It’s important to compare insurance quotes auto to guarantee you’re receiving the best deal for a necessary expense. While most insurance providers take into account similar criteria to determine pricing, each one has its own special formula for setting rates. This explains why two companies can have vastly different rates for the same driver.
compare insurance quotes auto
Determining the factors that have the greatest influence on your car insurance rate can be quite challenging since each company evaluates these factors in their own unique way. While we can provide you with a list of the most common factors, it’s impossible to determine which one holds the utmost significance for a specific insurer.
We can assist you in finding the most competitive insurance rates by providing you with average annual premiums for both minimum and full coverage car insurance. Additionally, we have compiled average rates for drivers with different levels of driving experience and credit backgrounds across all states and major auto insurance providers to make your search even easier.
Your age plays a significant role in determining your car insurance premium. While it’s common knowledge that teenage drivers usually face the highest rates, they are not the only ones affected. As you enter your thirties, you can expect a decrease in your rates, but once you reach your seventies, you may notice an increase in your premiums.
Below are the average costs of full and minimum coverage, by age, for drivers with good credit and a clean driving history.
| Age | Average cost of full coverage | Average cost of minimum coverage |
|---|---|---|
| 20 | $4,110 | $1,174 |
| 30 | $2,039 | $563 |
| 35 | $1,982 | $549 |
| 40 | $1,928 | $538 |
| 50 | $1,794 | $1,794 |
| 60 | $1,713 | $500 |
| 70 | $1,852 | $564 |
Compare insurance quotes auto for 20-year-olds
Drivers who are around 20 years old usually face higher car insurance rates due to their higher likelihood of getting into accidents compared to older drivers. We suggests comparing different auto insurance rates to secure the most cost-effective option, even if it may not be as budget-friendly as rates for other age groups.
We gathered average annual rates from nine of the top 10 private passenger auto insurance companies in the country to better understand how age impacts your car insurance. Unfortunately, we couldn’t find data for Liberty Mutual.
Average annual rate for 20 year olds, by company
Explore further by comparing the yearly rates for 20-year-olds in each state. The rates are calculated separately for full coverage and minimum coverage, and are averaged nationwide.
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $6,358 | $1,283 |
| American Family | $2,039 | $563 |
| Farmers | $1,982 | $549 |
| Geico | $1,928 | $538 |
| Nationwide | $1,794 | $1,794 |
| Progressive | $1,713 | $500 |
| State Farm | $1,852 | $564 |
Compare auto insurance rates for 35 year olds
Drivers who are around 35 years old tend to have fewer accidents compared to younger drivers, which is why they usually qualify for lower car insurance rates than those in their 20s.
Average annual rate for 35-year-olds, by company
In addition to USAA, which is exclusively accessible to military personnel, veterans, and their families, Travelers offers the most affordable full coverage option for 35-year-olds, averaging at $1,681.
Farmers comes in the highest at $3,106, on average.
Check out the chart below that compares the average annual car insurance rates for 35-year-olds across different companies. Remember, not all of these companies may be available in your state.
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $6,358 | $1,283 |
| American Family | $2,039 | $563 |
| Farmers | $1,982 | $549 |
| Geico | $1,928 | $538 |
| Nationwide | $1,794 | $1,794 |
| Progressive | $1,713 | $500 |
| State Farm | $1,852 | $564 |
Average annual rate for 35-year-olds, by state
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $6,358 | $1,283 |
| American Family | $2,039 | $563 |
| Farmers | $1,982 | $549 |
| Geico | $1,928 | $538 |
| Nationwide | $1,794 | $1,794 |
| Progressive | $1,713 | $500 |
| State Farm | $1,852 | $564 |
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $6,358 | $1,283 |
| American Family | $2,039 | $563 |
| Farmers | $1,982 | $549 |
| Geico | $1,928 | $538 |
| Nationwide | $1,794 | $1,794 |
| Progressive | $1,713 | $500 |
| State Farm | $1,852 | $564 |
Compare car insurance rates for drivers with a DUI
Following a DUI, your car insurance premium will increase — sometimes, it might even double. However, you have the power to choose your insurance provider. A DUI can impact your auto insurance rates for 3 to 10 years, which is why it’s wise to compare prices and find the best deal post-DUI.
🤓 chequepay Tip
If you have a DUI, you may be required to submit an SR-22 form, depending on your state’s requirements. Insurers can typically file an SR-22 form for you. However, some companies drop drivers who have a recent DUI or other serious offense.
Average annual rate for drivers with a DUI, by company
You can find a comparison of average car insurance rates for 35 year olds before and after a DUI below. Please note that availability may vary depending on your state.
| Company | Drivers with a clean record | Drivers with a DUI |
|---|---|---|
| Allstate | $2,665 | $3,939 |
| American Family | $1,791 | $2,433 |
| Farmers | $3,106 | $6,268 |
| Geico | $1,928 | $538 |
| Nationwide | $1,794 | $1,794 |
| Progressive | $1,713 | $500 |
| State Farm | $1,852 | $564 |
How to compare car insurance rates
Before you start looking for car insurance, take some time to think about what’s important to you. If your car has aftermarket parts or customizations, you might need specialized coverage. And if you have a teenager who’s about to start driving, it’s important to find the best rates for adding them to your policy. Whether you want comprehensive coverage or something simpler, figuring out your needs will help you find the best auto insurance rates. When you’re ready to get started, here are some steps to help you streamline the process:
Whether you seek extensive coverage or prefer simplicity, clarifying your needs will direct you towards favorable auto insurance rates. When you’re prepared to begin, streamline the process with the following steps:
1. Collect your personal information
You can expect to provide the same personal information when obtaining an auto insurance quote, whether online or by phone. Below are the details you should have ready:
- Driver information: To get a quote, you need to provide the names, birthdays, and driver’s license numbers of all the drivers in your household and anyone else who regularly drives your vehicle.
- Vehicle information: When providing vehicle information for insurance coverage, make sure to include the make and model of each vehicle. If possible, include the vehicle identification numbers (VIN) for a more accurate quote. Also, provide details about any aftermarket parts installed on your vehicle.
- Driving history: When getting a car insurance quote, the company may ask about any accidents or tickets within a certain time period. If you don’t disclose this information upfront, your quoted premium may increase after the company reviews your driving records when you decide to purchase the policy.
- Usage information: How frequently you drive can impact your car insurance expenses. When you ask for quotes, the insurance company will probably inquire about your driving frequency, estimated yearly mileage, commuting habits, and so on.licy.
2. Choose the right coverage levels
Once you provide your personal and vehicle information, the company will inquire about the coverage types you want to include in your quote. When choosing your coverage level, your specific needs and financial goals will determine the best coverage package for you. For example, if you’re leasing your vehicle, your financial lender will likely require you to have liability limits higher than your state’s required minimum limits. If you have a newer vehicle that you’re still paying for, you may want to consider adding gap insurance. Regardless of your choices, it’s a good idea to request similar coverage options on each quote to ensure you are making a fair comparison.
Understand car insurance requirements in your state
In most states, drivers are required to purchase a car insurance policy in order to register their vehicles, with the exceptions of New Hampshire and Virginia. While the specific minimum requirements vary from state to state, they typically include bodily injury and property damage liability. In no-fault states, additional coverage such as personal injury protection, uninsured motorist coverage, and medical payments coverage may also be required. Understanding the coverage requirements in your state can help you grasp how your policy works to safeguard your finances and identify any potential coverage gaps.
3. Compare auto insurance quotes
After you’ve provided your information to the insurance company, you will get a coverage proposal or quote. This will include an estimate of the premium based on the coverage options you chose, and a list of the drivers covered. Your quote should also include any discounts you qualify for, such as a home and auto bundle, safe driving, student, or other types of discounts. The amount of discounts can vary between insurers, with some offering more opportunities for savings than others.
Please keep in mind that if the insurance company did not check the driving records of all drivers listed on the policy, the quote can change once you purchase the policy. Additionally, sometimes more information is required before a policy can be issued, such as proof of address or prior insurance. The insurance company will inform you if additional information is needed, along with instructions on how to provide it and an estimated timeframe for approval.
4. Compare auto insurance quotes
It’s important to research the top home insurance companies to find out their financial strength ratings and customer service reviews. This will help you narrow down your options. Asking for home insurance quotes will give you a better idea of policy offerings, estimated premiums, and discount opportunities. Getting quotes from more than one company will allow you to compare and choose the best coverage for your needs and budget. It’s also a good way to familiarize yourself with the company’s online services or connect with local insurance agents, depending on how you prefer to manage your policy.