Compare and shop auto insurance We’re here to make getting affordable car insurance easier Enter your ZIP here Please enter a valid zipcode. Get Started The cost of car insurance is determined by the car you drive, where you live, your driving history and other factors. The process of buying insurance can seem overwhelming. We’re here to make getting an affordable policy easier. Getting the right coverage is important — a robust policy can save you hundreds of thousands of dollars after an accident. But getting that coverage at a rate you can afford is equally as important. We’ll help you find the policy you need at a price that works for you. Insurance shopping made easy 1 Compare rates quickly. Get car insurance rate estimates fast 2 Choose from top companies. Compare rates from top car insurance companies to find the best fit. 3 Trusted expertise. We’ve been helping drivers like you make confident insurance choices for over 20 years. Factors that affect your auto insurance rates Where you live Insurance companies consider your area’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 Car insurers consider the claims history for your vehicle’s make and model, the average cost of repairs, 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 they’re more likely to get into accidents and file claims. Average car insurance rates by age & gender Your driving record Drivers with tickets, accidents or DUIs pay more for coverage than drivers with clean records because they’re more likely to file a claim. Compare car insurance rates for high-risk drivers Learn more about getting car insurance What are comprehensive and collision coverages? 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 Traffic ticket calculator Car insurance calculator Estimate rates Best car insurance companies Check out Insure’s best car insurance companies to see how top insurers, such as Travelers, State Farm, Progressive, Geico and Allstate, fared in a comprehensive ranking based on our consumer survey, average rates and third-party rankings, all analyzed and compiled by and our staff of experts. Show more How we picked Insure.com’s top-rated auto insurance companies 60+ Carriers reviewed 1500 Insurance consumers surveyed 65+ Insurance metrics examined How much is car insurance in your state? Select your state from the below list to see the average car insurance rates in your state.Average rates for car insurance Alabama $1,860/Year Alaska $1,676/Year Arizona $1,812/Year Arkansas $1,957/Year California $2,416/Year Colorado $2,337/Year Connecticut $1,725/Year Delaware $2,063/Year Florida $2,694/Year Georgia $1,970/Year Hawaii $1,517/Year Idaho $1,428/Year Illinois $1,532/Year Indiana $1,515/Year Iowa $1,630/Year Kansas $1,900/Year Kentucky $2,228/Year Louisiana $2,883/Year Maine $1,175/Year Maryland $1,746/Year Massachusetts $1,726/Year Michigan $2,352/Year Minnesota $1,911/Year Mississippi $2,008/Year Missouri $1,982/Year Montana $2,193/Year Nebraska $1,902/Year Nevada $2,060/Year New Hampshire $1,265/Year New Jersey $1,902/Year New Mexico $2,049/Year New York $1,870/Year North Carolina $1,741/Year North Dakota $1,665/Year Ohio $1,417/Year Oklahoma $2,138/Year Oregon $1,678/Year Pennsylvania $1,872/Year Rhode Island $2,061/Year South Carolina $2,009/Year South Dakota $2,280/Year Tennessee $1,677/Year Texas $2,043/Year Utah $1,825/Year Vermont $1,319/Year Virginia $1,469/Year Washington $1,608/Year West Virginia $2,005/Year Wisconsin $1,664/Year Wyoming $1,758/Year Show more Non-owner car insurance Alabama $380/Year Alaska $260/Year Arizona $396/Year Arkansas $266/Year California $299/Year Colorado $282/Year Connecticut $395/Year Delaware $344/Year Florida $545/Year Georgia $312/Year Hawaii $395/Year Idaho $187/Year Illinois $279/Year Indiana $259/Year Iowa $153/Year Kansas $274/Year Kentucky $375/Year Louisiana $330/Year Maine $238/Year Maryland $438/Year Massachusetts $445/Year Michigan $513/Year Minnesota $302/Year Mississippi $321/Year Missouri $358/Year Montana $299/Year Nebraska $186/Year Nevada $346/Year New Hampshire $318/Year New Jersey $459/Year New Mexico $293/Year New York $421/Year North Carolina $470/Year North Dakota $209/Year Ohio $214/Year Oklahoma $242/Year Oregon $441/Year Pennsylvania $263/Year Rhode Island $518/Year South Carolina $368/Year South Dakota $170/Year Tennessee $363/Year Texas $447/Year Utah $444/Year Vermont $296/Year Virginia $290/Year Washington $349/Year West Virginia $367/Year Wisconsin $230/Year Wyoming $215/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 determine if you have enough coverage with just a few questions about your car insurance. Try the car insurance advisor Dealing with accidents, tickets or claims? We’re 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 Car insurance after a DUI 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. Ask another question More about auto insurance The most and least expensive states for car insurance in 2025 By Katrina Raenell Cheap car insurance buying guide: How to get affordable coverage By Laura Longero How much used car insurance costs: Most and least expensive models to insure By Lena Borrelli High-risk car insurance: How to shop for it By Penny Gusner Non-owner car insurance: How to get car insurance if you don’t own a car in 2025 By Leslie Kasperowicz Factors that affect your car insurance rates By Shivani Gite How to cancel your car insurance policy By Desiree Ghazi How much do insurance agents make? By Susan Manning View all