If you’re looking for affordable auto insurance as costs continue to climb nationwide, we recommend you compare car insurance quotes from at least three companies. This straightforward strategy has the potential to save you hundreds of dollars a year or more.
Compare Car Insurance Rates 2024
Comparing auto insurance quotes is all about gathering options so you can find the best car insurance companies.
Compare car insurance rates:
- By age
- By credit score
- For drivers with a DUI
- For drivers with an at-fault accident
- For drivers with a speeding ticket
- By vehicle
- For seniors
- For adding a teen driver
Compare Auto Insurance Rates by Age
Your age affects car insurance rates. Young, inexperienced drivers pay the most and can expect their rates to start going down around age 25. Drivers with good driving records that are free of tickets or accidents will enjoy the best rates in their 50s and 60s. Rates start to increase again around age 70.
We analyzed car insurance rates for a variety of ages. See our findings:
- Cheap Car Insurance For Teens And Young Drivers
- Best and Cheapest Car Insurance For College Students
- Best Car Insurance For Seniors
Compare Car Insurance Rates for 18-Year-Olds
Drivers who are 18 are relatively new to driving and more likely to be in auto accidents than more mature and experienced drivers. We recommend comparing car insurance quotes to find companies that fit your budget.
Average Annual Rates for 18-Year-Olds by Company
Prices for auto insurance vary greatly from one company to another because they calculate their rates using different formulas. We analyzed average rates for full coverage insurance and state minimum car insurance and found that Erie has the cheapest rates for an 18-year-old.
*USAA auto insurance is available only to the military, veterans and their families.
Average Annual Rates for 18-Year-Olds by State
Car insurance costs differ considerably from state to state for an 18-year-old driver. Hawaii—a state that prohibits age as a rating factor—is the cheapest state in our analysis. Florida and Louisiana have the most expensive auto insurance for drivers age 18.
Compare Car Insurance Rates for 25-Year-Olds
Rates start to fall for young drivers around age 25. These drivers now have several years of experience behind the wheel, so they pose less risk.
Average Annual Rates for 25-Year-Olds by Company
USAA has the lowest average cost for full coverage and state minimum car insurance for 25-year-olds if you qualify with a military connection. Travelers has the cheapest full coverage for all other drivers age 25.
Erie and Westfield are the cheapest insurers for state minimum coverage. They are regional companies so if they don’t serve your area, check quotes from Geico.
Safe Auto has the most expensive insurance for drivers age 25 among the companies in our analysis.
*USAA auto insurance is available only to the military, veterans and their families.
Average Annual Rates for 25-Year-Olds, by State
Hawaii and Vermont are the cheapest states for 25-year-old drivers who want full coverage. Florida and Louisiana are the most expensive.
The cheapest state for minimum car insurance coverage for 25-year-olds is Wyoming, followed by Hawaii and Vermont. Florida is the most expensive state for 25-year-olds to buy minimum coverage.
Compare Car Insurance Rates for 30-Year-Olds
By age 30, drivers generally have fewer accidents than younger drivers and can get better car insurance quotes.
By Company
USAA has the cheapest full coverage and state minimum car insurance rates for 30-year-olds, according to our analysis. Only military members, veterans and their families are eligible for USAA auto policies. Travelers is the cheapest for full coverage for other drivers and Auto-Owners is the cheapest for minimum coverage.
Allstate and Safe Auto are the most expensive companies for 30-year-old drivers.
*USAA auto insurance is available only to the military, veterans and their families.
By State
Vermont, Maine, Idaho and Hawaii are the cheapest states for 30-year-olds buying a full coverage policy, while Florida and Louisiana cost the most.
The cheapest states for buying minimum coverage at age 30 are Wyoming, Vermont and Iowa. Florida, New Jersey and Michigan are the costliest.
Compare Car Insurance for Drivers With Poor Credit
Poor credit increases car insurance rates for most drivers. Drivers with poor credit could pay more than double for car insurance compared to those with good credit. That’s because car insurance companies say their research shows that those with bad credit have a higher likelihood of making claims. We found that drivers with poor credit pay about 94% more compared to those with good credit.
By Company
Nationwide has the best quotes for drivers with poor credit. It charges an average of 43% more for drivers with bad credit. That’s far better than State Farm’s cost, an average of nearly $8,000 a year—almost quadruple the price it offers drivers with good credit.
*USAA auto insurance is available only to the military, veterans and their families.
By State
California, Hawaii, Massachusetts and Michigan ban the use of credit in pricing auto insurance. The remaining states allow car insurance companies to take credit into account when determining costs, which means poor credit can raise your costs substantially in those states.
We found that Washington has the lowest rates for drivers with poor credit, with an average cost of $1,812 per year. Washington also had the lowest rate increase with an average of 19%. Louisiana and Arizona have the most expensive rates, which are an average of over $7,000 per year. Arizona’s average rate increase for drivers with bad credit is 243% and Louisiana’s is 125%.
Compare Car Insurance for Drivers With a DUI
A DUI is a costly insurance mistake. Our analysis found that the average car insurance rate increase for drivers with a DUI is 71%. You can find the cheapest car insurance after a DUI by getting quotes from multiple companies.
By Company
Our analysis found that Progressive generally has the best insurance quotes for drivers with a DUI conviction. Westfield is the most expensive, with rates almost double those from Progressive.
*USAA auto insurance is available only to the military, veterans and their families.
By State
A DUI typically raises your auto insurance rates for three to five years, depending on your state.
Idaho has the cheapest rates for drivers with a DUI and California is the most expensive, with a 121% hike, on average). In addition, in California, you can’t receive a good driver discount until 10 years have passed after a DUI.
The percentage increase for a DUI in North Carolina is 203%, the highest in the country.
Compare Car Insurance Rates for Drivers With an At-Fault Accident
Expect car insurance rates to go up after an accident that’s your fault. We found that costs go up an average of 49% after an accident with injury and 48% after an accident you cause with property damage.
By Company
USAA has the lowest quotes for drivers with an at-fault accident resulting in injury to someone else. If you aren’t eligible for USAA insurance, check quotes from Erie and Travelers.
*USAA auto insurance is available only to the military, veterans and their families.
By State
Our analysis found that Vermont, Idaho, Maine and Hawaii have the cheapest rates for drivers who caused an accident with injury (less than $2,000 a year for a full coverage policy).
The most expensive states are Florida, California and Louisiana. California has the largest rate increase among all states—averaging 95%—nearly doubling rates for causing an accident.
Compare Car Insurance Rates for Drivers With a Speeding Ticket
Drivers can expect car insurance rates to go up after a speeding ticket. We found costs go up an average of 26%.
By Company
A speeding ticket is a minor traffic violation, so the rate increase is relatively small compared to a major violation like a DUI. USAA is the cheapest company for those who qualify. Nationwide and Erie are the cheapest for all other drivers, among the insurers in our analysis.
By State
Drivers with speeding tickets will see a bump up in car insurance rates ranging from an average of 13% to 54%, depending on the state. How long a speeding ticket will stay on your record varies by state, but it’s generally three to five years.
Texas insurers have the lowest increase for drivers with speeding tickets (13%). Michigan has the highest increase (54%).
Vermont has the lowest average rate for drivers with a speeding ticket ($1,353 a year). That’s a 17% rate increase compared to a driver with a clean record.
