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Compare Car Insurance Quotes (2022 Rates)

Compare Car Insurance Quotes (2022 Rates). You might find that there are many different viewpoints on the company to select and the type of coverage to purchase when you compare auto insurance quotes.

One of the best methods to save money is to compare prices from several insurance providers. And it’s not a lengthy procedure. Finding the greatest auto insurance prices and the proper policy just requires a small amount of time.

How Do I Get Free Car Insurance Quotes?

Here are two methods for obtaining free vehicle insurance quotes.

One. Online free vehicle insurance quotes are available from numerous auto insurance providers. You can compare prices by going to the websites of several insurance providers. Use a website that offers quotes from many businesses to save time.

2. Via telephone or personally. Speak to or contact a local insurance agent who can provide you with a car insurance estimate and assist you in locating solutions that are reasonably priced.

Insurance agents typically fall into one of two categories:

1. A “captive” agent works exclusively for one insurance provider and can only provide you with quotes from that provider.

2. An “independent” insurance agent can obtain estimates from many insurers and sell plans from a variety of insurance providers.

Both strategies have advantages, and it is not illegal to speak with several insurance agents. It doesn’t hurt to compare prices online and speak with an agent who can help you determine your coverage requirements and create the best policy for you.

What Information Do I Need to Get Auto Insurance Quotes?

Having the following data on hand will help the process go as smoothly as possible:

  • A license to drive. You will also require the information from any additional drivers living in your home.
  • Vehicle’s license plate number (VIN). Your VIN is normally located on the dashboard of the driver’s side of the car or on a sticker inside the driver’s side door or door jamb. Ask the seller for the VIN if you haven’t bought the car yet but know what you’re planning to buy. You may typically get an estimate without providing a vehicle make and model if you haven’t chosen your car yet.
  • Mileage. Have the car’s odometer reading on hand if you own it.
    how much protection you desire. You should be aware of the sorts of coverage you wish to get and the amount of coverage you require. It’s a good idea to contact an insurance agent who can help you with your inquiries if you’re unsure.
  • Additional information about you will be gathered by the auto insurance provider, including your driving record, previous auto insurance claims, and (in most states) your credit.

What Is the Cheapest Car Insurance?

According to our survey of the best inexpensive car insurance providers countrywide, USAA consistently offers the lowest car insurance rates. However, USAA auto insurance is only offered to active duty personnel, veterans, and their families.

Based on national averages, our investigation revealed that Erie, Geico, and State Farm provide competitive rates if you don’t qualify for coverage via USAA. It’s still a good idea to compare estimates from several providers because the cheapest auto insurance rates might vary by state, driving history, and other factors.

Compare Car Insurance Rates 2022

Comparing auto insurance quotes is all about gathering options so you can find the best car insurance companies.

Compare car insurance rates:

Compare Car Insurance Rates by Company

Car insurance policies are not all priced the same. It is crucial to compare auto insurance quotes from various providers because of this. Here are some examples of major insurance providers and typical national premiums for safe drivers (meaning no traffic violations or at-fault accidents).

Company Average national rates for good drivers
USAA $1,141
Geico $1,182
State Farm $1,402
Erie $1,419
Travelers $1,435
Auto-Owners $1,532
Nationwide $1,540
Progressive $1,892
Allstate $2,022
Farmers $2,124

Compare Car Insurance Rates by State

State Average annual cost of car insurance for good drivers
Alabama $1,546
Alaska $1,325
Arizona $1,731
Arkansas $1,803
California $2,466
Colorado $2,034
Connecticut $1,463
Delaware $1,767
District of Columbia $1,574
Florida $3,158
Georgia $1,683
Hawaii $1,157
Idaho $1,171
Illinois $1,693
Indiana $1,296
Iowa $1,243
Kansas $1,940
Kentucky $2,233
Louisiana $3,544
Maine $1,022
Maryland $1,790
Massachusetts $1,836
Michigan $2,470
Minnesota $1,686
Mississippi $1,655
Missouri $1,834
Montana $1,501
Nebraska $1,718
Nevada $2,176
New Hampshire $1,066
New Jersey $2,332
New Mexico $1,692
New York $1,780
North Carolina $1,275
North Dakota $1,372
Ohio $1,171
Oklahoma $1,840
Oregon $1,543
Pennsylvania $1,790
Rhode Island $1,934
South Carolina $2,025
South Dakota $1,889
Tennessee $1,323
Texas $1,574
Utah $1,514
Vermont $1,174
Virginia $1,220
Washington $1,427
West Virginia $1,582
Wisconsin $1,299
Wyoming $1,452

Average annual rates for a safe driver age 30 with $100,000 per person in bodily injury liability coverage, $300,000 per accident, $100,000 in property damage liability, uninsured motorist coverage, and any other coverage mandated by the state. Source: Quadrant Information Services. With a $500 deductible, the pricing also includes collision and comprehensive coverage.

Compare Auto Insurance Rates by Age and Gender 2022

Car insurance prices are influenced by your age and gender. Young, inexperienced drivers pay the most and might anticipate a decrease in their rates after they turn 25. The greatest prices for drivers with clean driving histories are available in their 50s and 60s. Around the age of 65, rates start to rise once more.

Age Average national rates for a female driver Average national rates for a male driver
16 $6,408 $7,188
20 $3,100 $3,536
25 $1,870 $1,964
35 $1,651 $1,651
40 $1,614 $1,607
45 $1,586 $1,579
50 $1,512 $1,517
55 $1,465 $1,475
60 $1,454 $1,468
65 $1,489 $1,513
70 $1,573 $1,608
75 $1,712 $1,780
80 $1,880 $1,997

According to a Forbes Advisor survey, the majority of drivers oppose the idea of auto insurance providers using gender in vehicle insurance quotes. 62 percent of drivers believe that gender shouldn’t affect how much their insurance will cost. The number of women who oppose it is over three-quarters (72%) compared to just 41% of males.

In your opinion, should auto insurance companies take a driver’s gender into account when it comes to pricing?

Answer % female response % male response
Yes 18% 53%
No 72% 41%
Don’t know/Prefer not to answer 10% 6%

Compare Car Insurance Rates by Credit Score

When determining your car insurance quotations, car insurance firms frequently employ an insurance-based credit score. Drivers with bad credit might anticipate paying rates that are much higher than those of drivers with good credit. Shopping around is essential for this reason.

According to insurers, a person’s credit corresponds with their propensity to file an insurance claim. When determining prices, many insurers give credit-based insurance ratings a lot of consideration.

Even though using credit is debatable, drivers appear to be coming up with the idea. According to a June 2022 Forbes Advisor study,

  • According to 42% of consumers with auto insurance, credit should be taken into account when calculating prices.
  • Only 22% of respondents to a Forbes Advisor survey last year approved of the practice, which is near twice as many as this year.
  • In California, Hawaii, Massachusetts, and Michigan, it is illegal to utilize insurance-based credit ratings when purchasing auto insurance.

The table shows the average national rate increase for drivers with poor credit compared to good drivers.

Company Average annual rates Average annual rates for drivers with poor credit The average increase for drivers with poor credit
Geico $1,221 $1,750 43.30%
USAA $1,111 $1,865 67.90%
Nationwide $1,411 $1,905 35%
Travelers $1,499 $2,487 65.90%
Erie $1,182 $2,694 127.90%
Progressive $1,825 $3,052 67.20%
Farmers $2,073 $3,409 64.40%
Allstate $2,315 $3,617 56.20%
State Farm $1,403 $3,849 174.30%
Auto-Owners $1,520 $3,970 161.20%

Compare Car Insurance for Drivers with a DUI

DUIs are expensive mistakes. According to our data, drivers with a DUI experience a 74 percent national average increase in their auto insurance rates. Here are some significant insurance companies’ rate increases following a DUI.

Company Average annual rates Average annual rates with one DUI Average rate increase after a DUI
State Farm $1,403 $1,942 38%
Erie $1,182 $2,077 76%
USAA $1,111 $2,138 92%
Travelers $1,499 $2,248 50%
Progressive $1,825 $2,329 28%
Farmers $2,073 $2,865 38%
Auto-Owners $1,520 $2,894 90%
Nationwide $1,411 $2,942 109%
Geico $1,221 $3,129 156%
Allstate $2,315 $3,382 46%

Compare Car Insurance Rates for Drivers with an At-Fault Accident

Your auto insurance will most likely increase if you cause a collision. Here is a comparison of the rate hikes for bad drivers versus those who caused accidents that resulted in injuries.

Company Average annual rates Average annual rates with one at-fault accident causing injury Average rate increase after one at-fault accident causing injury
USAA $1,111 $1,676 50.90%
State Farm $1,403 $1,713 22.10%
Erie $1,182 $1,733 47%
Auto-Owners $1,520 $2,089 37.40%
Travelers $1,499 $2,356 57.20%
Geico $1,221 $2,490 103.90%
Nationwide $1,411 $2,651 87.90%
Progressive $1,825 $3,070 68.20%
Farmers $2,073 $3,662 76.70%
Allstate $2,315 $3,973 71.60%

Compare Car Insurance Rates for Drivers with a Speeding Ticket

After receiving a speeding ticket, reckless drivers should anticipate an increase in their auto insurance premiums. Here are the rate hikes for motorists who have received one speeding ticket.

Company Average annual rates Average annual rates with one speeding ticket Average rate increases after a speeding ticket
USAA $1,111 $1,190 7.10%
Erie $1,182 $1,256 6.30%
Geico $1,221 $1,384 13%
State Farm $1,403 $1,403 0%
Auto-Owners $1,520 $1,520 0%
Travelers $1,499 $1,668 11.30%
Nationwide $1,411 $1,683 19.30%
Progressive $1,825 $2,075 13.70%
Farmers $2,073 $2,563 23.60%
Allstate $2,315 $2,581 11.50%

Compare Car Insurance Rates for Seniors

The most affordable vehicle insurance companies for seniors are Geico and USAA, with premiums that are significantly less than the $1,719 national average for senior drivers. When you reach your senior years, your likelihood of paying more for vehicle insurance increases, so it’s critical to compare quotes from different insurers to ensure you’re getting the lowest prices for your policy.

Company Average annual senior rates Average rates for 65-year-old male Average rates for 65-year-old female Average rates for 75-year-old male Average rates for 75-year-old female
Geico $1,197 $1,021 $1,044 $1,231 $1,114
USAA $1,299 $1,045 $1,023 $1,274 $1,209
State Farm $1,423 $1,252 $1,252 $1,400 $1,400
Travelers $1,515 $1,283 $1,219 $1,554 $1,409
Erie $1,525 $1,277 $1,238 $1,504 $1,471
Nationwide $1,611 $1,363 $1,333 $1,674 $1,531
Auto-Owners $1,633 $1,353 $1,366 $1,508 $1,522
Progressive $1,940 $1,649 $1,610 $2,097 $1,854
Allstate $2,244 $1,938 $1,898 $2,157 $2,112
Farmers $2,385 $2,005 $1,926 $2,450 $2,256

Compare Car Insurance Rates for Adding a Teen Driver

Here are the average national increases in auto insurance rates for a married couple adding a teenage driver to a 100/300/100 policy with collision and comprehensive insurance.

Company Average national rate increases after adding a teen driver
Nationwide 55%
American Family Insurance 130.40%
Geico 111.70%
Allstate 92.90%
Farmers 73.20%
USAA 168.20%
Erie Insurance 108%
State Farm 104.50%
Auto-Owners Insurance 181.60%
Progressive 147.90%
MetLife 174.10%

What Factors Influence My Car Insurance Quotes?

Car insurance quotes are influenced by a number of variables. Some of the most prevalent pricing considerations are listed below:

Your driving history

Drivers who have a spotless driving record will pay less than those with moving violations and at-fault collisions. Depending on your state, auto insurance providers often consider your driving history over the previous three to five years.

Your vehicle

Your quote is affected by the kind of vehicle you drive. Your auto insurance prices could be lowered if your vehicle has certain safety features (such as airbags and backup cameras for the rearview mirror).

Your location

The location of your home has a big impact on rates. For instance, automobile insurance claims are more common among urban drivers, which typically results in higher premiums.

Your driving experience

Teenagers and other young, inexperienced drivers will pay more than older, more seasoned drivers.

Other pricing factors

Additionally, many auto insurance providers consider things like gender, age, occupation, marital status, home ownership, and credit. Sometimes specific factors cannot be employed due to state law. For instance, the use of credit scores in auto insurance quotations is prohibited in Massachusetts, Michigan, Hawaii, California, and Hawaii.

Other drivers on your policy

If you live with other drivers, their driving history will have an effect on your rate. Adding a teen driver to your policy, for instance, will result in a sizable increase in your auto insurance costs.

How Do I Choose the Right Coverage Types?

Your auto insurance estimate will be significantly influenced by the types and amounts of coverage you select. However, don’t let your price-focused attitude cause you to forgo essential coverage. If you don’t purchase adequate insurance, you’ll have a coverage gap that, should you be involved in a car accident, could result in severe financial hardship.

Your objective is to locate the best insurance at the most affordable price for your unique circumstances. Here are a few typical coverage types to think about.

Car Liability Insurance

When you cause a car accident, car liability insurance is crucial protection that covers other people’s medical expenses and property damage. In the event that you are sued due to an automobile accident, it also covers your legal defense.

There are minimum requirements for auto liability insurance in all states bar New Hampshire and Virginia, but it’s a good idea to purchase more than that. This is due to the fact that, in the event of a serious accident, the minimal amounts are frequently woefully insufficient to pay for medical expenses and property damage.

You can be forced to cover the remaining costs out of pocket if your policy limits are too low. A reasonable rule of thumb is to purchase liability insurance that is sufficient to cover your net worth or the potential loss from a lawsuit.

Adding umbrella insurance to your auto policy is a fantastic method to increase the liability protection it provides.

The phrase “full coverage vehicle insurance” may be familiar to you. Usually, an insurance plan that covers liability, collision, and comprehensive coverage is meant.

Collision and Comprehensive Insurance

For a range of issues, including car accidents (regardless of responsibility), car theft, vandalism, fires, floods, falling items (like tree branches), and collisions with animals, collision and comprehensive insurance pay for repairs to your car.

Although collision and comprehensive insurance are sometimes provided combined, you can also buy them separately. Get car insurance quotes for comprehensive insurance without collision, for instance, if you only want coverage for issues like theft and flooding.

Just be aware that purchasing one without the other could result in a sizable coverage gap. For instance, collision coverage is necessary to cover repair costs if you rear-end a pole.

You are probably obligated to carry both regardless if you have a car loan or lease.

Uninsured and Underinsured Motorist Coverage

When you are involved in a car accident that was either caused by someone who did not have liability insurance or who did not have enough liability insurance to cover all of your medical bills, uninsured and underinsured motorist coverage pays for your medical bills as well as other costs like lost wages.

Some states mandate uninsured motorist coverage for drivers.

Medical Expenses Coverage

Depending on the state, this sort of insurance may or may not pay for medical bills and other costs (such as lost earnings) if you or your passengers are hurt in a car accident, regardless of who was at fault.

Some states’ “no-fault” auto insurance programs mandate personal injury protection insurance (PIP).

Other Car Insurance Coverage Types

When you compare auto insurance quotes, you’ll typically discover a number of possibilities beyond the fundamentals. If you’re willing to shell out more money, these kinds can assist you to fill coverage gaps:

  • Gap protection. This coverage compensates the “gap” between the insurance cheque and what you owe if your automobile is totaled or stolen and the vehicle’s worth is less than the amount you own on a car loan or lease.
  • Vehicle insurance for rental reimbursement. This covers the price of a rental automobile while your car is being fixed as a result of an insurance claim for an accident. However, there may be minimal daily limits, so be sure you need them.
  • Insurance for roadside assistance. Roadside assistance insurance will cover a tow, a jump-start for a dead battery, gas for empty tanks, and a locksmith if you manage to lock your keys in the car if you become stranded on the side of the road. Roadside help may be more affordable somewhere else, like an auto club.

How to Compare Car Insurance Quotes

Many Drivers Don’t Know That Car Insurance Quotes are Free

The false perception that receiving quotations will cost money is one potential obstacle for people looking to get insurance. According to a recent Forbes Advisor study, around a quarter (27%) of respondents claimed that acquiring vehicle insurance quotes costs money either occasionally or always. There isn’t.

More men than women believed it was necessary to pay for vehicle insurance quotations, which is false:

  • Only 16 percent of women, compared to 50 percent of males, believed you had to pay at least occasionally to get quotes.
  • 61 percent of women correctly stated that getting vehicle insurance quotes is usually free. Men only knew that to a 36 percent level.

Here are some pointers for comparing automobile insurance quotes:

Determine how much coverage you need

As low limits can be exceeded by even minor accidents, consider if it makes sense to purchase more than your state’s minimal liability requirements. In nearly all circumstances, it does. Choose a deductible amount and decide whether you want comprehensive collision coverage for your own vehicle.

Research customer service

Examine customer satisfaction scores to locate an insurance provider that will be accommodating if you need to make a claim and that will assist you in choosing the greatest selections for coverage that suit your requirements.

Check coverage options and discounts

Make sure the businesses you’re thinking about offer discounts and coverage alternatives that are appropriate for your driving style. Check to see if these are available, for instance, if you want pet injury coverage included with the choice of a usage-based plan or accident forgiveness. Consider a business with good student and low-mileage discounts if you have a teen driver and work from home.

Methodology

For drivers with liability coverage of $100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $100,000 for property damage (100/300/100), as well as collision and comprehensive insurance, we averaged the rate rise in each state among major insurers. Information from Quadrant Information Services

You might find that there are many different viewpoints on the company to select and the type of coverage to purchase when you compare auto insurance quotes.

One of the best methods to save money is to compare prices from several insurance providers. And it’s not a lengthy procedure. Finding the greatest auto insurance prices and the proper policy just requires a small amount of time.

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