Compare Car Insurance Rates: Get Quotes (2024) - Insurify (2024)

Insurify’s team of expert insurance editors and data analysts examined the average monthly rates of every major national and regional insurance company for every state and different driver profiles. This article will help you better understand how to compare car insurance quotes to find the best policy for your needs at the best price available to you.

How to compare car insurance rates without getting spammed

Comparison shopping car insurance with Insurify gives you access to quotes from top national and regional insurance companies. The process is easy, and we can deliver your personalized quotes in minutes.

1. Get prequalified: Answer a few simple questions to help us understand your driver profile and insurance needs.

2. Compare real-time quotes: Our proprietary technology analyzes your information to deliver multiple personalized, highly accurate, real-time quotes from top insurers.

3. Close on a policy in minutes: Buy your insurance policy entirely online, through our website or app, or talk to one of our agents to bind your policy in minutes.

Here’s a look at average monthly rates from top companies Insurify partners with.

Why it’s important to compare car insurance

Multiple factors affect your car insurance rate, including your age, location, driving record, level of education, and the kind of car you drive. Each insurance company weighs these factors differently, so similar drivers may get very different prices for the same coverage types and limits.

The premium can vary by hundreds of dollars, depending on the insurance company. For example, young drivers typically pay more for car insurance than other age groups.

It’s a good idea to compare personalized quotes every six months, as the marketplace changes quickly.

Everyone wants to find reliable car insurance coverage at the cheapest rate. But the quality, reputation, and financial strength of the insurance company is also important in the event of a claim. The Insurify Quality Score evaluates insurance companies on these factors, as well as price.

Digital insurance agents vs. other ways to compare

You have multiple options for comparing car insurance rates. You can turn to a digital agency, a comparison site, a lead-generation website, or work directly with insurance companies. Each option has advantages and disadvantages.

Here’s how Insurify’s digital agency stacks up to other comparison-shopping platforms and buying directly from car insurance companies.

Don't take our word for it

Insurify is an independent insurance agent, licensed in all 50 states plus Washington, D.C. We make money through commissions and by finding users the lowest, most accurate quotes available based on the information they share. Using our platform could result in hundreds in savings – but absolutely zero spam.

What you need to compare car insurance

To provide you with the most accurate quotes, we need some basic information, including your:

• Name

• Driver’s license

• Age

• Gender

• Driving record

• Zip code

• Make and model of your vehicle

You’ll also need to tell us the level of coverage you want – liability-only or full coverage – your policy limits, and desired deductible. You can get most of this info from your existing car insurance documents, like a declarations page, or your insurance ID cards.

How to get the best value car insurance

Insurance companies set premiums, but you’re still in the driver’s seat when it comes to the auto insurance rates you qualify for. Let’s look at steps you can take to get the best coverage at the lowest rates available to you. We’ll also break down the effort and impact of each step.

• 

  Practice safe driving habits.

  Safe drivers are less likely to get into accidents, and insurers reward them with lower rates. Avoid risky driving behaviors like speeding, hard braking, distracted driving, tailgating, and driving under the influence. Always use your seatbelt and turn signals.

  Potential savings: 34%+

  Effort: Moderate

• 

  Compare car insurance rates.

  Compare car insurance rates. Don’t settle for the first quote you get. Shopping around and comparing rates from different companies can help you find the best deal available to you.

  Potential savings: 30%

  Effort: Very low

• 

  Look for discounts.

  Many insurance companies offer an array of discounts that can lower your car insurance bill. Always ask about potential savings, such as multi-policy, multi-car, safe driver, and student discounts.

  Potential savings: 2%-12%

  Effort: Low

• 

  Maintain good credit.

  Many states allow insurers to consider your credit history, which they use to generate a credit-based insurance score. Insurers use your credit-based insurance score to predict your likelihood of filing insurance claims. Better credit usually leads to lower car insurance rates. Poor credit usually results in higher rates. To work on your credit, check your credit history and score regularly. Pay all your bills on time every month, and avoid maxing out your credit cards.

  Potential savings: 29%-45% (depending on credit rating)

  Effort: High

Coverages you might need

Generally, auto insurers offer two main coverage types: liability-only (often called minimum coverage) or full-coverage car insurance.

Liability-only coverage

Good for: Drivers with older, paid-off vehicles

Every state except New Hampshire requires drivers to have at least a minimum amount of liability insurance. Liability coverage pays for property damage or bodily injury to others that you caused in an at-fault accident. It does not pay to repair or replace your own car after an accident you caused.

Minimum coverage car insurance may make sense if you drive an older, paid-off vehicle, or if the cost to repair or replace your vehicle wouldn’t justify the expense of full coverage car insurance.

Full coverage

Good for: Drivers who need or want to protect their own vehicles

Full coverage policies are the best option for new cars or high-value vehicles which would cost a lot to repair or replace. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage to protect their investment in your vehicle.

Full-coverage car insurance includes liability coverage for at least your state’s required minimum, plus collision and comprehensive coverages for your vehicle. Collision coverage pays for damage to your vehicle if you hit another vehicle or an object like a tree, light pole, or road sign. Comprehensive coverage pays for non-collision events, such as vandalism; damage from falling objects, fire, hail, or wind; and if your car is stolen.

Optional coverages

Most insurance companies also offer optional coverages. Depending on your state requirements, financial situation, or personal preferences, you may consider adding one or more of these coverages to your policy:

• Uninsured/underinsured motorist coverage: UI/UIM coverage can pay if an uninsured or underinsured driver causes damage to your vehicle, or injures you or your passengers.

• Medical payments coverage: Also known as MedPay, medical payments coverage pays medical bills for you and your passengers, without any required deductible or copay – up to your coverage limits.

• Personal injury protection: Personal injury protection (PIP) covers your medical bills and can also pay for non-medical expenses like loss of wages if you can’t work because of accident-related injuries.

• Gap insurance: Also called guaranteed asset protection, gap coverage can help pay off your car loan or lease if your vehicle is totaled and the insurance payout is less than your loan or lease balance.

How your car insurance rate is calculated

Figuring out car insurance rates isn’t straightforward — many factors unique to you play a role. From your age and location to your driving record, let’s unpack how each factor can affect your insurance premiums.

The average annual cost of car insurance

Car insurance rates can vary for a number of reasons, but comparing your rate to averages at the national and state level could help you understand how much you should expect to pay. Currently, the national average cost for full-coverage car insurance is $212 per month; liability averages $103 per month.

Insurify data shows that car insurance rates increased 24% in 2023. Our analysts predict drivers will see rates climb another 7% in 2024.

Check out our latest car insurance report for more insight into how car insurance rates are changing.

FAQs about comparing auto insurance quotes

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.