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Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA

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Why trust us? Our writers and editors thoroughly research the car insurance options we compare on this site. You’re guaranteed to only read unbiased, third party opinions. While we make money from our partner insurance providers to expand our content and our company, we maintain high editorial standards to ensure any information you see on finder.com is accurate and objective.

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.

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Car make

10 tips for getting cheap car insurance

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.

What factors affect my insurance rates?

  • The make, model, trim, age and value of your car
  • How many miles you drive
  • Your car’s safety features and anti-theft devices
  • Where you keep your car
  • Your coverage levels and deductible
  • Your age, marital status and location
  • Your driving record and payment record
  • Your gender (except in HI, MA, MT, NC and PA)
  • Your credit score (except in CA, HI and MA)
  • Whether you rent, lease or own your vehicle
If you want cheaper car insurance, you have to show insurers you’re a low risk driver. You can get the cheapest rates for having a safer car, parking in a garage, not driving much, paying premiums on time and avoiding accidents and claims.
  • Did you know?

Shopping for and comparing your auto insurance quotes every six to 12 months can save you thousands of dollars over your lifetime.

Compare car insurance quotes to find the best deal

If cost 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 quotes for California drivers.

Company Average annual rate Learn more
Geico $394 Read review
USAA $416 Read review
Alliance $435
Progressive $536 Read review
Grange $557 Read review
Mercury $564 Read review
Esurance $609 Read review
Kemper $615 Read review
21st Century $651 Read review
Allied $666 Read review
Nationwide $666 Read review
Allstate $693 Read review
Liberty Mutual $709 Read review
State Farm $726 Read review
The Hartford $727 Read review
Average $598 Compare all reviews

How to compare car insurance quotes

Ever wonder why quotes for coverage differ by provider? You might not be comparing equivalent prices.

  • 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? If you provided only your car make and model for a quote without your age, address and driving history, the quote might not be your final price. Generally, the more information you provide, the more accurate your quote.
  • Is the coverage equivalent? Two comprehensive policies can include different coverage, which can lead to significant price differences.
  • Do you need a special type of insurance? Driving for business, carrying passengers for pay and specific coverage add-ons can all affect your premiums.

Compare car insurance where you live

Your car insurance rates 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. Find your state to compare the minimum required coverage, driving laws and average rates for your area.

Compare car insurance for your state

How does car insurance work?

In simple terms, car insurance is a contract that you have with an auto insurance company where you pay a regular fee in exchange for the promise to pay for certain kinds of coverage in the event of an accident. The auto insurance company will cover medical fees and vehicle repair damages up to the amount in the insurance policy that you’ve signed up for.

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.


Uninsured motorist

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 car
Vandalism
Hitting a pole
Hail & storms
Floods
Hit and run

When should I switch 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

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How to cancel car insurance the easy way

Switching insurance can take some time to find the right company and get your old policy canceled, but many companies let you simply mail in your cancellation notice and don’t even charge a fee.

Every provider’s cancellation policy is a little different, so it pays to check out comprehensive guides for canceling insurance with your current provider. Generally, you can expect the process to play out like this.

  1. Find a new provider. Compare car insurance policies side by side to find the best insurance for you. Consider price and discounts but also what features you need in a policy and how much coverage you want.
  2. Set up your new policy. Plan for your new policy to start on the same day your old policy is canceled. You’ll receive a letter of confirmation from your new insurer, and then you’re safe to cancel your old policy.
  3. Cancel your old policy. Find out any fees or refunds you might be facing. Mail in your notice or cancel by phone, app, email or online account. Your new insurer can also help you with this step. You should get written confirmation from your old provider that your insurance has been canceled.

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Your car insurance questions answered

Policy information

Coverage and exclusions

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