Compare Car Insurance Quotes From Top Companies (2026)
Comparing car insurance quotes from multiple companies like State Farm, Progressive and Geico can save you hundreds or even thousands of dollars a year.
If you haven’t compared car insurance quotes from a few different companies in a while, you might be overpaying. When you compare quotes, keep in mind that:
- Cost matters, but so do ratings and reviews.
- What you pay depends on your age, your vehicle, where you live and more.
- You should compare quotes every time your policy is up for renewal. That usually means every six or 12 months.
Compare car insurance company rates
Make sure you compare car insurance rates from companies of all sizes. Smaller companies sometimes have lower rates than the largest auto insurance companies.
Erie has cheaper car insurance than many large companies, for example. It charges an average of $131 a month for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. and $44 a month for liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. policies.
Travelers and State Farm are the cheapest large auto insurance companies. Travelers has the cheapest full coverage rate among large insurers, at $135 a month. State Farm has the cheapest liability insurance, at $56 a month.
Car insurance costs an average of $177 a month for full coverage and $68 a month for liability. You can often find cheaper prices when you shop around.
Auto insurance rate comparison
| Company | Full coverage | Liability | LendingTree score | |
|---|---|---|---|---|
 | Erie | $131 | $44 |  |
 | Country Financial | $134 | $61 |  |
 | Travelers | $135 | $59 |  |
 | State Farm | $144 | $56 | |
 | American Family | $146 | $51 | |
 | Auto-Owners | $154 | $51 | |
 | Progressive | $160 | $69 | |
 | Geico | $173 | $65 |  |
 | Nationwide | $190 | $76 |  |
 | Allstate | $248 | $104 | |
Compare car insurance ratings
Comparing car insurance ratings helps you find companies you can trust. For example, the overall satisfaction ratings from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. show how happy customers are with their insurance companies.
The National Association of Insurance Commissioners The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault. (NAIC) complaint ratings show the number of complaints a company receives relative to its size.
In these ratings:
- Erie has the highest overall satisfaction rating.
- Country Financial has the best complaint rating.
- Erie, Country Financial and State Farm are among six companies that beat the average for both ratings.
Car insurance ratings comparison
| Company | Overall satisfaction | Complaint rating | LendingTree score |
|---|---|---|---|
| Allstate | 635 | 0.70 | |
| American Family | 640 | 0.47 | |
| Auto-Owners | 638 | 0.46 | |
| Country Financial | 659 | 0.23 | |
| Erie | 703 | 0.82 | |
| Geico | 645 | 0.75 | |
| Nationwide | 645 | 0.70 | |
| Progressive | 621 | 0.61 | |
| State Farm | 650 | 0.84 | |
| Travelers | 613 | 0.46 | |
How to compare car insurance quotes
Comparing car insurance quotes is easy. You can shop from your home or office and get quotes online or by phone. Many insurance agents can meet with you in person, too.
You can also contact insurance companies directly or use a comparison site like LendingTree.
With a comparison site, you usually only have to fill out one form to get multiple quotes. Some agents may try to call you. Let them know if you prefer to communicate by email or text.
Three ways to compare auto insurance quotes
To compare quotes, you can work with an insurance agent, get your own quotes online or use a comparison site.
Work with an agent
Pros
- Personalized service
- Can answer questions in real time
Cons
- Usually requires more time and effort
- Options may be limited
Get quotes online
Pros
- You choose where to get quotes
- Easy to customize policy options
- No phone calls
Cons
- Can take a lot of time
- Limits you to large companies
Use a comparison site
Pros
- Fastest and easiest option
- Only need to input your information once
Cons
- Company options may be limited
- Follow-up calls and emails
What you need to get a car insurance quote
You’ll need to share some basic information about all the drivers and vehicles in your household to get auto insurance quotes.
Driver info
- Date of birth
- Occupation
- Marital status
- Home address
- Phone number and email address
- Driver’s license number
- Recent accidents or traffic incidents
Vehicle info
- Year bought
- Year, make and model
- Body style
- Current mileage
- Average mileage per year
- Vehicle identification number (VIN)
- Current insurance company
Sample car insurance quote comparison
All of the quotes you get from car insurance companies should have the same coverage types, amounts and deductibles Your deductible is your share of repair costs for a collision or comp claim. Your insurance company pays the rest. , if possible. Then you can just choose the company with the cheapest rate, best ratings or some combination of the two.
That’s not always possible, however. In such cases, you need to do a little extra work. Here are some sample car insurance quotes that are similar, but not the same.
| Coverage | State Farm | Travelers | Auto-Owners |
|---|---|---|---|
| Collison | $500 deductible | $1,000 deductible | $1,000 deductible |
| Comprehensive | $500 deductible | $1,000 deductible | $1,000 deductible |
| Medical payments | None | None | $10,000 limit |
| Monthly rate | $129 | $112 | $115 |
In these examples:
- Travelers is the cheapest option. It has the same coverages as State Farm but higher deductibles.
- Auto-Owners’ quote is only a little more expensive than Travelers. However, it includes medical payments Medical payments covers injuries to you and your passengers, no matter who caused the accident. (MedPay) coverage while the other two do not.
- State Farm’s quote has the lowest deductibles, but also the highest rate.
Auto-Owners may be your best option if you don’t mind the higher deductible. It’s not the cheapest plan, but it offers more coverage for the price than Travelers. Auto-Owners also has better ratings than Travelers.
Factors that affect your car insurance rate
Insurance companies look at several factors about you to come up with your insurance rate. The most common include:
- Your age
- Your driving record
- Your credit history
- Where you live
- The type of car you drive
- Any discounts you may qualify to receive
Each company weighs these factors differently and offers different car insurance discounts. Comparing rates from a few companies helps you find the cheapest rate for your situation.
Compare car insurance quotes by age
Your age has the biggest impact on your car insurance rate when you are under 25. Younger drivers have higher crash rates. This is the main reason why car insurance for teens is so expensive.
Seniors also tend to have slightly higher crash rates than middle-aged drivers. This is why your rates may go up during your retirement years.
USAA has the cheapest average rates for all age groups, though USAA only offers coverage to active and veteran members of the military and their families. Nationwide has the cheapest rates among companies available to everyone, followed by State Farm.
Monthly insurance rate comparisons by age
| Company | Age 18 | Age 35 | Age 65 |
|---|---|---|---|
| Allstate | $10,629 | $5,779 | $4,557 |
| Geico | $8,449 | $3,212 | $3,061 |
| Nationwide | $6,240 | $2,179 | $1,982 |
| Progressive | $7,273 | $2,782 | $2,509 |
| State Farm | $7,460 | $2,469 | $2,178 |
| USAA* | $5,351 | $1,828 | $1,682 |
Monthly car insurance rates by age
| Age | Monthly rate |
|---|---|
| 18 | $684 |
| 25 | $314 |
| 35 | $273 |
| 65 | $239 |
| 75 | $284 |
Compare car insurance quotes by driving record
It’s especially important to compare car insurance rates if you have a bad driving record. A violation or accident usually makes your rate go up. However, each company raises its rates by different amounts for different incidents.
State Farm is the cheapest large company for drivers with a speeding ticket or at-fault accident. Progressive has the cheapest DUI insurance.
Insurance rates for bad driving
| Company | Ticket monthly rate | Accident monthly rate | DUI monthly rate |
|---|---|---|---|
| State Farm | $156 | $163 | $343 |
| American Family | $173 | $237 | $270 |
| Travelers | $181 | $195 | $224 |
| Progressive | $213 | $238 | $208 |
| Geico | $233 | $296 | $404 |
| Nationwide | $244 | $299 | $416 |
| Allstate | $295 | $406 | $379 |
| Farmers | $338 | $400 | $434 |
Insurance rate comparisons by driving record
| Driving record | Monthly rate | Difference from clean record |
|---|---|---|
| DUI | $329 | 86% |
| At-fault accident | $263 | 49% |
| Speeding ticket | $219 | 24% |
Compare car insurance quotes by credit
You may have to spend more time comparing car insurance rates if you have bad credit. Car insurance usually costs more for drivers with bad credit. But the rate impacts of bad credit vary by company.
Among large companies, American Family and Travelers have the cheapest bad-credit car insurance.
Bad credit car insurance rates
| Company | Monthly rate |
|---|---|
| American Family | $241 |
| Travelers | $249 |
| Progressive | $271 |
| Nationwide | $279 |
| Geico | $282 |
| Allstate | $402 |
| Farmers | $473 |
| State Farm | $593 |
If you live in California, Hawaii, Massachusetts or Michigan, you don’t need to worry about your credit affecting your car insurance rate. These states don’t let insurance companies use your credit history while setting your rate.
Find out your credit score for free with LendingTree Spring before you shop for car insurance.
Compare car insurance rates by state
Each company’s car insurance rates vary by state, and so does the average cost of insurance.
Vermont has the cheapest full coverage car insurance, at $101 a month. Nevada has the most expensive full coverage, at $280 a month.
As far as companies go, State Farm and Travelers are the cheapest car insurance companies in 12 states each. Geico is the cheapest in seven states and the District of Columbia. Progressive has the cheapest rates in seven states.
Car insurance rates by state
| State | Monthly rate | Cheapest company (full coverage) | Cheapest monthly rate |
|---|---|---|---|
| Alabama | $153 | Travelers | $103 |
| Alaska | $135 | Geico | $116 |
| Arizona | $201 | State Farm | $144 |
| Arkansas | $197 | State Farm | $125 |
| California | $182 | Geico | $127 |
| Colorado | $238 | Geico | $182 |
| Connecticut | $265 | Travelers | $112 |
| Delaware | $256 | Farmers | $147 |
| Florida | $264 | State Farm | $158 |
| Georgia | $155 | Farm Bureau | $119 |
| Hawaii | $126 | Geico | $69 |
| Idaho | $127 | State Farm | $61 |
| Illinois | $154 | Travelers | $93 |
| Indiana | $144 | Travelers | $97 |
| Iowa | $149 | Progressive | $89 |
| Kansas | $199 | Travelers | $124 |
| Kentucky | $176 | Travelers | $131 |
| Louisiana | $277 | Allstate | $212 |
| Maine | $107 | Travelers | $66 |
| Maryland | $172 | State Farm | $129 |
| Massachusetts | $152 | Geico | $113 |
| Michigan | $218 | Progressive | $134 |
| Minnesota | $194 | Travelers | $106 |
| Mississippi | $176 | State Farm | $107 |
| Missouri | $198 | Travelers | $115 |
| Montana | $183 | State Farm | $95 |
| Nebraska | $171 | Farmers Mutual of Nebraska | $99 |
| Nevada | $280 | Travelers | $161 |
| New Hampshire | $113 | Safety | $86 |
| New Jersey | $209 | Geico | $132 |
| New Mexico | $188 | State Farm | $133 |
| New York | $192 | Progressive | $104 |
| North Carolina | $124 | Progressive | $70 |
| North Dakota | $158 | State Farm | $100 |
| Ohio | $124 | Geico | $97 |
| Oklahoma | $193 | Progressive | $99 |
| Oregon | $172 | State Farm | $88 |
| Pennsylvania | $166 | Erie | $120 |
| Rhode Island | $224 | Progressive | $163 |
| South Carolina | $152 | Auto-Owners | $128 |
| South Dakota | $177 | Farmers Mutual of Nebraska | $91 |
| Tennessee | $150 | Travelers | $107 |
| Texas | $199 | State Farm | $101 |
| Utah | $193 | Progressive | $142 |
| Vermont | $101 | State Farm | $65 |
| Virginia | $132 | Travelers | $86 |
| Washington | $188 | Mutual of Enumclaw | $107 |
| Washington, D.C. | $218 | Geico | $179 |
| West Virginia | $150 | Westfield | $116 |
| Wisconsin | $146 | American Family | $112 |
| Wyoming | $111 | American National | $65 |
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Determine how much coverage you need
When you compare insurance rates, make sure the coverage types and amounts match up. If they don’t, it’ll be harder for you to make an accurate comparison.
The most common types of car insurance coverage include:
Liability
Liability car insurance covers injuries and damage you cause to others. It’s required by law in almost every state.
Collision
Collision covers damage to your own car caused by a collision with another vehicle or object. It’s not required by law, but you’ll probably have to get it if you finance or lease your vehicle.
Comprehensive
Comprehensive covers your vehicle for theft and damage caused by something other than a collision, like fire, flood and vandalism. You’ll usually need to get this with a loan or lease, too.
Uninsured motorist
Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else.
Personal injury protection
Personal injury protection (PIP) pays your medical bills and related expenses after an accident, no matter who causes it. It’s required in no-fault states and optional in others.
MedPay
Medical payments, or MedPay, coverage is a common alternative to PIP. It also covers injuries to you and your passengers.
The types and amounts of car insurance you need depend on your situation. You need to meet your state’s requirements, at the very least. If you have a car loan or lease, you also need collision and comprehensive coverage. You can buy add-on coverage for other needs you may have.
Sharing your current policy’s dec page can speed up the comparison process. It lets other companies show you their rates for your current coverage.
You should also get home insurance or renters insurance quotes when you shop for auto insurance. This lets you see each company’s rate for your entire insurance bundle.
Expert insights
Use the rates and other information you see here as a starting point. Our sample auto insurance quotes are for a 30-year-old driver with a typical car and a clean record. If you are older, or younger, the cheapest company for you may be different. The same is true if you drive a car that is more likely to get into an accident or costs a lot to repair.
How insurance agents help you compare quotes
It’s also important to know how agents can help you compare car insurance. Several companies have captive, or exclusive, agents. Most others work with independent agents.
- Captive agents can only give you quotes from the company they represent. State Farm and Allstate are among the better-known captive agent companies. You can contact their exclusive agents directly or through a comparison site.
- Independent agents can usually get you quotes from a few different companies. These include large companies like Travelers and Liberty Mutual, as well as lesser-known regional companies. However, an independent agent can’t get you quotes from companies with captive agents.
It’s good to find out which companies the agents you work with represent. You may have to contact other agents to get car insurance quotes from additional companies.
How LendingTree works
LendingTree’s insurance comparison tool lets you get quotes from several companies at once.
- It’s safe, secure and private.
- Some insurance agents may follow up with a phone call.
- Let them know if you prefer to communicate by email or text.
Frequently asked questions
Comparing car insurance quotes is one of the best ways to get the lowest payment for the most coverage. This is because it lets you see quotes from several different companies side by side, so it’s easy to choose the one that best fits your needs.
Quote comparison sites usually only make you fill out one form to get quotes from multiple companies. Many large companies offer quotes directly off their websites, as do a few smaller ones. Most other companies accept quote requests online but make you follow up with an agent.
You need to meet your state’s minimum car insurance requirements to drive legally. The requirements vary by state and usually include liability coverage. You often need to add collision and comprehensive coverage to your policy for a car loan or lease. Additional coverage types are optional.
Shopping around for a cheap rate is a good way to save money on car insurance. Choosing high collision and comprehensive deductibles is another good way to save. Consider dropping collision and comprehensive coverage for an older car with a low resale value.
Erie has the cheapest car insurance for typical drivers, but it’s only available in 12 states and the District of Columbia. State Farm is the cheapest large company. USAA also has cheap car insurance, but it’s only available to the military community.
It’s good to shop for car insurance every few years or whenever you get an unreasonable rate increase. You can switch companies anytime, but there’s often a fee to cancel an existing policy early. You can avoid the fee by switching on your next renewal date. Just make sure to start comparing rates a few weeks before then.
At LendingTree, we generally use the words “quotes” and “rates” interchangeably when talking about car insurance. Both car insurance rates and quotes are the prices companies send you when you contact them about buying a policy.
How we selected the cheapest car insurance companies
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum liability policies provide liability coverage with the state’s required minimum limits.
Full coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military as well as certain family members.