A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.
If you drive under a certain amount of miles every year, you can tell your insurance company and possibly qualify for a low mileage discount. This is a common discount that many drivers actually qualify for but are not aware of. If you only use your car for occasional short trips, you can sign up for a usage-based insurance program that determines your rates based on how much you drive.
Although it’s not hugely impactful, drivers with a Masters or Ph.D. save $44 per year on car insurance premiums, compared to those without a degree. Car insurance companies see clients with higher education levels as less risky and reward that decreased risk with a lower premium. The only states that do not consider education when determining rates are California, Massachusetts, Georgia, Hawaii, and Montana.
We have compiled all the car insurance requirements on a state-by-state basis so you can see at a glance what the minimum coverage is―and what other regulations you may need to comply with in your home state. This information can be especially useful when you are new to a state, or if you are a newly licensed driver. Choose your state below for car insurance requirements in your neck of the woods.
Although it’s not hugely impactful, drivers with a Masters or Ph.D. save $44 per year on car insurance premiums, compared to those without a degree. Car insurance companies see clients with higher education levels as less risky and reward that decreased risk with a lower premium. The only states that do not consider education when determining rates are California, Massachusetts, Georgia, Hawaii, and Montana.
To determine how much auto insurance is best for you comes down to understanding your current economic circumstances and how the different types of coverage work together. If you own a car, buying car insurance is inevitable, so it is really important you are getting the right amount for the right price. The following table gives a quick summary of what types of insurance you should have.
The Insurance Institute for Business and Home Safety: IBHS is an independent nonprofit scientific research and communications organization that provides real-world solutions for home and business owners with a mission to identify and promote the most efficient and effective ways to strengthen homes, businesses and communities against natural disasters and other causes of loss, and by that create a world with more durable and resilient communities
Over eighty years of insuring drivers has made us one of the most trusted names in the industry. We didn’t become the nation’s third largest insurer by simply offering cheap car insurance prices. We did it by offering 24/7 world-class customer support, and earning an A+ superior financial rating from A.M. Best when it comes to servicing claims. That’s why 4 out of 5 customers recommend Progressive.†† And that’s how we’ve earned the confidence of over 18 million drivers.
Liability insurance: Consider this the cornerstone of all car insurance policies, given it’s the type of coverage required by nearly every state. Liability insurance actually falls into two buckets. Bodily Injury (BI) covers the cost of any injuries (or death) that result from an accident you caused, while Property Damage (PD) covers the damage made to another vehicle or piece of property your car crashes into.

In the state of North Carolina, having car insurance is a requirement, and for good reason. Not only do you need to protect your vehicle as an investment, but you also want to make sure you and your family members have coverage in the event of an accident. At First Security Insurance, we know it can be tempting to only take on the minimum coverage, but it’s important to know that these minimum requirements may not provide all of the insurance coverage you need. That’s why we are here to help when you need to improve upon your car insurance policy, so you feel protected anytime you or your family members are on the road.
Below is a table with the three companies with the lowest auto insurance rates for ten of the biggest cities in the state. This will help motorists see a local view of who has the cheapest rates in their hometown. However, these rates are for our single male sample driver, so it is important to remember that your rates will differ based on your vehicle, driving record, and other factors. Auto-Owners, Allied, and North Carolina Farm Bureau dominated as the top three cheapest car insurance companies across the 112 cities we surveyed.
Whether you can get a cheap car insurance quote may come down to your zip code. If you live in a densely populated area, with a high number of auto insurance claims, your premium will be more expensive than that of a person living in a less dense and less claim-laden part of town. Even if you haven’t filed any claims, you could pay more based solely on your neighborhood.

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).


A large part of an insurance premium depends on the type of car you drive. Is it a Corvette? Lamborghini? Maybe a Ferrari? Or perhaps you drive a Chevy Volt? Each car will impact the base cost of your monthly insurance mainly for the replacement value of the vehicle. In fact, some states and auto insurance companies will not cover certain vehicles. Also, high theft risk cars cost more to cover as well. Hummers, for example, are more costly than other SUVs and one of the determining aspects is the Hummer is stolen more often than other models. Either way, your premium may be higher due to one of those situations. Since you probably won't be going out and buying a new car just to lower your auto insurance, it's good to know what else can affect the costs of a new policy.
It's hard to say. You might see rates change as you age, but they don't always go down, so much as they level out or increase at a lower rate. (Remember, the rules of inflation are in effect.) And that assumes you don't incur any red marks on your driving record. As for a change in marital status, you generally have to contact your insurer to get a rate decrease — and if your spouse has a less-than-stellar driving record, well, again, you mind wind up paying more.

Since most people choose one of these large insurers, NerdWallet compared quotes from the five largest auto companies in ZIP codes across the country. Rates are for policies that include minimum coverage required in each state, plus collision and comprehensive coverage. Our “good driver” profile is a 30-year-old with no moving violations and credit in the “good” tier. Use the tabs to see rates for drivers with credit in the “poor” tier and those with one at-fault accident as reported to the insurer.
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