Skip to content
★ Ashorasiguais.com ★

Compare car insurance rates – Guideline 2021

Compare car insurance rates - Guideline 2021

If you want to save money on vehicle insurance, comparison searching is essential. This is why: When it comes to determining prices, insurers consider comparable elements, but they have their own “secret sauce.” As a result, for the same driver, two businesses can charge vastly different rates.

Prices for auto insurance tend to rise over time, but they can also fall. You might discover that your current insurer gives the best cost for you if you shop around, or you might discover that it’s time to switch if you shop around.

An auto insurance rate is determined by several criteria, including ZIP code, marital status, annual mileage, driving history, and vehicle make, year, and model. Your gender and credit history may also be utilized to determine rates in most states.

That’s why we analyzes car insurance prices for men and women with varying driving and credit histories in every state and for every major vehicle insurance carrier every year, so you can easily compare rates and choose the best deal.

Compare car insurance rates

Each insurance business considers personal aspects in its own way, and their techniques are kept as secret as possible. As a result, we can’t tell you which employer places a higher value on your profession or places a greater emphasis on a clean driving record than others.

However, to assist you in getting started, we can show you average annual rates for minimum and full coverage auto insurance by state and firm, as well as quotes from many of the state’s largest insurers.

Due to a lack of publicly available information, Liberty Mutual is not included in our rates analysis, despite being one of the country’s major insurers.

Compare car insurance rates by age

When it comes to determining your vehicle insurance quote, your driving history isn’t the only consideration. Your age might have a significant impact on the amount you pay.

For example, you’re probably aware that teen drivers have some of the highest average auto insurance premiums, but they’re not the only ones. After teens and twentysomethings, drivers 75 and older had the highest vehicle insurance prices of any age group.

Based on market share data from the National Association of Insurance Commissioners (NAIC), we gathered average yearly rates from nine of the country’s ten major private passenger auto insurers.

Compare minimum and full coverage rates for 25-year-olds

Car insurance prices are often higher for drivers under the age of 25 because they are involved in more accidents on average than older drivers.

Rates differ from one firm to the next. For example, complete coverage from Geico costs $1,420 a year on average for a 25-year-old, while full coverage from Allstate costs $2,588.

Annual rates for 25-year-olds are compared below by employer and state. Rates for full and minimum coverage are averaged across the country individually.

CompanyFull coverageMinimum coverage
Allstate$2,588$786
American Family$1,585$725
Farmers$1,859$629
Geico$1,420$429
Nationwide$1,502$673
Progressive$1,837$652
State Farm$1,663$585
Travelers$1,440$502
USAA*$1,423$496
*USAA is only available to military, veterans and their families.

The average car insurance prices for a 25-year-old driver differ greatly by state. For complete coverage, certain states, such as Hawaii and Maine, offer average prices under $1,250 per year. In other jurisdictions, such as Louisiana and Nevada, insurance for the same driver costs more than $2,900 per year on average.

See how your state ranks on the table below.

StateFull coverageMinimum coverage
Alabama$1,891$651
Alaska$1,886$489
Arizona$1,736$687
Arkansas$2,414$667
California$2,434$775
Colorado$2,231$612
Connecticut$2,474$1,102
Delaware$2,135$1,077
Florida$2,889$819
Georgia$2,270$1,004
Hawaii$1,145$363
Idaho$1,294$434
Illinois$1,843$599
Indiana$1,508$506
Iowa$1,410$317
Kansas$1,957$561
Kentucky$2,922$1,044
Louisiana$3,387$1,167
Maine$1,227$471
Maryland$2,338$1,078
Massachusetts$1,311$480
Michigan$2,610$1,151
Minnesota$1,680$667
Mississippi$2,038$682
Missouri$1,888$594
Montana$2,161$481
Nebraska$1,616$422
Nevada$2,939$1,203
New Hampshire$1,413$513
New Jersey$2,294$1,004
New Mexico$1,765$507
New York$2,710$1,289
North Carolina$1,286$436
North Dakota$1,499$428
Ohio$1,306$469
Oklahoma$2,106$576
Oregon$1,613$777
Pennsylvania$1,660$518
Rhode Island$2,431$997
South Carolina$2,120$786
South Dakota$1,658$347
Tennessee$1,624$500
Texas$2,092$733
Utah$1,770$757
Vermont$1,452$417
Virginia$1,757$643
Washington$1,462$540
Washington, D.C.$2,127$876
West Virginia$1,882$602
Wisconsin$1,381$420
Wyoming$1,556$372

Compare minimum and full coverage rates for 40-year-olds

Around the age of 40, drivers find themselves in a golden spot when it comes to car insurance. Because this age group has fewer accidents than others, they usually have cheaper insurance rates. Aside from USAA, which is only available to military, veterans, and their families, Geico offers the most affordable complete coverage for 40-year-olds, with an average price of $1,210.

The most expensive is Allstate, which charges $2,368, on average.

In the table below, you can compare national average yearly vehicle insurance premiums for 40-year-olds by company and state. It’s worth noting that not all of these businesses are available in every state.

CompanyFull coverageMinimum coverage
Allstate$2,368$765
American Family$1,418$636
Farmers$1,717$584
Geico$1,210$364
Nationwide$1,309$567
Progressive$1,619$592
State Farm$1,426$509
Travelers$1,277$474
USAA*$1,118$397
*USAA is only available to military, veterans and their families.

While average vehicle insurance costs vary by state, 40-year-olds in certain states, including Maine, Ohio, and Idaho, may get full coverage for less than $1,050 per year on average. In other states, similar drivers could pay less than $2,500 per year for complete coverage. Only Nevada and Louisiana have rates for 40-year-old drivers with full coverage vehicle insurance that exceed $2,500 per year.

See how your state ranks on the table below.

StateFull coverageMinimum coverage
Alabama$1,618$537
Alaska$1,536$403
Arizona$1,507$581
Arkansas$1,984$544
California$1,942$631
Colorado$1,936$520
Connecticut$2,073$936
Delaware$1,848$930
Florida$2,463$740
Georgia$1,941$835
Hawaii$1,145$363
Idaho$1,039$343
Illinois$1,515$496
Indiana$1,229$402
Iowa$1,177$263
Kansas$1,650$473
Kentucky$2,443$857
Louisiana$2,915$946
Maine$1,006$392
Maryland$1,993$933
Massachusetts$1,150$431
Michigan$2,337$1,081
Minnesota$1,403$569
Mississippi$1,707$535
Missouri$1,595$513
Montana$1,895$415
Nebraska$1,381$359
Nevada$2,527$1,013
New Hampshire$1,216$439
New Jersey$1,983$919
New Mexico$1,474$416
New York$2,384$1,169
North Carolina$1,192$403
North Dakota$1,295$386
Ohio$1,026$372
Oklahoma$1,821$473
Oregon$1,370$683
Pennsylvania$1,447$463
Rhode Island$2,054$852
South Carolina$1,760$646
South Dakota$1,423$301
Tennessee$1,310$395
Texas$1,783$602
Utah$1,523$652
Vermont$1,203$352
Virginia$1,286$492
Washington$1,227$448
Washington, D.C.$1,867$790
West Virginia$1,582$507
Wisconsin$1,157$355
Wyoming$1,369$335

Compare car insurance rates for drivers with a DUI

Your motor insurance rate will increase after a DUI, perhaps by as much as 75 percent or more. Your insurance company, on the other hand, is something you can influence the most. Because a DUI can have a long-term impact on vehicle insurance premiums, it’s wise to search around for the best deal after receiving one.

Compare the business averages for 40-year-olds before and after a DUI in the table below. It’s worth noting that not all of these businesses are available in every state.

CompanyDrivers with a clean recordDrivers with a DUI
Allstate$2,368$3,606
American Family$1,418$1,751
Farmers$1,717$2,388
Geico$1,210$3,015
Nationwide$1,309$2,613
Progressive$1,619$2,001
State Farm$1,426$2,385
Travelers$1,277$2,100
USAA*$1,118$1,940
*USAA is only available to military, veterans and their families.

While your insurance rate will rise after a DUI, the amount varies in part on where you live. In Florida, the average rate for drivers who have had a recent DUI is 40% higher than for identical drivers who have not had any issues – $981 more each year. In our analysis, a DUI in Hawaii nearly tripled typical rates, adding over $3,000 to the annual cost of full coverage car insurance for 40-year-old drivers.

See how your state stacks up in the table below.

StateDrivers with a clean recordDrivers with a DUI
Alabama$1,618$2,983
Alaska$1,536$2,253
Arizona$1,507$3,050
Arkansas$1,984$3,250
California$1,942$5,167
Colorado$1,936$3,545
Connecticut$2,073$4,426
Delaware$1,848$3,918
Florida$2,463$3,444
Georgia$1,941$3,959
Hawaii$1,145$4,300
Idaho$1,039$1,678
Illinois$1,515$2,763
Indiana$1,229$2,453
Iowa$1,177$2,234
Kansas$1,650$2,973
Kentucky$2,443$5,246
Louisiana$2,915$5,813
Maine$1,006$1,605
Maryland$1,993$3,637
Massachusetts$1,150$2,034
Michigan$2,337$6,760
Minnesota$1,403$2,949
Mississippi$1,707$2,692
Missouri$1,595$2,703
Montana$1,895$3,120
Nebraska$1,381$2,353
Nevada$2,527$4,700
New Hampshire$1,216$2,461
New Jersey$1,983$3,896
New Mexico$1,474$3,167
New York$2,384$4,353
North Carolina$1,192$2,493
North Dakota$1,295$2,161
Ohio$1,026$2,330
Oklahoma$1,821$2,832
Oregon$1,370$2,382
Pennsylvania$1,447$3,179
Rhode Island$2,054$4,670
South Carolina$1,760$2,862
South Dakota$1,423$2,340
Tennessee$1,310$2,970
Texas$1,783$3,104
Utah$1,523$2,866
Vermont$1,203$2,524
Virginia$1,286$2,697
Washington$1,227$2,418
Washington, D.C.$1,867$2,839
West Virginia$1,582$3,070
Wisconsin$1,157$2,227
Wyoming$1,369$2,582

Compare car insurance rates for drivers with poor credit

In all states except California, Hawaii, Massachusetts, and Michigan, your credit history is one of the most important factors impacting your car insurance rate. Carriers look at your credit history to see if you’re likely to file a claim.

While prices might often double, it’s crucial to remember that every business evaluates credit differently, and this element varies by state even within insurers.

When compared to similar drivers with high credit, drivers with low credit could pay an average of 38 percent more — $497 more each year.

Meanwhile, when comparing drivers with bad credit to those with good credit, State Farm’s average price for full coverage more than doubles.

CompanyDrivers with good creditDrivers with poor credit
Allstate$2,368$3,437
American Family$1,418$2,286
Farmers$1,717$2,780
Geico$1,210$1,715
Nationwide$1,309$1,806
Progressive$1,619$2,854
State Farm$1,426$3,195
Travelers$1,277$2,154
USAA*$1,118$2,110
*USAA is only available to military, veterans and their families.

Certain states ban the use of credit in rate setting, and insurers’ treatment of credit varies by state. State legislators in one state, for example, may give more leeway for credit-based pricing than in others, resulting in differences between states.

According to our findings:

  • In Alaska and North Carolina, a driver with bad credit could pay up to 38% more than a driver with good credit.
  • In Nevada, Idaho, Oklahoma, Oregon, and Washington, having bad credit raises the average insurance rate by roughly 60% when compared to drivers with good credit.
  • In Wisconsin, the average rate for bad credit drivers was nearly 2.6 times that of good credit drivers.

Below you can compare average full coverage rates for 40-year-old drivers with poor credit by state.

StateDrivers with good creditDrivers with poor credit
Alabama$1,618$3,191
Alaska$1,536$2,116
Arizona$1,507$2,859
Arkansas$1,984$3,672
California*$1,942$1,942
Colorado$1,936$3,240
Connecticut$2,073$3,975
Delaware$1,848$3,210
Florida$2,463$4,347
Georgia$1,941$3,168
Hawaii*$1,145$1,145
Idaho$1,039$1,658
Illinois$1,515$2,953
Indiana$1,229$2,831
Iowa$1,177$2,344
Kansas$1,650$3,028
Kentucky$2,443$4,502
Louisiana$2,915$5,260
Maine$1,006$1,675
Maryland$1,150$2,058
Massachusetts*$1,150$1,150
Michigan*$2,337$2,337
Minnesota$1,403$2,758
Mississippi$1,707$2,834
Missouri$1,595$2,774
Montana$1,895$3,185
Nebraska$1,381$2,779
Nevada$2,527$4,021
New Hampshire$1,216$2,787
New Jersey$1,983$3,811
New Mexico$1,474$2,690
New York$2,384$4,685
North Carolina$1,192$1,646
North Dakota$1,295$2,358
Ohio$1,026$2,052
Oklahoma$1,821$2,914
Oregon$1,370$2,207
Pennsylvania$1,447$2,568
Rhode Island$2,054$3,545
South Carolina$1,760$3,265
South Dakota$1,423$2,598
Tennessee$1,310$2,379
Texas$1,783$3,057
Utah$1,523$2,746
Vermont$1,203$2,121
Virginia$1,286$2,395
Washington$1,227$1,980
Washington, D.C.$1,867$3,112
West Virginia$1,582$2,667
Wisconsin$1,157$3,063
Wyoming$1,369$2,229
*Credit-based pricing is banned in California, Hawaii, Massachusetts and Michigan.

Compare minimum and full coverage rates for drivers with an accident

Your accident history will effect your auto insurance rate in a variety of ways depending on the company. Before you start comparing car insurance quotes, see how each insurer’s average rates for drivers who have been in an accident compare.

If you’ve been in an on-the-record accident, compare auto insurance rates one, three, and five years after the incident to ensure you’re getting the best and cheapest premium.

After an at-fault collision, the cheapest car insurance company for a driver with a clean driving record may not be the cheapest provider.

For example, while Geico normally offers the best prices for drivers with a clean driving record, our data shows that American Family offers the best average rates for drivers who have been in a recent at-fault collision, with rates only 10% more on average than our basic profile.

The table below compares average full coverage rates for 40-year-old drivers who have been involved in a recent at-fault accident by company.

CompanyDrivers with a clean recordDrivers with a recent at-fault accident
Allstate$1,922$2,762
American Family$1,348$1,488
Farmers$1,500$2,160
Geico$951$1,551
Nationwide$1,103$1,749
Progressive$1,523$2,413
State Farm$1,581$2,065
Travelers$1,162$1,575
USAA*$1,081$1,595
*USAA is only available to military, veterans and their families.

After a crash, state legislators placed limits on how much a corporation can raise your rates. Our fictitious car collision caused $10,000 in damage.

In some states, average annual rates increased by $1,000 or more, while in others, they increased by far less. In Hawaii, for example, full coverage premiums for drivers with a recent at-fault accident cost $415 more per year on average than plans for drivers without accidents.

Meanwhile, after causing an accident in California, rates were nearly $1,475 higher than for accident-free drivers.

One thing is certain: after an at-fault accident, your premiums will almost certainly rise, so compare auto insurance rates if you have one on your record. Average full coverage rates for 40-year-old drivers with a recent at-fault accident are broken down by state below.

StateDrivers with a clean recordDrivers with a recent at-fault accident
Alabama$1,618$2,472
Alaska$1,536$2,038
Arizona$1,507$2,304
Arkansas$1,984$2,874
California$1,942$3,418
Colorado$1,936$2,740
Connecticut$2,073$3,061
Delaware$1,848$2,552
Florida$2,463$3,519
Georgia$1,941$3,097
Hawaii$1,145$1,559
Idaho$1,039$1,459
Illinois$1,515$2,288
Indiana$1,229$1,794
Iowa$1,177$1,683
Kansas$1,650$2,367
Kentucky$2,443$3,548
Louisiana$2,915$4,248
Maine$1,006$1,522
Maryland$1,993$2,904
Massachusetts$1,150$1,945
Michigan$2,337$3,633
Minnesota$1,403$2,040
Mississippi$1,707$2,660
Missouri$1,595$2,240
Montana$1,895$2,686
Nebraska$1,381$2,164
Nevada$2,527$3,739
New Hampshire$1,216$1,802
New Jersey$1,983$3,151
New Mexico$1,474$2,048
New York$2,384$3,467
North Carolina$1,192$2,150
North Dakota$1,295$2,055
Ohio$1,026$1,523
Oklahoma$1,821$2,671
Oregon$1,370$2,008
Pennsylvania$1,447$2,334
Rhode Island$2,054$2,895
South Carolina$1,760$2,475
South Dakota$1,423$1,872
Tennessee$1,310$1,975
Texas$1,783$3,112
Utah$1,523$2,306
Vermont$1,203$1,893
Virginia$1,286$1,933
Washington$1,227$1,765
Washington, D.C.$1,867$2,555
West Virginia$1,582$2,300
Wisconsin$1,157$1,646
Wyoming$1,369$1,884

How to compare car insurance quotes

First and foremost, every car insurance quotation you receive should be free, regardless of whether it comes from Geico, Farmers, or a small insurer you’ve never heard of.

Some auto insurers need a deposit to begin your policy, but a simple price estimate should always be free of charge, whether you buy car insurance online or through an agent. Here’s how to get started with price comparisons.

1. Gather your information

Have the following items on hand to compare car insurance online fast and easily:

  • Personal information, such as the name, address, date of birth, occupation, driver’s license number, and marital status of anyone you want to be covered under the policy.
  • Each car’s mileage, purchase date, and vehicle identifying number (VIN) are listed. Have the mileage, make, model, and year accessible if you haven’t purchased the automobile yet.
  • Include all claims, violations, and tickets you’ve received in the last five years, as well as any driving classes you’ve taken.
  • Anyone on the policy or in your home should know the name of their current or past insurer. Some insurers won’t cover you unless you have a history of coverage, and you’ll need to show that everyone living with you is insured elsewhere if you wish to exclude them from the policy.

2. Choose the right liability car insurance coverage levels

Auto insurance is a form of financial security, and it isn’t simply for the money you spent on your automobile. Damage and injury bills after a catastrophic accident can easily go into the hundreds of thousands of dollars.

If you are responsible for such an accident, the victims may file a lawsuit against you. Assets such as your cash and home could be seized in the worst-case situation.

Liability auto insurance shields you from the worst-case situation by putting a buffer between your assets and the amount you owe.

As a result, selecting the appropriate auto liability limits is the most crucial aspect of comparing car insurance quotes.

Liability coverage amounts, on the other hand, are usually in threes, ranging from 50/100/50 to 250/500/250 in most plans. Individual injuries, overall injuries, and property damage are examples of these limits. Insurers call them bodily injury liability, total bodily injury liability, and physical damage liability, respectively.

Liability insurance is sold in $1,000 increments, thus if you purchase a vehicle insurance coverage with limits of 100/300/100, you’ll be selecting:

  • $100,000 for each person you injure in a car accident.
  • For all bodily injuries you cause in a crash, you are liable for $300,000.
  • $100,000 for any property damage you cause in a collision, including cars, buildings, and mailboxes and lampposts.

Make sure the highest, middle number on your liability auto insurance policy is equal to or greater than the value of your net worth.

Understand car insurance requirements in your state

In some areas, having an automobile insurance policy with personal injury protection (PIP), medical payments coverage (medpay), or uninsured/underinsured motorist coverage — or two of the three — may be needed. You don’t require PIP if you have medpay, and vice versa.

Your state’s minimum auto insurance needs should be pre-loaded into any car insurance comparison tool you use. PIP or medpay-required states are known as “no-fault” states because when injuries occur, each motorist in a collision files a claim with their own insurance carrier to cover the costs. The at-fault driver’s liability insurance kicks in after the PIP or medpay limit has been reached.

3. Decide if you need full coverage car insurance

If you cause a wreck, liability coverage doesn’t pay for your automobile or injuries, or any injuries your passengers suffer. This is why, especially if your automobile isn’t paid off yet, you might want “full coverage” car insurance. This isn’t a specific form of coverage, but it usually refers to insurance that include liability, comprehensive, and collision coverage.

In other words, when comparing insurance rates online, you can’t merely click a “full coverage” button or buy a “full coverage” auto insurance policy. You’ll need to increase your collision and comprehensive coverage to the desired levels.

Collision insurance pays for:Comprehensive insurance pays for:
Damage to your car in an accident you cause.Damage to your car if you hit an object such as a fence or pole.Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.The value of your car if it’s stolen and not recovered, and damage from:Weather such as tornadoes or hail.Floods.Fire.Falling objects.Explosions.Crashes with an animal, such as striking a deer.Riots and civil disturbances.

Tip for comparing auto insurance quotes: Whatever coverage you choose, make sure you compare rates for the same type and level of coverage to get the best deal.

4. Collect and compare car insurance quotes

To make sure you’re getting the best bargain, seek vehicle insurance quotes from at least two or three firms in your area.

Consider comparing estimates from both regional and national insurers, such as Allstate, Progressive, and State Farm. When searching for insurance, make sure that each quote covers the following:

  • Liability and uninsured/underinsured motorist coverage are the same.
  • If you’re getting collision and comprehensive coverage, you’ll have the same deductibles.
  • The same drivers and automobiles.
  • You are qualified for all discounts (most insurers list the discounts they offer on their websites).

Compare car insurance frequently asked questions

Why do you need to compare auto insurance quotes?

Comparing vehicle insurance quotes is the most effective way to be sure you’re receiving the best deal. Because auto insurance providers assess identical elements differently, you’ll get different estimates from each.

Once a year, we recommend that you shop about and compare auto insurance quotes – this is your best bet for getting the best deal. If you’ve just been in an at-fault accident, received a speeding ticket, or are about to relocate out of state, shop around once more.

Can you get car insurance online?

Yes, purchasing vehicle insurance online can be simpler and more convenient than purchasing from a live agent. Most major insurance providers provide online quotations and allow you to change the terms of your policy to compare pricing.

Before purchasing a policy, remember to shop about and compare rates from at least three insurers using a car insurance comparison tool.

Does an auto insurance rate change depending on your gender?

It is debatable. California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania, and Michigan are among the states that have outlawed the practice of basing auto insurance prices on a person’s gender.

However, in some areas, women may pay more for auto insurance on average than men with similar driving records. The tendency is flipped for young adults, with young men paying more than young women.

Switching providers, on the other hand, can wipe out that price difference, so your best chance is to browse around for the best insurance quote.

How much should you be paying for car insurance?

According to 2021 prices estimate, the average cost of vehicle insurance is $1,592 per year, or roughly $133 per month. Your auto insurance rate, on the other hand, will vary depending on criteria such as your region, gender, and age.

Is auto insurance cheaper for homeowners?

Yes, a lot of the time. Most insurers give discounts to consumers who bundle their house and auto insurance, while others give a separate discount merely for being a homeowner. You might find that bundling plans makes it easier to keep track of your coverage and claims.

Drivers with a good driving record are usually the greatest candidates for combining policies. You might be better off shopping for auto and homeowners insurance from other companies if you have many traffic infractions, bad credit, or other unfavorable marks on your driving record.

How do you get cheap rideshare insurance?

Many car insurance companies offer rideshare insurance as an add-on to your existing policy for a monthly fee of roughly $15. If your current insurance does not provide this coverage, your best bet is to switch to one that does.

If rideshare insurance is not available in your state, you may need to obtain a business insurance policy to guarantee that you have the necessary coverage.

Do you need to compare auto insurance rates if you move out of state?

While it may come as a surprise, one of the most important elements influencing your vehicle insurance quote is something you wouldn’t change merely to save money on car insurance — your location.

However, it has a significant influence and should be included as part of your financial planning if you relocate. As a result, if you relocate, even within the same state, it’s a good idea to compare auto insurance quotes.

Compare car insurance companies

Compare car insurance carriers using evaluations to get the best one for you. For all of the country’s leading vehicle insurance providers, as well as many smaller, regional insurers.

We has examined policy alternatives, consumer complaint statistics, customer satisfaction ratings, financial soundness, and more.

Deixe um comentário

O seu endereço de e-mail não será publicado. Campos obrigatórios são marcados com *

treze + um =