Compare Car Insurance Rates All in One Place (August 2025)
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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.
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Get prequalified. Answer a few simple questions to help us understand your driver profile and insurance needs.
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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 $237. But Auto-Owners offers full coverage for just $72 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.
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.
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.
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.
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.
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
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
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 $184 per month; liability coverage averages $104 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.