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Compare car insurance quotes

How to compare free online car insurance quotes

Compare car insurance quotes in 10 minutes

Enter your zip code to see how much you can save.

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(Psssst! Roost partners with Insurify and over 200 insurance companies to help find you the best quote. And, your state’s minimum car insurance requirements are pre-loaded into the options. Check it out!)

How to compare car insurance quotes

1. Gather your information

Before you compare car insurance quotes, you’ll need to gather essential info, including details about your car and you.

  • Vehicle details – Mileage, date of purchase, VIN (Vehicle Identification Number). If you are thinking about purchasing a car, snag the make, model, year, and mileage.
  • Personal information – Address, date of birth, drivers license, marital status and occupation
  • Driving history – Violations, tickets and completed driving courses

2. Choose your level of car insurance

How much car insurance do you need to protect you, your passengers, and your car? There are three primary types of coverage offered by most car insurance providers: liability, collision, and comprehensive.

Liability. Liability insurance covers damage and costs you caused to another person or their vehicle due to an accident, like medical expenses or auto-repairs. Typically, auto insurance providers talk about liability coverage in terms of “250/500/250”. This means:

  • $250,000 of coverage for bodily injury (per person)
  • $500,000 of coverage for bodily injury (per accident)
  • $250,000 of coverage for property damage (per accident)

Collision coverage. No matter who is at fault, collision coverage pays to repair or replace your car if you’re in an accident with another vehicle or you run into something.

Comprehensive coverage. Whether it’s theft or damage from a fire, a storm, a natural disaster, or even a limb falling on your car, comprehensive coverage will pay to replace or repair your car as long as the damage isn’t due to a collision.

Extended coverage. Include medical expense coverage, personal injury protection, guaranteed auto protection, and uninsured motorist. 

3. Compare online auto insurance quotes

Car insurance is a highly competitive and fluid market, so make sure to get quotes from at least two or three companies. Make sure you’re comparing the same details from each provider:

4. Ask for personalized driver discounts

It never hurts to ask for a deal. Or discounts. And most companies offer them. Check out our comprehensive list of car insurance premium discounts to review and request. 

Compare car insurance quotes in 10 minutes

Enter your zip code to see how much you can save.

Powered by:
(Psssst! Roost partners with Insurify and over 200 insurance companies to help find you the best quote. And, your state’s minimum car insurance requirements are pre-loaded into the options. Check it out!)

(Psssst! Roost partners with Insurify and over 200 insurance companies to help find you the best quote. And, your state’s minimum car insurance requirements are pre-loaded into the options. Check it out!)

Factors that influence your car insurance quote

Auto insurance companies assess several risk factors to price policies. This helps them determine how likely you are to file a claim.

Where you live

Where you live and drive influences your car insurance premium because it indicates risks related to crime, population density, and weather patterns.

Driving record

No surprise here — safe drivers are rewarded with a lower insurance premium. Avoid speeding and stay out of accidents, and you’ll save 5% or more on your premium. Most companies will further reduce your rate every time you go three years without a traffic violation.  

Your car

The car you drive makes a big difference in your auto insurance premium. The make and model indicate your likelihood of accidents, theft, and claims. Even the average cost of repairs and safety test results are calculated. 

Age

Generally speaking, car insurance gets cheaper the older you get and the more experience you have until you’re over 70. 

Average monthly car insurance rates by age

Source: Insurify

Your home

Bad news for renters — car insurance premiums are more expensive for individuals who rent than those who own homes. Statistically, renters are more accident-prone (dang it!). 

Marital status

Singles pay more. Research shows you have fewer car accidents if you are married. Car insurance quotes presented to married drivers on Insurify were about $14 less than those for single drivers. 

Average monthly car insurance rates by state

Even if you have a clean driving record, your auto insurance rates can increase depending on where you live.  Here’s a table of average monthly car insurance by state. 

StateMonthly premiumAnnual premium
Alabama car insurance$51$612
Alaska car insurance$36$432
Arizona car insurance$67$804
California car insurance$86$1,032
Colorado car insurance$60$720
Connecticut car insurance$91$1,092
Delaware car insurance$85$1,020
DC car insurance$75$900
Florida car insurance$130$1,560
Georgia car insurance$72$864
Hawaii car insurance$55$660
Idaho car insurance$41$492
Illinois car insurance$58$696
Indiana car insurance$38$456
Iowa car insurance$32$384
Kansas car insurance$52$624
Kentucky car insurance$105$1,260
Louisiana car insurance$115$1,380
Maine car insurance$42$504
Maryland car insurance$82$984
Massachusetts car insurance$73$876
Michigan car insurance$225$2,700
Minnesota car insurance$83$996
Mississippi car insurance$52$624
Missouri car insurance$62$744
Montana car insurance$49$588
Nebraska car insurance$41$492
Nevada car insurance$101$1,212
New Hampshire car insurance$42$504
New Jersey car insurance$109$1,308
New Mexico car insurance$57$684
New York car insurance$94$1,128
North Carolina car insurance$57$684
North Dakota car insurance$37$444
Ohio car insurance$43$516
Oklahoma car insurance$58$696
Oregon car insurance$76$912
Pennsylvania car insurance$49$588
Rhode Island car insurance$114$1,368
South Carolina car insurance$61$732
South Dakota car insurance$28$336
Tennessee car insurance$52$624
Texas car insurance$66$792
Utah car insurance$80$960
Vermont car insurance$37$444
Virginia car insurance$46$552
Washington car insurance$58$696
West Virginia car insurance$50$600
Wisconsin car insurance$43$516
Wyoming car insurance$28$336
National average renters insurance$67$803
Source: Insurify 2019

Compare car insurance quotes from top insurance providers

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Compare car insurance quotes in 10 minutes

Enter your zip code to see how much you can save.

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(Psssst! Roost partners with Insurify and over 200 insurance companies to help find you the best quote. And, your state’s minimum car insurance requirements are pre-loaded into the options. Check it out!)

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A quick note! Our goal is to gather and share info that’s up-to-date and helps you make great decisions as a renter. That said, the information you get directly from a provider could be a little different. Make sure to review their terms and conditions directly; and, if you see anything here that needs to be updated, please let us know! Advertising disclosure
Last Updated: October 23rd, 2020