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Our car insurance analysis — based on millions of quotes collected across the country — backs that up. Read on to find out the cheapest companies in the country, in your state and for certain types of drivers.

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Cheap car insurance

Comparison shopping is crucial if you want to save money on car insurance. So two companies can charge wildly different rates for the same driver. Easily compare personalized rates to see how much switching car insurance could save you. Auto insurance prices tend to inch up over time, but they can also go down.

Several factors go into an auto insurance rate: ZIP code, marital status, annual mileage, driving history and vehicle make, year and model.

The cheapest car insurance companies (july )

In most states, your gender and credit history could also be used to determine rates. Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. But to help you get going, we can show you average annual rates for minimum and full coverage car insurance by state and by company, from many of the largest insurers in each state. Your age can have a big effect on what you pay.

Drivers 75 years and older tend to have higher car insurance rates than most age groups, after teens and twentysomethings. To get more insight, we compiled average annual rates from nine of the 10 largest private passenger auto insurers in the country based on market share data from the National Association of Insurance Commissioners. Drivers around the age of 25 typically get higher car insurance rates because as a group they get into more accidents on average than older drivers.

Rates vary from company to company. Below you can compare annual rates for year-olds by company and by state. Rates are averaged across the country separately for full and minimum coverage. Average car insurance rates for a year-old driver vary ificantly from state to state. Drivers around the age of 40 are in a car insurance sweet spot.

Because this age group tends to get in fewer accidents than others, they typically can get lower rates. Compare national average annual car insurance rates for year-olds by company and by state below. Keep in mind that not all of these companies are available in every state. But one thing you can control that can affect rates the most is your insurance company. Below you can compare company averages for year-olds before and after a DUI. While your rate will increase after a DUI, how much it does depends in part on which state you live in.

The cheapest car insurance companies (july )

Your credit history is one of the largest factors affecting your car insurance quote in all states except California, Hawaii, Massachusetts and Michigan. Carriers use credit history to determine how likely you are to file a claim. Below you can compare average full coverage rates for year-old drivers with poor credit by company.

Certain states prohibit the use of credit in setting rates, and how insurers treat credit differs from state to state. For example, state legislators in one state may allow more wiggle room for credit-based pricing than others, leading to variations by state.

Below you can compare average full coverage rates for year-old drivers with poor credit by state.

What is the cheapest car insurance company?

Among the largest companies, your history of accidents will affect your auto insurance quote in very different ways. If you have an on-record accident, make sure to compare car insurance quotes one, three and five years after the date of the incident to continue to get the best and cheapest rate possible. The cheapest car insurance company for a driver with a clean history might not be the cheapest company after an at-fault accident occurs. Below you can compare average full coverage rates for year-old drivers with a recent at-fault accident by company.

State legislators set limits on how much a company can increase your rates after a crash.

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Below you can compare average full coverage rates for year-old drivers with a recent at-fault accident by state. Auto insurance is financial protection, and not just for the investment you made when you bought your car. After a really serious accident, bills for damage and injuries can easily reach into hundreds of thousands of dollars. If you happen to cause such a wreck, the victims could sue you. In the worst case scenario, assets such as your savings and home could be seized. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison.

NerdWallet typically recommends having at least as much liability coverage as your net worth. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.

When choosing liability car insurance coverage, try to make sure the highest, middle is equal to or greater than the value of your net worth. Auto insurance quote comparison tip: Whatever coverage you choose, make sure you compare the quotes for the same type and amount of coverage so you can find the best price. Consider comparing quotes from regional companies as well as the big companies such as Allstate, Progressive and State Farm.

While shopping, make certain that each insurance quote includes:. The same drivers and cars. We recommend you shop around and compare rates for car insurance about once a year — this is your best bet at getting the cheapest rate.

Yes, buying car insurance online can be easier and more convenient than buying from an agent face-to-face. Most major insurance companies offer online quotes and let you adjust your policy details to see different prices. Remember to use a car insurance comparison tool to shop around and compare rates from at least three insurers before buying a policy. It depends. But in other states, women may pay more, on average, for car insurance compared to men with similar driving records.

For young adults, the trend is flipped — young men tend to pay more than women. But switching companies can wipe out that price difference, so your best bet is to shop around to find the cheapest insurance rate you can. However, your car insurance premium will vary based on factors like location, gender and age. Oftentimes, yes. Most insurers offer discounts for customers that bundle home and auto insurance, while others offer a separate discount just for being a homeowner. Bundling policies might also make it easier for you to keep track of your coverage and claims.

Combining policies is usually best reserved for drivers with a solid driving history. If you have multiple traffic violations, poor credit or other negative marks on your driving record, you might be better off shopping for auto insurance and homeowners insurance from separate companies.

However, it does have a very big impact and should be part of financial planning if you move out of your area. Use NerdWallet's reviews to compare car insurance companies and find the best one for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and more for all of the country's top auto insurance companies as well as many smaller, regional insurers.

Cheap car insurance

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for year-old men and women for all ZIP codes in any of the 50 states and Washington, D. These are average rates, and your rate will vary based on your personal details, state and insurance provider. In states where required, minimum additional coverages were added.

We used the same assumptions for all other driver profiles, with the following exceptions:. Advertiser disclosure. Compare car insurance rates The NerdWallet guide to finding the best car insurance rate.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Best cheap car insurance for

ZIP Code. Collision insurance pays for: Comprehensive insurance pays for: Damage to your car in an accident you cause. Damage to your car if you hit an object such as a fence or pole. Damage to your car if someone else hits you. Falling objects. Crashes with an animal, such as striking a deer. Riots and civil disturbances. Methodology NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services.

We used the same assumptions for all other driver profiles, with the following exceptions: For drivers with minimum coverage, we adjusted the s above to reflect only the minimum coverage required by law in the state. For drivers with a DUI, we added a single drunken-driving violation.