Compare and shop auto insurance The cost of car insurance is determined by many factors, such as where you live and your driving history. We’re here to make getting an affordable policy a little easier. What is Your Zip Code? Please enter valid zip Are You a Homeowner? Yes No Are You Currently Insured? Yes No Compare Quotes Getting the right coverage is important — a robust policy can save you from spending hundreds of thousands of dollars in damages after an accident. But affording that coverage is equally as important. Our comprehensive guide helps you find the policy you need at a price that works for you. Factors that affect your auto insurance rates Where you live When determining how much you pay for auto insurance, insurance companies analyze your neighborhood’s claims history, including accidents, vandalism, and thefts. They also look at state-level regulations that impact pricing. Compare car insurance rates by state Your car The type of car you drives impacts how much you pay for auto insurance. To help set a rate, car insurers check the claims history for your vehicle’s make and model, the cost to repair your vehicle, the car’s safety record and the purchase price. Average car insurance rates by make & model Your age Teens and young drivers pay more for car insurance than older drivers because insurance companies view them as more likely to get into accidents and file claims. Average car insurance rates by age & gender Your driving record Your driving record determines how much you pay because it shows insurers how likely you are to file a claim. Drivers with tickets, accidents, or a DUI pay more for coverage than drivers with clean records. Compare car insurance rates for high risk drivers Learn more about getting car insurance What is comprehensive and collision coverage? What are the best auto insurance companies? What is liability auto insurance? What states have the cheapest car insurance rates? How much is car insurance a month? How does gap insurance work and do you need it? How do credit scores affect car insurance rates? Can you switch car insurance after an accident? Car insurance calculators and tools Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Liability coverage car insurance calculator New Car Insurance Calculator Used Car Insurance Calculator Financial Strength Calculator Insurance Advisor Car Insurance Discount Calculator Discounts by Profession Good Driver Discounts Calculator Calculate Car Insurance Rates by Model Compare Rates Best car insurance companies Check out Insure’s best car insurance companies to see which insurers got the highest marks from consumers and our staff of experts. Show more How much car insurance costs in your state Car insurance rates vary in each state. Select your state from the list below to get an estimate of how much car insurance costs where you live. Alabama $1,542/Year Alaska $1,359/Year Arizona $1,617/Year Arkansas $1,597/Year California $2,115/year Colorado $1,940/Year Connecticut $1,750/Year Delaware $2,137/Year Florida $2,560/Year Georgia $1,647/Year Hawaii $1,306/Year Idaho $1,121/Year Illinois $1,578/Year Indiana $1,256/Year Iowa $1,321/Year Kansas $1,594/Year Kentucky $2,105/Year Louisiana $2,546/Year Maine $1,116/Year Maryland $1,640/Year Massachusetts $1,538/Year Michigan $2,133/Year Minnesota $1,493/Year Mississippi $1,606/Year Missouri $2,104/Year Montana $1,692/Year Nebraska $2,018/Year Nevada $2,023/Year New Hampshire $1,307/Year New Jersey $1,901/Year New Mexico $1,505/Year New York $2,020/Year North Carolina $1,368/Year North Dakota $1,419/Year Ohio $1,023/Year Oklahoma $1,797/Year Oregon $1,244/Year Pennsylvania $1,445/Year Rhode Island $1,845/Year South Carolina $1,894/Year South Dakota $1,581/Year Tennessee $1,373/Year Texas $1,875/Year Utah $1,469/Year Vermont $1,158/Year Virginia $1,321/Year Washington $1,371/Year West Virginia $1,610/Year Wisconsin $1,499/Year Wyoming $1,736/Year Show more Car insurance advisor Being underinsured leaves you on the hook if you get into an accident. Our car insurance advisor can help you figure out if you have enough coverage by answering a few questions about your car insurance coverage. Start using car insurance advisor Dealing with accidents, tickets and claims? We are here to help! What to do after an accident? Best car insurance companies for speeding tickets How much will my insurance go up after an accident? Totaled vehicles DUI Guide How to file claims? How to get a new car after a total loss Still got a question? Our Auto Insurance experts are here to help! Ask Our Expert Please Enter Valid Question. Please Enter Valid Email. Error: Security check failed Ask the expert Thank You, Your message has been received. Technical Error, Please try again later. 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