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Do you know if you’re paying a fair amount for car insurance? Unless you’ve compared quotes from multiple providers, it’s hard to say for sure. Many people worry that getting car insurance quotes is costly and timely, but that simply isn’t the case. You can get free car insurance quotes from all of the major companies in your area here.
Change one factor and you may get a completely different car insurance quote. That’s because many factors affect car insurance rates, from your coverage choices to where you live.
Minimum coverage is the cheapest insurance option, but the cost varies by state. Across the board, the more coverages you have and the higher their limits, the more you’ll pay for car insurance.
Higher deductibles for collision and comprehensive coverage mean lower premiums, and vice versa.
Different vehicles have different safety ratings. Some cars do a better job of preventing crashes or protecting their passengers during crashes. Safer vehicles are less expensive to insure, as are less expensive vehicles in general.
Those who drive more are more likely to get into accidents, so they pay higher car insurance rates.
If you don’t use your car much, try usage-based or pay-per-mile insurance, which could save you money on premiums.
Each state has different minimum coverage requirements. There are also price variations within states, with lower rates in suburban and rural areas than in urban areas due to their lower population density.
Of course, someone’s driving history also affects their premiums. That’s why the average cost of auto insurance for teens is so high: Their lack of driving experience makes crashes more likely. A history of speeding tickets, DUIs, or at-fault accidents will also raise car insurance prices.
In every state except Massachusetts, Michigan, California, and Hawaii, car insurance companies can base car insurance costs on credit scores. Those with lower credit scores are more likely to file claims and thus should expect higher rates.
Drivers under 25 pay more for car insurance, as they have higher accident rates than older drivers. Car insurance premiums decrease after this — until around age 65, when a driver’s accident risk increases again.
These states ban the consideration of gender as a factor in car insurance pricing:
However, in every other state, men pay more for car insurance than women because of their higher DUI and traffic fatality rates.
Men are one-third more likely to die in traffic accidents than women.1
Homeowners pay less for insurance than renters, as they’re less likely to file claims. Also, they can bundle their home and auto insurance policies to save money on both.
In the same vein, married people get lower rates than unmarried people, whether they’re divorced, separated, widowed, or a lifelong single.
Compare car insurance quotes from multiple companies, inputting the same information on your end each time. Switching auto insurance may be your best chance at saving money.
Your absolute cheapest option, no matter where you live, is to buy the minimum coverage your state requires. However, while this will lower your premiums as much as possible, you’ll be more financially responsible in at-fault accidents. Also, no state requires collision or comprehensive coverage, so if you only get the minimum, any property damage another driver didn’t cause is your out-of-pocket responsibility.
Whether you have renters insurance, life insurance, boat insurance, or home insurance, bundling it with your auto insurance policy is a great way to get insurance discounts on both.
Bundling isn’t the only discount available. Here are a few we’ve seen from companies across the country:
Ask your insurance agent which discounts your insurer offers that apply to you. Agents can provide personalized service — in contrast to brokers, who only act as middlemen between the insured (you) and the insurance company.
If you keep your collision and comprehensive coverage, raising your deductible will lower your premiums.
You need car insurance to drive legally in 48 of the 50 states. The only states that don’t require car insurance are New Hampshire and Virginia, and even these states have financial responsibility laws of some sort.
If you’re caught driving without insurance in the states that require it, you could face fines, license and registration suspensions, vehicle impoundment, and, in the most extreme cases, jail. Always carry proof of insurance, which can be either physical or digital (usually through a mobile app) in most states.
Liability coverage includes bodily injury and property damage coverage, which applies to the other party in accidents you cause. Every state except Florida, New Jersey, New Hampshire, and Virginia requires bodily injury coverage, while every state except New Hampshire and Virginia requires property damage coverage.
Medical payments coverage or personal injury protection (PIP) covers your passengers’ and your injuries in accidents, regardless of who’s at fault. At-fault states use medical payments coverage, while no-fault states require PIP, which includes reimbursement for lost wages and child care in addition to medical expenses.
These are the states that require one of these coverages:
Uninsured/underinsured motorist coverage kicks in when someone who drives without insurance, or without enough insurance to cover all of your losses, causes an accident. These states require uninsured motorist coverage, underinsured motorist coverage, or both:
No state requires collision or comprehensive coverage, but we recommend both as part of full coverage car insurance. So, what’s the difference between the two?
You have two main options to compare quotes:
A deductible is what you pay toward a covered collision or comprehensive claim before your insurance provider contributes. If you don’t pay your deductible, your provider won’t cover you up to your limit. Learn more about how deductibles work.
If your state doesn’t ban the use of credit scores in pricing, car insurance companies can use your credit score to assign you a credit-based auto insurance score. The higher this score, the lower your rate. Here is how companies create these confidential ratings, which are based either entirely or partially on your credit information:
|Factor||Portion of credit-based auto insurance score|
|Your types of credit||5%|
|Your pursuit of new credit||10%|
|The length of your credit history||15%|
|Your outstanding debt||30%|
|Your payment history||40%3|
Learn more about how credit scores affect auto insurance.
A premium is what you pay regularly for car insurance, whether monthly, every six months, or every year.
Getting free quotes is easy with AutoInsurance.com, but if you’d like to learn more about car insurance in general, read our auto insurance guide or the FAQs below.
GEICO and USAA have the cheapest car insurance, with annual premiums as low as $354 and $432, respectively. However, the cheapest car insurance company isn’t the same for everybody; other companies may give you lower rates based on your information.
Yes, Allstate has free quotes, which you can request at https://www.allstate.com/auto-insurance.aspx. You’ll need to enter the following information:
Free car insurance quotes do not affect credit scores because they are a soft inquiry, not a hard inquiry. If you were applying for a car loan, that would be a hard inquiry and affect your credit score.
A good credit score for car insurance falls between 670 and 850 for FICO scores and between 601 and 850 for VantageScores.
Persons Killed, by Person Type – State : USA, Year : 2019. National Highway Traffic Safety Administration. (2022).
What are Auto Insurance Policy Exclusions? Simmons and Fletcher. (2022).
Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums. NAIC. (2020, Jul).