You might find that there are many different viewpoints on the company to select and the type of coverage to purchase when you compare auto insurance quotes.
One of the best methods to save money is to compare prices from several insurance providers. And it’s not a lengthy procedure. Finding the greatest auto insurance prices and the proper policy just requires a small amount of time.
Get Free Car Insurance Quotes:
Here are two methods for obtaining free vehicle insurance quotes.
Online. Online free vehicle insurance quotes are available from numerous auto insurance providers. You can compare prices by going to the websites of several insurance providers. Use a website that offers quotes from many businesses to save time.
by telephone or personally. Speak to or contact a local insurance agent who can provide you with a car insurance estimate and assist you in locating solutions that are reasonably priced.
Insurance agents typically fall into one of two categories:
A “captive” agent works exclusively for one insurance provider and can only provide you with quotes from that provider.
An “independent” insurance agent can obtain estimates from many insurers and offer plans from a variety of insurance providers.
Compare Auto Insurance Rates:
Obtain automobile insurance estimates for the same level of protection and deductible from at least three different insurance providers. Because each auto insurance provider uses a different formula to determine premiums, costs might vary widely.
While one insurer may provide good prices for excellent drivers, if you have a speeding ticket or bad credit, another insurer might be a better option. You can locate the most affordable choice for you by requesting quotes from several insurance providers.
Advantage of Car Insurance Promos:
By utilizing vehicle insurance discounts, you can save hundreds of dollars annually. One approach to cut costs is to use a bundling discount. Having numerous policies with the same firm, such as home and auto insurance, is referred to as bundling.
According to Forbes Advisor’s analysis, multi-policy discounts are frequently between 5% and 25% off. The largest discount for bundling home and car insurance is offered by Farmers (26%) although Allstate (16%) and State Farm (15%) also provide respectable insurance bundling discounts.
Additionally, you could save money if you need to insure more than one vehicle. Discounts for multiple vehicles typically vary from 8% to 25%.
More Car insurance discounts include:
- Anti-theft device
- Defensive driving course
- Good driver
- Good student
- Paying in full
- Going paperless
- Vehicle safety features
Having the following data on hand will help the process go as smoothly as possible:
A license to drive. You will also require the information from any additional drivers living in your home.
VIN, or vehicle identifying number. Your VIN is normally located on the dashboard of the driver’s side of the car or on a sticker inside the driver’s side door or door jamb. Ask the seller for the VIN if you haven’t bought the car yet but know what you’re planning to buy. You may typically get an estimate without providing a vehicle make and model if you haven’t chosen your car yet.
Mileage. Be prepared with the odometer reading.
How much protection you desire. You should be aware of the sorts of coverage you wish to get and the amount of coverage you require. It’s a good idea to consult with an insurance agent who can answer your questions if you’re unsure.
Car Insurance Rates by Vehicle:
- Least Expensive Cars to Insure
| Vehicle | Average national rates per year |
|---|---|
| Honda CR-V LX | $1,574 |
| Jeep Wrangler JL Sport | $1,585 |
| Subaru Crosstrek | $1,606 |
| Subaru Forester 2.5I | $1,613 |
| Hyundai Tucson SE | $1,637 |
| Jeep Compass Latitude | $1,645 |
| Chevrolet Equinox L | $1,661 |
| Ford Escape S | $1,663 |
| Volkswagen Tiguan SE | $1,663 |
| Ford F-150 XL | $1,672 |
| Chevrolet Trax LS | $1,680 |
| Toyota Tacoma SR | $1,688 |
| Toyota RAV4 LE | $1,704 |
| Kia Sportage EX | $1,705 |
| Dodge Grand Caravan SE | $1,713 |
| Ford Edge SE | $1,722 |
| Mazda CX-5 Grand Touring | $1,729 |
| Chevrolet Traverse LS | $1,733 |
| Chevrolet Colorado | $1,733 |
| Ford Ranger Lariat | $1,748 |
| Toyota Highlander LE | $1,757 |
| Nissan Rogue S | $1,758 |
| Honda Pilot SE | $1,762 |
| GMC Canyon All Terrain | $1,777 |
| Subaru Outback 2.4I Limited XT | $1,789 |
Expensive Cars to Insure:
| Vehicle | Average national rates per year |
|---|---|
| Lexus NX 300h | $2,014 |
| Dodge Ram 1500 Rebel | $2,015 |
| Lexus RX 350 | $2,105 |
| Nissan Altima 2.0 S | $2,130 |
| Tesla Model 3 Standard Plus | $2,447 |
| Volvo XC90 T8 Inscription | $2,456 |
| Lexus ES 300H | $2,485 |
| Tesla Model S Performance | $3,960 |
Auto Insurance Rates by Age and Gender 2023:
Car insurance prices are influenced by your age and gender. Young, inexperienced drivers pay the most and might anticipate a decrease in their rates after they turn 25. The greatest prices for drivers with clean driving histories are available in their 50s and 60s. Around the age of 65, rates start to rise once more.
| Age | Average national rates per year for a female driver | Average national rates per year for a male driver |
|---|---|---|
| 18 | $6,100 | $7,151 |
| 20 | $4,444 | $5,234 |
| 25 | $2,574 | $2,733 |
| 30 | $2,334 | $2,369 |
| 40 | $2,245 | $2,222 |
| 50 | $2,076 | $2,080 |
| 60 | $2,004 | $2,025 |
| 70 | $2,208 | $2,289 |
| 80 | $2,632 | $2,864 |
Car Insurance for Drivers With a DUI:
DUIs are expensive mistakes. According to our data, drivers with a DUI experience a 70% national average increase in their auto insurance rates. Here are some significant insurance companies’ rate increases following a DUI.
| Company | Average national rates per year for a good drive | Average national rates per year after one DUI | Average cost increase after a DUI |
|---|---|---|---|
| USAA* | $1,412 | $2,751 | 95% |
| Progressive | $2,157 | $2,776 | 29% |
| American Family | $2,176 | $2,983 | 37% |
| State Farm | $1,959 | $3,235 | 65% |
| Auto-Owners | $1,628 | $3,363 | 107% |
| Erie | $2,144 | $3,390 | 58% |
| Geico | $1,716 | $3,451 | 101% |
| Farmers | $2,381 | $3,517 | 48% |
| Travelers | $1,852 | $3,675 | 98% |
| Nationwide | $2,041 | $3,677 | 80% |
| Allstate | $3,000 | $3,856 | 29% |
| Safe Auto | $2,647 | $3,874 | 46% |
| Westfield | $1,759 | $4,357 | 148% |
Cheapest Car Insurance:
According to our survey of the best inexpensive car insurance providers countrywide, USAA consistently offers the lowest car insurance rates. However, USAA auto insurance is only offered to active duty personnel, veterans, and their families.
Based on national averages, our investigation revealed that Auto-Owners, Geico, Westfield, and Travelers provide affordable rates if you don’t qualify for an insurance via USAA. It’s still a good idea to compare estimates from several providers because the cheapest auto insurance rates might vary by state, driving history, and other factors.