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Rates vary widely across insurers for identical coverage. Here are average monthly premiums for a 35-year-old with a clean record and full coverage.
| Company | Avg/Mo | Rating | Quote |
|---|---|---|---|
| USAA | $76/mo | 4.8 | Get Quote → |
| GEICO | $86/mo | 4.5 | Get Quote → |
| State Farm | $89/mo | 4.6 | Get Quote → |
| Nationwide | $98/mo | 4.4 | Get Quote → |
| Allstate | $107/mo | 4.3 | Get Quote → |
| Progressive | $134/mo | 4.5 | Get Quote → |
| Travelers | $112/mo | 4.3 | Get Quote → |
| Liberty Mutual | $182/mo | 4.2 | Get Quote → |
*Rates are national averages for full coverage (100/300/100 liability, $500 deductible). Your rate may differ based on location, age, vehicle, and history.
Understanding what each coverage type protects against helps you build the right policy — and avoid paying for coverage you don't need.
Covers bodily injury and property damage you cause to others in an at-fault accident. Required in almost every state.
How much do you need?
State minimums are often too low. Experts recommend at least 100/300/100 ($100K per person, $300K per accident, $100K property damage).
Pays for damage to your car from collisions with vehicles, objects, or rollovers — regardless of fault.
When is it worth it?
If your car is worth less than $4,000, the premiums may exceed potential payouts. Consider dropping collision on older vehicles.
Covers non-collision damage: theft, vandalism, weather events, animal strikes, fire, and falling objects.
Often bundled with collision
Most lenders require both collision and comprehensive if you have a car loan or lease.
Protects you when an at-fault driver has no insurance or insufficient coverage. Also covers hit-and-run accidents.
13% of drivers are uninsured
Over 1 in 8 drivers on the road has no insurance. This coverage is inexpensive and highly recommended.
Covers medical expenses, lost wages, and funeral costs for you and your passengers — regardless of fault.
Required in no-fault states
PIP is mandatory in 12 no-fault states. Even where optional, it can fill gaps left by health insurance.
Pays medical expenses for you and passengers after an accident, no matter who is at fault.
Simpler than PIP
MedPay is available in most states, doesn't cover lost wages like PIP, but has no deductible.
Insurers use dozens of variables to price policies. These are the most significant factors — and what you can do about them.
| Factor | Impact |
|---|---|
| Driving Record | Very High |
| Age & Gender | High |
| Credit Score | High |
| Location (ZIP Code) | High |
| Vehicle Type & Value | Medium |
| Annual Mileage | Medium |
| Coverage Levels | Medium |
| Claims History | Medium |
Most drivers qualify for several discounts but never ask. These can stack to reduce your premium by 30–50%.
Bundle auto + home or renters insurance with the same company.
No accidents or violations in 3–5 years earns significant discounts.
Full-time students with a B or better GPA qualify at most insurers.
Apps like Snapshot (Progressive) or Drive Safe & Save (State Farm) track your driving.
Paying your full 6-month or annual premium upfront avoids installment fees.
Going paperless and enrolling in auto-pay earns small but easy discounts.
Factory alarms, GPS trackers, and VIN etching reduce theft risk.
Completing an approved course helps, especially for seniors and new drivers.
Rates vary dramatically by state. Louisiana, Florida, and Michigan are among the most expensive. Maine, Vermont, and Idaho are the cheapest.
Decide on your coverage levels before shopping. If you have a loan, your lender requires full coverage. If your car is paid off and worth under $5,000, liability-only might be sufficient. Choose deductibles you can afford to pay out-of-pocket.
Have your driver's license number, VIN, current policy details, and mileage handy. Accuracy matters — inaccurate quotes will change at binding. Include every driver in your household.
The same coverage can differ by $1,000+/year between insurers. Use InsuranceBuddies to see quotes from 120+ companies side-by-side. Never settle for your renewal rate without shopping.
When you get a quote or call an insurer, explicitly ask: "What discounts am I not currently receiving?" Many discounts aren't auto-applied. Bundling, telematics programs, and loyalty discounts are often overlooked.
Look up AM Best financial ratings (A or higher is ideal) and J.D. Power customer satisfaction scores. A cheap insurer that denies claims or has poor service can cost more in the long run.
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