Car Insurance Quotes: What You Need to Know

One of the best ways to find cheap car insurance quotes online is to searching multiple companies feature and peoples comment.

Drivers are expected to have accident protection in pretty much every state. In any case, in the event that you wind up with a small bunch of inquiries concerning vehicle protection, you’re in good company — and it’s wise to find out about protection before you get statements. Here’s beginning and end you really want to realize about accident coverage quotes before you shop.

What are auto insurance quotes for car insurance?

A car insurance quote is an estimate of how much you’ll pay for a policy. An insurance quote is calculated based on the information you provide, including your age, the car you drive, your driving history and where you live, among other factors.

Insurers each use their own unique formula to calculate a car insurance quote, so even if you provide the same information to Geico, Progressive or any other company, no two quotes will be the same. The more auto insurance quotes you get, the better chance you’ll have of finding the cheapest car insurance company for you.

How to get car insurance quotes

There are several ways you can get free auto insurance quotes. You can buy directly online or over the phone, from a “captive agent” (who works for only one company), or from an independent agent or insurance broker.

First, some pro tips. Whichever option you choose, make sure you:

  1. Look into car insurance companies’ complaint records and customer satisfaction. Auto insurance reviews are a good place to start.
  2. Get at least three car insurance quotes online or from an agent so you can evaluate whether you’re getting a good price for the coverage you want.
  3. Understand coverage limits. When comparing quotes, check that each policy has comparable liability limits and deductibles.

 

How much should my car insurance be?

Because car insurance quotes can vary widely from person to person depending on your car, location and driving record, among other factors, we can’t predict the exact auto insurance quote you’ll receive, but our analyses determined these averages.

National average car insurance rates for minimum required coverage are:

  • $561 per year for a 35-year-old with good credit and a clean driving record.
  • $1,191 per year for a 20-year-old with good credit and a clean driving record.

Full coverage can cost more than double the price of minimum coverage insurance. Rates shown for full coverage include liability coverage, uninsured motorist protection, comprehensive and collision insurance.

Here are national average car insurance rates for full coverage:

  • $1,630 per year for a 35-year-old with good credit and a clean record.
  • $3,325 per year for a 20-year-old with good credit and a clean record.

Average auto insurance costs for a 35-year-old driver

Driver profile Full coverage Minimum coverage
Good driver with good credit $1,630 $561
Good driver with bad credit $2,792 $973
One at-fault accident $2,462 $862
One speeding ticket $2,043 $710
One DUI $3,139 $1,134

The above table shows average full coverage insurance rates for drivers with good credit unless otherwise specified.

How to get the cheapest car insurance quote possible

Regularly shopping around for car insurance quotes is the only way to find the best policy and cheapest auto insurance for you. Even if you have a clean record and are happy with your insurance company, you might find a better deal elsewhere.

Still, your current insurance company may end up being your cheapest option. The only way to know is to compare car insurance rates.

Besides shopping around (at least once a year), you can try these other strategies to keep your premium down:

  • Work on your credit. Another reason to pay your bills on time? Our car insurance rates analysis found that drivers with poor credit and a good driving record pay almost as much for car insurance as a driver with a DUI.
  • Shop for insurance before buying a car. Insurers will charge you more (or less) depending on the type of car you drive. A recent NerdWallet study found that the cheapest cars to insure include the Subaru Outback and Forester and the Honda CR-V.
  • Drive cautiously. Car insurance is almost always expensive for drivers with a history of car accidents, speeding tickets, DUIs or other violations in the past three to five years.
  • Look for discounts. You can save on your car insurance if you own a home, take a driver’s safety course or belong to certain organizations.
  • Raise your deductibles. Opting to pay more out of pocket if you file a collision or comprehensive claim will help reduce your monthly premium.

Frequently asked questions

What is the average car insurance quote?

According to NerdWallet’s rate analysis, the national average cost of car insurance is $1,630 per year for good drivers with good credit. However, any auto insurance quotes you get will be specific to you.

How do I get free car insurance quotes?

Most insurance companies offer free car insurance quotes through their website, on the phone or in person with an agent. You can also use an online car insurance comparison tool to see rates from multiple companies at once.

Does getting a car insurance quote affect credit?

Shopping around for car insurance quotes online will not affect your credit score. Having a low credit score will generally increase your car insurance quote in all states except California, Hawaii, Massachusetts and Michigan.

Can you get an auto insurance quote before buying a car?

You can — and should — get a free car insurance quote before purchasing a vehicle. Auto insurance is an important aspect to consider when budgeting for a new or used car.

Why are my car insurance quotes so high?

If you have a history of car accidents, speeding tickets or DUIs, your auto insurance quote will be higher than for a driver with a clean record. Similarly, if you own a luxury vehicle, live in a high-crime area or have poor credit, your car insurance quotes might be higher than average.

What insurance companies provide the cheapest quotes?

Where you find modest vehicle protection statements will vary from one individual to another in view of your driving history, individual qualities and different variables. NerdWallet’s collision protection examination of the least expensive vehicle insurance agency found that among the biggest safety net providers, Geico had the least expensive vehicle protection quotes with a normal of $1,233 per year. From one side of the country to the other and State Farm offered the following least expensive collision protection rates, individually.

While USAA had less expensive accident coverage quotes than cross country generally, it was not positioned in light of the fact that the organization offers protection just to dynamic military individuals, veterans and their families.