Compare Car Insurance Quotes (2024 Rates)
- Your age, driving record and car are three top factors that affect rates.
- Compare car insurance quotes from multiple companies to find the best price.
- Explore quotes from our partners to see how costs compare.
Insurance Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.
When it comes to car insurance, prices are all over the map. One company might have great rates for drivers with a spotless record but could charge an arm and a leg if you’ve got tickets or you caused an accident. Your best bet? Get quotes from at least three different insurers and see how they stack up. That way, you can find the sweet spot between coverage and cost.
Compare Car Insurance Rates 2024
Comparing auto insurance quotes is all about gathering options so you can find the best car insurance companies.
Compare car insurance rates:
- By age
- For seniors
- For adding a teen driver
- For drivers with a speeding ticket
- For drivers with a DUI
- For drivers with an at-fault accident
- By credit score
- By vehicle
Compare Auto Insurance Rates by Age
Your age affects car insurance rates. Young, inexperienced drivers pay the most but can expect their rates to start going down around age 25. Drivers with good driving records who are free of tickets or accidents enjoy the best rates in their 50s and 60s. Rates start to increase again around age 70.
| Age | Average Annual Cost Of Full Coverage Car Insurance |
|---|---|
| 18 | $5,575 |
| 25 | $2,419 |
| 30 | $2,197 |
| 40 | $2,078 |
| 50 | $1,934 |
| 60 | $1,861 |
| 70 | $2,034 |
| 80 | $2,507 |
We analyzed car insurance rates for a variety of ages. See our findings:
- Cheap Car Insurance For Teens And Young Drivers
- Best and Cheapest Car Insurance For College Students
- Best Car Insurance For Seniors
Compare Car Insurance Rates for 18-Year-Olds
Drivers who are 18 are relatively new to driving and are more likely to be in auto accidents than more mature and experienced drivers. That makes car insurance for 18-year-olds more expensive.
By Company
Prices for auto insurance vary greatly from one company to another because they calculate their rates using different formulas. We analyzed average rates for full coverage insurance and state minimum car insurance and found that Erie has the cheapest rates for an 18-year-old.
| Company | Full Coverage Car Insurance Cost Per Year |
|---|---|
| Erie | $3,229 |
| USAA* | $3,615 |
| Auto-Owners | $4,101 |
| Travelers | $4,119 |
| Geico | $4,473 |
| Westfield | $4,690 |
| Nationwide | $4,726 |
| State Farm | $4,891 |
| Allstate | $7,232 |
| Safe Auto | $7,283 |
*USAA auto insurance is available only to the military, veterans and their families.
By State
Car insurance costs differ considerably from state to state for an 18-year-old driver. Hawaii—a state that prohibits age as a rating factor—is the cheapest state in our analysis. Florida and Louisiana have the most expensive auto insurance for drivers age 18.
| State | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| Alabama | $5,676 | $1,768 |
| Alaska | $4,765 | $1,468 |
| Arizona | $6,153 | $2,088 |
| Arkansas | $5,723 | $1,640 |
| California | $7,268 | $1,993 |
| Colorado | $7,791 | $2,145 |
| Connecticut | $5,970 | $2,671 |
| Delaware | $6,945 | $2,912 |
| Florida | $9,018 | $3,421 |
| Georgia | $6,685 | $2,702 |
| Hawaii | $1,474 | $416 |
| Idaho | $3,753 | $1,347 |
| Illinois | $5,469 | $1,819 |
| Indiana | $3,907 | $1,294 |
| Iowa | $3,895 | $945 |
| Kansas | $5,364 | $1,616 |
| Kentucky | $6,361 | $2,215 |
| Louisiana | $9,484 | $3,016 |
| Maine | $3,397 | $1,189 |
| Maryland | $7,144 | $2,912 |
Compare Car Insurance Rates for 25-Year-Olds
Rates start to fall for young drivers around age 25. These drivers now have several years of experience behind the wheel, so they pose less risk.
By Company
USAA has the lowest average cost for full coverage and state minimum car insurance for 25-year-olds if you qualify with a military connection. Travelers has the cheapest full coverage for all other drivers age 25.
Erie and Westfield are the cheapest insurers for state minimum coverage. They are regional companies so if they don’t serve your area, check quotes from Geico.
Safe Auto has the most expensive insurance for drivers age 25 among the companies in our analysis.
| Company | Full Coverage Car Insurance Cost Per Year |
|---|---|
| USAA* | $1,694 |
| Travelers | $1,737 |
| Nationwide | $1,849 |
| Geico | $2,097 |
| Erie | $2,106 |
| Progressive | $2,160 |
| State Farm | $2,307 |
| Auto-Owners | $2,372 |
| Mercury | $2,497 |
| Westfield | $2,549 |
*USAA auto insurance is available only to the military, veterans and their families.
By State
Hawaii and Vermont are the cheapest states for 25-year-old drivers who want full coverage. Florida and Louisiana are the most expensive.
The cheapest state for minimum car insurance coverage for 25-year-olds is Wyoming, followed by Hawaii and Vermont. Florida is the most expensive state for 25-year-olds to buy minimum coverage.
| State | Full Coverage Car Insurance Cost Per Year |
|---|---|
| Alabama | $2,239 |
| Alaska | $2,020 |
| Arizona | $2,668 |
| Arkansas | $2,532 |
| California | $3,381 |
| Colorado | $2,862 |
| Connecticut | $2,444 |
| Delaware | $2,543 |
| Florida | $4,136 |
| Georgia | $2,609 |
Compare Car Insurance Rates for 30-Year-Olds
By age 30, drivers generally have fewer accidents than younger drivers and can get better car insurance quotes.
By Company
USAA has the cheapest full coverage and state minimum car insurance rates for 30-year-olds, according to our analysis. Only military members, veterans and their families are eligible for USAA auto policies. Travelers is the cheapest for full coverage for other drivers and Auto-Owners is the cheapest for minimum coverage.
Allstate and Safe Auto are the most expensive companies for 30-year-old drivers.
| Company | Full Coverage Car Insurance Cost Per Year |
|---|---|
| USAA* | $1,493 |
| Travelers | $1,662 |
| Nationwide | $1,677 |
| Erie | $1,812 |
| Geico | $1,874 |
| Auto-Owners | $1,909 |
| Progressive | $2,043 |
| State Farm | $2,164 |
| Mercury | $2,235 |
| Westfield | $2,274 |
*USAA auto insurance is available only to the military, veterans and their families.
By State
Vermont, Maine, Idaho and Hawaii are the cheapest states for 30-year-olds buying a full coverage policy, while Florida and Louisiana cost the most.
The cheapest states for buying minimum coverage at age 30 are Wyoming, Vermont and Iowa. Florida, New Jersey and Michigan are the costliest.
| State | Full coverage car insurance cost per year | Minimum coverage car insurance cost per year |
|---|---|---|
| Alabama | $2,040 | $543 |
| Alaska | $1,921 | $512 |
| Arizona | $2,434 | $756 |
| Arkansas | $2,320 | $562 |
| California | $2,929 | $753 |
| Colorado | $2,661 | $583 |
| Connecticut | $2,182 | $936 |
| Delaware | $2,447 | $1,090 |
| Florida | $3,838 | $1,454 |
| Georgia | $2,307 | $865 |
| Hawaii | $1,341 | $380 |
| Idaho | $1,339 | $444 |
| Illinois | $2,130 | $647 |
| Indiana | $1,760 | $508 |
| Iowa | $1,774 | $346 |
| Kansas | $2,280 | $597 |
| Kentucky | $2,643 | $852 |
| Louisiana | $3,942 | $1,101 |
| Maine | $1,336 | $452 |
| Maryland | $2,313 | $1,016 |
Compare Car Insurance Rates for Seniors
The best car insurance companies for seniors provide ample coverage choices and good customer service at a decent price. Nationwide and Travelers have the cheapest car insurance rates for seniors for full coverage, while USAA is a cheap choice for seniors who have a military connection.
Car insurance costs usually rise as drivers pass age 65. By age 70, senior drivers are paying an average of 11% more than they were at age 60. At age 80, they’re paying about 37% more than they did at age 60 and 23% more than age 70.
| Company | Average Annual Senior Car Insurance Costs |
|---|---|
| Nationwide | $1,479 |
| USAA* | $1,506 |
| Travelers | $1,552 |
| Erie | $1,734 |
| Geico | $1,804 |
| Auto-Owners | $1,839 |
| Progressive | $1,934 |
| State Farm | $2,020 |
| Westfield | $2,238 |
| Mercury | $2,519 |
*USAA auto insurance is available only to the military, veterans and their families
Compare Car Insurance Rates for Adding a Teen Driver
There’s no escaping the higher price of car insurance for teens, but you can still save money by comparing car insurance quotes if you’re adding a teen driver to your policy.
Our analysis found that Nationwide and Erie have the best rates for adding a teen driver to a full coverage policy.
| Company | Annual Car Insurance Cost After Adding A 16-Year-Old To A Parent Policy |
|---|---|
| Nationwide | $2,990 |
| Erie | $3,541 |
| USAA* | $3,935 |
| Progressive | $4,296 |
| Geico | $4,360 |
| State Farm | $4,654 |
| Travelers | $4,727 |
| Auto-Owners | $4,865 |
| Mercury | $5,050 |
| Westfield | $5,358 |
*USAA auto insurance is available only to the military, veterans and their families.
Compare Car Insurance Rates by Driving Record
Your driving record heavily influences your car insurance rates. Insurers scrutinize your past driving behavior to gauge your level of risk. If your driving record includes a speeding ticket, accident or other issue, your costs will be higher.
Compare Car Insurance Rates for Drivers With a Speeding Ticket
Drivers can expect car insurance rates to go up after a speeding ticket. We found costs go up an average of 26%.
By Company
A speeding ticket is a minor traffic violation, so the rate increase is relatively small compared to a major violation like a DUI. USAA is the cheapest company for those who qualify. Nationwide and Erie are the cheapest for all other drivers, among the insurers in our analysis.
| Company | Average Car Insurance Cost Per Year After A Speeding Ticket |
|---|---|
| USAA* | $1,661 |
| Nationwide | $1,878 |
| Erie | $1,899 |
| Travelers | $2,062 |
| Geico | $2,150 |
| State Farm | $2,270 |
| Westfield | $2,335 |
| Progressive | $2,350 |
| Auto-Owners | $2,457 |
| Mercury | $3,062 |
*USAA auto insurance is available only to the military, veterans and their families
By State
Drivers with speeding tickets will see a bump up in car insurance rates ranging from an average of 13% to 54%, depending on the state. How long a speeding ticket will stay on your record varies by state, but it’s generally three to five years.
Texas insurers have the lowest increase for drivers with speeding tickets (13%). Michigan has the highest increase (54%).
Vermont has the lowest average rate for drivers with a speeding ticket ($1,353 a year). That’s a 17% rate increase compared to a driver with a clean record.
| State | Average car insurance cost per year after a speeding ticket | Average car insurance cost per month after a speeding ticket |
|---|---|---|
| Alabama | $2,416 | $201 |
| Alaska | $2,194 | $183 |
| Arizona | $2,668 | $222 |
| Arkansas | $2,749 | $229 |
| California | $4,020 | $335 |
| Colorado | $3,314 | $276 |
| Connecticut | $2,692 | $224 |
| Delaware | $2,797 | $233 |
| Florida | $4,838 | $403 |
| Georgia | $2,425 | $202 |
| Hawaii | $1,597 | $133 |
| Idaho | $1,534 | $128 |
| Illinois | $2,408 | $201 |
| Indiana | $2,121 | $177 |
| Iowa | $1,872 | $156 |
| Kansas | $2,571 | $214 |
| Kentucky | $2,945 | $245 |
| Louisiana | $4,471 | $373 |
| Maine | $1,668 | $139 |
| Maryland | $2,698 | $225 |
Compare Car Insurance for Drivers With a DUI
A DUI is a costly insurance mistake. Our analysis found that the average car insurance rate increase for drivers with a DUI is 71%. You can find the cheapest car insurance after a DUI by getting quotes from multiple companies.
By Company
Our analysis found that Progressive generally has the best quotes for drivers with a DUI conviction. Westfield is the most expensive, with rates almost double those from Progressive.
| Company | Average Car Insurance Cost Per Year For Drivers With A DUI |
|---|---|
| Progressive | $2,307 |
| USAA* | $2,604 |
| Travelers | $2,610 |
| Erie | $2,665 |
| State Farm | $2,716 |
| Nationwide | $3,083 |
| Mercury | $3,172 |
| Auto-Owners | $3,578 |
| Geico | $3,723 |
| Safe Auto | $4,101 |
*USAA auto insurance is available only to the military, veterans and their families.
By State
A DUI typically raises your auto insurance rates for three to five years, depending on your state.
Idaho has the cheapest rates for drivers with a DUI and California is the most expensive, with a 121% hike, on average. In addition, in California, you can’t receive a good driver discount until 10 years have passed after a DUI.
The percentage increase for a DUI in North Carolina is 203%, the highest in the country.
| State | Average car insurance cost per year for drivers with a DUI | Average car insurance cost per month for drivers with a DUI |
|---|---|---|
| Alabama | $2,851 | $238 |
| Alaska | $2,389 | $199 |
| Arizona | $3,022 | $252 |
| Arkansas | $3,159 | $263 |
| California | $6,112 | $509 |
| Colorado | $3,758 | $313 |
| Connecticut | $4,283 | $357 |
| Delaware | $3,764 | $314 |
| Florida | $4,944 | $412 |
| Georgia | $3,306 | $276 |
| Hawaii | $2,944 | $245 |
| Idaho | $1,976 | $165 |
| Illinois | $2,990 | $249 |
| Indiana | $2,808 | $234 |
| Iowa | $2,699 | $225 |
| Kansas | $3,192 | $266 |
| Kentucky | $3,809 | $317 |
| Louisiana | $4,768 | $397 |
| Maine | $2,222 | $185 |
| Maryland | $3,799 | $317 |
