Compare Vehicle Insurance Quotes

Compare Vehicle Insurance Quotes (2024 Rates)

As a car owner, auto insurance is something you can’t do without. In some situations, you might leave home in the morning with your car in good shape, only to get involved in a car accident.

Just imagine that you don’t have vehicle insurance; the bills for fixing the car will definitely be on you. Nobody wants to incur unexpected expenses.

With car insurance rates skyrocketing, finding a cheap policy feels like climbing Mount Everest in flip-flops.

Are you tired of paying heavily for your car insurance? Stop the madness! Take a few minutes to compare vehicle insurance quotes from different companies. It’s simple, quick, and could help you save hundreds of dollars every year.

Compare Vehicle Insurance Rates in 2024

Don’t settle for the first price you see! You should compare vehicle insurance quotes from several companies to get the best deal. This is exactly what I tell people who are looking for the best car insurance rates.

We will compare auto insurance premiums based on the following categories:

  • Insurance company
  • State or location of the driver 
  • Type of vehicle
  • Gender and age of the driver
  • Credit score of the driver
  • Drivers who have a DUI (Driving Under the Influence)
  • At-fault accident
  • Speeding ticket
  • For seniors
  • Teenage drivers

Compare Vehicle Insurance Rates Based on Company

All vehicle insurance companies in the United States and globally in general don’t have the same rates. Their rates are often different. Some companies have higher rates, while others have lower rates. This is why I often advise people to not settle from the first quote from a company. Shop around from other companies and find out their rates.

Here is a list of the top insurance companies in the United States and the national average rates for drivers who have perfect driving habits:

Insurance CompanyYearly average national rates for safe drivers
State Farm$1,959
American Family$2,176
Safe Auto$2,647
Comparing car insurance quotes by insurance companies in the US
*USAA exclusively serves members of the military and veterans, alongside their families

Compare vehicle insurance rates by state

The insurance rates in all the states are not the same. Some states have lower rates, while others have higher rates. The rate differences are influenced by factors such as the population density, the crime rates, and many more.

See also  How to Buy Auto Insurance Online

Here are the average national car insurance rates by state:

StateYearly average national rates for safe drivers
District of Columbia$1,574
New Hampshire$1,411
New Jersey$2,240
New Mexico$2,104
New York$4,769
North Carolina$1,307
North Dakota$1,307
Rhode Island$2,715
South Carolina$2,387
South Dakota$1,821
West Virginia$1,688
Comparing vehicle insurance rates by state

Compare vehicle insurance rates by the type of car

The type of car you drive can greatly impact your insurance rates. Some cars are high-risk, medium-risk, and high-risk. When you are shopping for a car insurance, it’s essential to know the category to which the car belongs before making the purchase. Unless you have more than enough money to spend on insurance.

Here is a comprehensive list of average vehicle insurance rates for famous cars.

Least Expensive Cars to Insure

The cars that are least expensive, cheap to repair or replace their parts, and less likely to get into an accident are considered the least expensive to insure. These cars are least targeted for theft.

Below is the list of least expensive vehicles to insure and their average national rates per year:

VehicleYearly average national rates
Honda CR-V LX$1,574
Jeep Wrangler JL Sport$1,585
Subaru Crosstrek$1,606
Subaru Forester 2.51$1,613
Hyundai Tucson SE$1,637
Jeep Compass Latitude$1,645
Chevrolet Equinox L$1,661
Ford Escape S$1,663
Volkswagen Tiguan SE$1,663
Ford F-150 XL$1,675
Chevrolet Trax LS$1,680
Toyota Tacoma SR$1,688
Toyota RAV4 LE$1,704
Kia Sportage EX$1,705
Dodge Grand Caravan SE$1,713
Ford Edge SE$1,722
Mazda CX-5 Grand Touring$1,729
Chevrolet Traverse LS$1,733
Chevrolet Colorado$1733
Ford Ranger Lariat$1,748
Toyota Highlander LE$1,757
Nissan Rogue S$1,758
Honda Pilot SE$1,762
GMC Canyon All Terrain$1,777
Subaru Outback 2.41 Limited XT$1,789
Vehicle insurance quotes by least expensive cars to insure

Medium Expensive Cars to Insure

These cars are between the least and most expensive to insure. Their body parts are not too expensive to repair and replace, and they are not too targeted for theft.

Below is a list of the medium-expensive vehicles to insure and their average national rates per year:

VehicleYearly average national rates
Jeep Cherokee Limited$1,809
Chevrolet Blazer 2LT$1,811
Chevrolet Silverado 1500 WT$1,813
Toyota Tundra SR$1,818
Volkswagen Jetta SE$1,833
Honda Civic EX$1,838
Toyota 4Runner Limited$1,848
GMC Sierra 1500$1,851
Ford Fusion SE$1,865
Chevrolet Malibu L$1,882
Chevrolet Tahoe LS$1,883
Chrysler Pacifica Limited$1,891
Toyota Camry LE$1,899
Hyundai Elantra SE$1,904
Toyota Corolla LE$1,909
Jeep Grand Cherokee Limited$1,913
Ford Explorer ST$1,944
Nissan Sentra S$1,957
Kia Forte EX$1,964
Kia Optima LX$1,987
Honda Accord EX-L$1,988
Auto insurance by medium expensive cars to insure

Most-Expensive Cars to Insure

Please avoid cars that are the most expensive to insure if your income is low. These cars are seen as high-risk because they are expensive to fix and their body parts are expensive to replace.

See also  What Happens if You Drive Without Insurance and Get Pulled Over in the United States?

Electric vehicles are examples of cars in this category. Below is a list of the most expensive vehicles to insure and their average national rates per year:

VehicleYearly average national rates
Lexus NX 300h$2,014
Dodge Ram 1500 Rebel$2,015
Lexus RX 350$2,105
Nissan Altima 2.0 S$2,130
Tesla Model 3 Standard Plus$2,447
Volvo XC90 T8 Inscription$2,456
Lexus ES 300H$2,485
Tesla Model S Performance$3,960
Vehicle insurance rates by most-expensive cars to insure

Car insurance rates by gender and age

The gender and age of the driver can affect car insurance rates. This is because, between the ages of 18 and 24, some drivers are inexperienced and prone to accidents. Due to their inexperienced, they will pay higher insurance premiums.

However, the rates of insurance will start going up at the ages 25 to 60 because they have enough experience on the road. This is the best age to enjoy auto insurance.

Furthermore, car insurance rates will start increasing again from the age of 65. This is due to old age and decline in some areas, like agility and sight.

AgeYearly average national rates for female driversYearly average national rates for male drivers
70$1,631$1, 696
Comparing car insurance rates by gender and age

In gender comparison, females are often more careful than males when driving. In fact, most males are reckless drivers. The more carefully a driver drives, the lower the insurance rates since there are fewer chances of accidents.

Compare vehicle insurance quotes by credit score

Your credit score is important when buying an auto insurance policy. Drivers with a good credit score will enjoy lower insurance rates compared to their counterparts with a poor credit score.

In most cases, drivers with a bad credit score pay almost double the amount of premiums as drivers with good a credit score.

CompanyYearly average national rates for drivers with good creditYearly average national rates for drivers with bad creditAverage premium increase for drivers with poor credit
Safe Auto$2,647$3,34526%
American Family$2,176$3,36054%
State Farm$1,959$5,051157%
Compare vehicle insurance quotes by credit score

Compare Vehicle Insurance Quotes by Drivers with DUI (Driving Under the Influence) History

Think twice before driving drunk; it’ll drain your wallet! We found DUIs make your car insurance skyrocket by an average of 70%. Let’s see how much DUI can increase your insurance rates with the major insurers.

CompanyYearly average national rates for good driversYearly average national rates after a DUIAverage rate increase after one DUI
American Family$2,176$2,98337%
State Farm$1,959$3,23565%
Safe Auto$2,647$3,87446%
Compare vehicle insurance quotes by drivers with DUI (Driving Under the Influence) history

Compare auto insurance rates for drivers with a history of at-fault accident

If you have ever caused a vehicle accident, then your auto insurance premium will definitely increase after the event. Let’s see how much the insurance rates for drivers will increase after causing a bodily injury through an at-fault accident.

See also  How to Appeal a car Insurance Claim Denial
CompanyYearly average national ratesYearly average rates with one at-fault accident that caused injury Average rate increase after one at-fault accident that caused injury
State Farm$1,959$2,55430%
American Family$2,176$2,81830%
Safe Auto$2,647$3,87446%
Compare auto insurance rates for drivers with a history of at-fault accident

Compare auto insurance premiums for drivers with speeding ticket

A speeding ticket is like a note from the police saying you were driving too fast, and now there’s a fine you will pay. The car insurance rates for drivers with speeding violations will increase. Let’s check out how car insurance quotes go up when you’ve got one speeding ticket.

CompanyYearly Average national ratesYearly average national rate after a speeding ticketAverage rate increase after a speeding ticket
State Farm$1,959$2,31120%
American Family$2,176$2,53617%
Safe Auto$2,647$3,36027%
Comparing auto insurance premiums for drivers with speeding ticket

Compare vehicle insurance rates for seniors

When an individual enters the senior age bracket, their insurance rates will start to go up. Since they are getting old, there is a limit to what they can do on the wheel.

CompanyYearly average auto insurance rates for seniorsYearly average rates for drivers aged 60Yearly average rates for drivers aged 70Yearly average rates for drivers aged 80
State Farm$1,672$1,551$1,603$1,863
American Family$2,011$1,722$1,856$2,456
Safe Auto$3,224$2,654$3,229$3,788
Compare vehicle insurance rates for seniors

Compare rates for adding a teenage driver to your car insurance

While you can’t avoid the expensive rates of auto insurance premiums for teenagers, it’s a smart move to compare quotes from different companies when you want to add a teenager to a parent’s car insurance coverage.

CompanyAverage increase in car insurance rate upon adding a teenage driver
American Family58%
State Farm73%

How to Compare Vehicle Insurance Quotes

The secret to getting the best deal on your policy is to compare car insurance rates. The steps for collecting quotes are pretty straightforward.

1. Gather Information

The first step is to start gathering your personal information and information about the car that you want to insure. These details include:

  • Driver profile: Collect details like your age, driving history (accidents, tickets), credit score, and annual mileage.
  • Vehicle information: Gather details like your car’s make, model, year, and safety features.
  • Current policy: If you already have insurance, understand your existing coverage levels and premiums.

2. Decide your car insurance needs

Determining the right amount of auto insurance is a crucial decision. Consider the following:

  • Liability coverage: This covers property damage and injuries caused to others in an accident.
  • Collision and comprehensive coverage: Protects your own car from damage due to accidents, theft, or natural disasters.
  • Additional coverage: Consider optional coverages like uninsured/underinsured motorist, medical payments, or rental car reimbursement.

3. Check coverage options and discounts

Make sure that the insurance companies you are getting quotes from offer you the right coverage and discounts you are eligible for. This will help you save money in the future. Consider the following:

  • Coverage level variations: Most companies offer different coverage levels within each type (e.g., basic, enhanced, and premium liability).
  • Discounts: Ask about potential discounts for good driving records, bundling policies, student status, low mileage, or safety features in your car.

4. Collect and compare car insurance quotes

Make sure to compare car insurance quotes with the same coverage to get a fair comparison. Get prices from a few insurers—we suggest at least three, but the more, the merrier if you’ve got the time. Consider the following:

  • Online Comparison Tools: Use online comparison tools that gather quotes from multiple insurers simultaneously.
  • Direct Contact: Contact individual insurance companies directly for quotes.
  • Agents and Brokers: Consult with insurance agents or brokers who can help you compare options and go through the process.

Types of Car Insurance Coverage

There are several types of car insurance coverage, including:

  • Liability Coverage: Liability insurance covers bodily injury and property damage for which you are at fault in an accident. It helps pay for the medical expenses, rehabilitation, and property repair costs of the other party involved.
  • Collision Coverage: A collision insurance policy pays for damage to your vehicle caused by a collision with another vehicle or object, regardless of who is at fault.
  • Comprehensive Coverage: A comprehensive insurance protects your vehicle from non-collision events such as theft, vandalism, natural disasters, or hitting an animal.
  • Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages. It can be split into two parts: uninsured motorist coverage (UM) and underinsured motorist coverage (UIM). In other words, this policy covers car accidents where the other driver has no insurance.
  • Personal Injury Protection (PIP): PIP covers medical expenses, lost wages, and other expenses for you and your passengers, regardless of who is at fault in an accident.
  • Rental Reimbursement: If your car is being repaired due to a covered claim, rental reimbursement coverage pays for the cost of renting a vehicle.

Getting Free Auto Insurance Quotes

You can get free auto insurance quotes online or in-person. To get free car insurance quotes, you can use:

  • Online Comparison Tools: Use websites or apps that provide insurance quote comparisons. Input your details, and you’ll receive multiple quotes to compare.
  • Insurance Company Websites: Visit the official websites of insurance companies and use their online tools to request quotes. Many companies offer free, instant auto insurance quotes.
  • Independent Agents: Contact independent insurance agents who represent multiple companies. They can provide quotes from various insurers to help you find the best deal.
  • Call Insurance Companies: Reach out directly to insurance companies via phone. Provide the necessary information, and they can give you a quote.
  • Local Agents: Visit local insurance agents or brokers in person. They can guide you through the process and provide quotes based on your needs.

Getting Cheap Vehicle Insurance Quotes

To get cheaper car insurance quotes, consider comparing rates from different providers, maintaining a good driving record, bundling insurance policies, and asking about available discounts. Boosting your deductible and maintaining a solid credit score can be key strategies to reduce your premiums.

What information is needed for car insurance quote

For a super smooth experience, and if you wish to get your policy right away, just have this info ready:

  • Personal information (name, address, date of birth)
  • Vehicle details (make, model, year)
  • Driving history (accidents, violations)
  • Current insurance information
  • Coverage preferences (limits, deductibles)
  • Vehicle identification number (VIN)
  • Mileage and usage details
  • Financial information (credit score)
  • Additional drivers on the policy

What factors affect your auto insurance rates?

Several factors influence car insurance quotes, including:

  • Driving Record: Accidents and violations can increase rates.
  • Age and Gender: Younger drivers and males may face higher premiums.
  • Vehicle Type: The make, model, and year of your car affect rates.
  • Location: Rates vary by geographic area and local crime rates.
  • Coverage Amounts: Higher coverage levels generally result in higher premiums.
  • Credit History: A good credit score may lead to lower rates.
  • Annual Mileage: More miles often means higher premiums.
  • Insurance History: Continuous coverage and a claims-free history can impact rates.
  • Discounts: Safe driving, bundling policies, and other discounts can lower costs.

How Often Should You Shop for Car Insurance?

You can shop for car insurance at least once a year. This is the bare minimum, like getting that annual check-up. Your life and driving habits can change, and rates shift, so an annual review ensures you’re still getting the best deal.

Bonus tip: December is often a good time to shop as insurers set rates for the next year. So, keep an eye out for deals around the holidays! Shopping around doesn’t have to be a hassle. Online comparison tools and independent agents can simplify the process.

Choosing the best car insurance company

Finding the best car insurance company isn’t just about picking the cheapest one; it’s a balancing act between price, coverage, and service. Here’s a roadmap to help you with the decision-making process:

  • Customer service ratings: Check if the insurance company is quick to respond when you need to file a car insurance claim or other assistance about your coverage.
  • Compliant: You can check out the National Association of Insurance Commissioners‘ (NAIC) official website to find out how many complaints and what kind of complaints have been thrown at a car insurer.
  • Company’s mobile app: Make sure the insurance company has a user-friendly mobile app for instant access to your car insurance dashboard. Also, give their website a look to make sure it is loaded with all the information you need.

Bottom Line: Compare Vehicle Insurance Rates

Comparing vehicle insurance quotes is like finding the perfect map for your financial journey. With the right coverage at the right price, you can cruise through any financial bumps on the road. So, don’t settle for the first signpost you see. 

Check out options, compare the costs, and steer yourself towards a policy that keeps you protected and your wallet happy. Remember, the best insurance isn’t just about price; it’s about peace of mind.

Save big on your car insurance! Compare quotes now for the best rates and exclusive deals. Your wallet will thank you.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *