While liability coverage is required in most states, other coverage requirements vary from state to state. Some coverages may even be optional. You may want to familiarize yourself with your state's specific car insurance requirements. To accurately compare car insurances rates, make sure you've selected the same set of required and optional coverages for each quote you get.
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.
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.
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.
No matter which company you quote or what state you live, all auto insurers will want to know your driving history. In most cases, it will be hard to forget a ticket you received or accident that you were involved in. Many insurers will accept estimated dates if you are close. However, if you want more exact numbers, then then you can always call your local Department/Bureau of Motor Vehicles.
Car insurance protects you from financial liability in incidents involving your vehicle. It has two major benefits. First, it can help save you from costs involved with bodily injury (medical costs). Second, it covers property damage to both you and your property, and other people involved in the accident if you’re at fault. Car insurance is required in most states and it is illegal to operate a car without it.

The best way to save is by shopping around. In a study done in New York, the average driver can save up to $625 by switching car insurances. Insurance prices differ for all individuals based on age, driving history, credit history, car model etc. so it is best to always check with at least 2 or 3 providers before committing to a company. Here are ten ways to pay less than the average driver while still getting enough coverage.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, we may receive compensation from our partners for featured placement of their products or services. We may also receive compensation if you click on certain links posted on our site.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, we may receive compensation from our partners for featured placement of their products or services. We may also receive compensation if you click on certain links posted on our site.

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.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

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.


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.

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