We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
- Licensed broker
- Fast, online quotes
- Compare 10+ policies at once
Our top pick: Gabi
Get free quotes from top insurers for the exact coverage you need in minutes.
- Licensed broker
- Quick quotes
- Bundling discounts
- Convenient account management
- Personal advisors
Compare car insurance
Some of the top companies we compare
How much does car insurance cost?
The average cost of car insurance is $1,065 per year, or $89 a month. Your car’s make and model and the year you bought it are the biggest factors in your insurance rates. Compare car insurance quotes by your car’s make and model to get the most accurate rates.
Use car insurance comparison sites to get rates and calculate how much you’ll pay based on your vehicle and driver factors. Get rate estimates from different insurers to compare the best plans for you.
No one wants to overpay for car insurance. And it’s hard to compare policies to get enough coverage at the right price. The best way to save is by shopping around. In a study done in New York, the average driver can save up to $625 by switching car insurance.
Join the millions of people who trust Finder to help them save them time and money.
Compare auto insurance quotes to find the best deal
If lowering your car insurance premium is your main priority, switching car insurance could be one of the best ways to save. Compare how much price differs between insurers with sample auto insurance rates for California drivers.
|Company||Average annual rate||Learn more|
|21st Century||$651||Read review|
|Liberty Mutual||$709||Read review|
|State Farm||$726||Read review|
|The Hartford||$727||Read review|
|Average||$598||Compare all reviews|
How to shop for auto insurance
Ever wonder why insurance quotes are different for every provider? You might not be comparing equivalent rates. Make sure you’re comparing apples to apples to get the best insurance quotes.
- Does the quote include discounts? To get your business, many providers quote lowest possible price. It might, say, include a hefty 25% car insurance discount for buying online. Other insurers might offer the same discount but not include it in your quote.
- How much information did you provide? Anonymous car insurance quotes aren’t as accurate as quotes that factor in your age, address and driving history. Generally, the more information you provide, the more accurate your quote.
- Is the coverage equivalent? Two comprehensive policies can include different coverage and perks, which can lead to significant price differences.
- Do you need a special type of insurance? Driving for business, rideshare drivers and adding on coverage can all affect your premiums.
Compare car insurance where you live
Car insurance rates across the US can vary a lot based on where you live. The national average is $1,300 per year, but drivers in Maine pay only about $864, while drivers in Michigan see premiums averaging $2,394. Shopping for car insurance starts with finding your state minimum required coverage and then adding extra coverage you’d like. Compare auto insurance rates by state and even by ZIP code.
Shop for car insurance with guides in your state
How does car insurance work?
Basically, car insurance covers damage to your car in an accident in exchange for regular payments to a car insurer. You can choose certain kinds of damage you’ll be protected for, such as getting in a collision with another driver or getting a tow if your car dies. Start your car insurance search by understanding the types of coverage you can choose.
Explore in-depth car insurance guides
How much car insurance do I need?
Start by researching your state minimum requirements and then add on coverage you need from there. Bodily injury and property damage liability insurance is required in most states and covers you if you’re at fault in an accident and need to pay for the damages.
When you’re shopping for car insurance, you’ll see these numbers written like 50/100/25, which means $50,000 individual bodily injury liability, $100,000 total bodily injury liability and $25,000 property damage liability.
Some states also require uninsured/underinsured motorist coverage, which protects you when another driver causes an accident and doesn’t have enough insurance to pay for all your costs.
Once you’ve met your state minimums, you can decide if you need additional coverage, like collision, comprehensive or roadside assistance.
What are the basic kinds of coverage?
Bodily injury liability
Covers costs from injuries you cause another person in an accident.
Property damage liability
Covers damage you cause to someone else’s property in an accident.
Personal injury insurance
Covers medical services after an accident, regardless of fault.
Covers costs caused by a driver if their insurance can’t pay enough.
What does comprehensive coverage protect me against?
Collision and liability coverage protect you in an accident, and comprehensive covers you for everything else. Adding comprehensive coverage can give you a lot more protection for a small additional increase to your premiums.
Hitting a pole
Hail & storms
Hit and run
When should I shop for car insurance?
You just got your insurance bill and your rates have gone up again, or you’re still waiting for that claim payout from an accident months ago. Sometimes car insurance companies drop the ball, so you’re thinking of finding someone with better support and prices.
Cancelling insurance is easier when you’ve just had what’s called a life change event. You might be able to shop around for a better rate if you’ve just celebrated one of these milestones.
- You’ve just had a birthday
- You’ve changed cars or drivers
- You got married or moved in with your partner
- You moved to a different address
- You graduated high school or college
- Your driving record has changed
- Your credit score has improved
- Your policy is about to be up for renewal
Coverage and exclusions
Ask an Expert