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Comparing car insurance quotes from multiple companies is the best way to get cheap car insurance. The average savings is $1,600 a year for a full coverage policy after shopping around, so it's well worth your time.

It's easy to compare auto insurance rates and save. Below you'll find expert advice on how to shop for car insurance and how to compare car insurance quotes. You'll also find average car insurance rates for a variety of locations and driver profiles to see if your rate is high or low in comparison.

KEY TAKEAWAYS
  • Comparing car insurance rates from multiple companies saves an average of $1,600 a year on a full coverage policy.
  • Compare quotes from three to five different car insurance companies to find the best price on the coverage you need; the more quotes you compare, the better your chances of finding the best deal.
  • Make sure to compare quotes for auto insurance policies with the same coverage levels and deductibles for a fair comparison.

How to compare car insurance quotes

Start your car insurance quote comparison online with just a few easy steps.

1. Choose your car insurance coverage

Before requesting auto insurance quotes, review your current policy. If you're comfortable with your coverage levels, request quotes with the same coverage. If you want more coverage, or to drop coverage you no longer need, make adjustments before you request quotes. Make to compare apples-to-apples, with the same coverage on every quote for a fair comparison.

If you’re not sure how much coverage you need, our car insurance coverage calculator can help. If you're new to buying car insurance, spend some time learning more about the types of car insurance coverage.

2. Have driver and vehicle information 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.
  • The make, model, and year (or the VINs) for all cars in the household.
  • A list of any tickets or accidents for drivers in your household in the past three years.

It's important to be truthful in order to get the most accurate car insurance quotes.

3. Get car insurance quotes from multiple companies

Request car insurance quotes from three to five auto insurance companies

4. Compare car insurance by cost and coverage

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

  • Which company offers the cheapest auto insurance?
  • How do the quotes compare with your current premium?
  • What discounts do you qualify for, and how much can you save?
  • Can you get better coverage for the same price you are paying now?
  • Is the insurer offering any value-added benefits like roadside assistance at no additional cost?

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 check that they have good financial stability ratings and have good customer reviews for support, billing and claims. You can do this quickly by checking their AM 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 change depending on ZIP code – because of factors like the number of accidents and thefts. Compare how much you pay for car insurance with state averages here.

StateState Minimum Liability Only50/100/50
Liability Only
Full Coverage 100/300/100
Alaska$398$508$1,676
Alabama$433$639$1,860
Arkansas$397$589$1,957
Arizona$516$764$1,812
California$551$864$2,416
Colorado$437$717$2,337
Connecticut$704$783$1,725
Washington D.C.$558$785$2,157
Delaware$788$1,022$2,063
Florida$993$1,629$2,694
Georgia$577$789$1,970
Hawaii$396$572$1,517
Iowa$260$320$1,630
Idaho$357$440$1,428
Illinois$421$471$1,532
Indiana$417$498$1,515
Kansas$434$471$1,900
Kentucky$606$810$2,228
Louisiana$722$1,266$2,883
Massachusetts$511$655$1,726
Maryland$727$756$1,746
Maine$335$341$1,175
Michigan$604$645$2,266
Minnesota$475$512$1,911
Missouri$488$582$1,982
Mississippi$463$637$2,008
Montana$350$540$2,193
North Carolina$476$523$1,741
North Dakota$349$370$1,665
Nebraska$331$373$1,902
New Hampshire$397$416$1,265
New Jersey$853$915$1,902
New Mexico$421$658$2,049
Nevada$720$1,042$2,060
New York$731$827$1,870
Ohio$362$446$1,417
Oklahoma$408$657$2,138
Oregon$641$710$1,678
Pennsylvania$375$504$1,872
Rhode Island$646$808$2,061
South Carolina$720$925$2,009
South Dakota$307$338$2,280
Tennessee$442$547$1,677
Texas$572$774$2,043
Utah$582$756$1,825
Virginia$428$477$1,469
Vermont$306$324$1,319
Washington$438$731$1,608
Wisconsin$365$425$1,664
West Virginia$510$585$2,005
Wyoming$288$331$1,758

Compare car insurance rates by company

Car insurance rates can be vastly different from one company to the next, which is why it's so critical to shop around and compare 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 from other companies 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 rates for major companies in each state.

StateCompanyAverage Rates
AlaskaUSAA$1,166
AlaskaGeico$1,338
AlaskaState Farm$1,713
AlaskaProgressive$1,742
AlaskaWestern National Mutual$1,984
AlaskaAllstate$2,114
AlabamaNationwide$1,345
AlabamaTravelers$1,428
AlabamaUSAA$1,458
AlabamaGeico$1,625
AlabamaCountry Financial$1,694
AlabamaState Farm$1,790
AlabamaAuto-Owners$2,134
AlabamaAllstate$2,178
AlabamaProgressive$2,402
AlabamaFarmers$2,542
ArkansasUSAA$1,090
ArkansasTravelers$1,442
ArkansasNationwide$1,503
ArkansasShelter Insurance$1,690
ArkansasGeico$1,794
ArkansasSouthern Farm Bureau$1,926
ArkansasState Farm$2,060
ArkansasFarmers$2,248
ArkansasProgressive$2,431
ArkansasAllstate$2,729
ArkansasAlfa Corporation$3,225
ArizonaGeico$1,312
ArizonaTravelers$1,489
ArizonaAuto-Owners$1,539
ArizonaUSAA$1,581
ArizonaNationwide$1,726
ArizonaProgressive$1,903
ArizonaAllstate$2,215
ArizonaState Farm$2,233
ArizonaFarmers$2,331
CaliforniaUSAA$1,827
CaliforniaGeico$1,919
CaliforniaMercury Insurance$2,031
CaliforniaProgressive$2,179
CaliforniaKemper Insurance$2,429
CaliforniaTravelers$2,460
CaliforniaAuto Club Enterprises (AAA)$2,466
CaliforniaCSAA Insurance (AAA)$2,600
CaliforniaAllstate$2,627
CaliforniaState Farm$2,701
CaliforniaNationwide$2,799
CaliforniaFarmers$3,035
ColoradoGeico$1,445
ColoradoUSAA$1,559
ColoradoSouthern Farm Bureau$1,780
ColoradoKemper Insurance$1,878
ColoradoState Farm$1,950
ColoradoAllstate$2,774
ColoradoProgressive$2,796
ColoradoAuto-Owners$2,874
ColoradoFarmers$3,578
ColoradoAcuity Insurance$3,769
ConnecticutUSAA$606
ConnecticutGeico$1,242
ConnecticutKemper Insurance$1,571
ConnecticutProgressive$1,708
ConnecticutState Farm$1,733
ConnecticutNationwide$1,766
ConnecticutFarmers$2,192
ConnecticutAllstate$2,195
ConnecticutAmica Mutual$2,516
Washington, D.C.USAA$1,230
Washington, D.C.Geico$1,408
Washington, D.C.Progressive$1,488
Washington, D.C.Erie Insurance$1,581
Washington, D.C.State Farm$2,426
Washington, D.C.Nationwide$2,558
Washington, D.C.Chubb Ltd$2,799
Washington, D.C.Allstate$3,769
DelawareUSAA$1,463
DelawareNationwide$1,498
DelawareTravelers$1,595
DelawareGeico$1,695
DelawareProgressive$1,999
DelawareState Farm$2,153
DelawareDonegal$2,673
DelawareAmerican Family$2,709
DelawareAllstate$3,631
DelawareSentry Insurance$4,066
FloridaState Farm$2,119
FloridaNationwide$2,150
FloridaGeico$2,214
FloridaTravelers$2,356
FloridaUnited Automobile Insurance$2,796
FloridaProgressive$2,902
FloridaNational General Insurance$3,103
FloridaFarmers$3,261
FloridaMercury Insurance$3,358
FloridaAllstate$3,569
GeorgiaAuto-Owners$1,529
GeorgiaUSAA$1,562
GeorgiaProgressive$1,656
GeorgiaCentral Insurance$1,706
GeorgiaCountry Financial$1,880
GeorgiaAllstate$2,014
GeorgiaGeico$2,072
GeorgiaMercury Insurance$2,219
GeorgiaState Farm$2,344
GeorgiaSafeway Insurance$2,812
HawaiiUSAA$1,067
HawaiiGeico$1,184
HawaiiProgressive$1,279
HawaiiFarmers$1,495
HawaiiIsland Insurance$1,771
HawaiiAllstate$1,882
HawaiiState Farm$1,938
IowaUSAA$1,165
IowaTravelers$1,238
IowaState Farm$1,306
IowaWest Bend Mutual$1,311
IowaAuto-Owners$1,461
IowaProgressive$1,589
IowaIMT Insurance$1,634
IowaGeico$1,716
IowaIowa Farm Bureau$1,796
IowaAllstate$2,126
IowaGrinnell Mutual$2,591
IdahoUSAA$742
IdahoAuto-Owners$916
IdahoState Farm$1,120
IdahoGeico$1,174
IdahoTravelers$1,263
IdahoNationwide$1,505
IdahoFarmers$1,606
IdahoFarm Bureau$1,652
IdahoAllstate$1,945
IdahoSentry Insurance$2,352
IllinoisAutomobile Club MI (AAA)$979
IllinoisTravelers$1,119
IllinoisGeico$1,178
IllinoisProgressive$1,412
IllinoisAuto-Owners$1,426
IllinoisErie Insurance$1,489
IllinoisCountry Financial$1,609
IllinoisState Farm$1,633
IllinoisUSAA$1,745
IllinoisAllstate$2,742
IndianaUSAA$783
IndianaGeico$986
IndianaAuto-Owners$1,188
IndianaTravelers$1,264
IndianaNationwide$1,309
IndianaProgressive$1,480
IndianaIndiana Farmers$1,604
IndianaState Farm$1,616
IndianaFarmers$1,956
IndianaIndiana Farm Bureau Grp$2,153
IndianaAllstate$2,324
KansasUSAA$1,151
KansasNationwide$1,316
KansasTravelers$1,601
KansasGeico$1,622
KansasProgressive$1,937
KansasState Farm$1,976
KansasFarmers$1,992
KansasShelter Insurance$2,230
KansasIowa Farm Bureau$2,289
KansasAllstate$2,968
KentuckyTravelers$1,804
KentuckyUSAA$1,820
KentuckyAuto-Owners$1,911
KentuckyShelter Insurance$1,917
KentuckyGeico$2,106
KentuckyKentucky Farm Bureau$2,113
KentuckyProgressive$2,714
KentuckyState Farm$2,753
KentuckyAllstate$3,127
KentuckyFarmers$3,548
LouisianaUSAA$1,973
LouisianaSouthern Farm Bureau$2,121
LouisianaGeico$2,983
LouisianaFarmers$3,002
LouisianaProgressive$3,065
LouisianaLA Farm Bureau$3,122
LouisianaSafeway Insurance$3,191
LouisianaAuto Club Enterprises (AAA)$3,473
LouisianaState Farm$3,570
MassachusettsState Farm$689
MassachusettsGeico$1,269
MassachusettsPlymouth Rock Assurance$1,409
MassachusettsUSAA$1,442
MassachusettsSafety Insurance$1,517
MassachusettsArbella Insurance$1,708
MassachusettsFarmers$1,966
MassachusettsProgressive$2,016
MassachusettsAmica Mutual$2,052
MassachusettsTravelers$2,274
MassachusettsAllstate$2,694
MarylandUSAA$1,043
MarylandGeico$1,262
MarylandNationwide$1,363
MarylandTravelers$1,523
MarylandKemper Insurance$1,603
MarylandErie Insurance$1,685
MarylandProgressive$1,895
MarylandPenn National Insurance$1,911
MarylandState Farm$2,177
MarylandAllstate$3,108
MaineAuto-Owners$707
MaineUSAA$827
MaineTravelers$853
MaineProgressive$1,106
MaineAllstate$1,147
MaineGeico$1,228
MaineState Farm$1,262
MaineMMG Insurance$1,461
MaineFrankenmuth Insurance$1,492
MaineFarmers$1,664
MichiganTravelers$1,355
MichiganUSAA$1,514
MichiganGeico$1,553
MichiganProgressive$2,069
MichiganAuto-Owners$2,080
MichiganAutomobile Club MI (AAA)$2,526
MichiganPioneer State Mutual$2,649
MichiganFrankenmuth Insurance$2,822
MichiganMichigan Farm Bureau$2,911
MichiganState Farm$3,601
MinnesotaNationwide$1,363
MinnesotaUSAA$1,382
MinnesotaState Farm$1,525
MinnesotaTravelers$1,618
MinnesotaAutomobile Club MI (AAA)$1,636
MinnesotaAuto-Owners$1,693
MinnesotaNorth Star Mutual$2,257
MinnesotaAllstate$2,388
MinnesotaGeico$2,495
MinnesotaWestern National Mutual$2,769
MissouriUSAA$1,086
MissouriNationwide$1,361
MissouriTravelers$1,515
MissouriMissouri Farm Bureau Grp$1,845
MissouriShelter Insurance$1,906
MissouriProgressive$1,960
MissouriState Farm$2,072
MissouriAuto Club Enterprises (AAA)$2,346
MissouriAllstate$2,852
MissouriGeico$3,217
MississippiUSAA$1,320
MississippiNationwide$1,331
MississippiTravelers$1,636
MississippiState Farm$1,797
MississippiSouthern Farm Bureau$1,933
MississippiProgressive$2,131
MississippiGeico$2,210
MississippiShelter Insurance$2,469
MississippiAllstate$2,527
MississippiSafeway Insurance$2,946
MontanaUSAA$919
MontanaNationwide$1,394
MontanaState Farm$1,858
MontanaGeico$2,382
MontanaProgressive$2,414
MontanaKemper Insurance$2,692
MontanaFarmers$2,939
MontanaAllstate$2,949
North CarolinaErie Insurance$1,082
North CarolinaState Farm$1,180
North CarolinaNorth Carolina Farm Bureau$1,217
North CarolinaNationwide$1,513
North CarolinaGeico$1,617
North CarolinaPenn National Insurance$1,872
North CarolinaFarmers$2,028
North CarolinaProgressive$2,028
North CarolinaUTICA Grp$2,070
North CarolinaAllstate$2,994
North DakotaUSAA$826
North DakotaAmerican Family$1,092
North DakotaNationwide$1,152
North DakotaProgressive$1,403
North DakotaAuto-Owners$1,717
North DakotaState Farm$1,738
North DakotaGeico$1,773
North DakotaNorth Star Mutual$1,959
North DakotaFarmers$2,077
North DakotaNodak Insurance$2,233
North DakotaAllstate$2,339
NebraskaAuto-Owners$1,193
NebraskaNationwide$1,216
NebraskaUSAA$1,328
NebraskaShelter Insurance$1,647
NebraskaFarmers Mut Ins Co of NE$1,910
NebraskaProgressive$1,964
NebraskaState Farm$2,344
NebraskaGeico$2,372
NebraskaIowa Farm Bureau$2,430
NebraskaAllstate$2,621
New HampshireAuto-Owners$803
New HampshireUSAA$852
New HampshireThe Hanover$1,027
New HampshireMMG Insurance$1,038
New HampshireNationwide$1,145
New HampshireState Farm$1,155
New HampshireGeico$1,212
New HampshireProgressive$1,343
New HampshireFarmers$1,954
New HampshireAllstate$2,123
New JerseyNew Jersey Manufacturers$1,318
New JerseyGeico$1,563
New JerseyTravelers$1,706
New JerseyPlymouth Rock Assurance$1,737
New JerseySelective Insurance$1,908
New JerseyState Farm$2,153
New JerseyProgressive$2,187
New JerseyFarmers$2,254
New JerseyAllstate$2,294
New MexicoUSAA$1,054
New MexicoGeico$1,406
New MexicoCentral Insurance$1,517
New MexicoProgressive$1,557
New MexicoState Farm$1,669
New MexicoNationwide$1,806
New MexicoFarmers$2,740
New MexicoAllstate$2,834
New MexicoIowa Farm Bureau$2,912
New MexicoKemper Insurance$3,268
NevadaState Farm$1,443
NevadaUSAA$1,672
NevadaGeico$1,708
NevadaTravelers$1,995
NevadaMercury Insurance$2,156
NevadaFarmers$2,328
NevadaAmerican Family$2,429
NevadaProgressive$2,482
NevadaAllstate$2,614
NevadaCSAA Insurance (AAA)$3,651
New YorkProgressive$1,020
New YorkNYCM Insurance$1,300
New YorkUSAA$1,557
New YorkGeico$1,736
New YorkErie Insurance$1,814
New YorkState Farm$1,951
New YorkAllstate$2,056
New YorkThe Hanover$2,262
New YorkTravelers$2,677
New YorkChubb Ltd$2,942
OhioGrange Mutual$986
OhioUSAA$994
OhioAuto-Owners$1,109
OhioErie Insurance$1,132
OhioTravelers$1,336
OhioGeico$1,373
OhioCincinnati Insurance$1,624
OhioProgressive$1,626
OhioWestfield Insurance$1,673
OhioFarmers$1,794
OhioAllstate$1,942
OklahomaProgressive$1,194
OklahomaUSAA$1,447
OklahomaGeico$1,820
OklahomaState Farm$1,861
OklahomaShelter Insurance$2,055
OklahomaAFR Insurance$2,063
OklahomaMercury Insurance$2,237
OklahomaAllstate$2,699
OklahomaFarmers$2,717
OklahomaOklahoma Farm Bureau$3,295
OregonOregon Mutual$1,147
OregonUSAA$1,277
OregonTravelers$1,318
OregonNationwide$1,411
OregonState Farm$1,502
OregonCountry Financial$1,527
OregonGeico$1,683
OregonProgressive$1,765
OregonFarmers$2,210
OregonAllstate$2,945
PennsylvaniaTravelers$952
PennsylvaniaNationwide$1,196
PennsylvaniaErie Insurance$1,550
PennsylvaniaUSAA$1,806
PennsylvaniaWestfield Insurance$1,872
PennsylvaniaDonegal$1,913
PennsylvaniaProgressive$2,193
PennsylvaniaGeico$2,308
PennsylvaniaState Farm$2,473
PennsylvaniaAllstate$2,503
Rhode IslandUSAA$1,147
Rhode IslandState Farm$1,319
Rhode IslandAmerican Family$1,833
Rhode IslandProgressive$1,841
Rhode IslandNationwide$1,911
Rhode IslandTravelers$1,946
Rhode IslandAmica Mutual$2,206
Rhode IslandGeico$2,292
Rhode IslandAllstate$2,993
Rhode IslandFarmers$3,336
South CarolinaUSAA$1,451
South CarolinaAuto-Owners$1,475
South CarolinaProgressive$1,816
South CarolinaTravelers$1,949
South CarolinaGeico$2,054
South CarolinaState Farm$2,106
South CarolinaSouthern Farm Bureau$2,202
South CarolinaAllstate$2,336
South CarolinaSentry Insurance$3,681
South DakotaNationwide$1,526
South DakotaUSAA$1,780
South DakotaFarmers Mut Ins Co of NE$1,989
South DakotaAllstate$2,070
South DakotaState Farm$2,096
South DakotaFarmers$2,207
South DakotaGeico$2,384
South DakotaAuto-Owners$2,566
South DakotaIowa Farm Bureau$2,736
South DakotaNorth Star Mutual$2,744
South DakotaProgressive$3,163
TennesseeUSAA$1,194
TennesseeTennessee Farmers$1,355
TennesseeTravelers$1,395
TennesseeProgressive$1,550
TennesseeGeico$1,565
TennesseeErie Insurance$1,598
TennesseeNationwide$1,632
TennesseeState Farm$1,677
TennesseeFarmers$1,770
TennesseeAllstate$3,032
TexasTexas Farm Bureau$1,301
TexasNationwide$1,502
TexasGeico$1,644
TexasRedpoint County Mutual$1,681
TexasUSAA$1,812
TexasState Farm$1,956
TexasAuto Club Enterprises (AAA)$1,983
TexasAllstate$2,941
TexasProgressive$3,032
TexasFarmers$4,127
UtahNationwide$1,135
UtahUSAA$1,237
UtahGeico$1,325
UtahAuto-Owners$1,393
UtahProgressive$1,845
UtahUnited Insurance Co$2,071
UtahIowa Farm Bureau$2,154
UtahState Farm$2,175
UtahAllstate$2,279
UtahFarmers$2,638
VirginiaVirginia Farm Bureau$1,167
VirginiaTravelers$1,169
VirginiaUSAA$1,192
VirginiaErie Insurance$1,288
VirginiaGeico$1,382
VirginiaAuto-Owners$1,405
VirginiaState Farm$1,479
VirginiaAllstate$2,021
VirginiaProgressive$2,120
VermontUSAA$803
VermontProgressive$926
VermontNationwide$935
VermontAuto-Owners$992
VermontState Farm$1,139
VermontGeico$1,276
VermontVermont Mutual$1,413
VermontCo-operative Insurance$1,640
VermontAllstate$1,733
VermontFarmers$2,333
WashingtonUSAA$853
WashingtonGeico$1,171
WashingtonPEMCO$1,326
WashingtonTravelers$1,503
WashingtonNationwide$1,658
WashingtonFarmers$1,714
WashingtonAmerican Family$1,750
WashingtonAllstate$1,766
WashingtonState Farm$1,794
WashingtonProgressive$2,554
WisconsinUSAA$984
WisconsinTravelers$1,089
WisconsinGeico$1,195
WisconsinNationwide$1,287
WisconsinErie Insurance$1,313
WisconsinWest Bend Mutual$1,373
WisconsinAcuity Insurance$1,933
WisconsinProgressive$2,128
WisconsinFarmers$2,139
WisconsinState Farm$2,378
WisconsinAllstate$2,515
West VirginiaUSAA$1,189
West VirginiaNationwide$1,215
West VirginiaState Farm$1,691
West VirginiaErie Insurance$1,709
West VirginiaProgressive$1,825
West VirginiaWestfield Insurance$2,111
West VirginiaGeico$2,248
West VirginiaFarmers$2,442
West VirginiaEncova$2,933
West VirginiaAllstate$3,132
WyomingAmerican National Finance$827
WyomingUSAA$1,230
WyomingState Farm$1,521
WyomingFarmers$1,623
WyomingGeico$2,514
WyomingAllstate$2,831

*Rates were fielded in 2022 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 2021 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 puts you in a high-risk driver category, which also means an increase in car insurance rates. The rate increase from a DUI varies and can range from 28% to an incredible 371%.

CompanyWith DUIClean record
State Farm$3,620$1,672
Geico$4,682$1,356
Allstate$6,056$2,510
USAA$2,789$1,263
Progressive$3,336$1,984
Nationwide$3,981$1,530
Travelers$4,280$1,867
Farmers$4,398$2,809

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 are the average rates after a DUI in each state.

StateWith DUIClean record
Alaska$2,096$1,288
Alabama$2,884$1,517
Arkansas$3,038$1,483
Arizona$3,336$1,661
California$8,047$2,206
Colorado$3,638$1,977
Connecticut$3,239$1,455
Washington, D.C.$3,514$1,904
Delaware$3,165$1,751
Florida$4,914$3,008
Georgia$3,714$1,618
Hawaii$5,487$1,309
Iowa$2,133$1,241
Idaho$2,138$1,011
Illinois$3,185$1,364
Indiana$2,651$1,282
Kansas$3,202$1,493
Kentucky$4,189$1,865
Louisiana$5,722$3,197
Massachusetts$3,905$1,760
Maryland$3,356$1,966
Maine$1,880$1,049
Michigan$14,223$4,013
Minnesota$4,851$1,686
Missouri$3,970$2,372
Mississippi$3,085$1,405
Montana$3,577$1,766
North Carolina$5,799$1,396
North Dakota$2,767$1,232
Nebraska$4,374$1,847
New Hampshire$1,942$952
New Jersey$4,378$2,262
New Mexico$2,828$1,695
Nevada$4,597$2,389
New York$3,294$1,867
Ohio$2,056$1,114
Oklahoma$3,339$1,852
Oregon$2,745$1,502
Pennsylvania$2,696$1,297
Rhode Island$3,654$1,792
South Carolina$3,216$1,811
South Dakota$3,581$1,558
Tennessee$2,675$1,311
Texas$3,526$1,981
Utah$2,979$1,601
Virginia$2,223$1,228
Vermont$2,229$1,057
Washington$2,666$1,351
Wisconsin$3,763$1,573
West Virginia$3,027$1,424
Wyoming$4,114$1,763

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 AccidentClean record
Alaska$2,041$1,288
Alabama$2,488$1,501
Arkansas$2,391$1,440
Arizona$2,653$1,673
California$4,237$2,114
Colorado$2,806$1,759
Connecticut$2,484$1,488
Washington, D.C.$3,113$1,904
Delaware$2,593$1,633
Florida$4,402$2,879
Georgia$2,710$1,594
Hawaii$1,900$1,269
Iowa$1,949$1,231
Idaho$1,624$1,038
Illinois$2,256$1,302
Indiana$2,360$1,280
Kansas$2,267$1,469
Kentucky$3,129$1,843
Louisiana$5,180$2,973
Massachusetts$2,869$1,706
Maryland$3,206$1,928
Maine$1,791$1,107
Michigan$6,892$4,236
Minnesota$2,719$1,619
Missouri$3,052$1,862
Mississippi$2,263$1,405
Montana$2,557$1,650
North Carolina$2,876$1,524
North Dakota$1,964$1,243
Nebraska$2,632$1,604
New Hampshire$1,588$953
New Jersey$4,757$2,340
New Mexico$2,297$1,488
Nevada$3,236$2,045
New York$2,021$1,498
Ohio$1,927$1,137
Oklahoma$2,784$1,703
Oregon$2,532$1,454
Pennsylvania$1,911$1,298
Rhode Island$1,992$1,773
South Carolina$2,833$1,810
South Dakota$2,446$1,614
Tennessee$2,184$1,321
Texas$3,577$2,014
Utah$2,549$1,471
Virginia$1,887$1,075
Vermont$1,722$1,108
Washington$2,202$1,333
Wisconsin$2,443$1,398
West Virginia$2,228$1,373
Wyoming$2,496$1,763

Compare car insurance rates for drivers with poor credit vs. good credit

Auto insurance companies in most states (exceptions are 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
State Farm$1,672$4,264
Geico$1,356$2,284
Allstate$2,510$4,117
USAA$1,263$2,401
Progressive$1,984$3,483
Nationwide$1,530$2,055
Travelers$1,867$3,253
Farmers$2,809$5,058

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 RatesPoor Credit
Alaska$1,288$2,119
Alabama$1,517$3,015
Arkansas$1,483$3,167
Arizona$1,661$3,926
California$2,206NA
Colorado$1,977$3,295
Connecticut$1,455$2,315
Washington, D.C.$1,904$3,355
Delaware$1,751$3,156
Florida$3,008$4,862
Georgia$1,618$2,701
Hawaii$1,309NA
Iowa$1,241$2,156
Idaho$1,011$2,049
Illinois$1,364$2,426
Indiana$1,282$2,129
Kansas$1,493$2,549
Kentucky$1,865$3,814
Louisiana$3,197$7,448
Massachusetts$1,760NA
Maryland$1,966$3,412
Maine$1,049$1,759
Michigan$4,013$8,600
Minnesota$1,686$3,608
Missouri$2,372$4,157
Mississippi$1,405$2,961
Montana$1,766$2,747
North Carolina$1,396$2,069
North Dakota$1,232$2,154
Nebraska$1,847$3,606
New Hampshire$952$1,545
New Jersey$2,262$3,988
New Mexico$1,695$2,516
Nevada$2,389$3,711
New York$1,867$4,753
Ohio$1,114$2,056
Oklahoma$1,852$3,326
Oregon$1,502$2,586
Pennsylvania$1,297$2,373
Rhode Island$1,792$3,225
South Carolina$1,811$3,427
South Dakota$1,558$3,210
Tennessee$1,311$2,612
Texas$1,981$3,329
Utah$1,601$3,024
Virginia$1,228$2,151
Vermont$1,057$1,919
Washington$1,351$1,351
Wisconsin$1,573$3,166
West Virginia$1,424$2,554
Wyoming$1,763$2,870

Compare 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