$1,176/year – Minimum state coverage
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Auto Insurance Quotes
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Compare car insurance options for your ZIP code, vehicle, driving profile, and coverage needs. Enter your ZIP once and start a guided quote experience built for speed, clarity, and confidence.
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01Enter ZIP
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02Compare carriers
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03Choose coverage
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Compare smarter
Compare free auto insurance quotes from 30+ carriers.
Car insurance prices can vary dramatically between carriers for the same driver. A shopper with identical vehicle, ZIP code, and coverage details may see hundreds or even thousands of dollars of difference over a year.\n\nCompare price, coverage limits, deductibles, discounts, and service preferences side by side.
Rate snapshot
How much does auto insurance cost on average?
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$2,232/year – Liability + collision + comprehensive
Carrier comparison
Sample full coverage pricing for a 35-year-old driver with a clean record and good credit.
| Carrier | Full Coverage/mo | Annual | Best For |
|---|---|---|---|
| Travelers | $139 | $1,668 | Cheapest national sample for clean records |
| GEICO | $158 | $1,896 | Competitive across many driver profiles |
| State Farm | $171 | $2,052 | Drivers who prefer local agent access |
| Progressive | $189 | $2,268 | High-risk drivers and SR-22 scenarios |
| Allstate | $248 | $2,976 | Bundling discounts and broad coverage |
| Farmers | $339 | $4,068 | Coverage add-ons and personalized policies |
Local rates
Compare car insurance costs by state.
State requirements, claim trends, traffic density, repair costs, weather risk, and local regulations all influence premiums.
Coverage guide
What type of car insurance coverage do drivers need?
Collision coverage
Helps pay to repair or replace a vehicle after a crash with another vehicle or object, and may be required by a lender.
Comprehensive coverage
Protects against non-collision losses such as theft, vandalism, fire, hail, flood damage, and falling objects.
Liability coverage
Helps cover injuries or property damage caused to others.
Medical payments
Can help pay medical expenses for covered drivers and passengers after an accident.
Personal injury protection
PIP may cover medical bills, lost income, and related expenses in certain states.
Uninsured motorist
Helps protect against drivers who have no insurance or too little insurance.
Discounts
Common auto insurance discounts shoppers should ask about.
Combining policies can reduce premiums across household coverage.
Insuring more than one vehicle may unlock a lower combined rate.
Anti-theft systems and driver-assistance technology may qualify.
Clean records, telematics programs, and defensive driving can help.
Eligible full-time students may receive savings based on grades or status.
Some insurers offer discounts for active service members or qualifying careers.
Minimum car insurance required by law
Minimum requirements vary by state. Many states require bodily injury and property damage liability, while no-fault states may require PIP.
How to lower car insurance rates
Compare annually, raise deductibles carefully, bundle policies, try telematics, keep a clean record, and improve credit where allowed.
Rental car coverage
Personal auto coverage often extends to rental cars in the U.S. and Canada, but exclusions should be confirmed with the insurer.
When to compare again
Compare at renewal, after moving, after buying a car, after a violation drops off, or when an older vehicle may no longer need full coverage.
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Frequently asked questions
Answers for auto insurance shoppers.
A standard policy can vary widely depending on location, driver profile, vehicle, coverage level, and discounts.
Compare several providers, match coverage limits carefully, ask about bundles and discounts, and review quotes at each renewal.
Full coverage commonly describes liability, collision, and comprehensive coverage together.
Driver information, vehicle details, VIN, coverage preferences, mileage, address, and driving history help produce more accurate options.