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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 can affect 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 quotes and shop around.

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Where you live

Where you live also plays a role in your car insurance premium. Even in states where ZIP codes cannot be used as a factor in determining rates, you may find that your state’s average cost of car insurance may be significantly different compared to a neighboring state. 

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Your age and gender

In most states, the age and gender of a driver may play an important role in determining car insurance rates. Demographic groups that are shown to engage in riskier driving behaviors, such as young drivers, male drivers and senior drivers, typically face higher rates on average. 

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Your driving history

Perhaps the most influential factor on car insurance rates, your driving history is closely analyzed when calculating car insurance quotes, as it indicates risky driving behavior. 

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Your credit score

Credit score, or more accurately, your credit-based insurance score, can be used by insurance companies in many states to predict the risk of claims being filed in the future.

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Your vehicle

The type of car you drive also plays an important role in your car insurance premium. Luxury vehicles tend to have higher premiums, due in part to expensive repair costs for labor and parts. 

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Bankrate Awards

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The best in auto insurance for 2024

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.

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Featured car insurance reviews

Best for digital policy management
4.4
Rating: 4.4 stars out of 5
Bankrate Score
Best for high-risk drivers
4.3
Rating: 4.3 stars out of 5
Bankrate Score
Best digital auto insurance company
3.1
Rating: 3.1 stars out of 5
Bankrate Score
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All Bankrate insurance reviews

Comparing insurance companies can help you find the right policy for your lifestyle. Bankrate's company reviews can help you determine if a carrier fits your needs. Our reviews look at more than just price, so you walk away with a robust view of each insurance provider.

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