Compare 2025 Auto Insurance Quotes

The biggest reason to compare auto insurance quotes is to save money. Our research shows that Americans spend an average of $2,399 for full coverage and $635 for minimum coverage annually on auto insurance. If you shop around, you might be able to pay less.

When insurance companies determine your premiums, they account for factors like your age, ZIP code, driving history, vehicle, annual mileage, and even your marital status. Each company weighs factors differently, and they’re secretive about their processes. Quotes also vary based on market trends.

The bottom line is that what one company offers you might differ from another, which is why you need to shop around to find your best personal rates.

You can get an auto insurance quote whenever you want to, regardless of where you are in your policy cycle. If you switch providers, your old company will give you a prorated refund of any unused premiums. Note that if you cancel your policy within a month of its start date, there’s a chance you could incur fees.

A convenient time to shop is usually whenever your current policy is up for renewal. It’s also a good idea to shop for quotes if you experience a big life change, like moving to a new city, adding a teen driver to your policy, buying a new car, or getting married.

Here’s the information you should have handy to get an auto insurance quote:

• Personal information like name and driver’s license information for everyone who will be insured on the policy
• Vehicle information, including mileage, make, model, and year. You might also need your VIN number
• Driving history of everyone who will be insured on the policy, including recent accidents, tickets, or DUIs
• Desired coverage levels, including liability limits, uninsured motorist coverage, MedPay/PIP limits, and collision/comprehensive deductibles

At AutoInsurance.com, we comb through the market to help you find the best insurance, offering free quotes for policies that suit your needs. Enter your zip code to get started.

Because companies use different formulas to write auto insurance policies, the cheapest car insurance company for you depends on personal factors such as your age and ZIP code. USAA, GEICO, and Travelers are widely available companies that tend to offer cheap rates.

1. Choose Your Liability Coverages.

Liability coverage pays for the treatment of injuries and property damage that the other party sustains if you cause an accident. Each state has its own requirements, but you’ll want to purchase coverage beyond the minimum. After a serious accident, you may owe hundreds of thousands of dollars for injuries and damages if you’re found at fault, even partially.

Liability coverage is typically denoted as a series of three numbers, like 50/100/50. The numbers represent coverage for bodily injury per person, total bodily injuries, and total property damage. They are represented in $1,000 increments. So 50/100/50 is $50,000, $100,000, and $50,000 of liability coverage in each category, respectively.

Some states require uninsured/underinsured motorist coverage (UIM) and medical payments/personal injury protection, too. Even if your state doesn’t require these coverages, it’s a good idea to purchase them anyway.

2. Decide if You Want to Purchase Additional Coverages.

Full coverage includes liability, collision and comprehensive, uninsured/underinsured motorist (UIM), and medical payments coverages. If you can afford it, it’s wise to purchase all of these coverages.

Collision, comprehensive, UIM, and medical payments will pay for your damages, while liability pays for the other party’s. Collision and comprehensive coverage are an especially good idea if you haven’t paid off your car yet. If something happens to your car, you’re still responsible for making your monthly payments, and these coverages will help you pay off the vehicle after an incident.

Consider whether your circumstances warrant additional coverages, like new car replacement, rental reimbursement, or gap insurance.

3. Collect and Compare Quotes.

When shopping for auto insurance, get quotes from at least three companies. To find the best rates, compare regional providers with bigger ones (e.g., GEICO, Allstate, or State Farm). For an accurate comparison, quotes should be for the same coverages, limits, deductibles, drivers, and cars, and should include all eligible discounts.

When choosing between auto insurance companies, price is only one key factor to consider. According to the Insurance Information Institute, these five factors are the most important when picking an insurance provider.

1. Licensing: Not all companies operate in every state, and it’s important to pick one that is licensed in your state. If you’re unsure whether a company is licensed in your state, ask an agent or contact your state’s insurance department.
2. Price: Auto insurance is a significant monthly expense, so it makes sense to pick the most affordable option. Not sure if you’re getting a good deal? Look up whether your state insurance department has a guide on what insurers charge in various parts of your state.
3. Service: An insurance representative should be able to answer your questions thoroughly and promptly, and you should be able to easily change your policy or file a claim. Consider whether the company offers services like a mobile app or perks such as accident forgiveness. To learn more about a company’s customer service, check out J.D. Power’s recent study of the best auto insurance providers for customer satisfaction — https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-study. You can also find out if a company has a history of consumer complaints at https://content.naic.org/cis_consumer_information.htm.
4. Financial solidity: Look up the company’s ratings from an independent agency like A.M. Best¹ and Moody’s² to ensure it is financially sound. If you need to file a claim, you want to know the company is on firm financial footing.
5. Comfort: You should feel confident in your insurance purchase. If something about a provider makes you uneasy, investigate further and consider choosing a different company.³

Coverages, Limits, and Deductibles

Certain factors affect car insurance rates — primarily what coverages, limits, and deductibles you choose for your policy. The more you buy (whether on your own accord or because the state requires it), the more you’ll pay. Higher limits will save you money in the event of a serious accident, but they will cost you more in premiums, because the insurance company is obligated to pay more in the event of an accident to meet the higher limit.

Monthly costs also increase if you add these or other supplemental types of coverage:

• Collision coverage for your property damage from an accident
• Comprehensive coverage for non-collision claims like vandalism or theft
• Rental reimbursement or transportation expense coverage
• Gap coverage to pay off any remaining value on a financed car
• New car replacement coverage
• Towing and labor cost coverage
• Ride-sharing coverage (for ride-share drivers)
• Sound system coverage
• Classic car insurance

What You Drive

Insurance providers use data from customer claims and industry safety reports to rate a vehicle’s safety. Safer vehicles are less expensive to insure. Companies also consider how susceptible a vehicle is to damage, occupant injury, and theft, as well as how much it costs to repair.

In general, newer and flashier vehicles cost more to insure. You’ll pay more to insure a new sports car than an old minivan.

How Often or How Far You Drive

If you use your car for business or you commute long distances, you will pay more for auto insurance. You can lower your costs by driving less, taking public transportation, and shortening your commute. Low-mileage drivers may even have the option to pay per mile. If you choose this option, your insurance provider will track how many miles you drive and use your mileage to set your premium.

Where You Live and Park Your Car

Urban drivers tend to pay more for auto insurance because cities have higher rates of theft, accidents, and vandalism. For example, if you live in Michigan, you’ll pay more for insurance if you live in Ann Arbor or Detroit than you would living in a more rural area. Insurance companies consider parking on the street riskier than parking in a garage and may increase rates accordingly. Areas prone to extreme weather (e.g., floods, wildfires) like Texas or California also see higher insurance rates.

Driving Record

If you have a history of accidents, speeding tickets, reckless driving, or a DUI, you will pay more for auto insurance. On average, if you’re at fault for an accident that causes property damage, your premiums will increase by about $900 per year for three years — which will cost you around $2,000 overall.

If you rely on your car every day, it’s also wise to purchase rental reimbursement coverage.

An auto insurance quote is different from a policy rate. A quote is an estimate of an auto insurance policy’s cost, based on the information you provided the insurance company and your chosen coverages, limits, and deductibles. A policy rate is the amount you’ll actually pay for insurance. If you provide incomplete information, even by mistake, or if you change your requested coverage, your policy rate may change.

There are several reasons quotes differ from policy rates:

• You provide a make, model, and year for the vehicle but do not provide a vehicle identification number (VIN), maybe because you haven’t purchased the car yet.
• You don’t provide details about accidents, even minor ones.
• You forget details about driving history, for you or other drivers on the policy.
• The quote didn’t include taxes and fees; some companies charge a policy issue fee.⁸

To find the best auto insurance for you, compare quotes from at least three companies. The best quote is affordable, but still provides high-quality coverage.