2025 Consumer Insurance Outlook Report
By Brian O’Connell, Sr. Insurance Analyst for IQ 2024 has been a volatile year for the U.S. insurance sector. Rising costs, wild storms, a stubbornly…
Compare Multiple Auto Insurance Rates Fast
Here at insuranceQuotes we’ve helped drivers save on auto insurance for 18 years. Fill out our fast and simple form to compare the best local and national auto insurance companies – all in one place.
Your personal car insurance rates will be based off of personal factors and driving history. Your age, location, car make and model, occupation, marital status, gender, credit history, past driving violations, and yearly mileage are all factors that affect your car insurance rates based on where you live and what your state requirements are.
We help you save time and money by giving you the tools to easily compare multiple car insurance rates at once based off of the information mentioned above. With an A+ BBB rating we help over 30K+ people a day find the best auto insurance rates with policies that cover all of your car insurance coverage needs. Let us help you today!
How Much Does Auto Insurance Cost on Average?
The average cost of auto insurance nationally ranges from $60 to $127 per month for a minimum coverage policy rate – making it around $720 to $1,524 per year. Auto insurance quotes you receive will vary based on your state and city, the type of car insurance coverage you need and your personal driving record.
Compare Local Auto Insurance Rates
When comparing car insurance quotes it helps to know how much the average cost for an auto policy is – find your state and city on the pages below to get up to date cost data based on your state and city:
Auto Insurance Costs by State
How to Search for Auto Insurance Quotes
Here is a quick breakdown of the information you’ll want to have handy in order to start comparing your personalized auto insurance quotes online from a large list of insurance providers:
- A valid driver’s license number
- Vehicle Identification Number (VIN)
- Make, model, and year of your vehicle
- Name and date of birth
- Zip Code
The quotes you receive and the overall rates you pay are going to depend on a few factors as well as the amount of car insurance coverage and type you are seeking. The main factors that will go into determining the different price quotes on your auto rates include your age, driving records and history, vehicle’s make and model, overall credit history, and the accident risks associated with the city you live in or areas you will frequently be driving through. Comparing multiple auto insurance companies and quotes allows you to find the best price and amount of coverage. Auto insurance companies know that they can build a lifetime customer with competitive car insurance rates that offer comprehensive coverage. The more car insurance rates you compare, the more likely it is you will get the best policy rates for your particular needs.
We provide an easy to use online tool that can compare multiple local and national car insurance companies in a one stop shop. We can help save you time and money on car insurance prices by making sure you have the right coverage to fit your needs – no matter the type of driver you are. InsuranceQuotes make the process of comparing auto insurance quotes online simple, fast and secure, so you get the best possible deal. You can get started by simply entering your zip code into the form above and answering a few easy questions. Your new auto insurance quotes can be delivered to your email or you can speak directly to one of our expert advisers on a phone call depending on your preference.
Are You Getting the Best Auto Coverage Rates?
If you’re currently insured and comparing auto insurance policies, you’ll want to make certain that you’re looking at the same, or similar auto coverage limits and deductibles for each price quote.
You’ll want to make sure you are comparing these particular individual characteristics of your received auto policy quotes in order to make sure you’re making the best choice when getting a new auto policy. When you get free quotes from iQ we take care of making sure all of your auto insurance quotes are based off of the same information, so you can be confident in your choice. These factors should be the same across the board:
- Auto Policy Type:
- Make sure you consider the legal requirements for auto insurance from your state regarding policies. You’ll want to make sure you are choosing a policy that fits all your needs such as if the vehicle’s primary use will be rideshare or commercial use which will result in a different auto quote rate.
2. Policy Limits:
- Your state will have requirements for auto insurance limit minimums that need to be met when determining the correct prices offered on your policy.
3. Deductibles:
- An auto insurance deductible is the amount you will pay towards your car’s repairs before your auto insurance kicks in to pay off the remaining amounts owed to fix your vehicle after an accident. Make sure to select an auto deductible amount that will work for you and your budget in case of an accident.
4. Discounts:
- Do not forget to always ask the insurance company you are working with about any potential auto insurance discounts that may apply to you when shopping for and comparing different car insurance rates. Depending on your personal history and a few other factors there may be auto discounts that could be applied to your insurance policy quote that could significantly decrease your total cost for car insurance.
What Type of Car Insurance Coverage Do I Need?
There are 3 main different types of auto insurance coverage that all major car insurance providers will offer including collision, comprehensive, and liability auto insurance. See below for information on each of these as well as a few other types of auto insurance coverages you may be interested in.
1. Collision Auto Insurance Coverage:
Collision auto insurance is an auto policy coverage type that will help pay for the repairs or replacement of your vehicle should it become damaged due to an accident involving another vehicle or object. It also can cover instances of damage from a single car accident such as a rollover. If you are paying for your vehicle through a loan or lender this type of auto coverage is usually always required. If you own your vehicle outright, this can be added to your current policy but isn’t always needed. For example if your vehicle was damaged, but it’s current value to replace or repair would not be a financial burden – you may opt out of this particular coverage type. However, most drivers prefer the peace of mind that collision auto insurance provides.
2. Comprehensive Auto Insurance Coverage:
Comprehensive auto insurance will cover any damage to your vehicle caused by something other than an accident. Some examples of instances covered by a comprehensive auto insurance type could be payment for the damages caused by weather (wind, hail, floods), fire damage, theft of your vehicle, vandalism, falling object damage, and things like hitting an animal while driving.
3. Liability Auto Insurance Coverage
Liability auto insurance will cover the expenses of injury, death, or property damage to other drivers when you are in a collision that you are the main party at fault. The two sub-categories of a liability only auto policy are bodily injury liability and property damage liability payment.
4. Medical Payments Coverage:
While medical payment coverage is required in some states, it is an optional auto policy option in others. Medical payments auto coverage is useful for when you, passengers, and or family members who were driving the vehicle were injured in an accident that resulted in medical bill costs such as surgery, x-rays, and the hospital visits involved.
5. Personal Injury Protection Coverage:
PIP or personal injury protection coverage is available to drivers in certain states. PIP auto coverage is much like the medical payments coverage mentioned above. However, this type of auto coverage can go a step further in helping you pay for additional costs that were directly associated to your accident such as lost job income or resulting child care expenses.
6. Uninsured and Underinsured Motorist Coverage:
Uninsured & underinsured motorist auto insurance will help cover your medical expenses if you are involved in an accident with a driver who does not have insurance on their vehicle or may leave the scene of the accident. You may also be covered to help pay for some of the costs of repairs on your vehicle in this situation. Another example where this policy type could be useful is if the driver is underinsured and it won’t cover any medical bills you may receive due to the accident.
Is Car Insurance Required in Your State?
Having car insurance is required by law in most of the 50 states. How much auto insurance coverage you will need will depend on what is legally required by your state. Technically, you could purchase a new or used vehicle without auto insurance. However, to legally drive it home you will need some sort of insurance coverage – for the most part any quality car dealership will require you to have proof of car insurance on the vehicle before allowing you to leave their lot. If you are getting a loan through a financial institution, they will also have particular auto insurance requirements in order to help you purchase your new or used vehicle. Once you know the make and model of your vehicle – you should start shopping around for auto insurance so that you are covered once a vehicle purchase decision has been made. Auto insurance rates by state can vary based on quite a few factors, so the sooner you can do your research on car insurance costs the more prepared you will be.
What Car Insurance Discounts are Available?
How long has it been since you last shopped for car insurance protection? If it’s been over a year, you could be saving more money on car insurance than you realize. Here are a few of the most common car insurance discounts that may be available to you as you compare new auto insurance policies:
- Bundling Auto and Home or Renters – Combining multiple insurance policies for extra savings
- Multi-Car Insurance Quote – Compare offers that insure more than one vehicle while on the road to financial savings
- Safety Features Discount – Technology can save you money on your insurance
- Safe Driver Discount – If you’re ticket and accident-free you could save big
- Good Student Discounts – Full-time students can find savings in a variety of ways to lower their payment
- Military Discounts – Active military and people in other public service careers can save by letting their agents know of their service
- Retired Discounts – Some policies offer discounts for those 65 and older
- Consistent Coverage Discount – Discount based on how long you’ve been insured and maintained insurance without any lapses in coverage
While searching for auto insurance quote comparisons, we will provide you with great tips to get lower rates or better coverage. And who doesn’t like to save money without being subject to endless hassles? Our fast, free car insurance quotes make it simple to find the best deals. We also offer free motorcycle insurance quotes as well.
Get a quick, personalized auto insurance quote today, and compare insurance rates from some of the leading national and local insurance providers such as Progressive, Farmers, Liberty Mutual, State Farm, and other top insurance companies across the country.
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Frequently Asked Questions
What is the Average Cost of Car Insurance?
On average a standard car insurance policy can cost anywhere from $720 to $1,524 a year. The monthly costs could be anywhere from $60 to $127 a month. Your exact cost of car insurance will be calculated by a few factors. It is best to ask your insurance provider about possible auto coverage discounts. It is smart to shop around and use helpful online auto insurance comparison sites to get the best estimates. Let iQ help you find the best auto insurance rates.
How Do I Get the Best Price on Auto Insurance?
There are a few ways to get the best prices on your auto insurance. You’ll want to compare the rates from multiple car insurance providers to make sure you find something that offers you the coverage you need at a price that is affordable. You may also want to bundle your home and auto insurance for cheaper rates. We can help you find the best prices on auto coverage.
