Whether you ’ re replacing an old policy or adding your newly licensed adolescent to your coverage, comparing cable car policy quotes is the best way to find low-cost rates. Policygenius makes it easy to compare quotes from top car policy companies and choose the coverage that ’ s best for you and your wallet. quick to shop cable car insurance ? Start calculator According to an analysis of cable car policy rates by Policygenius, the average price of a car insurance policy in the U.S. is $ 1,652 a year. But rates can vary widely depending on factors like your policy ship’s company, your driving history and the type of car you have.

here ’ s what determines your car policy rates :

  • Your address : accident rates, population density, and repair costs in your region will all go into calculating your premiums .
  • Your coverage : More types of coverage and higher limits means more protective covering, but it besides means higher premiums .
  • Your old age : Younger, less experience drivers ( under 25 ) are more likely to get in accidents and file claims, so they frequently pay the most for car insurance .
  • Your cable car : The make and exemplary of car you drive will affect your insurance rates. Luxury cars with expensive parts cost more to insure than a budget day by day driver, and cars with certain safety features can get you a lower rate .
  • Your credit seduce : Drivers with hapless citation scores may have more disturb finding low-cost coverage than drivers with higher credit scores .
  • Your driving history : recent accidents and driving violations will raise a red flag on your profile, while having a screaky clean record can earn you supernumerary savings .
  • Your indemnity history : late claims on your read or gaps where you were uninsured will mean higher rates .

Genius topple car policy quotes are free – you don ’ metric ton beginning paying until you sign your policy. That means you can get as many quotes as you want to make certain you ’ re getting the best hand .

Compare car insurance rates by state

Where you live, down to your specific ZIP code, plays a function in how much your cable car policy costs, and each express has its own coverage limits that will besides affect the cost of your policy. here are the cheapest companies in every department of state for wax coverage car policy, which includes comprehensive and collision coverage in addition to liability. → Learn more about car policy costs fix to shop car insurance ? Start calculator

Compare car insurance rates by age and gender

Your car insurance rates vary based on factors like long time and sex. Most policy companies consider teens or inexperienced drivers “ bad, ” and may charge higher rates as a solution. Men frequently pay slightly higher rates than women — although some states have passed laws banning indemnity companies from using sex to determine rates .

Compare car insurance rates for seniors

Older drivers can start to see their car indemnity rates tick up, but seniors can even get great rates on policies by choosing the right company and taking advantage of discounts, like taking a driver ‘s education course offered by organizations like AAA or AARP. fix to shop car insurance ? Start calculator

Compare car insurance rates by credit score

car insurance companies take recognition score into circumstance when calculating your rates, and the lower your credit score, the more you ’ ll pay up for car policy – but some states have outlawed this practice .

ship’s company Poor credit Fair accredit good recognition very good credit excellent credit
Allstate $3,335 $2,365 $2,007 $1,903 $1,706
American Family $2,206 $1,543 $1,321 $1,219 $1,101
Erie $2,836 $1,630 $1,200 $1,056 $955
Farmers $3,086 $2,276 $1,973 $1,801 $1,620
GEICO $2,219 $1,513 $1,185 $1,065 $940
Nationwide $2,205 $1,802 $1,511 $1,431 $1,331
Progressive $3,220 $2,254 $1,807 $1,584 $1,380
State Farm $3,338 $1,843 $1,395 $1,224 $1,095
Travelers $2,880 $1,975 $1,537 $1,338 $1,226
USAA $2,018 $1,302 $1,108 $1,038 $966

Compare car insurance rates by driving record

Your drive criminal record is one of the most significant factors that car indemnity companies consider when calculating your rates. The more accidents or violations you have on your record, the more you ’ ll give for coverage .

Violations average annual cost

At-fault Accident $2,555
Driving with a suspended license $3,117
DUI $3,153
Hit and Run $3,182
Speeding Ticket $2,277

Compare car insurance rates by coverage amount

The measure of coverage you buy besides has a big shock on what you pay for car policy. The absolute brassy policies only cover up to the minimum total required in your state, while full coverage policies, that include comprehensive and collision coverage, offer better protection .

company department of state minimum Full coverage ( 50/100/50 ) Full coverage ( 100/300/100 )
Allstate $750 $1,991 $2,097
American Family $676 $1,515 $1,557
Erie $370 $1,157 $1,201
Farmers $781 $1,968 $2,109
GEICO $402 $1,179 $1,261
Nationwide $624 $1,569 $1,671
Progressive $737 $1,814 $1,967
State Farm $475 $1,240 $1,333
Travelers $683 $1,586 $1,690
USAA $369 $1,128 $1,191

What car insurance coverage do I need?

Every car indemnity policy is made up of different types of coverage to protect you in any scenario. A typical wide coverage policy includes :

Bodily injury liability

For when you rear-end another driver and give them whiplash

Property damage liability

For when you damage another car ( or any other piece of property )

Personal injury protection

Covers your own aesculapian expenses after an accident

Uninsured/underinsured motorist

For when you ’ ra t-boned by an uninsured driver

Comprehensive

When your car is damaged, but not by a collision

Collision

Covers your cable car after a collision, tied one you ‘ve caused

Bodily injury liability

For when you rear-end another driver and give them whiplash

Property damage liability

For when you damage another car ( or any other piece of property )

Personal injury protection

Covers your own medical expenses after an accident

Uninsured/underinsured motorist

For when you ’ re t-boned by an uninsured driver

Comprehensive

When your car is damaged, but not by a collision

Collision

Covers your car after a collision, even one you ‘ve caused Most states require a minimum amount of coverage, but won ’ t make you buy all six types of coverage. It ’ s a good theme to have all of them, though, to ensure that you ’ re protected in every situation and aren ’ deoxythymidine monophosphate left footing the circular if you ’ re ever in an accident ( whether it ’ s your defect or not ). quick to shop car insurance ? Start calculator

How to compare car insurance quotes

  1. figure out how a lot coverage you need. Understand what each kind of coverage does and how much you need. We recommend drivers have at least $ 100,000 per person/ $ 300,000 per accident in bodily injury liability and $ 100,000 in property damage liability coverage in order to be in full protected .
  2. Fill out an application. Answer a few simple questions online, like your age, savoir-faire, stream insurance provider and whether or not you ’ ve had any late accidents. insurance companies use all of that data to set your rates .
  3. Choose a policy and get insured. Found the right field option for you ? Sign your policy and set it to start the accurate day you need it. Once you pay your first bounty, you ’ ra thoroughly to go .
  4. Cancel your previous policy ( if you have one ). equally soon as your modern policy is set up, you can cancel your old one. Make sure to set your old coverage to end on the same day your new policy starts, so you don ’ t have a backsliding in coverage .

Policygenius customer reviews

The reviews are in. See what our current customers are saying about how we make buying car policy slowly .trustpilot logotrustpilot stars TrustScore 4.8 of 5 Read our 3087 Reviews → Read more Policygenius customer reviews

Frequently asked questions

Why did my car insurance rates go up?

Your rates may have gone up because you had an accident, filed a claim, or added a modern driver to your policy. sometimes, your rates may rise because of changes in the diligence. Remember, if you ’ re not glad with the monetary value of your cable car insurance, it never hurts to shop around for new coverage .

Who has the cheapest car insurance?

Since car policy rates are then personalize, the cheapest car insurance company might be unlike for every driver. That ’ south why it ’ s so authoritative to shop around and compare quotes from different companies before you settle on a policy .

What age does car insurance go down?

Younger, inexperienced drivers pay more for car indemnity because they ’ rhenium riskier to insure. But rates for adolescent drivers devolve over time until age 25, equally hanker as they avoid accidents .

Does getting a car insurance quote affect my credit?

When you apply for car insurance, policy companies will do a “ easy question ” into your credit, which won ’ t affect your credit score or show up when future lenders check your credit. Credit score does matter when it comes to car policy, though, and drivers with inadequate credit will see higher rates. methodology expand Policygenius has analyzed car indemnity rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For broad coverage policies, the be coverage limits were used :

  • Bodily injury liability: 50/100
  • Property damage liability: $50,000
  • Uninsured/underinsured motorist: 50/100
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

In some cases, extra coverages were added where required by express or insurance company .
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE drive 10,000 miles/year .
Rates for driving violations and “ Poor ” credit rating determined using average rates for a one male 30-year-old driver with a credit seduce under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ .

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