Compare Car Insurance Rates

Instantly compare car insurance quotes to find the cheapest rate.

Why comparing auto insurance quotes is important

You’re looking to save money on car insurance, and you know you have to comparison shop to find the best deal.

However, many auto insurance quote comparison websites can’t sell you insurance. Instead, they make money by selling your personal information to insurance companies and brokers.

When you let Gabi do the comparison shopping for you, we handle everything. Like a true concierge service, we’ll find the best price, contact the insurance company, and get your policy set up.

Table of Contents:

How to compare car insurance quotes

You need an auto insurance policy that covers your needs (without going overboard) and doesn’t cost an arm and a leg. Take these steps to make sure you’re getting the best deal:

1. Know your state limits
Nearly every state requires some form of auto insurance. If you drive uninsured or underinsured, you risk traffic citations, having your car towed, or even a potential loss of license depending on where you live. Know what’s required in your state before you sign up for a policy.
2. Gather your info
Finding the best deal often comes down to knowing what you need. Before you compare auto insurance policies, get to know the basics of your ride:
  • Year
  • Make
  • Model
  • Special features
  • Safety features
It also helps to spend some time thinking about how you drive. Commuting to work every day or planning a big road trip this year? You likely put more miles on the road. However, if you’re working remotely and only using your car for occasional errands, you might get a discount as a low-mileage driver. And don’t forget to add your spouse, family members, or anyone else who regularly drives your car to your policy!
3. Choose your coverage levels
Auto insurance isn’t one-size-fits-all. While you can tailor your policy in several ways, auto insurance breaks down into three main types:

Liability: Covers the other drivers on the road and meets most state’s legal requirements, but won’t protect you if you’re involved in an accident.

Collision: Provides protection against road accidents. If you’re involved in an accident, your insurer will cover all or part of the cost of repairing or replacing your vehicle, depending on your coverage limits.

Comprehensive: Protects you against practically everything else that can happen to your car. That includes damage from natural disasters, vandalism, and theft.
4. Decide if you need full coverage
A full coverage policy typically encompasses liability, collision, and comprehensive coverage. If you’re involved in an accident, full coverage pays for injuries and damages for both you and the other driver. You’re also covered if your car is damaged or stolen and not recovered.
Full coverage is great to have, especially for drivers who frequently park on busy streets, but not everyone needs it. If your car is an older model, typically parked in a garage, or not driven heavily, you may save money by cutting down on insurance.
Not sure what you need? The licensed insurance agents at Gabi can help you choose the perfect coverage level for you!
5. Compare
Once you have an idea of what to look for, request quotes from multiple insurance providers. Rates for the same coverage can vary widely from insurer to insurer, so it helps to compare at least three policies — and up to as many as you want.
You can compare policies by contacting insurance providers directly. For an easier way, use a comparison site like Gabi to see multiple policies from nationwide providers in just a few minutes (or less).
Let Gabi find a better insurance policy for you, for free.

Comparing auto insurance rates can save you money

Gabi takes the effort out of comparison shopping by letting you link your current insurance account. We can automatically analyze your policy to determine information about your coverage, car, and the drivers on your policy.

We can then look for a better rate—with equal or better coverage—from other insurance companies. Within a few minutes, we’ll let you know if you’ve got the best deal, or if you can save money by switching.

Unlike some car insurance comparison tools, we also offer renters and home insurance quote comparisons. Using these, you can determine whether you’ll save money by bundling your auto and home insurance, or if you can save the most by using two companies.

Can you save money by switching?

Many people are overpaying for their insurance and don’t realize it because they haven’t looked for a better deal. You can keep your same car, driving habits, record, and coverage, and still save money simply by switching insurance providers.

We’ve analyzed how much Gabi users could save to figure out the average overpayment from drivers in every state.

Average Monthly Car Insurance Overpayment By State

US heatmap
State
Average overpayment amount
Percentage
LA
$1,159
37%
MI
$1,117
37%
NY
$1,138
40%
GA
$1,020
38%
FL
$858
32%
DE
$760
29%
NV
$842
33%
TX
$833
33%
NJ
$858
34%
SC
$924
38%
RI
$832
34%
MD
$751
31%
CT
$983
41%
CO
$805
34%
HI
$845
37%
MA
$1,069
47%
MS
$853
38%
KY
$745
34%
CA
$701
32%
NM
$914
43%
OK
$622
29%
WA
$794
37%
AZ
$807
38%
AL
$749
36%
AK
$786
37%
AR
$615
29%
PA
$822
39%
MO
$775
39%
WV
$631
31%
WY
$770
39%
OR
$759
39%
TN
$683
36%
KS
$652
35%
UT
$689
37%
NC
$821
44%
MT
$719
39%
VA
$740
40%
MN
$728
39%
NE
$811
44%
NH
$671
37%
IL
$720
40%
IN
$703
39%
IA
$760
43%
OH
$742
43%
DC
$684
39%
SD
$427
25%
VT
$637
37%
ND
$628
37%
WI
$674
43%
ID
$667
44%
ME
$673
47%

See why customers love Gabi.

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What impacts your car insurance rates?

The insurance provider you choose is an important factor, but many things can impact your insurance rates:

Car Insurance Comparison by Age and Gender

Your age can be a major factor in how much you pay, as young drivers tend to be riskier drivers. Gender can play a role as well, although it’s not as important of a factor.

Auto Insurance Rates by Age

Average Auto Insurance Rates for People Under 20

CompanyAverage Annual Premium
Allstate$808
American Family$448
Farmers$676
GEICO$1,774
Liberty Mutual$1,177
Progressive$267
State Farm$346
USAA$696

Average Auto Insurance Rates for Those in Their 20’s

CompanyAverage Annual Premium
Allstate$1,559
American Family$1,137
Farmers$1,221
GEICO$1,810
Liberty Mutual$1,677
Nationwide$1,348
Progressive$429
State Farm$832
Travelers$1,736
USAA$1,262

Average Auto Insurance Rates for Those in Their 30’s

CompanyAverage Annual Premium
Allstate$1,720
American Family$1,324
Farmers$1,390
GEICO$1,701
Liberty Mutual$1,650
Nationwide$1,459
Progressive$502
State Farm$954
Travelers$1,725
USAA$1,373

Average Auto Insurance Rates for Those in Their 40’s

CompanyAverage Annual Premium
Allstate$1,936
American Family$1,571
Farmers$1,655
GEICO$1,984
Liberty Mutual$1,880
Nationwide$1,730
Progressive$617
State Farm$982
Travelers$1,843
USAA$1,684

Average Auto Insurance Rates for Those in Their 50’s

CompanyAverage Annual Premium
Allstate$1,921
American Family$1,364
Farmers$1,544
GEICO$1,930
Liberty Mutual$1,933
Nationwide$1,688
Progressive$624
State Farm$854
Travelers$1,804
USAA$1,616

Average Auto Insurance Rates for Those in Their 60’s

CompanyAverage Annual Premium
Allstate$1,269
American Family$741
Farmers$881
GEICO$1,235
Liberty Mutual$1,178
Nationwide$924
Progressive$409
State Farm$486
Travelers$1,076
USAA$928

Average Auto Insurance Rates for Those Over 70+

CompanyAverage Annual Premium
Allstate$874
American Family$541
Farmers$549
GEICO$867
Liberty Mutual$805
Nationwide$622
Progressive$296
State Farm$261
Travelers$633
USAA$640

Auto Insurance Rates by Gender

$1000
$900
$800
$700
$600
$500
$400
$300
$200
$100
$0
Female
$879
Male
$994
GenderAverage Yearly Premium
FemaleMale
$879$994

Compare Auto Insurance Rates By Driving History

Your driving record is also important. The more recent accidents or traffic violations you’ve had, the more you’ll wind up paying.

Average Annual Premium

$4000
$3500
$3000
$2500
$2000
$1500
$1000
$500
$0
0
$1416
1
$1604
2
$1883
3
$2126
4
$2337
5
$2493
6
$2711
7
$2985
8
$3061
9
$3158
10
$3174
11
$3208
12
$3666
Number of IncidentsAverage Annual Premium
0$1,416
1$1,604
2$1,883
3$2,126
4$2,337
5$2,493
6$2,711
7$2,985
8$3,061
9$3,158
10$3,174
11$3,208
12$3,666
Compare multiple car insurance rates for free today!

Auto Insurance Premiums by Coverage Type

Your coverage limits, types, and deductibles will directly impact your premiums. You’ll have to decide whether you prefer more coverage and lower deductibles, or a lower cost.

Average Car Insurance Premiums by State Full vs Non Full Coverage

StateAverage Annual Premium (Non Full Coverage)Average Annual Premium (Full Coverage)
Alabama$571$1,460
Alaska$215$1,923
Arizona$663$1,506
Arkansas$483$1,416
California$612$1,615
Colorado$771$1,760
Connecticut$1,032$1,708
Delaware$1,033$1,767
District of Columbia$871$1,333
Florida$840$1,977
Georgia$917$1,909
Hawaii$55$1,229
Idaho$482$1,076
Illinois$510$1,233
Indiana$533$1,145
Iowa$385$1,044
Kansas$549$1,431
Kentucky$687$1,368
Louisiana$933$2,162
Maine$515$997
Maryland$889$1,790
Massachusetts$1,134$1,405
Michigan$873$1,475
Minnesota$692$1,283
Mississippi$507$1,393
Missouri$614$1,428
Montana$497$1,349
Nebraska$659$1,325
Nevada$816$1,697
New Hampshire$484$1,161
New Jersey$992$1,791
New Mexico$535$1,391
New York$1,251$1,997
North Carolina$754$1,277
North Dakota$377$1,051
Ohio$599$1,166
Oklahoma$570$1,595
Oregon$744$1,305
Pennsylvania$685$1,411
Rhode Island$970$1,731
South Carolina$815$1,716
South Dakota$350$1,053
Tennessee$507$1,285
Texas$687$1,852
Utah$688$1,326
Vermont$494$1,094
Virginia$789$1,360
Washington$5,195$1,412
West Virginia$677$1,401
Wisconsin$459$953
Wyoming$539$1,255

Average Car Insurance Premiums by Insurance Company Full vs Non Full Coverage

Carrier NameAverage Annual Premium (Non Full Coverage)Average Annual Premium (Full Coverage)
GEICO$566$2,236
Travelers$2,540$1,517
Progressive$305$1,195
Allstate$305$1,949
State Farm$174$1,450
Liberty Mutual$349$1,821
Farmers$199$1,909
USAA$132$1,850
Nationwide$193$1,672
American Family$177$1,498

Remember, full coverage insurance includes the three main types of car insurance: liability, collision, and comprehensive. The liability portion covers other drivers (and their property) in the event of an accident. The collision coverage protects you and your property in an accident. Comprehensive coverage protects your vehicle against vandalism, damage from non-accidents, and theft.

The right amount of car insurance for you depends on the make and model of your car, how (and where) you drive, and your unique needs.

Compare Insurance Rates by Your Location

Your location can also impact your rates, as theft, vandalism, and accident frequency can vary by geographic region.

StateAverage Annual Premium
Alabama$1,155
Alaska$582
Arizona$1,214
Arkansas$996
California$1,249
Colorado$1,482
Connecticut$1,342
Delaware$1,493
District of Columbia$1,225
Florida$1,554
Georgia$1,546
Hawaii$638
Idaho$881
Illinois$925
Indiana$835
Iowa$705
Kansas$1,013
Kentucky$934
Louisiana$1,518
Maine$695
Maryland$1,540
Massachusetts$1,015
Michigan$820
Minnesota$925
Mississippi$1,039
Missouri$1,061
Montana$918
Nebraska$976
Nevada$1,331
New Hampshire$921
New Jersey$1,428
New Mexico$1,070
New York$1,654
North Carolina$1,011
North Dakota$696
Ohio$880
Oklahoma$1,083
Oregon$1,080
Pennsylvania$1,111
Rhode Island$1,252
South Carolina$1,353
South Dakota$733
Tennessee$959
Texas$1,408
Utah$1,180
Vermont$771
Virginia$1,206
Washington$1,181
West Virginia$1,097
Wisconsin$686
Wyoming$937

Auto Insurance Costs by Vehicle Type

Luxury cars can be more expensive to repair and replace, and they tend to cost more to insure than a run-of-the-mill vehicle. Additionally, you may receive a discount for having a car with built-in safety features or anti-theft devices.

Car Insurance Comparison by Credit Score

In most states, having a poor credit history can lead to higher home and auto insurance rates.

While each of these factors can play a role in determining your premiums, insurance providers may place a different amount of importance on each factor. That’s one reason your rates can vary from one company to another, even when you’re purchasing the same amount of coverage.

3 Ways to Lower Your Car Insurance Rates

Whether you want to use Gabi to see if you’re overpaying or stick with your current insurance, here are three ways you might be able to lower your rate:

1. See how much you can save by bundling multiple types of insurance, such as home and auto, from the same provider.
2. Increasing your deductible or lowering your coverage limits or types can lead to savings. But it’s a trade-off that could cost you when you need to file a claim.
3. Ask your insurance provider if it offers any discount. You may qualify for some, such as an infrequent driver discount, but it won’t get applied to your policy if the company doesn’t know you qualify.

Your rates can also change over time, and making a habit of looking for quotes once or twice a year can also help you save.

If you’d prefer a hands-off approach, sign up and compare rates with Gabi. Even if we can’t find you a better deal today, we’ll continue to compare auto insurance rates and let you know when a cheaper policy is available.

Cheapest and Most Expensive Cars to Insure

Pricing set by insurance companies is determined by a wide variety of factors. Here are the most important ones:

Car model
The type of car you drive plays a big part in your insurance rates. On average, sports cars cost more to insure than four-door family sedans. Luxury cars can also come with a rate spike as repair costs are typically higher due to the exclusive materials and extended electrical features.
Claims
Even if you’ve never filed a claim, you could pay higher rates if your make and model is prone to them. For example, if you happen to drive a 2006 Ford pickup — the most stolen car nationwide, according to the National Insurance Crime Bureau — you’ll see a rate hike.
Equipment
If your vehicle is equipped with sophisticated add-ons like a prime GPS or audio system it would likely cost more to repair it. Also, if its engine is more powerful, the car insurance company may view you as a high-risk driver who won’t abide by speeding rules.
Safety features
Insurance providers consider cars rated highly for safety by the Insurance Institute for Highway Safety as lower risk. However, you can also see a discount if your car is loaded with safety features like lane assist, back-up cameras, and airbags.
Location
Car insurance companies will consider your neighborhood, too. If you live in a dangerous area with a high accident or robbery rate, you will have to pay more. Living in a big city with more drivers and risks also raises the policy premium.
Age
Older cars tend to be cheaper to insure compared to the most recent models. However, keep in mind that speciality cars, like classic muscle cars, don’t get a discount for age.
Credit score
Many car insurance companies consider your credit score when deciding on your car insurance policy premium. Drivers with lower credit scores typically receive higher rates than drivers with excellent, or prime, credit score.
Compare auto rates across 40+ top insurance companies today!

Car Insurance FAQs

Q:
Is car insurance cheaper for female or male drivers?
A:
Gender doesn’t factor that heavily into your insurance rates. One might assume that insurers would offer better rates to women since they are statistically less likely to cause accidents, but in general, men pay less for minimum liability insurance. However, your gender isn’t as significant a factor as your credit score or driving history.
Q:
Is auto insurance cheaper for married couples or single people?
A:
Insurance tends to be less expensive for married people but the difference in pricing is not substantially lower. It’s hard to justify why married people are thought to be safer drivers. One reason may be the fact that singles are usually younger and have fewer years of driving experience and, as a result, are more likely to be involved in an accident.

Same-sex married couples are also eligible to receive the discount, but it may vary by the company and state.
Q:
Is auto insurance cheaper for immigrants or US citizens?
A:
Car insurance for new immigrants may be much higher than for US citizens. Immigrants don’t have a driving history in the US and they may be asked by the potential insurance company to furnish proof of driving history from their original countries.
Q:
Is auto insurance cheaper for homeowners or non-homeowners?
A:
If you own a home (or have renters insurance), you can save by bundling your car insurance with a homeowner’s policy. To see if you can lower your premium, let Gabi help you - sign up and get a free quote today! We offer coverage from a wide range of insurers so we will check who has the best bundle option for you.
Q:
Which auto insurance companies offer the cheapest quotes?
A:
Your rates depend on a variety of factors from the type of car your drive to where you live to your credit score. You may find a great deal with an insurance provider that charges more on average depending on your unique factors. However, on a nationwide average, these providers offer the cheapest rates:

  • USAA
  • Geico
  • State Farm
  • Travelers
  • Progressive
  • American Family
  • Farmers
  • Nationwide
  • AllState
Q:
Why compare auto insurance quotes online?
A:
Comparing online allows you to see multiple quotes from nationwide insurance providers. Typically, you can see pricing and coverage levels side-by-side, compare offers, and signup in just a few clicks. You’ll save time and won’t have to worry you’re missing out on a deal.
Q:
How does Gabi get you the cheapest auto insurance premiums?
A:
Gabi is different because we compare quotes for you, and we’re a fully licensed insurance broker in all 50 states and D.C. Our business is getting you insured—not selling leads. On average, we save customers $961 a year.

If you have a question and want to talk to us over the phone, you can. Or, you can go through the entire car insurance comparison and purchase process using the online app, email, or text.
Methodology

Average car insurance premiums: Gabi uses internally compiled data of customers who’ve signed up through 2020 to determine averages and drive data points. Internal data represents Gabi customers nationwide and may not reflect all available customers in the national marketplace.

Where available, Gabi sources additional data from accredited sources like the Insurance Information Institute and the National Center for Highway Safety to inform data.

All content is reviewed by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.
Agnieszka Fratczak | Linkedin
Agnieszka is a copywriter at Gabi, writing content related to auto and home insurance and personal finance since joining the company in 2019. She also published her first novel in 2018. Agnieszka has an M.A. in English from the University of Lodz in Poland.
Robbie Boddy | Linkedin
Robbie is the Vice President, Head of Sales & Customer Experience at Gabi. As a licensed insurance agent, he has more than 15 years of experience in the insurance industry, joining Gabi after working with Liberty Mutual as the Assistant Vice President and Site Leader, Direct Sales and Innovation. Robbie is a member of the Chartered Property and Casualty Underwriters society and has a Master of Business Administration (MBA) from Grand Canyon University.