Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Online car insurance quotes

Car insurance quotes estimate the cost for a policy with your selected coverage. Rates vary based on several factors, including your vehicle type, driving history, coverage and the insurance company.

Updated Nov 15, 2022
Get free car insurance quotes
Find your perfect policy. Answer a few questions to get custom online quotes in minutes.
Location-Icon Created with Sketch.
Lock Secure Your information is secure
Find great rates from trusted carriers
+ MORE
User
Share some details to get offers
To provide the most accurate quotes, we'll need some info about you and your vehicle. We only ask if we know it impacts your rate.
Insurance Auto
Choose the best policy that fits your needs
Explore your offers from top carriers and select as many as you'd like to move forward.
Congrats
Nail down your rate and policy details
Once you're satisfied with your chosen carrier, finish up the process by phone or online. Easy peasy.
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

What are car insurance quotes?

A car insurance quote is an estimate of your insurance premium with a specific carrier based on your chosen coverage and driver profile. When shopping for car insurance, every carrier will prepare one for you as a proposal of coverage and cost, and it will be personalized to your individual characteristics, like years of driving experience, location, annual mileage and more. Having a quote in hand makes it easy to compare rates across more than one carrier, and allows you to see the difference in optional coverage, discounts and price offered by each company.

Getting a car insurance quote doesn’t mean you’re obligated to buy insurance from that company. Instead, it’s a chance to consider the coverage and compare quotes to find the best car insurance for you. Keep in mind that the quoted premium is typically not the actual final policy cost and it could still change when you purchase the policy after the insurer’s underwriting process is complete. This may happen if additional personal, driving record or claims history information is found. It’s best to provide as much information as you can up front when requesting quotes to ensure a more accurate price.

Clock Wait
47
years of industry expertise
Search
122
carriers reviewed
Dollar Coin
2M
quotes analyzed
Location
34.5K
zip codes examined
Lightbulb
Key takeaways
  • Exploring different carriers and requesting free car insurance quotes ensures you find the cheapest car insurance with the coverage you want.
  • Your driving history is analyzed when it comes to determining your rate. Any moving violations, at-fault accidents and DUIs can impact your final premium.
  • Knowing how much coverage you need — and what optional coverage to include — helps build a car insurance policy tailored to your budget and risk level. If you’re unsure where to start, talking to an agent can help.

What can affect my car insurance quotes?

A wide range of car insurance rating factors are used by insurers to calculate your insurance quote. Some of these include:

Age and gender

The age and gender of a driver often 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. However, using age and gender as a component of car insurance rates is not allowed in some states. Massachusetts and Hawaii ban the use of both age and gender, while California, Michigan, North Carolina and Pennsylvania do not use gender when calculating car insurance premiums.
 

Driving history

Perhaps the most influential factor of car insurance rates, your driving history is closely analyzed when calculating car insurance quotes, as it indicates risky driving behavior. If you have a speeding ticket, at-fault accident or DUI on your record, you may find that your premium is more expensive than prior to the incident.
 
The average annual full coverage rates below from different car insurance companies show how premiums may change after an incident; your individual rate may be higher or lower depending on your car insurance rating factors. Incidents will typically impact your premium for three to five years, but usually will lessen in premium surcharge with each passing year.
Clean record Speeding ticket At-fault accident DUI conviction
National Average $1,771 $2,138 $2,521 $3,421
AAA $2,389 $2,912 $3,453 $5,146
Geico $1,297 $1,586 $1,900 $3,196
Progressive $1,561 $2,030 $2,507 $2,049
State Farm $1,397 $1,606 $1,769 $2,293
Travelers $1,447 $1,869 $1,975 $2,783
USAA $1,313 $1,464 $1,742 $2,313

*based on full coverage

Location

Where you live also plays a role in your car insurance premium. For example, cities may be more congested than rural areas and also have higher costs of labor and parts when it comes to repairing a vehicle after an accident. While almost all states permit the use of ZIP code in determining car insurance rates, Michigan does not and California limits the ways insurers can use it.

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. People with a lower credit score may be more likely to file claims compared to those with a higher credit score, according to actuarial studies conducted by the Insurance Information Institute. Because of this added risk, insurance companies may charge a higher premium to insure a driver with a lower credit-based insurance score. California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as a rating factor in car insurance. 
 
Credit Tier Average annual rate*
Excellent $1,556
Good $1,771
Average $1,907
Poor $3,002

*based on full coverage

Vehicle

The type of car you drive also plays an important role in your car insurance premium. Luxury vehicles tend to have high premiums, due in part to expensive repair costs for labor and parts. Technology-based safety sensors can make your car safer, for instance, but may actually drive your premium up because they are so expensive to repair or replace. Contrary to popular belief, economy cars may not always result in the cheapest premium either. Because so many of them are on the road, it’s more likely that they will be involved in an accident or be targeted for vandalism and theft.

How to shop for car insurance quotes

1

Talk with an insurance agent if you have questions.

2

Collect your personal and vehicle information.

3

Submit this information to your agent or an online quote generator.

Lightbulb
How do I get the cheapest car insurance quote?
The first step to getting a car insurance quote is to request a quote online or contact an agent. Both processes are generally the same. You’ll share some information about yourself and pick the coverage levels and options that you want, which the company will then use to prepare your car insurance quote. If you don’t know what coverage types you want or need, an agent can make recommendations based on your information.
 
Since car insurance depends on your personal rating factors and coverage needs, you’ll need to shop around with multiple different companies to find the cheapest car insurance quote for you. To help narrow your search, you may want to prioritize what you are looking for in a company. For instance, you might need car insurance for teen drivers or high-risk auto insurance
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.
Lock Secure Your information is secure
Save on auto with quotes from trusted providers like:
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

What documents do I need to prepare?

In addition to gathering personal and vehicle information, it can help to have a few other documents on hand, such as:

  • Basic driver information: You will need some basic driver information to get a quote, such as the birthdates of all listed drivers, address, occupation and sometimes, education level. 
  • Driving history: To get the most accurate car insurance quote, you need to declare any tickets or accidents you or any listed driver have received during a certain timeframe, usually between three and five years. If you don’t advise the quoting company of driving activity, your quoted premium could be artificially low. If you move forward with the purchase, the company will then pull your motor vehicle report (MVR) and comprehensive loss underwriting exchange (CLUE) reports. If they find any undeclared activity on these reports, the company will adjust your rate based on your increased risk. 
  • Vehicle usage: The quoting company will probably ask how you use your vehicle. For instance, they may want to know if you drive your car back and forth to work and, if so, how many days a week. They will probably also want to know your estimated annual mileage. 
  • Current policy declarations: If you already have car insurance, it’s important that you compare any new quote with your current coverage. This will help the agent ensure they can prepare an accurate quote for you with similar coverage levels and options. If you’re getting a quote online, knowing what your current policy declarations are can also help to ensure that you aren’t accidentally choosing less coverage or a higher or lower deductible than what you already have.
  • Vehicle registration or purchase agreement: Although you can usually get a quote without it, you will want your vehicle identification number (VIN) handy to get the most accurate quoted premium. Once you’re ready to purchase your policy, you may be asked to provide the vehicle’s current registration and odometer readings. If you’re buying a new vehicle, you can share the purchase agreement once you’ve received it.
  • Documents for discount verification: If you are eligible for any discounts that require verification, such as a professional or organization membership, you may need to share proof to add the discount to your policy. Or, if you have a young driver on your policy who qualifies for a good student discount, the company may request a recent transcript to verify their GPA.

How do I get free car insurance quotes?

All car insurance quotes are free whether you obtain them online or work with an insurance agent. Below is a brief guide on how to get car insurance and what each method looks like:
 

Shop for auto insurance online

Many companies now allow customers to quote a car insurance policy online through their website. After providing some personal information, you can then select the coverage types and limits that you want. Some companies may let you start the policy immediately with a payment, while others may finish the process by having one of their representatives call you over the phone.
Online Best
Online car insurance quotes
Starting a car insurance quote online might be ideal for drivers with an intermediate knowledge of insurance and who are not in a complex situation. You may be the only driver on the policy, for example, or may be insuring one vehicle and already know what liability limits, deductibles and add-on coverage you want.

Contact a captive insurance agent

A captive insurance agent, sometimes also called an “exclusive” or “dedicated” insurance agent, is an insurance agent that works on behalf of only one insurance company. This type of agent only sells the insurance products their company offers, but will have a strong knowledge of the company’s underwriting guidelines and claims process. They earn a commission based on performance and don’t charge additional fees for their service.
Lock Secure
Captive insurance agents
Many major car insurance companies, such as State Farm, Allstate and Farmers, operate through captive insurance agents. This means that there are local agencies nationwide that can help not only with car insurance, but also creating an entire insurance plan. If you want personalized service from a major car insurance company, working with a captive agent could be the best strategy.

Work with an independent insurance agent

In contrast to a captive agent, who represents a single insurance company, an independent insurance agent represents multiple carriers. They are also commonly referred to as brokers. An independent agent will shop for your coverage selections with different carriers they represent to provide you with comparable quotes.
User
Independent insurance agents
Many major car insurance companies, such as State Farm, Allstate and Farmers, operate through captive insurance agents. This means that there are local agencies nationwide that can help not only with car insurance, but also creating an entire insurance plan. If you want personalized service from a major car insurance company, working with a captive agent could be the best strategy.

Frequently asked questions

Compare rates and save on auto insurance today!

Close X
Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute