Free auto insurance estimator — compare estimated rates by state, age, credit score, and coverage level across 6 major carriers.
Insurance is often the forgotten cost of car ownership. Estimate your premiums before you buy to factor them into your total budget.
Don't just look at the car payment — insurance on a sports car or luxury SUV can be $200-$400/month and bust your budget.
Smart car buyers factor insurance costs into their purchase decision. The cheapest car to buy is not always the cheapest to insure and own.
Key Features & Benefits
- 6 Carrier Comparison — Compare estimated rates from State Farm, GEICO, Progressive, Allstate, USAA, and Nationwide side by side.
- Coverage Levels — Compare full coverage vs liability only — see the cost difference and what each level protects against.
- State-Specific Rates — Insurance costs vary dramatically by state — see average rates for your state and how they compare nationally.
- Factor Analysis — See how age, credit score, driving record, vehicle type, and coverage level affect your premium.
Frequently Asked Questions
How much does car insurance cost per month?
The national average is about $170/month for full coverage and $55/month for liability-only. However, costs vary dramatically by state ($80-$300+), age, driving record, vehicle type, and credit score.
What's the difference between full coverage and liability?
Liability covers damage you cause to others. Full coverage adds comprehensive (theft, weather, animals) and collision (your car in an accident). If you're financing, your lender requires full coverage.
How can I lower my car insurance premium?
Bundle home and auto, raise your deductible, maintain a clean driving record, ask about discounts (military, student, multi-car), improve your credit score, and shop around annually. Switching carriers saves an average of $400/year.
Does the type of car affect insurance cost?
Significantly. Sports cars, luxury vehicles, and high-theft models cost 30-100% more to insure than average sedans. The most affordable vehicles to insure are typically midsize sedans and small SUVs with top safety ratings and low repair costs.
How often should I shop for car insurance?
At least once a year, and after any major life change such as moving, marriage, credit improvement, or adding drivers. Insurance companies constantly adjust rates, and your current carrier may no longer offer the best price. Switching saves an average of $400-$700 annually.