1,077
DelawareFarmers Insurance$2,368
DelawareNationwide$1,390
DelawareProgressive$1,473
DelawareSentry Insurance$4,803
DelawareState Farm$1,304
DelawareTravelers$1,730
DelawareUSAA$1,222
FloridaAllstate$2,757
FloridaGeico$1,554
FloridaFarmers Insurance$3,248
FloridaMercury Insurance$2,627
FloridaNational General Insurance$3,166
FloridaNationwide$2,156
FloridaProgressive$2,926
FloridaState Farm$1,776
FloridaTravelers$2,140
GeorgiaAllstate$1,832
GeorgiaAuto-Owners$1,281
GeorgiaGeico$1,459
GeorgiaCountry Financial$2,017
GeorgiaFarmers Insurance$2,474
GeorgiaMercury Insurance$1,932
GeorgiaNationwide$1,245
GeorgiaProgressive$1,455
GeorgiaState Farm$1,640
GeorgiaUSAA$1,136
HawaiiAllstate$1,622
HawaiiGeico$960
HawaiiFarmers Insurance$1,411
HawaiiIsland Insurance$1,668
HawaiiProgressive$1,343
HawaiiState Farm$1,097
HawaiiUSAA$1,040
IowaAllstate$1,512
IowaAmerican Family$1,487
IowaAuto-Owners$1,270
IowaGeico$1,147
IowaFarmers Insurance$1,423
IowaNationwide$881
IowaProgressive$2,149
IowaState Farm$1,110
IowaTravelers$1,088
IowaUSAA$1,148
IdahoAllstate$1,769
IdahoAmerican Family$1,206
IdahoAuto-Owners$793
IdahoGeico$858
IdahoFarmers Insurance$1,537
IdahoNationwide$920
IdahoState Farm$920
IdahoTravelers$933
IdahoUSAA$743
IllinoisAllstate$2,451
IllinoisAmerican Family$1,201
IllinoisAuto Club$1,654
IllinoisAuto-Owners$1,127
IllinoisAutomobile Club MI$2,303
IllinoisGeico$798
IllinoisErie Insurance$1,239
IllinoisFarmers Insurance$2,855
IllinoisMercury Insurance$1,195
IllinoisNationwide$1,077
IllinoisProgressive$1,414
IllinoisState Farm$1,104
IllinoisTravelers$1,077
IllinoisUSAA$1,317
IndianaAllstate$2,123
IndianaAmerican Family$1,187
IndianaAuto-Owners$1,083
IndianaGeico$632
IndianaFarmers Insurance$1,652
IndianaNationwide$1,008
IndianaProgressive$1,547
IndianaState Farm$1,003
IndianaTravelers$1,133
IndianaUSAA$792
KansasAllstate$2,463
KansasAmerican Family$1,332
KansasAuto-Owners$1,807
KansasGeico$1,492
KansasFarmers Insurance$2,032
KansasNationwide$1,032
KansasProgressive$1,523
KansasState Farm$1,402
KansasTravelers$1,369
KansasUSAA$1,051
KentuckyAllstate$2,614
KentuckyAuto-Owners$1,748
KentuckyGeico$1,609
KentuckyFarmers Insurance$4,277
KentuckyKentucky Farm Bureau$2,204
KentuckyNationwide$1,730
KentuckyProgressive$2,093
KentuckyState Farm$1,609
KentuckyTravelers$1,632
KentuckyUSAA$1,538
LouisianaAuto Club$4,002
LouisianaGeico$2,239
LouisianaFarmers Insurance$2,957
LouisianaProgressive$3,026
LouisianaSafeway Insurance$2,810
LouisianaSouthern Farm Bureau$1,478
LouisianaState Farm$2,181
LouisianaUSAA$1,676
MassachusettsAllstate$2,195
MassachusettsAmerican Family$1,723
MassachusettsArbella Insurance$1,696
MassachusettsGeico$1,184
MassachusettsFarmers Insurance$1,633
MassachusettsProgressive$1,653
MassachusettsSafety Insurance$1,226
MassachusettsState Farm$647
MassachusettsTravelers$2,254
MassachusettsUSAA$1,170
MarylandAllstate$2,628
MarylandGeico$1,154
MarylandErie Insurance$1,490
MarylandFarmers Insurance$2,858
MarylandKemper Insurance$1,654
MarylandNationwide$1,264
MarylandProgressive$1,650
MarylandState Farm$1,646
MarylandTravelers$1,191
MarylandUSAA$863
MaineAllstate$1,521
MaineAuto-Owners$690
MaineGeico$798
MaineFarmers Insurance$1,608
MaineFrankenmuth Insurance$1,339
MaineProgressive$1,061
MaineState Farm$909
MaineTravelers$829
MaineUSAA$794
MichiganAllstate$2,987
MichiganAuto-Owners$2,013
MichiganAutomobile Club MI$1,964
MichiganGeico$1,309
MichiganFarmers Insurance$2,289
MichiganProgressive$1,385
MichiganState Farm$3,346
MichiganTravelers$2,435
MichiganUSAA$1,318
MinnesotaAllstate$2,197
MinnesotaAmerican Family$1,245
MinnesotaAuto-Owners$1,435
MinnesotaAutomobile Club MI$2,196
MinnesotaGeico$1,689
MinnesotaFarmers Insurance$1,586
MinnesotaNationwide$922
MinnesotaState Farm$992
MinnesotaTravelers$1,430
MinnesotaUSAA$1,236
MissouriAllstate$1,732
MissouriAmerican Family$1,601
MissouriAuto Club$2,020
MissouriAuto-Owners$1,613
MissouriGeico$2,173
MissouriFarmers Insurance$3,426
MissouriKemper Insurance$5,413
MissouriNationwide$1,097
MissouriProgressive$2,589
MissouriState Farm$1,398
MissouriTravelers$1,335
MissouriUSAA$849
MississippiAllstate$1,978
MississippiGeico$1,555
MississippiFarmers Insurance$2,572
MississippiNationwide$1,314
MississippiProgressive$1,496
MississippiShelter Insurance$2,032
MississippiState Farm$1,389
MississippiTravelers$1,443
MississippiUSAA$963
MontanaAllstate$2,449
MontanaGeico$2,073
MontanaFarmers Insurance$1,691
MontanaKemper Insurance$2,692
MontanaNationwide$1,421
MontanaProgressive$940
MontanaState Farm$1,346
MontanaUSAA$928
North CarolinaAllstate$2,106
North CarolinaGeico$1,035
North CarolinaErie Insurance$1,013
North CarolinaFarmers Insurance$1,763
North CarolinaKemper Insurance$961
North CarolinaNational General Insurance$1,473
North CarolinaNationwide$1,132
North CarolinaNorth Carolina Farm Bureau$1,218
North CarolinaProgressive$1,782
North CarolinaState Farm$1,199
North DakotaAllstate$1,858
North DakotaAmerican Family$1,236
North DakotaAuto-Owners$1,288
North DakotaGeico$1,378
North DakotaFarmers Insurance$2,020
North DakotaNationwide$983
North DakotaProgressive$1,262
North DakotaState Farm$1,372
North DakotaUSAA$775
NebraskaAllstate$1,739
NebraskaAuto-Owners$1,264
NebraskaAutomobile Club MI$5,257
NebraskaGeico$1,765
NebraskaFarmers Insurance$2,029
NebraskaNationwide$892
NebraskaProgressive$2,234
NebraskaState Farm$1,745
NebraskaUSAA$1,225
New HampshireAllstate$1,638
New HampshireAuto-Owners$776
New HampshireGeico$779
New HampshireFarmers Insurance$1,676
New HampshireMapfre Insurance$1,091
New HampshireNationwide$917
New HampshireProgressive$849
New HampshireState Farm$837
New HampshireThe Hanover$3,771
New HampshireUSAA$735
New JerseyAllstate$1,798
New JerseyGeico$1,250
New JerseyFarmers Insurance$2,445
New JerseyMercury Insurance$2,103
New JerseyNew Jersey Manufacturers$1,284
New JerseyPalisades$1,073
New JerseyProgressive$3,135
New JerseyState Farm$1,688
New JerseyTravelers$1,791
New MexicoAllstate$1,964
New MexicoGeico$960
New MexicoFarmers Insurance$1,433
New MexicoIowa Farm Bureau$2,369
New MexicoKemper Insurance$2,027
New MexicoNationwide$1,140
New MexicoProgressive$1,535
New MexicoState Farm$1,155
New MexicoUSAA$1,036
NevadaAllstate$2,574
NevadaAmerican Family$2,370
NevadaAuto-Owners$1,296
NevadaGeico$834
NevadaCSAA Insurance$3,947
NevadaFarmers Insurance$2,417
NevadaKemper Insurance$2,779
NevadaMercury Insurance$1,912
NevadaNationwide$1,484
NevadaProgressive$1,602
NevadaState Farm$1,433
NevadaTravelers$1,838
NevadaUSAA$1,422
New YorkAllstate$1,749
New YorkAmerican Family$1,112
New YorkGeico$1,371
New YorkErie Insurance$1,600
New YorkKemper Insurance$2,917
New YorkMercury Insurance$4,551
New YorkProgressive$825
New YorkState Farm$1,937
New YorkTravelers$2,580
New YorkUSAA$1,563
OhioAllstate$1,591
OhioAmerican Family$999
OhioAuto-Owners$934
OhioGeico$666
OhioErie Insurance$938
OhioFarmers Insurance$1,296
OhioNationwide$650
OhioProgressive$1,175
OhioState Farm$933
OhioTravelers$921
OhioUSAA$879
OklahomaAllstate$1,814
OklahomaGeico$1,087
OklahomaFarmers Insurance$2,138
OklahomaMercury Insurance$1,518
OklahomaOklahoma Farm Bureau$2,642
OklahomaProgressive$2,446
OklahomaShelter Insurance$1,707
OklahomaState Farm$1,378
OklahomaUSAA$1,101
OregonAllstate$1,712
OregonAmerican Family$1,283
OregonAuto-Owners$1,130
OregonGeico$957
OregonFarmers Insurance$1,477
OregonKemper Insurance$1,460
OregonNationwide$953
OregonProgressive$1,345
OregonState Farm$957
OregonTravelers$1,154
OregonUSAA$1,020
PennsylvaniaAllstate$1,400
PennsylvaniaAuto-Owners$1,237
PennsylvaniaGeico$1,352
PennsylvaniaErie Insurance$1,229
PennsylvaniaFarmers Insurance$3,148
PennsylvaniaNationwide$821
PennsylvaniaProgressive$1,598
PennsylvaniaState Farm$1,195
PennsylvaniaTravelers$1,020
PennsylvaniaUSAA$1,448
Rhode IslandAllstate$2,772
Rhode IslandAmerican Family$1,757
Rhode IslandAmica Mutual$1,792
Rhode IslandGeico$1,692
Rhode IslandFarmers Insurance$2,999
Rhode IslandNationwide$1,864
Rhode IslandProgressive$1,962
Rhode IslandState Farm$1,101
Rhode IslandTravelers$1,552
Rhode IslandUSAA$962
South CarolinaAllstate$2,089
South CarolinaAmerican Family$2,500
South CarolinaAuto-Owners$1,322
South CarolinaGeico$1,457
South CarolinaFarmers Insurance$4,374
South CarolinaNationwide$1,183
South CarolinaProgressive$1,751
South CarolinaState Farm$1,524
South CarolinaTravelers$1,397
South CarolinaUSAA$1,348
South DakotaAllstate$1,941
South DakotaAmerican Family$1,322
South DakotaAuto-Owners$1,785
South DakotaGeico$1,688
South DakotaFarmers Insurance$1,717
South DakotaKemper Insurance$1,170
South DakotaNationwide$1,035
South DakotaProgressive$2,141
South DakotaState Farm$1,464
South DakotaUSAA$1,551
TennesseeAllstate$1,928
TennesseeAuto-Owners$1,077
TennesseeGeico$982
TennesseeErie Insurance$1,349
TennesseeFarmers Insurance$1,637
TennesseeNationwide$1,082
TennesseeProgressive$2,025
TennesseeState Farm$1,187
TennesseeTravelers$1,232
TennesseeUSAA$966
TexasAllstate$3,236
TexasAuto Club$1,438
TexasGeico$1,386
TexasFarmers Insurance$2,518
TexasMercury Insurance$1,830
TexasNationwide$1,207
TexasProgressive$1,800
TexasState Farm$1,202
TexasUSAA$1,612
UtahAllstate$1,822
UtahAmerican Family$1,562
UtahAuto-Owners$1,194
UtahGeico$766
UtahFarmers Insurance$1,892
UtahKemper Insurance$2,291
UtahNationwide$1,073
UtahProgressive$1,205
UtahState Farm$1,566
UtahUSAA$901
VirginiaAllstate$1,722
VirginiaAmerican Family$922
VirginiaAuto-Owners$1,285
VirginiaGeico$1,071
VirginiaErie Insurance$1,000
VirginiaFarmers Insurance$2,443
VirginiaKemper Insurance$2,699
VirginiaMercury Insurance$1,297
VirginiaNationwide$779
VirginiaProgressive$1,001
VirginiaState Farm$1,072
VirginiaTravelers$1,050
VirginiaUSAA$831
VermontAllstate$1,704
VermontAmerican Family$914
VermontAuto-Owners$978
VermontGeico$963
VermontFarmers Insurance$1,662
VermontNationwide$830
VermontProgressive$1,757
VermontState Farm$816
VermontUSAA$788
VermontVermont Mutual$1,172
WashingtonAllstate$1,555
WashingtonAmerican Family$1,550
WashingtonAuto-Owners$1,151
WashingtonGeico$962
WashingtonFarmers Insurance$2,258
WashingtonKemper Insurance$1,174
WashingtonNationwide$1,094
WashingtonProgressive$1,253
WashingtonState Farm$1,200
WashingtonTravelers$1,155
WashingtonUSAA$845
WisconsinAllstate$1,633
WisconsinAmerican Family$1,112
WisconsinAuto-Owners$1,281
WisconsinAutomobile Club MI$1,755
WisconsinGeico$749
WisconsinErie Insurance$1,292
WisconsinFarmers Insurance$2,610
WisconsinKemper Insurance$2,392
WisconsinNationwide$802
WisconsinProgressive$1,999
WisconsinState Farm$1,011
WisconsinTravelers$970
WisconsinUSAA$771
West VirginiaAllstate$2,457
West VirginiaAutomobile Club MI$2,183
West VirginiaGeico$917
West VirginiaErie Insurance$1,321
West VirginiaFarmers Insurance$2,351
West VirginiaNationwide$1,047
West VirginiaProgressive$1,701
West VirginiaState Farm$1,258
West VirginiaUSAA$1,061
West VirginiaWestfield Insurance$1,806
WyomingAllstate$2,617
WyomingAmerican National Finance$857
WyomingGeico$2,299
WyomingFarmers Insurance$1,912
WyomingState Farm$1,412
WyomingUSAA$1,144

*Rates were fielded by Quadrant Information Services from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2016 Honda Accord.

Family

Compare Car Insurance Rates by Age

Car insurance rates vary greatly depending on age. Your risk profile as a driver will change throughout your life, so you may be eligible for discounts at some points in your life while other times you may see your car insurance price increase. This is why you want to keep shopping for car insurance throughout your life so you ensure the best value.

Average Car insurance rates for ages 16-19
$6,257 - $4,002
View All
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Car Insurance Comparison Tool

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Our car insurance calculator is easy to use, and it takes less than 10 minutes to complete. Fill out your vehicle information, driver profile, and policy details and we'll show you car insurance quotes directly from major carriers and the opportunity to buy a policy.


Compare car insurance rates for drivers with a DUI

A DUI is a serious violation and puts you in a high-risk driver category, which also means an increase in car insurance rates. The rate increase from a DUI varies from state to state and company to company and can range from 28% to 371%.

CompanyWith DUIAverage Rates
Allstate$5,044$2,513
American Family$2,521$1,738
Auto Club Entreprises$5,487$2,313
Auto-Owners$3,288$1,651
Automobile Club of MI$6,604$2,435
Chubb Ltd$5,633$2,539
CSAA Insurance Exchange$8,505$3,015
Erie Insurance$2,583$1,335
Farmers Insurance$6,019$2,740
Geico$3,573$1,352
The Hartford$9,416$2,458
Iowa Farm Bureau$4,380$2,821
Island Insurance$14,531$1,713
Kemper Insurance$4,596$2,604
Kentucky Farm Bureau$5,481$2,325
Mercury Insurance$3,076$2,092
National General Insurance$3,967$2,883
Nationwide$3,403$1,523
New Jersey Manufacturers$1,704$1,421
North Carolina Farm Bureau$4,747$1,265
Oklahoma Farm Bureau$4,516$2,865
Palisades$2,301$1,341
Progressive$2,753$1,933
Shelter Insurance$3,278$1,991
State Farm$2,905$1,672
Travelers$3,279$1,882
USAA$2,508$1,272
View All

Compare car insurance rates for drivers with a DUI by state

In most states, a DUI will stay on your driving record for at least five years. Here’s the average rates after a DUI in each state.

StateWith DUIAverage Rates
Alaska$1,855$1,286
Alabama$2,781$1,580
Arkansas$2,994$1,652
Arizona$2,873$1,719
California$6,780$2,207
Colorado$3,506$2,125
Connecticut$2,862$1,529
Washington D.C.$3,050$1,909
Delaware$3,109$1,791
Florida$4,551$2,981
Georgia$3,077$1,710
Hawaii$4,150$1,309
Iowa$1,790$1,241
Idaho$1,735$1,082
Illinois$2,798$1,559
Indiana$2,356$1,363
Kansas$2,670$1,557
Kentucky$3,950$2,086
Louisiana$5,348$3,126
Massachusetts$3,233$1,776
Maryland$3,807$2,172
Maine$1,663$1,068
Michigan$10,044$3,915
Minnesota$3,542$1,768
Missouri$3,904$2,669
Mississippi$2,779$1,535
Montana$2,764$1,709
North Carolina$5,870$1,442
North Dakota$2,550$1,357
Nebraska$3,600$1,926
New Hampshire$1,683$1,023
New Jersey$4,254$2,232
New Mexico$2,541$1,657
Nevada$4,169$2,427
New York$2,718$1,822
Ohio$1,861$1,136
Oklahoma$3,036$1,968
Oregon$2,404$1,484
Pennsylvania$2,765$1,508
Rhode Island$3,312$1,923
South Carolina$2,662$1,804
South Dakota$2,920$1,585
Tennessee$2,375$1,360
Texas$3,332$2,036
Utah$2,634$1,629
Virginia$2,202$1,319
Vermont$1,992$1,195
Washington$2,744$1,500
Wisconsin$3,364$1,818
West Virginia$2,669$1,474
Wyoming$3,481$1,880
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Compare car insurance rates by state for drivers with one at-fault accident

According to an Insurance.com rate analysis, car insurance rates go up 31% on average after one at-fault accident. Insurance companies usually charge you for three years after an at-fault accident. How much your rate will go up exactly depends on your driving record, insurance company and the state where you live.

CompanyAfter AccidentAverage Rates
Allstate$4,323$2,513
American Family$2,268$1,738
Auto Club Entreprises$4,070$2,313
Auto-Owners$2,610$1,651
Automobile Club of MI$4,042$2,435
Chubb Ltd$3,749$2,539
CSAA Insurance Exchange$5,048$3,015
Erie Insurance$1,920$1,335
Farmers Insurance$5,052$2,740
Geico$2,719$1,352
The Hartford$5,681$2,458
Iowa Farm Bureau$3,664$2,821
Island Insurance$3,109$1,713
Kemper Insurance$4,590$2,604
Kentucky Farm Bureau$3,123$2,325
Mercury Insurance$3,980$2,092
National General Insurance$4,248$2,883
Nationwide$2,525$1,523
New Jersey Manufacturers$1,533$1,421
North Carolina Farm Bureau$1,900$1,265
Oklahoma Farm Bureau$3,288$2,865
Palisades$2,083$1,341
Progressive$3,444$1,933
Shelter Insurance$3,696$1,991
State Farm$2,184$1,672
Travelers$2,910$1,882
USAA$2,113$1,272
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Compare car insurance rates for drivers with poor credit

Auto insurance companies in most states (except California, Hawaii and Massachusetts) use credit-based insurance scores to help determine auto insurance rates. If your credit is poor, which means below 670, you can expect to pay about 71% more, on average, for car insurance than someone with good credit. That’s a lot, but other factors, like a good driving record, can offset it.

CompanyGood creditPoor credit
Allstate$3,012$4,118
American Family$2,016$3,125
Auto Club Entreprises$2,771$4,349
Auto-Owners$1,988$3,544
Automobile Club of MI$2,797$4,115
Chubb Ltd$3,005$3,683
CSAA Insurance Exchange$4,825$9,150
Erie Insurance$1,790$3,043
Farmers Insurance$3,474$5,787
Geico$1,615$2,272
The Hartford$2,060$3,237
Iowa Farm Bureau$2,996$3,781
Kemper Insurance$2,976$3,571
Kentucky Farm Bureau$3,378$7,126
Mercury Insurance$2,633$3,290
National General Insurance$2,883$2,886
Nationwide$1,631$2,042
New Jersey Manufacturers$1,596$2,229
North Carolina Farm Bureau$1,413$2,019
Oklahoma Farm Bureau$2,865$2,876
Palisades$1,958$3,629
Progressive$2,496$3,364
Shelter Insurance$2,488$3,383
State Farm$2,196$4,264
Travelers$2,252$3,254
USAA$1,488$2,424
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Compare car insurance rates for drivers with poor credit by state

Below you can see the average rate in each state overall compared to the average rate for a driver with poor credit.

StateAverage RatesProblem Credit
Alaska$1,286$2,111
Alabama$1,580$3,293
Arkansas$1,652$3,622
Arizona$1,719$4,024
California$2,207-
Colorado$2,125$3,676
Connecticut$1,529$2,609
Washington D.C.$1,909$3,352
Delaware$1,791$3,345
Florida$2,981$5,534
Georgia$1,710$2,961
Hawaii$1,309-
Iowa$1,241$2,156
Idaho$1,082$2,169
Illinois$1,559$2,758
Indiana$1,363$2,442
Kansas$1,557$2,740
Kentucky$2,086$4,467
Louisiana$3,126$7,253
Massachusetts$1,776-
Maryland$2,172$3,661
Maine$1,068$1,894
Michigan$3,915$8,388
Minnesota$1,768$3,771
Missouri$2,669$4,712
Mississippi$1,535$3,136
Montana$1,709$2,687
North Carolina$1,442$2,045
North Dakota$1,357$2,499
Nebraska$1,926$3,794
New Hampshire$1,023$1,704
New Jersey$2,232$4,362
New Mexico$1,657$2,671
Nevada$2,427$3,933
New York$1,822$4,615
Ohio$1,136$2,195
Oklahoma$1,968$3,654
Oregon$1,484$2,582
Pennsylvania$1,508$2,743
Rhode Island$1,923$3,567
South Carolina$1,804$3,408
South Dakota$1,585$3,252
Tennessee$1,360$2,827
Texas$2,036$3,666
Utah$1,629$3,097
Virginia$1,319$2,330
Vermont$1,195$2,190
Washington$1,500$1,500
Wisconsin$1,818$3,533
West Virginia$1,474$2,671
Wyoming$1,880$3,204
View All

Find 2021’s Average Insurance Rates by Car

Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for approximately 3,000 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.
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Last updated: , by Leslie Kasperowicz