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Or get a quote directly from one of these providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

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How much does car insurance cost?

The average cost of car insurance is $1,065 per year, or $89 a month, but rates vary based on your car, driving record, demographics and other reasons. The biggest factors that affect your rate include:

  • Your car. Your car’s make, year and model are the biggest factors in your insurance rates. Its current value and whether you own it will also affect your coverage costs and how much coverage you need.
  • Your location. Where you live and drive is the second biggest factor for rates. Each state sets minimum insurance requirements, and even rates in different ZIP codes in the same city can vary by hundreds of dollars. Living in a high-claims area can drive your rates up, like a big city or an area with a high rate of uninsured drivers.
  • You. Your demographics affect your rates more than you might think. Your rates are based on your age, gender, marital status, credit score and other factors that have nothing to do with your driving. Insurance companies use these factors to predict your risk level and set your rates.

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.

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