Compare Car Insurance Rates All in One Place (September 2025)
Get real-time car insurance quotes with no risk of spam and no fees.
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Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
Insurify is a licensed insurance agency in all 50 states and Washington, D.C., and partners with top companies like Allstate, GEICO, Liberty Mutual, and Progressive.
Comparing car insurance quotes when your policy is ready to renew can save you about 30%.
Even if you’re happy with your current car insurance and premium, comparing is still a good idea, especially if you’ve experienced recent life changes like getting married or adding another driver to your policy.
Insurify’s team of expert insurance editors and data analysts examined the average monthly rates of every major national and regional insurance company for every state and different driver profiles. This article will help you better understand how to compare car insurance quotes to find the best policy for your needs at the best price available to you.
How to compare car insurance rates without getting spammed
Using a car insurance comparison site takes a lot of hard work off your plate. You can get quotes from multiple insurance companies without having to re-enter your information again and again.
But not all “comparison” sites will give you the same results. Lead-generation sites look like comparison websites, but they’re really just gathering your personal information to sell to their marketing partners. Instead of multiple quotes, you’ll likely see none at all. Instead, you could get unwanted calls and emails — including ones from companies that have nothing to do with insurance.
A true comparison site like Insurify will be clear about its data and privacy policies, and will tell you up front that it’ll protect you from spam.
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*Rates shown are actual quotes served to an Insurify customer.
How Insurify works
Insurify gives you real-time quotes from top national and regional insurance companies. We’re a licensed digital insurance agency in all 50 states and the District of Columbia. We never sell your information, so you don’t have to worry about getting spammed with unwanted phone calls or emails.
Our process is easy, and we can deliver your personalized quotes in minutes.
Get prequalified. Answer a few simple questions to help us understand your driver profile and insurance needs.
Compare real-time quotes. Our proprietary technology analyzes your information to deliver multiple personalized, highly accurate, real-time quotes from top insurers.
Close on a policy in minutes. Buy your insurance policy entirely online through our website or app, or talk to one of our agents to bind your policy in minutes.
Why it’s important to compare car insurance
Multiple factors affect your car insurance rate, including your age, location, driving record, level of education, and the kind of car you drive. Each insurance company weighs these factors differently, so similar drivers may get very different prices for the same coverage types and limits.
The premium can vary by hundreds of dollars, depending on the insurance company. For example, young drivers typically pay more for car insurance than other age groups.
Car insurance rates also vary widely by insurer — even for the same type of driver. For example, full-coverage insurance from State Farm averages $110 per month, while the same coverage from Liberty Mutual costs about $234. But Auto-Owners offers full coverage for just $74 per month.
It’s a good idea to compare personalized quotes every six months, as the marketplace changes quickly. Be sure that all the quotes have the same types of coverage for an apples-to-apples comparison. Here’s a look at average monthly rates from top companies Insurify partners with.
Everyone wants to find reliable car insurance coverage at the cheapest rate. But the quality, reputation, and financial strength of the insurance company are also important in the event of a claim. The Insurify Quality Score evaluates insurance companies on these factors, as well as price.
Three ways to compare car insurance quotes
You have multiple options for comparing car insurance rates. You can turn to a digital agency, a comparison site, a lead-generation website, or work directly with insurance companies. Each option has advantages and disadvantages.
Here’s how Insurify’s digital agency stacks up to other comparison-shopping platforms and buying directly from car insurance companies.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Don’t take our word for it
What you need to compare car insurance
To provide you with the most accurate quotes, we need some basic information, including your:
Name
Driver’s license
Age
Gender
Driving record
ZIP code
Make and model of your vehicle
You’ll also need to tell us the level of coverage you want — liability only or full coverage — your policy limits, and desired deductible. You can get most of this info from your existing car insurance documents, like a declarations page, or your insurance ID cards.
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How to get the best value in car insurance
Insurance companies set premiums, but you’re still in the driver’s seat when it comes to the auto insurance rates you qualify for. Let’s look at steps you can take to get the best coverage at the lowest rates available to you. We’ll also break down the effort and potential savings for each step.
Liability-only coverage vs. full coverage
Generally, auto insurers offer two main coverage types: liability-only (often called minimum coverage) or full-coverage car insurance.
Liability-only coverage
Good for: Drivers with older, paid-off vehicles
Every state except New Hampshire requires drivers to have at least a minimum amount of liability insurance. Liability coverage pays for property damage or bodily injury to others that you caused in an at-fault accident. It doesn’t pay to repair or replace your own car after an accident you caused.
Minimum coverage car insurance may make sense if you drive an older, paid-off vehicle, or if the cost to repair or replace your vehicle wouldn’t justify the expense of full-coverage car insurance.
Full coverage
Good for: Drivers who need or want to protect their own vehicles
Full-coverage policies are the best option for new cars or high-value vehicles, which would cost a lot to repair or replace. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage to protect its investment in your vehicle.
Full-coverage car insurance includes liability coverage for at least your state’s required minimum, plus collision and comprehensive coverages for your vehicle. Collision coverage pays for damage to your vehicle if you hit another vehicle or an object like a tree, light pole, or road sign. Comprehensive coverage pays for damage from non-collision events, such as vandalism, falling objects, fire, hail, or wind, and pays you the cash value of your car if someone steals it.
Optional coverages
Most insurance companies also offer optional coverages. Depending on your state requirements, financial situation, or personal preferences, you may consider adding one or more of these coverages to your policy:
Uninsured/underinsured motorist coverage: UI/UIM coverage can pay if an uninsured or underinsured driver causes damage to your vehicle or injures you or your passengers.
Medical payments coverage: Also known as MedPay, medical payments coverage pays medical bills for you and your passengers, without any required deductible or copay — up to your coverage limits.
Personal injury protection: Personal injury protection (PIP) covers your medical bills and can also pay for non-medical expenses, like loss of wages if you can’t work because of accident-related injuries.
Gap insurance: Also called guaranteed asset protection, gap coverage can help pay off your car loan or lease if your vehicle is totaled and the insurance payout is less than your loan or lease balance.
Best car insurance companies in 2025
The best car insurance company for you depends on your needs and budget. Affordability strongly factors into Insurify’s analysis, but our editors also looked at company complaint information, customer satisfaction rates, financial strength, and availability.
Best insurer overall for car insurance: State Farm
Best insurer for discount seekers: American Family
Best insurer for drivers with an incident: GEICO
Factors that affect your car insurance rates
Figuring out car insurance rates isn’t straightforward — many factors unique to you play a role. These are some factors that affect your car insurance rates:
Credit history
Driving record
Insurance history
Age and gender
Miles driven
Location
Marital status
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The average annual cost of car insurance
Car insurance rates can vary for a number of reasons, but comparing your rate to averages at the national and state levels could help you understand how much you might pay. Currently, the national average cost for full-coverage car insurance is $182 per month; liability coverage averages $103 per month.
Insurify data shows that car insurance rates increased 15% in 2024. Our analysts predict drivers will see rates climb another 5% in 2025.
Check out our latest car insurance report for more insight into how car insurance rates are changing.
Comparing auto insurance quotes FAQs
To help you navigate the twists and turns of comparing car insurance, check out the additional information below.
How much does car insurance cost?
The national averages for full-coverage and liability-only car insurance are $182 and $103 per month, respectively. But factors like age, gender, driving history, credit, and vehicle affect average car insurance costs. Your rates may be lower or higher than average based on your driver profile.
Does comparing car insurance affect your credit?
No, comparing auto insurance quotes doesn’t affect your credit score. Insurance companies typically do a “soft pull” to check your credit history, and they use that information to generate your credit-based insurance score. Soft inquiries don’t affect your score. Learn more about car insurance and credit.
How do you compare car insurance rates without risk of spam?
To avoid spam, compare car insurance rates on a quote-comparison site or car insurance search engine. These sites partner with insurance companies to provide you with real-time, highly accurate quotes. Avoid lead-generation sites, which gather your personal information and sell it to their partners — many of whom might not be insurance companies or agents. Learn more about how to compare car insurance quotes.
How does Insurify work?
Insurify is an online marketplace licensed to sell car insurance in all 50 states and Washington, D.C. We use proprietary technology to provide real-time quotes pulled from insurance companies’ own quoting engines. We use the information you provide to show you quotes as close as possible to the numbers insurers would quote you.
How does Insurify make money?
Insurify earns money through commissions, just like a car insurance agent does. If you buy a policy based on one of the quotes we show you, the insurer pays us a commission. You’ll never pay to use Insurify to compare quotes, and we’ll never sell your personal information to third parties.
Which company has the cheapest car insurance?
Based on Insurify data, COUNTRY Financial, Auto-Owners, and USAA offer the lowest average rates nationally. But since location is an important rating factor, your rates may vary from the national averages based, in part, on the state where you live.
How do you switch car insurance?
Switching car insurance companies may seem like a daunting task, but it can be easier than switching banks. You’ll need to decide what coverage you need, what limits and deductibles you want, and then compare quotes from multiple insurers.
Once you find a policy you want, be sure to secure the coverage — “binding” in insurance talk — before you cancel your old policy. It’s important to avoid a gap in coverage, which can raise your rates in the future, so you want your old policy to end the same day your new one begins.
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