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Compare Online Car Insurance Quotes – Top Insurance Companies All In One Place

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If you are comparing online car insurance quotes you have come to the right place.

All you have to do is enter your five digit zip code at the top of the page to get low quotes from top insurers in your area.

Gross written premiums of auto insurance companies from 2015 to 2019 projected to 2022.Note: Illustrated above is the amount of written premiums by auto insurance companies in the U.S. From 2015 to 2019 the market increased by 20% and the projections (illustrated in blue) are expected to continue. The cost of an auto policy is likely to keep current trends and climb in price in the future.

What is Car Insurance?

Car insurance is going to protect you from financial liability when you are in an automobile accident.

There are two major factors.

It can help you save from costs involved when you or another person is injured in an accident.

This is called “bodily injury”.

The other major factor is coverage for property damage to you and your property and other people involved in the accident.   

It is important to note that car insurance is mandatory in most states and illegal to operate a vehicle without it.

What are Car Insurance Quotes?

Car insurance quotes are an estimated price of your final policy from an insurer.

It is based on the personal information you provide. The more you provide the better the estimate.

Your final premium is going to change based on all the necessary information the insurer needs from you, including driver history, type of vehicle, credit, and other factors. 

If you want to lower your auto insurance then it is time to start shopping for quotes online.

Next I’ll go through step-by-step how to compare car insurance quotes and how the price likely will be determined. 

Location

Where you live is going to be one of the biggest factors when determining the cost of your automobile policy.

Living in dense urban areas is going to have a higher likelihood of an auto accident than in rural areas.

Car insurance quotes compared by most and least expensive states by price.Note: As illustrated, the most expensive states compared to the least expensive vary by nearly 100% in most cases and more for the most expensive state which is Michigan. Rates will vary when you compare auto insurance quotes from state to state.

You may be saying, “I am good driver” which is probably true.

And of course it helps to lower your cost.

However, there are other drivers on the road which can contribute to an accident.

The table below outlines the average premium by state.

StateAnnual PremiumStateAnnual Premium
Alabama$1,877Montana$2,206
Alaska$1,598
Nebraska$1,732
Arizona$2,643Nevada$2,648
Arkansas$2,052New Hampshire$1,922
California$1,953New Jersey$2,318
Colorado$2,498New Mexico$2,100
Connecticut$2,512New York$2,532
Delaware$2,059North Carolina$2,498
Florida$2,712North Dakota$1,655
Georgia$2,500Ohio$1,640
Hawaii$1,455Oklahoma$2,262
Idaho$1,876Oregon$2,200
Illinois$2,185Pennsylvania$2,100
Indiana$1,488Rhode Island$2,821
Iowa$1,472South Carolina$2,015
Kansas$2,022South Dakota$2,282
Kentucky$2,665Tennessee$1,861
Louisiana$2,721Texas$2,423
Maine$1,268Utah$2,411
Maryland$1,983Vermont$1,700
Massachusetts
$1,860Virginia$1,409
Michigan$3,982Washington$1,622
Minnesota$2,134West Virginia$2,095
Mississippi$1,994Wisconsin$1,550
Missouri$2,417Wyoming$1,832

Further, insurers are regulated at the state level and is another factor to cause increase or decrease in rates.

Age

Age is another major factor when insurers determine your final rate.

Most everyone knows the older you are the lower your vehicle insurance quotes.

For companies, your age indicate driving experience and risk.

Vehicle insurance price from 18 to 45 years of age illustrated. Note: Illustrated above is the cost of a premium for drivers from 18 to 45 years of age. Young drivers from 18 to 21 have high premiums and begin to lower substantially around the age of 30. Age is a determining factor used to determine car insurance quotes from insurers.

Therefore there’s a higher likelihood for young drivers to have an accident.

Statistically, older drivers have a lower chance of an accident and file a claim.

At 30 years of age and older your premiums begin to decrease in price until around the age of 65. 

How Coverage Works

Many drivers are afraid to file a claim when in a fender bender fearing their auto insurance premiums will increase.

Though there is a chance you may have an increase in premiums if you do file a claim. However, it is not always true.

How Car Insurance Works.

At the end of the day, if you do find yourself in an auto accident, even minor, you should exchange information with the other driver and let your insurer know.

Why is this important?

You could have substantial damage you can’t see.

If so, you will have peace of mind knowing your vehicle is covered and fully operational while on the road.

Gender

Price of premium by gender from 21 to 55 years of age.Note: Illustrated above are the difference in quotes for drivers by gender from 21 to 55 years of age. Young male drivers are going to pay 7% to 14% more than their female counterparts. Nearing the age of 45 and up the price difference is negligible.

Gender is another factor when auto insurance companies determine your rate.

Typically policies are going to more expensive for men especially for young drivers.

On the other hand, senior drivers have negligible difference between genders.

The difference is how insurers determine risk.

Men are engage in riskier behavior at a young age and usually drive more than women.

Fortunately there are states which prohibit the use of gender when determining your final premium.

The states include California, Hawaii, and Massachusetts to name a few. 

If you live in state with such laws, all things being equal, there shouldn’t be a difference in quotes by gender. 

AgeFemale MaleDifference
21$2,782$3,27214%
25$2,054$2,29811%
30$1,598$1,7217%
45$1,174$1,1981%

Vehicle Type

Most know the type of vehicle you drive determines the cost of coverage for your vehicle.

This is true, but not like most people think.

The safety rating is usually what determines how much insurers will charge for coverage. 

If you have a small sedan with a poor safety rating you could pay a little more than a medium size SUV.

Below is outlined the typical costs for a driver with a clean driving record and type of vehicle. 

Type of VehicleCost of Premium per Year
Small SUV$1,132
Medium SUV$1,167
Minivan$1,237
Hybrid$1,257
Large sedan$1,289
Electric $1,328
Medium sedan$1,375
Pickup$1,410
Small sedan$1,469

How Coverage Type Affects Your Policy

When you are shopping for auto insurance your premium is going to cost by the policy you select.

You are going to pay more for full coverage than minimum liability requirements.

Full coverage includes comprehensive, collision, and other add-ons.

How coverage type affects your auto insurance quotes.

The minimum requirements meets the minimum legal requirements to be able to drive in your state.

Realize if you finance your vehicle you are going to be required to carry full coverage.

Below are 12 states for a typical policy with the minimum liability requirements, full coverage, and the difference in price. 

StateMinimum LiabilityFull CoverageDifference
California$643$1,953$1,310
Connecticut$912$2,512$1,600
Illinois $831$2,185$1,354
Kansas $698$2,022$1,324
Maine $489$1,268$779
Maryland$652$1,983$1,331
Massachusetts $621$1,860$1,239
Minnesota$843$2,134$1,291
Missouri$893$2,417$1,524
Nebraska$598$1,732$1,134
New York$928$2,532$1,604
Texas$865$2,423$1,558

Different Insurers

One of the most important reasons to compare car insurance quotes is the different price from insurers.

At times prices can differ drastically.

Difference in price vary from insurers. Quotes from USAA, Erie, Liberty Mutual, Progressive, and Auto-Owners show the difference.Note: The cost of a policy can vary by 40% from one insurer to the next. A 30-year-old driver can get quotes at $1,644 from USAA and $2,265 from Auto-Owners. Or $621 difference in price and nearly 40% more.

As you see in the illustrations prices can vary by a few hundred dollars for a 30-year-old driver.

You probably asking why such a variance in price?

Each insurer has their own way of determining risk.

One insurer may put you in a riskier category and charge more.

If you are in the market for a new policy or replacing an old one, you should compare quotes and coverage from three or more insurers.

CompanyAnnual Premium
USAA$1,644
Nationwide$1,734
Liberty Mutual$1,789
Progressive$1,790
21st Century$1,943
Allstate$1,955
MetLife$1,983
Farmers$2,006
Mercury$2,187
Elephant$2,235
Auto-Owners$2,265
Safe Auto$2,376
Travelers$2,462

Information Needed

When you compare auto insurance quotes you are going to need personal information.

The more you give the more accurate your quote is going to be.

Below is a list of information typically asked for when getting an online quote.

  • Zip Code
  • Address
  • Date of Birth
  • Current Insurance
  • Marital Status
  • Social Security Number
  • Make & Model of Vehicle
  • Driver’s License Number
  • How many miles driven per year
  • Driving History – Accidents, etc.

You can compare car insurance quotes with only your age, vehicle type, and location, but your quote will not be accurate.

Credit Scores

Depending on your state, a poor credit score can impact you differently.

If you have poor credit you are going to pay more for a policy.

How premiums are affect by credit scores from poor to excellent.Note: Illustrated above is the cost of an auto policy for a driver with poor to excellent credit. All things being equal, the driver with poor credit is going to pay substantially more than a driver with excellent credit.

This is another reason to keep your credit in good standing with creditors.

They report it to the credit bureaus and car insurance companies like to check it when you compare auto insurance quotes.

There are three states which do not allow the use of credit scores when determining the price of policy.

They are California, Hawaii, and Massachusetts. 

StatePoor (300-579)DifferenceExcellent (800-850)
New Jersey$2,31831%$1,765
New York$2,53252%$1,657
North Carolina$2,49836%$1,832
North Dakota$1,65533%$1,243
Oregon$2,20053%$1,432
South Carolina$2,01535%$1,487
South Dakota$2,28252%$1,498
Vermont$1,70031%$1,294
Virginia$1,40943%$986
West Virginia$2,09574%$1,200
Wisconsin$1,55050%$1,032

Choosing a Policy

There isn’t one type of coverage that makes up an insurance policy.

There is:

  • Liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Uninsured motorist coverage
  • Personal injury protection
  • Gap coverage

After you have to set coverage limits and determine the deductible amount.

The amount and type of coverage you get is going to affect your car insurance quote.

You want to consider any unique circumstances you have which may influence the price of your policy.

And set yourself up ahead of time to determine the limits of standard coverage:

Coverage 
Bodily injury liabilityReimburses medical expenses, loss of income, and in some instance funeral expenses.
Property damage liabilityCovers repairs and replacement costs to vehicles and other property for which you are at fault.
Uninsured motorist protectionReimburses bodily injury and property damage when in an accident with a driver without proper coverage.
Personal injury protectionCovers your own medical expenses regardless who is at fault.

It is best to have a general idea of which coverage you need before shopping for a policy.

How Much Coverage Do You Need?

When choosing your policy limits and deductibles, think how much you can pay out of pocket in the event you cause an accident.

As well as the value of your vehicle and the likelihood it may get stolen.

Many drivers opt for minimum coverage because of the cheaper cost. It offers much less protection against any assets you may have.

Many drivers get the minimum coverage required by their state.

However, if you are liable for someone’s medical and property damage, but can’t pay the costs, most any of your assets can be seized to cover the amount you owe.

CoverageCalifornia Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$15,000 / $30,000$100,000 / $300,000
Property Damage$5,000$15,000
Personal Injury ProtectionOptional$25,000 / $50,000
Uninsured / Underinsured Motorist BILOptional$50,000 / $100,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Comparing Auto Insurance Quotes

Once you have gathered all your information and decided coverage limits you are ready to compare an auto insurance quote.

A really easy way to get a quote is by entering your zip code at the top of the page. 

An alternative approach is to get quotes directly from each insurer.

Or, if you like a personal touch, call an agent and get a quote.

Not All Insurers Are Create Equal

Each insurance companies has their own way of doing business.

As some weigh determining factors differently other companies give different prices when you raise your deductible.

Some are dedicated to low-priced polices while others are more interested in customer satisfaction.

You want to take the time to compare each insurers auto insurance quote.

Then you want to take time and to learn about the insurers claims and customer service process.

Frequently Asked Questions

What factors go into car insurance quotes?

There are primary factors such as your location, age, type of vehicle and your driving history.

Other factors such as credit scores and marital status make less of a difference in your premium.

An easy way to compare car insurance quotes is to use AutoInsureSavings.org to get quotes.

How do I get the best auto insurance quotes?

Don’t assume the company you get quotes from is the cheapest.

You should compare national and regional insurers to find the lowest quotes.

Be sure to ask about discounts and pay your bill on time.

Are online car insurance quotes accurate?

Unless you put detailed information you will get an estimate only.

To get an accurate quote you will need information about yourself, your vehicle and your household.

Online quotes are non-binding which means you are not guaranteed to get the final quote.