We ’ ve done the difficult ( and smart ) solve of comparing rates so you don ’ t have to. Let us help you compare car policy quotes that fit your needs and budget. Our team of experts compared car insurance rates to present you with a data-driven guide. The savings are real – our data analysis shows that an average policyholder could save $1,600 per year by comparing auto insurance rates. That means more money in your pocket ! To help you conduct your policy quote comparison, we show below how companies compare for three different coverage levels. The driver profile is a male, 30, with a clean commemorate and good credit. Above shown are modal annual rates compared. To compare cable car policy rates, you will need to first decide how much coverage you need, be surely you have on hired hand the data you ’ ll need about your cable car and the drivers who will be listed on the policy. besides, keep in mind the dispute between a car insurance rate comparison and a car indemnity quote comparison : You will get quotes during your research, but the claim total you pay for coverage – your pace — may be a bite more or less after the policy company finalizes its calculations .
Get an idea of what you can expect to pay.
If you ’ ve moved or if you just want to get a feel for what car indemnity costs in your neighborhood or are a new driver, you can get an idea of what people in your area are paying by using our car indemnity comparison tool, showing the average cable car policy rate in each ZIP code.
California Car Insurance Rates by ZIP Code
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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age :
Male Female
COVERAGE TYPES
State Minimum Liability
Liability Only – $50K/$100K/$50K
Full Coverage – $100K/$300K/$100K
*Please enroll valid Zip
State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
94404
Foster City
For 30 Year Old Male (Type: Liability – Minimum )
$46
Average Monthly Premium
Highest Rate $ 56/mo.
Highest Rate $56/mo.
Lowest Rate $ 26/mo.
Lowest Rate $26/mo.
Compare personalized quotes from up to 20 companies in California now
MOST & LEAST EXPENSIVE ZIP CODES in California
| MOST EXPENSIVE PER MONTH |
|---|
| 91205 – Glendale: $91 |
| 90212 – Beverly Hills: $91 |
| 90038 – Los Angeles: $91 |
| 91203 – Glendale: $90 |
| LEAST EXPENSIVE PER MONTH |
|---|
| 96107 – Coleville: $33 |
| 96093 – Weaverville: $34 |
| 93513 – Big Pine: $34 |
| 96027 – Etna: $34 |
in California
How we researched it?
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Review your existing policy and assess coverage.
While you shop around for the price and policy party that is correct for you, you should know what coverages are right for you excessively. If this is a modern policy you need to meet at least your department of state ‘s minimum liability car insurance requirements. If you plainly want to find the cheapest cable car policy possible when comparison shop, you would look for liability coverage only, and in the smallest amount your state will accept. ( legally required minimal indebtedness coverage amounts vary by state. ) Bear in mind that some states require thus little coverage that an accident might leave any other assets you have, such as a home or savings, vulnerable to lawsuits. If you ’ re replacing a policy, review the data on your policy to see if your existing coverage is still the best for you. The four independent types of car policy you should understand are :
- Liability car insurance – Covers others’ property damage and medical expenses. If you have few assets, you don’t need high limits. If you own a home or have savings, you do — 100/300/100 is recommended. That means $100,000 per person, up to $300,000 an accident and $300,000 for property damage costs.
- Uninsured motorist coverage – Comes in two forms: uninsured motorist bodily injury pays for medical bills if you’re injured in an accident that an uninsured driver causes. Uninsured property damage pays to fix your car. Some states require these coverages, but if yours doesn’t, ask yourself if you would have the money to pay for damages yourself should you be hit or injured by a driver without car insurance.
- Collision coverage – Covers damage to your car. This pays out only up to the actual cash value of your car. If your vehicle is old, you may not need this optional protection.
- Comprehensive insurance – Covers theft and damage to your car from hail, floods, fire, vandalism and animal strikes. Like collision coverage, this will pay you up to the amount your car is valued by the insurance company. If you drive a beater, you may not need the extra coverage.
Comprehensive and collision coverage are typically not budget-busters. A comprehensive car indemnity comparison analysis by CarInsurance.com shows the national average cost per year is $ 192. For collision, it ’ s $ 526. besides, decide now what deductible makes sense for your situation. One of the best ways to save on car insurance is to raise your deductible for collision and comprehensive examination indemnity, but remember that if you have a title, that deductible will be your out-of-pocket expense to repair or replace your car. If you have more than one claim, you ‘ll have to pay the deductible each time. We recommend you choose an amount that you can pay from savings. Your car won ’ t be repaired until you pay your share .
Gather your personal information.
If you compare car indemnity rates online, it ’ sulfur easier to compare quotes side-by-side, which saves you from having to repeatedly give out the same information and write down quotes on your own. Once you know what coverage you need, gather the be information to request a car insurance quotation .
- Name, birth date and driver’s license number of all drivers to be covered.
- Make and model of each car to be covered.
- Driving history, including accidents and driving violations, of all drivers to be covered by the policy.
Start comparing car insurance quotes from different companies.
immediately you can begin collecting on-line car indemnity quotes. Request rates from at least three different insurers. Be careful to compare the like coverage by using the same indebtedness limits, identical deductibles and optional coverages. besides be sure to follow up with electric potential insurers about any car insurance discounts you may qualify for. There may be extra discounts offered that are not region of the on-line quotation mark process. For case, you may be asked how many miles you drive a year to see if you ’ re eligible for a low-mileage dismiss, but you may not be asked what your adolescent driver ’ s grades are, which could snag you a good-student discount.
Now that you know what coverages and limits you need, start now by finding car insurance companies in your area .
Research potential car insurance companies before you buy.
When you ’ re quick to buy, research the insurers that offered you the lowest rate. The National Association of Insurance Commissioners ( NAIC ) recommends that when you compare indemnity companies you take the trace steps :
- Check with an insurance rating service, such as A.M. Best or Standard & Poor’s, to find a grade or rating for the company and an analysis of its finances so you can feel confident that a potential insurance claim will be paid.
- Check for complaints against the company with NAIC’s Consumer Information Source.
- You can also research complaint rates online at the Better Business Bureau and your state insurance department’s websites.
- Read the customer comments at the insurer’s Facebook and Twitter accounts to see if people are generally happy with the service.
- Find out the best car insurance companies for 2021 based on a customer satisfaction survey of current policyholders conducted by CarInsurance.com.
Tips for comparing car insurance quotes from different companies
Understanding variables that shock rates : When you compare car insurance costs, understand that there are many factors that influence car insurance rates. The major considerations include your age, where you live, the type of car you drive, your drive record, your credit history and how much coverage you buy. Your deductible : The deductible you pay if you have a full coverage policy will increase or decrease your price. Higher deductibles lower your rates because insurers assume you will file fewer claims. If your deductible is $ 1,000, it doesn ’ t make sense to file a claim for price under that amount or even for a bite more than that, since you ’ ll have to pay the deductible before your policy pays out. Fewer claims means your potential monetary value to your insurance company is lower, so the amount you pay is lower. On the early hand, a humble deductible, say $ 500, means you ’ ll likely file more claims. then, a gloomy deductible will increase your rates. Drop optional coverages if you don’t need it: If you have a cable car that you own outright and it ’ s not worth much money, less than $ 3,000, and is 10 years old or older, it might not make fiscal smell to carry the optional coverages of comprehensive and collision. You alone get paid out up to the actual cash value of your car if you file a claim under these portions of your policy. Get all the discounts for which you qualify : not all drivers meet the criteria for all discounts, so be sure to get the ones that match your driver profile. common car indemnity discounts include those for bundling with your home plate indemnity company, paying your policy in full, paying electronically, meeting humble mileage requirements, having condom and anti-theft features installed, insuring more than one vehicle with the same ship’s company, staying accident-free for three to five years and maintaining a high-grade point average. Check customer reviews: Be surely to read customer reviews of companies you are considering to buy coverage from. besides, check the sociable media and Facebook pages of the policy companies on your list to see what policyholders have to say about their experiences .
Car insurance comparison chart – Comparing rates by state with average savings
Below you ’ ll see the modal highest and lowest rates fielded from up to six major insurers for closely every slide fastener code in each department of state. The remainder between the highest and lowest rates is the sum you can potentially save by comparing car policy quotes from different companies .
| State
|
Average Rate
|
Average Highest Rate
|
Average Lowest Rate
|
Average $ Savings
|
Average % Savings
|
|---|---|---|---|---|---|
| Michigan | $3,141 | $5,899 | $1,062 | $4,837 | 455% |
| Kentucky | $2,368 | $3,749 | $944 | $2,805 | 297% |
| DC | $2,188 | $3,773 | $1,042 | $2,731 | 262% |
| Delaware | $1,921 | $3,738 | $1,020 | $2,718 | 266% |
| New Jersey | $1,993 | $3,569 | $990 | $2,579 | 261% |
| Nevada | $2,402 | $3,626 | $1,154 | $2,472 | 214% |
| Connecticut | $2,036 | $3,029 | $689 | $2,340 | 340% |
| Florida | $2,162 | $3,079 | $850 | $2,229 | 262% |
| Rhode Island | $2,040 | $2,992 | $763 | $2,229 | 292% |
| Texas | $1,823 | $3,065 | $997 | $2,068 | 207% |
| Arizona | $1,783 | $2,742 | $702 | $2,040 | 291% |
| New York | $2,062 | $2,799 | $824 | $1,975 | 240% |
| Louisiana | $2,601 | $3,345 | $1,429 | $1,916 | 134% |
| Illinois | $1,538 | $2,632 | $763 | $1,869 | 245% |
| Georgia | $1,865 | $2,724 | $1,010 | $1,714 | 170% |
| Pennsylvania | $1,700 | $2,496 | $785 | $1,711 | 218% |
| Wyoming | $1,782 | $2,547 | $944 | $1,603 | 170% |
| Colorado | $1,948 | $2,631 | $1,036 | $1,595 | 154% |
| Massachusetts | $1,466 | $2,134 | $546 | $1,588 | 291% |
| California | $2,125 | $2,593 | $1,052 | $1,541 | 146% |
| Oregon | $1,496 | $2,362 | $837 | $1,525 | 182% |
| Maryland | $1,816 | $2,558 | $1,044 | $1,514 | 145% |
| West Virginia | $1,654 | $2,576 | $1,064 | $1,512 | 142% |
| Montana | $1,963 | $2,605 | $1,111 | $1,494 | 134% |
| Hawaii | $1,589 | $2,321 | $890 | $1,431 | 161% |
| Arkansas | $1,763 | $2,447 | $1,036 | $1,411 | 136% |
| Idaho | $1,285 | $2,078 | $673 | $1,405 | 209% |
| Vermont | $1,410 | $2,212 | $812 | $1,400 | 172% |
| New Mexico | $1,604 | $2,334 | $951 | $1,383 | 145% |
| North Dakota | $1,577 | $2,324 | $949 | $1,375 | 145% |
| New Hampshire | $1,086 | $1,999 | $664 | $1,335 | 201% |
| Mississippi | $1,684 | $2,353 | $1,022 | $1,331 | 130% |
| North Carolina | $1,425 | $2,064 | $767 | $1,297 | 169% |
| Washington | $1,620 | $2,248 | $962 | $1,286 | 134% |
| Wisconsin | $1,335 | $1,890 | $605 | $1,285 | 212% |
| Alabama | $1,713 | $2,299 | $1,036 | $1,263 | 122% |
| Kansas | $1,689 | $2,347 | $1,085 | $1,262 | 116% |
| Minnesota | $1,619 | $2,262 | $1,013 | $1,249 | 123% |
| Oklahoma | $1,815 | $2,376 | $1,127 | $1,249 | 111% |
| Ohio | $1,191 | $1,781 | $537 | $1,244 | 232% |
| Indiana | $1,266 | $1,894 | $672 | $1,222 | 182% |
| Virginia | $1,196 | $1,927 | $712 | $1,215 | 171% |
| Maine | $1,080 | $1,711 | $536 | $1,175 | 219% |
| South Dakota | $1,643 | $2,213 | $1,062 | $1,151 | 108% |
| Soutn Carolina | $1,653 | $2,118 | $986 | $1,132 | 115% |
| Tennessee | $1,493 | $2,028 | $906 | $1,122 | 124% |
| Iowa | $1,352 | $1,955 | $841 | $1,114 | 132% |
| Utah | $1,492 | $1,877 | $800 | $1,077 | 135% |
| Missouri | $1,798 | $2,152 | $1,126 | $1,026 | 91% |
| Nebraska | $1,500 | $1,946 | $972 | $974 | 100% |
| Alaska | $1,560 | $1,994 | $1,022 | $972 | 95% |
| National average | $1,758 | $2,557 | $910 | $1,647 | 178% |
Compare car insurance quotes side-by-side
If you want to compare car insurance quotes side-by-side, you can do therefore by filling out forms on car insurance comparison websites such as CarInsurance.com and Insurance.com. Use the CarInsurance.com calculator tool to get a customize recommendation in minutes for how a lot coverage you need, and be matched with car insurance companies that can provide quotes. At Insurance.com, you can buy coverage after you compare multiple car insurance quotes on a single shape .
Factors to consider while doing an auto insurance quotes comparison
many factors affect your cable car policy rates. here we ’ ll go over the chief variables of your driver profile that insurers consider when pricing your policy .
- Where you live: Your location, and where you garage your car, is the springboard for calculation what you pay. Insurance companies consider the frequency and cost of accidents, vandalism, weather damage and theft claims in your area, and set a base rate. From there, your cost is adjusted up or down, depending on your driving record and the type of vehicle you’re insuring, and other circumstances, such as your credit history, and demographics, such as your age. You can compare car insurance rates by ZIP code for three coverage levels, based on your age, by using CarInsurance.com’s average rate tool. It also shows the highest and lowest rate fielded from up to six carriers, so you can see how much you can potentially save by comparison shopping.
- Your age: Inexperienced drivers, typically teens and those under 24, pay higher rates than older drivers because they are deemed to be high-risk motorists, meaning they have a high likelihood of getting into accidents. Generally, rates are cheapest for drivers in their 40s, 50s and 60s, and then increase a bit again at age 70, based on an analysis of average car insurance rates by age.
- Your gender:Using gender when setting car insurance rates is somewhat controversial as insurance companies maintain it’s a fair practice based on their actuarial research, while consumer advocates argue it is discriminatory. As a result, there are seven states that have either banned the use of gender in pricing auto insurance or that require unisex pricing. Female drivers from age 16 to 24 pay, on average, around $500 less (15%) a year for car insurance compared to their male counterparts, according to CarInsurance.com’s rate analysis. Our rate data show from age 25 to 65 rates for males and females are within 5% of each other, with rates for males a tad cheaper from age 45 to 75. After age 75, females start again to pay less, but only around 7%, or $100, annually. States that banned the use of gender: California, Hawaii, Massachusetts, Montana, North Carolina, Michigan and Pennsylvania.
- Your credit history: Drivers with bad credit pay more for coverage than those with good credit. If you have bad credit, you can still save on coverage by comparing quotes, but be prepared for more expensive rates.
- Your driving record: Your driving record plays a huge role in what you’ll pay for insurance. Car insurance rates go up 31%, on average, after one at-fault accident with more than $2,000 in damage, or by $450 a year, CarInsurance.com rate data show. It’s just a bit more for an at-fault bodily injury accident.
- The type of vehicle you drive: Car insurance costs also vary by make and model, as insurance companies consider, along with other factors we’ve mentioned already, how safe the vehicle is, what its rate of accident claims are and how much it costs to repair. To compare car insurance rates by vehicle, below you’ll see the average car insurance rates for the nation’s top-selling 2021 vehicles:
| Make
|
Model
|
Average Rate
|
|---|---|---|
| Ford | F-150 XL | $1,370 |
| Chevrolet | Silverado 1500 LT | $1,420 |
| RAM | Ram 2500 Tradesman | $1,536 |
| Toyota | RAV4 Adventure | $1,399 |
| Toyota | Camry LE | $1,604 |
| Chevrolet | Equinox L | $1,390 |
| Honda | CR-V LX | $1,285 |
| Toyota | Corolla L | $1,572 |
| Honda | Civic LX | $1,500 |
| Nissan | Rogue Sport SV | $1,441 |
| Ford | Explorer XLT | $1,453 |
| Toyota | Tacoma SR | $1,411 |
| GMC | Sierra 1500 | $1,385 |
| Jeep | Grand Cherokee Laredo | $1,450 |
| Ford | Escape S | $1,360 |
| Toyota | Highlander LE | $1,472 |
| Nissan | Rogue S | $1,441 |
| Honda | Accord LX | $1,501 |
| Jeep | Wrangler JL Sport | $1,339 |
| Subaru | Forester 2.5I | $1,333 |
| Ford | Escape S | $1,360 |
| Subaru | Outback 2.5I | $1,330 |
- How much coverage you buy: Bare-bones coverage, or your state’s minimum liability limits, will cost less than full coverage, but the liability insurance doesn’t cover your car. And, of course, you get more financial protection with a policy that has higher liability limits and includes comprehensive and collision, which pays for damage to your car. Below you’ll see how car insurance rates compare for three common coverage levels:
| Coverage Type | Avg. Annual Cost | Avg. Monthly Cost |
|---|---|---|
| State Minimum | $574 | $48 |
| 50/100/50 | $644 | $54 |
| 100/300/100 | $1,758 | $147 |
Best times to do an auto insurance quotes comparison
It ’ s wise to shop your policy at least once a year, upon renewal, to be certain you ’ ve not overpaying. But you should besides compare car insurance quotes when you experience life changes because your existing party may no long be the most low-cost after a major change in your circumstances. That ’ sulfur because some companies may hike your rates a distribute after an accident, for exemplify, while another may not. here are early times you should compare car policy quotes, as your rate is probable to be affected, and switching companies may mean more savings :
- You move
- You buy a car
- Add or drop drivers from your policy
- Experience a significant change in your credit score
- Have an accident or multiple moving violations within 12 months
- Add a teen driver
If you compare cable car policy quotes, you ‘ll save money because you ‘ll see which carrier wave offers the cheap car policy for your finical circumstances. You can compare quotes from top companies in fair minutes with our barren on-line creature ! It only takes a few seconds and it could save you hundreds of dollars each year. Plus, there are no hide fees or obligations – always ! Just enter your zip up code and start comparing rates now !