Compare car insurance online in November 2022 – Bankrate.com

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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Bankrate’s licensed insurance agents walk you through comparing car insurance quotes with this comprehensive, step-by-step guide.
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Bankrate’s insurance editorial team includes four licensed property and casualty agents with almost 50 years of combined industry experience. We’ve written thousands of policies for drivers across the United States, so we know first-hand what you can do to compare car insurance quotes efficiently and accurately (and how you might find the lowest premiums, too).
To assist you in your search, we’ve compiled this guide with information geared toward drivers of all types. Whether you have a clean record or an accident, have excellent credit or are working towards it, our insider knowledge, coupled with proprietary rate data provided by Quadrant Information Services, should serve as a valuable touchstone for shoppers comparing car insurance quotes.  
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It may be more crucial than ever to ensure you have the right amount of car insurance. With record inflation potentially leaving drivers underinsured and an estimated 12.6% of all drivers driving without insurance, getting into an accident could quickly cause your out-of-pocket costs to skyrocket.
Although “rate” and “premium” are often used interchangeably to refer to the cost of a car insurance policy for a customer, they are not quite the same. A car insurance rate is a unit of cost that an insurance company calculates based on individual rating factors, such as driving record and location, to determine a driver’s risk and the cost of insuring them.
After determining a driver’s rate, car insurance companies also consider a driver’s selected coverage options and limits to calculate the estimated premium. The premium is what a customer would pay for coverage during the policy term, which is usually six or 12 months.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Age is another component that insurers typically use to calculate car insurance rates. When analyzing premiums of car insurance by age, young drivers under the age of 25 typically face more expensive premiums compared to adults. This is seen in the rate tables below for drivers ranging from 16 to 70 years old. The difference in premium is driven largely in part to their lack of experience compared to older drivers, which may result in more dangerous driving behaviors. Hawaii and Masssachusetts do not allow insurers to use age as a rating factor. Bankrate has compiled age-related data from several carriers based on 2022 rates pulled from Quadrant Information Services to give you an idea of how much you might pay at different points in your life.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates were calculated by evaluating our 2022 base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Rates for 18-year-olds are based on a driver of this age that is a renter (not a homeowner) and on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teen drivers are inexperienced, which can lead to a greater likelihood of accidents. In fact, the Centers for Disease Control and Prevention (CDC) reports that teens have a higher crash rate than any other age group. Because of this, teens typically cost more to insure than older drivers. Bankrate found that, depending on your teen’s age, major insurers like Geico, Nationwide and USAA tend to have lower average rates.
When getting quotes, car insurance companies will ask the age of every licensed driver that will be listed on the policy. This is important information to help insurers assess your household’s risk. Even adult motorists who recently got their driver’s license are inexperienced on the road, which can result in higher premiums for several years. If you have a teen who has a learner’s permit and is about to get their driver’s license, including them in your quote as a licensed driver may help you understand what your policy will actually cost once they get their license. This will help you avoid surprises about the policy’s cost later down the road.

*17-year-old rate reflects the added cost of a teen on their parents’ full coverage policy.
*18-year-old rate reflects the cost of being on their own separate policy.
*19-year-old rate reflects the cost of being on their own separate policy.
Drivers in their 20s will begin to see their premiums decrease, especially after age 25. Keep in mind that drivers in their early 20s will still see high average rates for full coverage car insurance if they own their own vehicle and are on their own car insurance policy as auto insurers consider them higher risk compared to older adults.

*20-year-old rate reflects the cost of being on their own separate policy. 25-year-old driver rates reflect renters with a multiple policy discount.
Drivers in their 30s will enjoy fairly low average annual full coverage car insurance premiums by age, as long as they maintain a clean driving record.

Drivers in their 40s with a clean driving record will see even lower average full coverage car insurance rates than their counterparts in their 30s.

Drivers in their 50s with a clean driving record and, in most states, good credit, typically enjoy the lowest average full coverage car insurance rates of any age group. This group statistically presents the lowest risk for insurers.

Senior drivers, typically defined as age 60 and older, may see their car insurance rates begin to creep back up, although some insurers don’t begin to adjust rates until you reach age 70. That is because senior drivers statistically are at greater risk of being in an accident. Aging-related health factors, like decreased eyesight, can impair a driver and increase the risk of accidents. Based on our analysis, older adults may want to consider getting quotes from USAA, Erie and Auto-Owners for low-cost coverage as these carriers offer favorable rates for senior drivers.

Keeping a clean motor vehicle record (MVR) is one of the best ways to avoid premium increases on your car insurance policy. Because car insurance rates are based on risk, high-risk drivers generally pay more for coverage and may have trouble obtaining coverage from standard auto insurers. Insurers will review the driving history of all drivers on the policy by obtaining MVR and Comprehensive Loss Underwriting Exchange (CLUE) reports (which provides your auto claims history) so providing this information upfront will help ensure you receive an accurate quote.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. The above quoted average annual premiums for full and minimum coverage are calculated by evaluating our 2022 base profile with the following incidents applied: clean driving record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Speeding tickets are relatively common, but they can still be an indication of high-risk driver behavior. As such, a speeding ticket on your MVR increases average premiums by about 21% per year. On top of the increased insurance costs, you may need to pay fines and even license and/or vehicle registration reinstatement fees, depending on the severity of your infraction.
Speeding tickets can significantly affect your quotes. If your ticket has not been processed, meaning it is not yet listed on your MVR, your rate will be affected once that ticket is added to your driving record. A car insurance company may notice the change and charge more for a moving violation if your MVR is re-pulled, which usually happens at your policy’s renewal. On the other hand, when tickets reach a certain age (time period varies by state and auto insurer, but typically ranges from three to 10 years), they may “fall off” your record. This means that the insurance carrier is no longer adding a surcharge for them, which can positively affect your rates and may be a good time to shop your coverage with other carriers.

Accidents on your MVR will typically increase your premiums. If you have caused one or more at-fault accidents, car insurance companies may view you as more likely to cause an accident again in the future and so your rates are raised accordingly.
The table below shows average rates before and after an at-fault accident from several major car insurance companies. On average, rates increase 42% annually after an at-fault accident. It is important to note that even if you have accident forgiveness with your current insurer (meaning they won’t raise your rate because of an at-fault accident), that accident will likely affect your quoted rates with other insurers, as it is included on your MVR. Accident forgiveness does not transfer between carriers and has to be earned or purchased with new providers.

DUIs are among the most serious offenses that a driver can commit and come with an average annual premium increase of 93%, as well as the potential of a suspended license and registration, numerous fines and other penalties based on your state’s regulations. They can also stay on your driving record for life in some states. Finding car insurance with a DUI on your MVR may be much more difficult than it is with a clean driving record, as not all insurance companies will agree to insure such risky drivers.

In most states, your credit tier will affect your car insurance premium. Generally, drivers with lower credit-based insurance scores tend to file more claims and are thus viewed as a higher risk by carriers. California, Hawaii, Massachusetts and Michigan ban or restrict the use of credit as an auto insurance rating factor. Please note that Bankrate’s overall average rates for a 40-year-old reflect a driver with a credit score in the ‘good’ range, so average rates for drivers with good credit are not highlighted here.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. These 2022 rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or restrict insurers from using credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
One of the biggest premium rating factors for auto insurance is the type of vehicle you drive. Your vehicle’s make and model can impact everything from safety features to repair costs. The table below shows the average annual full coverage premiums for vehicles best suited to a broad range of lifestyles and budgets. On your quote, you may notice that your vehicle type affects your coverage costs. For example, collision and comprehensive costs may be higher on a vehicle with more expensive replacement parts than on a vehicle that has cheaper and more readily-available parts.
The price of medical coverage may be partly based on the vehicle’s safety features, which help protect you and any passengers in your vehicle. If you are shopping for a new vehicle, you may want to obtain quotes for each vehicle you consider purchasing, as they will have different rates.

Before you start the process of looking for car insurance, take some time to consider what’s most important to you. Maybe you’ve outfitted your car with aftermarket parts and other customizations, and need specific coverage for this. Or maybe you have a child who’s about to become a new driver and need competitive rates.
Whether you’re looking for endless coverage options or just basic coverage, understanding what you want will help guide you towards carriers that most closely fit those needs. Once you’re ready to get started, here’s how you can streamline the process:
When you quote car insurance online or over the phone, you’ll likely share the same personal information. To streamline to process, be sure to have the following available:
After you provide your personal and vehicle information, the company will ask you what coverage types you would like to include in your quote. When selecting your level of coverage, your individual needs and financial goals will dictate what coverage package is best for you. For instance, if you are leasing your vehicle, you will probably have to carry liability limits higher than your state’s required minimum limits. Or, you may be a high-risk driver with an SR-22 requirement. Regardless of your selections, you may want to ask for similar coverage options on each quote to ensure you are conducting an apples-to-apples comparison.
After you’ve shared your information with the insurance company, you will receive back a proposal of coverage, or quote. This document gives an estimate of how much an insurance policy would cost with that carrier, and includes any discounts you may be eligible for. When you receive quotes back, be sure that the coverage options and limits are exactly the same. This will help ensure you’re comparing carriers accurately. 
There are numerous insurance carriers on the market, which can make it difficult to choose from. Some are national carriers available in every state, while others are regional and only available to a select few states. Many third-party agencies, like AM Best and J.D. Power, regularly evaluate insurance carriers for financial strength, claims satisfaction and more. To help inform your decision, you can also rely on our Bankrate Scores, which look at a wide variety of criteria ranging from mobile app accessibility, customer service, availability, coverage options and more to help you learn more about an insurance carrier.
While getting more than one insurance quote is helpful, at some point, it may be information overload. It can also be time-consuming to keep requesting car insurance quotes, which can happen if you’re not strategic about which companies to quote from. Start with three carriers that you feel could most closely meet your needs, and then consider more if these options don’t work for you.
The answer to this question starts with understanding your own car insurance needs and priorities. Quality customer service, affordable rates or even optional coverage choices might be factors that are important to you. Not every insurance carrier can meet every need, so your priorities can help you narrow down the options to the insurance companies that best fit what you’re looking for. Before obtaining quotes, it may benefit you to speak to insurance agents, friends or family who may be able to help you gauge which insurance company you want to move forward with.
Bankrate has been a trusted source of guidance since its inception in 1976 as the Bank Rate Monitor, a print publisher for the banking industry. Today, Bankrate helps millions of readers every month make informed financial decisions regarding insurance, mortgages, credit cards, loans and more. Additionally, our editorial integrity is of utmost importance — we vet our sources for accuracy and authority and utilize proprietary rate data provided by Quadrant Information Services. We are licensed agents, and our insurance editorial staff is committed to bringing you accurate, valuable, real-world information that you can use to compare auto insurance rates with confidence. 
Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.
Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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