Car Insurance
Bankrate's insurance experts guide you through the basics of car insurance. Our exclusive approach can help you feel more confident in your insurance decisions.
What you need to know about
Comparing online car insurance quotes can help you narrow down carriers with auto insurance rates that fit your budget and coverage needs. But with so many options to sort through, knowing where to start can be tough. Bankrate's insurance editorial team mapped out four steps to help you discover what coverage you may need and how to find it at the best price:
Determine your priorities
Insurance is a highly individualized product, and every driver has different needs to meet in terms of both coverage and budget. Are you willing to spend a little more for top-notch customer service, or is price the primary determining factor? Does your vehicle need special coverage, or are you looking for a standard policy with improved perks like discounts and the latest digital tools? Setting a budget and outlining your priorities will simplify the shopping process.
How we work
Our partnership with Coverage
Who is Coverage?
Find out moreCoverage is our trusted and preferred Bankrate partner that helps you easily find and compare personalized offers from top insurance providers like Nationwide, Liberty Mutual, Safeco and many more.
on Coverage's website
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01
Tell us about yourself
We'll gather some basic details about your household and vehicles.
02
Choose your policy
Compare personalized offers and pick the best one for you.
03
Lock it in
Finish the process online or on the phone with a trusted agent.
What affects my car insurance quote?
Car insurance is like a fingerprint — car insurance companies may use almost a dozen different rating factors to determine your premium. Although these factors can vary depending on your state, some may include your age, gender, location, driving history and credit history. Additionally, the type of vehicle you drive and the level of coverage you select will impact the cost of your car insurance. With this in mind, the best car insurance quote will be different for everyone. The best way to find the cheapest policy that suits your individualized needs is to request free online car insurance quotes and shop around.
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2025 Bankrate Awards
Our Bankrate Awards identified the standout insurers across a range of metrics. In our search for the best of the best, we analyzed average rates, coverage offerings, discounts, availability, digital tools, and third-party customer satisfaction and financial strength ratings.
Read car insurance carrier reviews
Find out how much you should be paying
Average car insurance cost by state in 2025
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|
|
|
|
|---|---|---|
|
$2,056
|
$502
|
|
|
$2,488
|
$523
|
|
|
$2,637
|
$813
|
|
|
$2,444
|
$498
|
|
|
$3,102
|
$915
|
|
|
$3,233
|
$569
|
|
|
$2,715
|
$1,072
|
|
|
$2,931
|
$1,075
|
|
|
$3,874
|
$1,056
|
|
|
$2,895
|
$1,029
|
|
|
$1,650
|
$403
|
|
|
$1,443
|
$376
|
|
|
$2,491
|
$689
|
|
|
$1,704
|
$446
|
|
|
$1,911
|
$331
|
|
|
$2,486
|
$579
|
|
|
$2,581
|
$722
|
|
|
$3,953
|
$1,014
|
|
|
$1,631
|
$418
|
|
|
$2,966
|
$1,070
|
|
|
$2,096
|
$649
|
|
|
$3,225
|
$902
|
|
|
$2,552
|
$709
|
|
|
$2,302
|
$525
|
|
|
$2,491
|
$636
|
|
|
$2,364
|
$401
|
|
|
$2,358
|
$513
|
|
|
$3,566
|
$1,081
|
|
|
$1,655
|
$460
|
|
|
$3,061
|
$1,331
|
|
|
$2,124
|
$443
|
|
|
$4,031
|
$1,729
|
|
|
$1,825
|
$578
|
|
|
$1,736
|
$384
|
|
|
$1,820
|
$485
|
|
|
$2,798
|
$558
|
|
|
$2,096
|
$829
|
|
|
$2,397
|
$521
|
|
|
$2,959
|
$916
|
|
|
$1,941
|
$624
|
|
|
$2,287
|
$370
|
|
|
$1,972
|
$502
|
|
|
$2,599
|
$746
|
|
|
$2,136
|
$812
|
|
|
$1,491
|
$329
|
|
|
$2,146
|
$766
|
|
|
$1,890
|
$577
|
|
|
$2,164
|
$547
|
|
|
$1,920
|
$452
|
|
|
$1,760
|
$265
|
|
|
$2,825
|
$878
|
Average auto insurance premiums based on a 40-year-old driver with a clean driving record and good credit.
Learn more about car insurance
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