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Compare car insurance rates in December 2022

Bankrate’s licensed insurance agents walk you through comparing car insurance quotes with this comprehensive, step-by-step guide.

Updated Dec 01, 2022
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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 

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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.

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.

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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. 

Our car insurance rates methodology

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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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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.

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.

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.

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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

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.

Auto 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

Auto 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

Auto 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

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.

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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

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

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.

Frequently asked questions

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