Which car brand insurance is the cheapest?

No car brand, make or model offers the cheapest auto insurance rates for every driver. As a general rule, luxury vehicles can be more expensive to insure because of their higher value and the increased cost of repair. This doesn’t automatically mean economy cars are always cheaper to insure, however. In fact, certain lower price point vehicles tend to be more popular due to their affordability, which increases the likelihood that those vehicles will be involved in accidents or break-ins and can lead to higher insurance rates. If you’re debating between a few different cars, ask your insurance agent for quotes for each option so you can understand how much each car will cost to insure.

Can you have too many car insurance quotes?

While getting more than one insurance quote is helpful, at some point, it may be information overload. It can also be time-consuming to keep requesting car insurance quotes, which can happen if you’re not strategic about which companies to quote from. Start with three carriers that you feel could most closely meet your needs, and then consider more if these options don’t work for you.

How does gender affect car insurance rates?

In every state except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, your gender can affect how much you pay for car insurance. Men typically face more expensive premiums than women because data shows they may engage in riskier driving behaviors. A study from the Insurance Institute for Highway Safety showed that men in almost every age group were involved in more fatal car accidents than women in the same age demographic. As drivers age, gender tends to have less of an impact on car insurance rates. For instance, according to rate data provided by Quadrant Information Services, 18-year-old males pay 15% more for car insurance than 18-year-old females. By the time men and women reach age 70, however, gender may no longer have a significant impact on rates.

How do I choose the best car insurance?

Shopping for car insurance is more than just looking for the cheapest rate, so the answer to this question starts with understanding your own car insurance needs and priorities. Quality customer service, in person offices or even optional coverage choices might be factors that are important to you. Knowing what you need in a policy can help you compare car insurance companies to see which one you want to work with. Before obtaining quotes, it may benefit you to speak to insurance agents, friends or family who may be able to help you gauge which insurance company you want to move forward with.

Why should you use Bankrate to compare car insurance rates?

Bankrate has been a trusted source of guidance since its inception in 1976 as the Bank Rate Monitor, a print publisher for the banking industry. Today, Bankrate helps millions of readers every month make informed financial decisions regarding insurance, mortgages, credit cards, loans and more. Additionally, our editorial integrity is of utmost importance — we vet our sources for accuracy and authority and utilize proprietary rate data provided by Quadrant Information Services. We are licensed agents, and our insurance editorial staff is committed to bringing you accurate, valuable, real-world information that you can use to compare auto insurance rates with confidence.

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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.

Compare car insurance rates in February 2023

Bankrate’s licensed insurance agents created this step-by-step guide to help you compare car insurance coverage, monthly premiums and more during the quoting process.

Written by

June Sham

Edited by

Angelica Leicht

Reviewed by

Mark Friedlander

Updated Jan 18, 2023

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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 To Know First

Many factors can go into determining car insurance rates, which are what car insurance companies use to calculate your car insurance premium. Factors such as your driving history, coverage selections and location could play a significant role in your final car insurance cost.

To simplify the process of comparing car insurance rates, Bankrate can help. Our insurance editorial team has four licensed property and casualty agents with almost 50 years of combined industry experience. We’ve written thousands of policies for drivers across the United States, so we know first-hand what you can do to compare car insurance quotes efficiently and accurately (and how you might find the lowest premiums, too).

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Bankrate’s guide to comparing car insurance rates

It may be more crucial than ever to ensure you have the right amount of car insurance. With record inflation potentially leaving drivers underinsured and an estimated 12.6% of all drivers driving without insurance, getting into an accident could quickly cause your out-of-pocket costs to skyrocket.

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1.2M

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What are car insurance rates and how do they work?

Although “rate” and “premium” are often used interchangeably to refer to the cost of a car insurance policy for a customer, they are not quite the same. A car insurance rate is a unit of cost that an insurance company calculates based on individual rating factors, such as driving record and location, to determine a driver’s risk and the cost of insuring them.

After determining a driver’s rate, car insurance companies also consider a driver’s selected coverage options and limits to calculate the estimated premium. The premium is what a customer would pay for coverage during the policy term, which is usually six or 12 months.

Why are car insurance rates so different?

Car insurance companies look at more than a dozen personal rating factors to determine your premium. Some of these factors could include your ZIP code, the type of vehicle you drive, your driving history, your credit score, your age and your gender. Additionally, each driver has their own needs when it comes to coverage packages. Some drivers are less risk-averse and choose to carry state minimum coverage. Others may want the most robust package they can afford. As such, car insurance is like a fingerprint — each person’s quote will be different from the next’s.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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How to compare car insurance

Before you start the process of looking for car insurance, take some time to consider what’s most important to you. Maybe you’ve outfitted your car with aftermarket parts and other customizations, and need specific coverage for this. Or maybe you have a child who’s about to become a new driver and need competitive rates.

Whether you’re looking for endless coverage options or just basic coverage, understanding what you want will help guide you towards carriers that most closely fit those needs. Once you’re ready to get started, here’s how you can streamline the process:

1. Collect personal information

When you quote car insurance online or over the phone, you'll likely share the same personal information. To streamline to process, be sure to have the following available:

Driver information: You'll need the names, birthdays and driver's license numbers of all the drivers you would like to add to your quote.
Vehicle information: At the very least, you will need to provide the makes and models of the vehicles you need to be covered. If you can, you may want to include your vehicle identification numbers (VIN), as this information may provide you with a more accurate quote.
Driving history: During the quote, the car insurance company may ask if any drivers have been in any accidents or received tickets within a specific timeframe. If you don't advise the company of past driving activity, your quoted premium may go up once the company reviews your driving records after you decide to purchase the policy.
Usage information: The quoting company may ask to describe how you use your vehicle. For instance, they may want to know if you commute to work and, if so, how many miles it is one way. They may also ask for an estimated annual mileage.

2. Choose the right coverage levels

After you provide your personal and vehicle information, the company will ask you what coverage types you would like to include in your quote. When selecting your level of coverage, your individual needs and financial goals will dictate what coverage package is best for you. For instance, if you are leasing your vehicle, you will probably have to carry liability limits higher than your state’s required minimum limits. Or, you may be a high-risk driver with an SR-22 requirement. Regardless of your selections, you may want to ask for similar coverage options on each quote to ensure you are conducting an apples-to-apples comparison.

3. Compare auto insurance quotes

After you’ve shared your information with the insurance company, you will receive back a proposal of coverage, or quote. This document gives an estimate of how much an insurance policy would cost with that carrier, and includes any discounts you may be eligible for. When you receive quotes back, be sure that the coverage options and limits are exactly the same. This will help ensure you’re comparing carriers accurately.

4. Evaluate company features and reputation

There are numerous insurance carriers on the market, which can make it difficult to choose from. Some are national carriers available in every state, while others are regional and only available to a select few states. Many third-party agencies, like AM Best and J.D. Power, regularly evaluate insurance carriers for financial strength, claims satisfaction and more. To help inform your decision, you can also rely on our Bankrate Scores, which look at a wide variety of criteria ranging from mobile app accessibility, customer service, availability, coverage options and more to help you learn more about an insurance carrier.

Compare car insurance rates by age

Age is another component that insurers typically use to calculate car insurance rates. When analyzing premiums of car insurance by age, young drivers under the age of 25 typically face more expensive premiums compared to adults. This is seen in the rate tables below for drivers ranging from 16 to 70 years old. The difference in premium is driven largely in part to their lack of experience compared to older drivers, which may result in more dangerous driving behaviors. Hawaii and Masssachusetts do not allow insurers to use age as a rating factor. Bankrate has compiled age-related data from several carriers based on 2022 rates pulled from Quadrant Information Services to give you an idea of how much you might pay at different points in your life.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates were calculated by evaluating our 2022 base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Rates for 18-year-olds are based on a driver of this age that is a renter (not a homeowner) and on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Car insurance for teen drivers

Teen drivers are inexperienced, which can lead to a greater likelihood of accidents. In fact, the Centers for Disease Control and Prevention (CDC) reports that teens have a higher crash rate than any other age group. Because of this, teens typically cost more to insure than older drivers. Bankrate found that, depending on your teen’s age, major insurers like Geico, Nationwide and USAA tend to have lower average rates.

When getting quotes, car insurance companies will ask the age of every licensed driver that will be listed on the policy. This is important information to help insurers assess your household’s risk. Even adult motorists who recently got their driver’s license are inexperienced on the road, which can result in higher premiums for several years. If you have a teen who has a learner’s permit and is about to get their driver’s license, including them in your quote as a licensed driver may help you understand what your policy will actually cost once they get their license. This will help you avoid surprises about the policy’s cost later down the road.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 16-YEAR-OLDS*
Allstate	$4,143
Amica	$2,181
Auto-Owners	$1,824
Farmers	$2,053
Geico	$2,885
Nationwide	$2,194
Progressive	$3,293
State Farm	$2,949
Travelers	$2,060
USAA	$3,026

*16-year-old rate reflects the added cost of a teen on their parents’ full coverage policy.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 17-YEAR-OLDS*
Allstate	$3,969
Amica	$3,383
Auto-Owners	$2,586
Farmers	$2,712
Geico	$2,629
Nationwide	$2,151
Progressive	$3,324
State Farm	$2,640
Travelers	$3,061
USAA	$2,404

*17-year-old rate reflects the added cost of a teen on their parents’ full coverage policy.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 18-YEAR-OLDS*
Allstate	$6,538
Amica	$3,383
Auto-Owners	$2,586
Farmers	$2,712
Geico	$2,629
Nationwide	$2,151
Progressive	$3,324
State Farm	$2,640
Travelers	$3,061
USAA	$2,404

*18-year-old rate reflects the cost of being on their own separate policy.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 18-YEAR-OLDS*
Allstate	$5,635
Amica	$3,785
Auto-Owners	$2,940
Farmers	$3,497
Geico	$3,122
Nationwide	$3,889
Progressive	$3,788
State Farm	$3,048
Travelers	$4,062
USAA	$2,672

*19-year-old rate reflects the cost of being on their own separate policy.

Car insurance for drivers in their 20s

Drivers in their 20s will begin to see their premiums decrease, especially after age 25. Keep in mind that drivers in their early 20s will still see high average rates for full coverage car insurance if they own their own vehicle and are on their own car insurance policy as auto insurers consider them higher risk compared to older adults.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 20-YEAR-OLDS	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 25-YEAR-OLDS
Allstate	$5,406	$2,941
Amica	$3,282	$1,753
Auto-Owners	$2,679	$1,692
Farmers	$3,164	$1,719
Geico	$2,686	$1,521
Nationwide	$3,381	$1,621
Progressive	$3,382	$1,940
State Farm	$2,735	$1,637
Travelers	$3,822	$1,657
USAA	$2,426	$1,585

*20-year-old rate reflects the cost of being on their own separate policy. 25-year-old driver rates reflect renters with a multiple policy discount.

Car insurance for drivers in their 30s

Drivers in their 30s will enjoy fairly low average annual full coverage car insurance premiums by age, as long as they maintain a clean driving record.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 30-YEAR-OLDS*
Allstate	$2,449
Amica	$1,544
Auto-Owners	$1,326
Farmers	$1,539
Geico	$1,334
Nationwide	$1,435
Progressive	$1,685
State Farm	$1,433
Travelers	$1,548
USAA	$1,356

Car insurance for drivers in their 40s

Drivers in their 40s with a clean driving record will see even lower average full coverage car insurance rates than their counterparts in their 30s.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 40-YEAR-OLDS*
Allstate	$2,438
Amica	$1,495
Auto-Owners	$1,305
Farmers	$1,524
Geico	$1,297
Nationwide	$1,383
Progressive	$1,397
State Farm	$1,562
Travelers	$1,447
USAA	$1,209

Car insurance for drivers in their 50s

Drivers in their 50s with a clean driving record and, in most states, good credit, typically enjoy the lowest average full coverage car insurance rates of any age group. This group statistically presents the lowest risk for insurers.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 50-YEAR-OLDS*
Allstate	$2,236
Amica	$1,425
Auto-Owners	$1,266
Farmers	$1,385
Geico	$1,227
Nationwide	$1,284
Progressive	$1,356
State Farm	$1,435
Travelers	$1,363
USAA	$1,145

Car insurance for senior drivers

Senior drivers, typically defined as age 60 and older, may see their car insurance rates begin to creep back up, although some insurers don’t begin to adjust rates until you reach age 70. That is because senior drivers statistically are at greater risk of being in an accident. Aging-related health factors, like decreased eyesight, can impair a driver and increase the risk of accidents. Based on our analysis, older adults may want to consider getting quotes from USAA, Erie and Auto-Owners for low-cost coverage as these carriers offer favorable rates for senior drivers.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 60-YEAR-OLDS	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR 70-YEAR-OLDS
Allstate	$2,208	$2,275
Amica	$1,462	$1,807
Auto-Owners	$1,178	$1,289
Farmers	$1,289	$1,456
Geico	$1,216	$1,377
Nationwide	$1,189	$1,335
Progressive	$1,382	$1,553
State Farm	$1,285	$1,335
Travelers	$1,325	$1,477
USAA	$1,132	$1,260

Compare car insurance rates by driving history

Keeping a clean motor vehicle record (MVR) is one of the best ways to avoid premium increases on your car insurance policy. Because car insurance rates are based on risk, high-risk drivers generally pay more for coverage and may have trouble obtaining coverage from standard auto insurers. Insurers will review the driving history of all drivers on the policy by obtaining MVR and Comprehensive Loss Underwriting Exchange (CLUE) reports (which provides your auto claims history) so providing this information upfront will help ensure you receive an accurate quote.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. The above quoted average annual premiums for full and minimum coverage are calculated by evaluating our 2022 base profile with the following incidents applied: clean driving record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Car insurance rates after a speeding ticket

Speeding tickets are relatively common, but they can still be an indication of high-risk driver behavior. As such, a speeding ticket on your MVR increases average premiums by about 21% per year. On top of the increased insurance costs, you may need to pay fines and even license and/or vehicle registration reinstatement fees, depending on the severity of your infraction.

Speeding tickets can significantly affect your quotes. If your ticket has not been processed, meaning it is not yet listed on your MVR, your rate will be affected once that ticket is added to your driving record. A car insurance company may notice the change and charge more for a moving violation if your MVR is re-pulled, which usually happens at your policy’s renewal. On the other hand, when tickets reach a certain age (time period varies by state and auto insurer, but typically ranges from three to 10 years), they may “fall off” your record. This means that the insurance carrier is no longer adding a surcharge for them, which can positively affect your rates and may be a good time to shop your coverage with other carriers.

CARRIER	AVERAGE FULL COVERAGE PREMIUM PRE-TICKET	AVERAGE FULL COVERAGE PREMIUM POST-TICKET
Allstate	$2,438	$2,893
Amica	$1,495	$1,820
Auto-Owners	$1,305	$1,507
Farmers	$1,524	$1,586
Geico	$1,297	$1,377
Nationwide	$1,383	$1,635
Progressive	$1,561	$2,030
State Farm	$1,397	$1,606
Travelers	$1,447	$1,869
USAA	$1,209	$1,464

CARRIER	AVERAGE MINIMUM COVERAGE PREMIUM PRE-TICKET	AVERAGE MINIMUM COVERAGE PREMIUM POST-TICKET
Allstate	$558	$671
Amica	$444	$541
Auto-Owners	$325	$383
Farmers	$550	$671
Geico	$365	$443
Nationwide	$549	$648
Progressive	$542	$680
State Farm	$456	$531
Travelers	$477	$587
USAA	$354	$428

STATE	AVERAGE ANNUAL PREMIUM PRE-TICKET	AVERAGE ANNUAL PREMIUM POST-TICKET
Alabama	$1,760	$2,592
Alaska	$1,770	$2,370
Arizona	$1,743	$2,504
Arkansas	$1,806	$2,535
California	$2,190	$3,626
Colorado	$2,019	$2,800
Connecticut	$1,533	$2,276
Delaware	$1,963	$2,540
Florida	$2,762	$3,808
Georgia	$2,009	$2,765
Hawaii	$1,206	$1,634
Idaho	$1,065	$1,461
Illinois	$1,533	$2,220
Indiana	$1,242	$1,792
Iowa	$1,254	$1,691
Kansas	$1,802	$2,519
Kentucky	$1,954	$2,840
Louisiana	$2,864	$3,942
Maine	$876	$1,242
Maryland	$1,931	$2,902
Massachusetts	$1,296	$2,169
Michigan	$2,345	$3,433
Minnesota	$1,692	$2,400
Mississippi	$1,701	$2,542
Missouri	$1,893	$2,526
Montana	$1,795	$2,451
Nebraska	$1,538	$2,242
Nevada	$2,426	$3,388
New Hampshire	$1,182	$1,696
New Jersey	$1,891	$2,807
New Mexico	$1,489	$1,996
New York	$2,996	$3,239
North Carolina	$1,392	$1,988
North Dakota	$1,225	$1,621
Ohio	$1,200	$1,668
Oklahoma	$1,902	$2,574
Oregon	$1,371	$2,067
Pennsylvania	$2,002	$2,691
Rhode Island	$1,847	$1,897
South Carolina	$1,464	$2,123
South Dakota	$1,542	$2,037
Tennessee	$1,383	$1,939
Texas	$1,868	$2,693
Utah	$1,449	$2,151
Vermont	$1,000	$1,274
Virginia	$1,347	$1,857
Washington	$1,313	$1,938
Washington D.C.	$1,948	$2,563
West Virginia	$1,527	$2,132
Wisconsin	$1,246	$1,667
Wyoming	$1,510	$2,040

STATE	AVERAGE ANNUAL PREMIUM PRE-TICKET	AVERAGE ANNUAL PREMIUM POST-TICKET
Alabama	$443	$530
Alaska	$417	$496
Arizona	$579	$746
Arkansas	$437	$537
California	$619	$824
Colorado	$495	$604
Connecticut	$646	$783
Delaware	$747	$870
Florida	$997	$1210
Georgia	$642	$776
Hawaii	$338	$378
Idaho	$271	$316
Illinois	$475	$604
Indiana	$329	$414
Iowa	$227	$268
Kansas	$419	$507
Kentucky	$658	$848
Louisiana	$807	$996
Maine	$227	$266
Maryland	$836	$1005
Massachusetts	$446	$570
Michigan	$946	$1121
Minnesota	$600	$739
Mississippi	$450	$544
Missouri	$515	$602
Montana	$310	$376
Nebraska	$367	$434
Nevada	$846	$1040
New Hampshire	$324	$382
New Jersey	$855	$947
New Mexico	$347	$409
New York	$1,339	$1,445
North Carolina	$431	$652
North Dakota	$268	$311
Ohio	$336	$391
Oklahoma	$408	$491
Oregon	$625	$777
Pennsylvania	$441	$498
Rhode Island	$569	$680
South Carolina	$518	$609
South Dakota	$274	$316
Tennessee	$372	$448
Texas	$551	$601
Utah	$544	$673
Vermont	$242	$274
Virginia	$483	$574
Washington	$482	$578
Washington D.C.	$613	$703
West Virginia	$427	$499
Wisconsin	$363	$421
Wyoming	$262	$327

Car insurance rates after an at-fault accident

Accidents on your MVR will typically increase your premiums. If you have caused one or more at-fault accidents, car insurance companies may view you as more likely to cause an accident again in the future and so your rates are raised accordingly.

The table below shows average rates before and after an at-fault accident from several major car insurance companies. On average, rates increase 42% annually after an at-fault accident. It is important to note that even if you have accident forgiveness with your current insurer (meaning they won’t raise your rate because of an at-fault accident), that accident will likely affect your quoted rates with other insurers, as it is included on your MVR. Accident forgiveness does not transfer between carriers and has to be earned or purchased with new providers.

CARRIER	AVERAGE FULL COVERAGE PREMIUM PRE-ACCIDENT	AVERAGE FULL COVERAGE PREMIUM POST-ACCIDENT
Allstate	$2,438	$3,149
Amica	$1,495	$1,782
Auto-Owners	$1,305	$1,689
Farmers	$1,524	$2,144
Geico	$1,297	$1,900
Nationwide	$1,383	$1,802
Progressive	$1,561	$2,507
State Farm	$1,397	$1,769
Travelers	$1,447	$1,975
USAA	$1,209	$1,742

CARRIER	AVERAGE MINIMUM COVERAGE PREMIUM PRE-ACCIDENT	AVERAGE MINIMUM COVERAGE PREMIUM POST-ACCIDENT
Allstate	$558	$741
Amica	$444	$545
Auto-Owners	$325	$447
Farmers	$550	$787
Geico	$365	$538
Nationwide	$549	$732
Progressive	$542	$859
State Farm	$456	$597
Travelers	$477	$623
USAA	$354	$523

STATE	AVERAGE ANNUAL PREMIUM PRE-ACCIDENT	AVERAGE ANNUAL PREMIUM POST-ACCIDENT
Alabama	$1,760	$2,592
Alaska	$1,770	$2,370
Arizona	$1,743	$2,504
Arkansas	$1,806	$2,535
California	$2,190	$3,626
Colorado	$2,019	$2,800
Connecticut	$1,533	$2,276
Delaware	$1,963	$2,540
Florida	$2,762	$3,808
Georgia	$2,009	$2,765
Hawaii	$1,206	$1,634
Idaho	$1,065	$1,461
Illinois	$1,533	$2,220
Indiana	$1,242	$1,792
Iowa	$1,254	$1,691
Kansas	$1,802	$2,519
Kentucky	$1,954	$2,840
Louisiana	$2,864	$3,942
Maine	$876	$1,242
Maryland	$1,931	$2,902
Massachusetts	$1,296	$2,169
Michigan	$2,345	$3,433
Minnesota	$1,692	$2,400
Mississippi	$1,701	$2,542
Missouri	$1,893	$2,526
Montana	$1,795	$2,451
Nebraska	$1,538	$2,242
Nevada	$2,426	$3,388
New Hampshire	$1,182	$1,696
New Jersey	$1,891	$2,807
New Mexico	$1,489	$1,996
New York	$2,996	$3,239
North Carolina	$1,392	$1,988
North Dakota	$1,225	$1,621
Ohio	$1,200	$1,668
Oklahoma	$1,902	$2,574
Oregon	$1,371	$2,067
Pennsylvania	$2,002	$2,691
Rhode Island	$1,847	$1,897
South Carolina	$1,464	$2,123
South Dakota	$1,542	$2,037
Tennessee	$1,383	$1,939
Texas	$1,868	$2,693
Utah	$1,449	$2,151
Vermont	$1,000	$1,274
Virginia	$1,347	$1,857
Washington	$1,313	$1,938
Washington D.C.	$1,948	$2,563
West Virginia	$1,527	$2,132
Wisconsin	$1,246	$1,667
Wyoming	$1,510	$2,040

STATE	AVERAGE ANNUAL PREMIUM PRE-ACCIDENT	AVERAGE ANNUAL PREMIUM POST-ACCIDENT
Alabama	$443	$700
Alaska	$417	$618
Arizona	$579	$882
Arkansas	$437	$645
California	$619	$1,027
Colorado	$495	$731
Connecticut	$646	$965
Delaware	$747	$994
Florida	$997	$1,447
Georgia	$642	$942
Hawaii	$338	$470
Idaho	$271	$375
Illinois	$475	$697
Indiana	$329	$492
Iowa	$227	$315
Kansas	$419	$616
Kentucky	$658	$1,040
Louisiana	$807	$1,172
Maine	$227	$330
Maryland	$836	$1,242
Massachusetts	$446	$740
Michigan	$946	$1,351
Minnesota	$600	$878
Mississippi	$450	$721
Missouri	$515	$705
Montana	$310	$448
Nebraska	$367	$546
Nevada	$846	$1,224
New Hampshire	$324	$504
New Jersey	$855	$1,237
New Mexico	$347	$496
New York	$1,339	$1,438
North Carolina	$431	$617
North Dakota	$268	$361
Ohio	$336	$471
Oklahoma	$408	$591
Oregon	$625	$952
Pennsylvania	$441	$601
Rhode Island	$569	$587
South Carolina	$518	$743
South Dakota	$274	$384
Tennessee	$372	$535
Texas	$551	$824
Utah	$544	$809
Vermont	$242	$318
Virginia	$483	$665
Washington	$482	$722
Washington D.C.	$613	$837
West Virginia	$427	$601
Wisconsin	$363	$483
Wyoming	$262	$346

Car insurance rates after a DUI

DUIs are among the most serious offenses that a driver can commit and come with an average annual premium increase of 93%, as well as the potential of a suspended license and registration, numerous fines and other penalties based on your state’s regulations. They can also stay on your driving record for life in some states. Finding car insurance with a DUI on your MVR may be much more difficult than it is with a clean driving record, as not all insurance companies will agree to insure such risky drivers.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM BEFORE A DUI	AVERAGE ANNUAL FULL COVERAGE PREMIUM AFTER A DUI
Allstate	$2,438	$3,556
Amica	$1,495	$3,998
Auto-Owners	$1,305	$2,648
Farmers	$1,524	$2,617
Geico	$1,297	$3,196
Nationwide	$1,383	$2,557
Progressive	$1,561	$2,049
State Farm	$1,397	$2,293
Travelers	$1,447	$2,783
USAA	$1,209	$2,313

CARRIER	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM BEFORE A DUI	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AFTER A DUI
Allstate	$558	$970
Amica	$444	$1,140
Auto-Owners	$325	$803
Farmers	$550	$945
Geico	$365	$937
Nationwide	$549	$1,003
Progressive	$542	$694
State Farm	$456	$831
Travelers	$477	$885
USAA	$354	$678

STATE	AVERAGE ANNUAL PREMIUM PRE-DUI	AVERAGE ANNUAL PREMIUM POST-DUI
Alabama	$1,760	$3,175
Alaska	$1,770	$2,566
Arizona	$1,743	$3,379
Arkansas	$1,806	$3,101
California	$2,190	$5,230
Colorado	$2,019	$3,324
Connecticut	$1,533	$2,885
Delaware	$1,963	$3,623
Florida	$2,762	$4,457
Georgia	$2,009	$3,742
Hawaii	$1,206	$4,828
Idaho	$1,065	$1,756
Illinois	$1,533	$2,859
Indiana	$1,242	$2,255
Iowa	$1,254	$2,344
Kansas	$1,802	$3,007
Kentucky	$1,954	$3,539
Louisiana	$2,864	$5,530
Maine	$876	$1,577
Maryland	$1,931	$3,530
Massachusetts	$1,296	$2,465
Michigan	$2,345	$6,241
Minnesota	$1,692	$3,311
Mississippi	$1,701	$2,789
Missouri	$1,893	$2,844
Montana	$1,795	$3,037
Nebraska	$1,538	$2,689
Nevada	$2,426	$3,942
New Hampshire	$1,182	$1,897
New Jersey	$1,891	$3,511
New Mexico	$1,489	$2,472
New York	$2,996	$5,306
North Carolina	$1,392	$5,714
North Dakota	$1,225	$2,313
Ohio	$1,200	$2,209
Oklahoma	$1,902	$2,833
Oregon	$1,371	$2,411
Pennsylvania	$2,002	$3,717
Rhode Island	$1,847	$3,095
South Carolina	$1,464	$2,877
South Dakota	$1,542	$2,553
Tennessee	$1,383	$2,811
Texas	$1,868	$2,805
Utah	$1,449	$2,748
Vermont	$1,000	$2,043
Virginia	$1,347	$2,583
Washington	$1,313	$2,385
Washington D.C.	$1,948	$2,879
West Virginia	$1,527	$2,914
Wisconsin	$1,246	$2,197
Wyoming	$1,510	$2,922

STATE	AVERAGE ANNUAL PREMIUM PRE-DUI	AVERAGE ANNUAL PREMIUM POST-DUI
Alabama	$443	$859
Alaska	$417	$662
Arizona	$579	$1,174
Arkansas	$437	$810
California	$619	$1,438
Colorado	$495	$901
Connecticut	$646	$1,224
Delaware	$747	$1,458
Florida	$997	$1,785
Georgia	$642	$1,247
Hawaii	$338	$1,456
Idaho	$271	$481
Illinois	$475	$941
Indiana	$329	$657
Iowa	$227	$461
Kansas	$419	$776
Kentucky	$658	$1,356
Louisiana	$807	$1,883
Maine	$227	$433
Maryland	$836	$1,447
Massachusetts	$446	$844
Michigan	$946	$2,575
Minnesota	$600	$1,253
Mississippi	$450	$827
Missouri	$515	$836
Montana	$310	$592
Nebraska	$367	$657
Nevada	$846	$1,524
New Hampshire	$324	$652
New Jersey	$855	$1,517
New Mexico	$347	$690
New York	$1,339	$2,311
North Carolina	$431	$1,768
North Dakota	$268	$498
Ohio	$336	$669
Oklahoma	$408	$652
Oregon	$625	$1,133
Pennsylvania	$441	$871
Rhode Island	$569	$1,047
South Carolina	$518	$1,005
South Dakota	$274	$453
Tennessee	$372	$797
Texas	$551	$878
Utah	$544	$1,084
Vermont	$242	$469
Virginia	$483	$937
Washington	$482	$920
Washington D.C.	$613	$914
West Virginia	$427	$804
Wisconsin	$363	$696
Wyoming	$262	$488

Compare car insurance rates by credit score

In most states, your credit tier will affect your car insurance premium. Generally, drivers with lower credit-based insurance scores tend to file more claims and are thus viewed as a higher risk by carriers. California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as an auto insurance rating factor. Please note that Bankrate’s overall average rates for a 40-year-old reflect a driver with a credit score in the ‘good’ range, so average rates for drivers with good credit are not highlighted here.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. These 2022 rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or restrict insurers from using credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT
Allstate	$3,239	$731
Amica	$2,255	$647
Auto-Owners	$3,182	$794
Farmers	$2,579	$932
Geico	$1,791	$501
Nationwide	$1,928	$757
Progressive	$2,820	$1,008
State Farm	$3,584	$1,170
Travelers	$2,251	$752
USAA	$2,317	$626

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT
Allstate	$2,532	$579
Amica	$1,572	$466
Auto-Owners	$1,505	$381
Farmers	$1,620	$585
Geico	$1,379	$388
Nationwide	$1,534	$612
Progressive	$1,745	$601
State Farm	$1,614	$529
Travelers	$1,564	$521
USAA	$1,309	$380

CARRIER	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT
Allstate	$2,262	$518
Amica	$1,418	$425
Auto-Owners	$960	$238
Farmers	$1,274	$455
Geico	$1,207	$341
Nationwide	$1,218	$483
Progressive	$1,208	$429
State Farm	$1,107	$355
Travelers	$1,283	$425
USAA	$1,070	$317

STATE	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH POOR CREDIT
Alabama	$3,117	$764
Alaska	$2,451	$602
Arizona	$3,118	$1,049
Arkansas	$3,646	$869
California	$2,190	$619
Colorado	$3,355	$796
Connecticut	$2,880	$1,234
Delaware	$3,280	$1,242
Florida	$5,477	$2,167
Georgia	$3,172	$1,011
Hawaii	$1,206	$338
Idaho	$1,755	$438
Illinois	$2,455	$769
Indiana	$2,013	$539
Iowa	$2,230	$395
Kansas	$2,987	$695
Kentucky	$3,572	$1,155
Louisiana	$5,416	$1,510
Maine	$1,529	$409
Maryland	$3,127	$1,337
Massachusetts	$1,297	$446
Michigan	$5,896	$2,205
Minnesota	$3,155	$1,144
Mississippi	$3,082	$797
Missouri	$3,006	$839
Montana	$2,846	$484
Nebraska	$2,873	$663
Nevada	$3,505	$1,196
New Hampshire	$2,202	$603
New Jersey	$3,468	$1,546
New Mexico	$2,405	$562
New York	$6,835	$3,368
North Carolina	$1,743	$523
North Dakota	$2,284	$483
Ohio	$2,118	$561
Oklahoma	$3,379	$744
Oregon	$2,300	$1,068
Pennsylvania	$2,860	$630
Rhode Island	$3,039	$924
South Carolina	$2,794	$919
South Dakota	$3,253	$545
Tennessee	$2,654	$688
Texas	$3,088	$893
Utah	$2,551	$918
Vermont	$1,674	$407
Virginia	$2,344	$810
Washington	$1,366	$499
Washington D.C.	$3,138	$982
West Virginia	$2,597	$704
Wisconsin	$5,377	$1,480
Wyoming	$2,454	$389

STATE	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH FAIR CREDIT
Alabama	$1,896	$482
Alaska	$1,869	$444
Arizona	$1,903	$631
Arkansas	$2,002	$486
California	$2,190	$619
Colorado	$2,192	$537
Connecticut	$1,700	$716
Delaware	$2,140	$816
Florida	$3,124	$1,120
Georgia	$2,122	$682
Hawaii	$1,206	$338
Idaho	$1,146	$293
Illinois	$1,649	$512
Indiana	$1,337	$353
Iowa	$1,393	$249
Kansas	$1,942	$695
Kentucky	$2,148	$455
Louisiana	$3,147	$709
Maine	$949	$891
Maryland	$2,094	$247
Massachusetts	$1,296	$446
Michigan	$2,644	$1,084
Minnesota	$1,849	$658
Mississippi	$1,859	$492
Missouri	$1,995	$541
Montana	$1,889	$327
Nebraska	$1,702	$406
Nevada	$2,569	$889
New Hampshire	$1,320	$362
New Jersey	$2,087	$940
New Mexico	$1,570	$369
New York	$3,339	$1,511
North Carolina	$1,439	$444
North Dakota	$1,375	$302
Ohio	$1,304	$363
Oklahoma	$2,067	$458
Oregon	$1,494	$684
Pennsylvania	$2,115	$469
Rhode Island	$2,098	$646
South Carolina	$1,600	$566
South Dakota	$1,719	$303
Tennessee	$1,549	$421
Texas	$2,033	$605
Utah	$1,578	$595
Vermont	$1,077	$265
Virginia	$1,456	$515
Washington	$1,321	$485
Washington D.C.	$2,107	$661
West Virginia	$1,676	$467
Wisconsin	$1,394	$400
Wyoming	$1,616	$277

STATE	AVERAGE ANNUAL FULL COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT	AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM FOR DRIVERS WITH EXCELLENT CREDIT
Alabama	$1,543	$382
Alaska	$1,610	$369
Arizona	$1,527	$506
Arkansas	$1,521	$361
California	$2,190	$619
Colorado	$1,670	$412
Connecticut	$1,241	$525
Delaware	$1,655	$627
Florida	$2,319	$812
Georgia	$1,754	$551
Hawaii	$1,206	$338
Idaho	$954	$241
Illinois	$1,329	$408
Indiana	$1,078	$285
Iowa	$1,078	$196
Kansas	$1,571	$366
Kentucky	$1,671	$553
Louisiana	$2,433	$687
Maine	$783	$202
Maryland	$1,665	$733
Massachusetts	$1,296	$446
Michigan	$1,798	$716
Minnesota	$1,459	$503
Mississippi	$1,482	$389
Missouri	$1,566	$423
Montana	$1,572	$270
Nebraska	$1,304	$313
Nevada	$2,168	$760
New Hampshire	$950	$251
New Jersey	$1,474	$676
New Mexico	$1,323	$303
New York	$2,464	$1,083
North Carolina	$1,340	$416
North Dakota	$1,025	$223
Ohio	$1,009	$283
Oklahoma	$1,664	$368
Oregon	$1,202	$544
Pennsylvania	$1,823	$396
Rhode Island	$1,649	$498
South Carolina	$1,195	$428
South Dakota	$1,260	$231
Tennessee	$1,192	$323
Texas	$1,620	$474
Utah	$1,224	$459
Vermont	$885	$214
Virginia	$1,113	$394
Washington	$1,296	$477
Washington D.C.	$1,751	$555
West Virginia	$1,301	$366
Wisconsin	$1,040	$309
Wyoming	$1,264	$274

Compare car insurance rates by vehicle

One of the biggest premium rating factors for auto insurance is the type of vehicle you drive. Your vehicle’s make and model can impact everything from safety features to repair costs. The table below shows the average annual full coverage premiums for vehicles best suited to a broad range of lifestyles and budgets. On your quote, you may notice that your vehicle type affects your coverage costs. For example, collision and comprehensive costs may be higher on a vehicle with more expensive replacement parts than on a vehicle that has cheaper and more readily-available parts.

The price of medical coverage may be partly based on the vehicle’s safety features, which help protect you and any passengers in your vehicle. If you are shopping for a new vehicle, you may want to obtain quotes for each vehicle you consider purchasing, as they will have different rates.

MAKE AND MODEL	AVERAGE ANNUAL FULL COVERAGE PREMIUM	AVERAGE MONTHLY FULL COVERAGE PREMIUM
BMW 330i	$2,270	$189
Ford F-150	$1,523	$127
Honda Odyssey	$1,542	$129
Toyota Prius	$1,924	$160

Frequently asked questions

No car brand, make or model offers the cheapest auto insurance rates for every driver. As a general rule, luxury vehicles can be more expensive to insure because of their higher value and the increased cost of repair. This doesn’t automatically mean economy cars are always cheaper to insure, however. In fact, certain lower price point vehicles tend to be more popular due to their affordability, which increases the likelihood that those vehicles will be involved in accidents or break-ins and can lead to higher insurance rates. If you’re debating between a few different cars, ask your insurance agent for quotes for each option so you can understand how much each car will cost to insure.
While getting more than one insurance quote is helpful, at some point, it may be information overload. It can also be time-consuming to keep requesting car insurance quotes, which can happen if you’re not strategic about which companies to quote from. Start with three carriers that you feel could most closely meet your needs, and then consider more if these options don’t work for you.
In every state except California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, your gender can affect how much you pay for car insurance. Men typically face more expensive premiums than women because data shows they may engage in riskier driving behaviors. A study from the Insurance Institute for Highway Safety showed that men in almost every age group were involved in more fatal car accidents than women in the same age demographic.

As drivers age, gender tends to have less of an impact on car insurance rates. For instance, according to rate data provided by Quadrant Information Services, 18-year-old males pay 15% more for car insurance than 18-year-old females. By the time men and women reach age 70, however, gender may no longer have a significant impact on rates.
Shopping for car insurance is more than just looking for the cheapest rate, so the answer to this question starts with understanding your own car insurance needs and priorities. Quality customer service, in person offices or even optional coverage choices might be factors that are important to you. Knowing what you need in a policy can help you compare car insurance companies to see which one you want to work with. Before obtaining quotes, it may benefit you to speak to insurance agents, friends or family who may be able to help you gauge which insurance company you want to move forward with.
Bankrate has been a trusted source of guidance since its inception in 1976 as the Bank Rate Monitor, a print publisher for the banking industry. Today, Bankrate helps millions of readers every month make informed financial decisions regarding insurance, mortgages, credit cards, loans and more. Additionally, our editorial integrity is of utmost importance — we vet our sources for accuracy and authority and utilize proprietary rate data provided by Quadrant Information Services. We are licensed agents, and our insurance editorial staff is committed to bringing you accurate, valuable, real-world information that you can use to compare auto insurance rates with confidence.