Compare Car Insurance Rates

If you want cheap car insurance, comparison is important. Here's why:

Insurance companies are looking at similar factors, but each insurer has its own “secret factor” when it comes to pricing. Because of this, two companies can charge very different rates for the same driver.

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Looking around is the only way to find the cheapest car insurance premium for you.

Age is an important factor in determining car insurance premiums. Teens and twenties have the highest annual car insurance premiums on average.

Driving history is important. A recent DUI, responsible accident, or other traffic violation almost always increases the rate.

Bad credit can affect your car insurance premiums more than you might think. A good driver with low credit can pay twice as much as a good driver with high credit. table of contents

Compare car insurance rates

Each insurer has its own method of evaluating individual factors and keeps its methods as confidential as possible. So I'm not sure which companies value location or a clean driving history more than others.But first, here are the average annual rates for minimum and comprehensive car insurance. To further narrow it down, we shared average rates for drivers with different driving and credit histories by each state and major auto insurance company. Liberty Mutual is not included in the rate analysis due to the lack of publicly available information despite being one of the largest insurers in the country.

Reasons to trust NerdWallet:

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in writing and data analysis. Our data analysts take rigorous steps to eliminate outliers and inaccuracies in our pricing data, so you can be confident in the prices we display. This includes tariffs from all locales for countries where coverage is provided and data is available. When comparing rates for different coverage amounts, age groups, and backgrounds, he changes only one variable at a time, so it's easy to see how each factor affects the price.

Compare car insurance premiums by age

Driving history isn't the only factor truckers consider when calculating their auto insurance rate. Age can have a big impact on how much you pay. For example, you probably know that teenage drivers have the highest average car insurance rates, but that's not all. Drivers over the age of 75 generally get higher car insurance rates than teens and most age groups in her 20s and beyond.

For even more insight, we've compiled average annual rates for nine of the nation's top 10 private auto insurers, based on National Association of Insurance Supervisors market share data. Compare minimum and full premiums for age 20

Drivers in their 20s tend to have higher auto insurance premiums than older drivers because the group as a whole has a higher accident rate.

Fees vary by company. For example, Geico's total coverage for his 20-year-old averages $2,304 a year, while Allstate's median is $3,706.

Below you can compare 20-year-old annual rates by company and by state. Rates are averaged nationwide separately for full and minimum coverage.

NerdWallet Auto Insurance Rate Methodology

The average car insurance rate for a 20-year-old driver varies greatly from state to state. In some states like Hawaii and North Carolina, the average annual fee for full coverage is less than her $1,530. In other states such as Louisiana and Nevada, the same driver's insurance premiums average over $5,000 per year.

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