For the full list of insurers, see below, where they're ranked from most affordable to most expensive. Rates are based on the average of our two drivers, who haven't had any traffic violations or accidents in the past five years. Based on your experience as a driver, and the types and amounts of coverage you choose on your auto insurance policy among other factors, your quotes will differ.
In most states, a DUI is the most costly violation you can receive. Moreover, in states like California, it will stay on your insurance record for 10 years! Based on our analysis of the most popular car insurance companies, this would set you back an average of $12,491 in insurance rate increases during that 10-year period. To limit your costs, do your due diligence and shop around: State Farm and Liberty Mutual are the cheapest insurance options after a DUI — so consider starting there.
When you work with us at First Security Insurance, you’ll find that our experienced team won’t try to sell you car insurance that doesn’t meet your requirements or your budget. We offer a free, no-obligation review of your car insurance options, give comparative quotes, and provide honest and efficient service. It’s important to us that you feel confident in your decisions as you determine which car insurance coverage works best, and we will work with you any time you need to make adjustments on your policies.
Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you launch your quote hunt, review your existing policy and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.
These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, often at a far less attractive rate. This is because lead generations sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.
All insurers base their rates on risk. We're talking car insurance, so the company is primarily trying to determine how likely you are to get into an accident. Obviously, if you have a poor driving record or you're on the road all the time, the odds are less in your favor. But statistics show women get into fewer accidents than men as do married individuals versus single ones. Younger drivers, conversely, get into more accidents than older drivers. All that data on your demo can influence what insurers charge.
Of the biggest auto insurers in the U.S. - State Farm, GEICO, Allstate, Progressive and Farmers - State Farm ranks as the greatest overall. State Farm was rated 4/5 stars by customers and policyholders in a JD Power survey on companies shopping experience. State Farm is best known for its large agent network; they boast over 18,000 across the nation. It shouldn't be surprising then that State Farm gets 5/5 stars for how its agents interact with customers. As well, State Farm is great when it comes to offering discounts. If you go with State Farm you will have up to 15 discounts to be eligible for which can equal hundreds of dollars worth of savings.
Your location can have a huge impact on your insurance premium. Like many industries in the US, car insurance is regulated at the state level and is dictated by each state’s regulations. If you live in an area prone to floods, hurricanes, or wildfires, your rate will be elevated, as insurance companies compensate for these risks. Dive into the data and find check out your expected costs with our list of car insurance rates by city.
That’s also hard to say. Beyond how much coverage you’re looking to buy, the cost of car insurance is affected by driving record, place of residence, type of car, how much you drive and your personal details (age, gender, marital status, etc.) But just so you have a frame of reference for what types of prices to expect, the average annual cost for car insurance was about $900 back in 2014.
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.

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.
Nick Dehn is a writer currently serving as a content specialist for Insurify. A seasoned writer, Nick has produced feature pieces, opinion editorials, and press releases for start-ups, small businesses, and local news publications. He now develops content full-time for Insurify, researching and writing data-driven studies and producing insights on the insurance industry. Nick is an alumnus of Williams College, where he graduated cum laude with a degree in English and Sociology. He hails from Wilton, CT but has recently set roots in Cambridge, MA. Nick enjoys exploring the greater Boston area, making stir-fry, and award-show prognosticating.
How it works: Once I launched the quoting tool for auto insurance, I was greeted by a large-print brag that “Drivers Pay As Low As $29.32/Month for Car Insurance.” When I began filling in my vehicle information, the site offered to save me time by looking up the information for me—a frightening reminder of how much of our personal information is available online. The contact information fields were accompanied by text stating that “we respect your privacy” and “NO SPAM, privacy guaranteed.”
Premium price may be most affected by discounts. The newest rate reduction can be found in devices that track your driving. Many insurers offer a premium reduction for installing the device and taking part in the program. Another way to save is to pay your 6-month premium in the beginning. Over the course of the policy, you will have paid less premium. If you want more saving discounts, please check our 8 Simple Ways to Save You 90% on Your Car Insurance.
While this varies from insurer to insurer, generally a learner driver will be covered by a car insurance policy as long as there is an instructing passenger in the front seat who is a fully licensed regular driver. In most cases, you don’t have to pay an additional premium but if the learner driver has an accident, you might have to pay an age or inexperience deductible or both. Of course, they must abide by the terms and conditions of the policy as well. If you drive while pregnant, it won’t affect your policy unless you’ve been advised to refrain from driving or that your pregnancy could negatively affect your capacity to drive. To ensure you are fully able to drive, it is a good idea to consult your doctor.
Naturally, insurance companies use your driving past as an indicator of how you will drive in the future. It can be difficult to find affordable car insurance if you have a checkered driving history. While it’s very unlikely you will find an insurance company that won’t increase your premium after an at-fault accident or other violation, the degree of the rate increase will vary by company. Let’s compare rate increases for some common violations across major insurance companies.

Results: Once I submitted my information, the site produced one quote, along with six links to other insurance companies. “View my quote” buttons next to each quote took me to the beginning of the insurance website’s own quoting tool, making it clear that these were strictly hypothetical rates. Everquote provided a blurb of marketing text about two of the companies and no helpful information whatsoever to guide my decision.
Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie had the best rate when it came to insuring our driver's Toyota. These five companies average a premium of $680 for our sample drivers - that's a a 16% difference from the state mean. All these companies are national insurers, with the exception of North Carolina Farm Bureau. The Farm Bureau is an organization that requires membership and annual dues in order to be eligible for their auto insurance products. You don't have to be involved in the farming community to sign up, and member dues are $25 statewide in North Carolina.
As with any credit check, a record of this search will remain on your file – and your credit rating will affect the amount of APR that you’re charged. If you have a poor credit rating, you may be charged up to 20% APR. And if you’ve struggled to pay credit in the past, or if you have a CCJ to your name, then you may be denied the option to pay monthly. If you think you’ll have issues with your credit rating, you can read our guide on improving your credit score.
When you get an insurance quote, an agent might add extraneous coverage. Unlike your home, your vehicle will rapidly depreciate in value, meaning the coverage you once had might not be necessary after a few years. For example, collision and comprehensive coverage are designed to protect your vehicle from damage. But if your vehicle is worth less than $4,000, the value of insurance payout you would receive may not justify the cost of your insurance premium.
New York - New Yorkers get all of the information they need on NY's Department of Financial Services website insurance industry section. Whether you are from New York City - Manhattan, Queens, Brooklyn, The Bronx, Staten Island or any other NYC location, Buffalo, Rochester or any other city within New York, you will most likely find all of the local insurance information that you need here: Consumer Resources, Agents & Brokers, Companies, Applications & Licensing
Insurance comparison websites can be further broken down into sites that provide real-time insurance quotes versus those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date; to get the most accurate information you should use a site that provides real-time quotes generated by the insurance companies.

The type of vehicle you insure will impact your car insurance rate. Insuring a large truck or luxury vehicle is more expensive than insuring a sedan with standard trim. This is because collision and comprehensive coverage are designed to replace your vehicle in the event of an accident. The more it costs to replace your vehicle, the more it costs to insure it. Simple as that.

Across the board, the longer and with the higher limits you have insurance, the cheaper your premium will be. Using historical data, insurance companies see those with above state minimum requirements as less likely to file a claim or get into an accident. Because of the decreased risk you present, insurance companies tend to lower your rates. In essence, the longer you've been insured for, the lower your rates will be, with all other metrics kept constant.
Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. Homeowners, renters and condo coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. © 2018 GEICO
The type of car you drive matters. If you drive a vehicle that is listed as high theft, or more likely to be involved in an accident, expect to pay higher premiums. Even cars that have collision protection can actually drive up the price due to the cost of repairs. Other things that will drive the cost of repairs up is after-market installs. Things like rims, spoilers, and exterior lighting can be costly to repair. You will want to make sure that you have the right coverage to cover damage to after factory installs.
There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
9 Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renter's policy, and is not available on the homeowners policy, if the auto policy is written by Metropolitan General Insurance Company or at a nonstandard rate level. 
Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. Not available in all states.

Step 1: Gather your information. To obtain a quote you will need birth dates, an email address, and a previous address in most cases. Also, know what type of car you are driving. This is more than make and model. Know what trim package you have, etc. These little things do matter. If you are currently insured, having your policy handy is not a bad idea.


Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn’t much help.
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.
There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
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.
9 Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renter's policy, and is not available on the homeowners policy, if the auto policy is written by Metropolitan General Insurance Company or at a nonstandard rate level. 
Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. Not available in all states.
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