Cheap Car Insurance Quotes Online (2020)
Getting multiple car insurance quotes is often the best way to find affordable rates. Depending on the auto insurer, you may receive policy quotes that differ by thousands of dollars.
To start comparing quotes online from insurers near you, select the best displayed list below, or read on for more tips on finding cheap auto insurance quotes near you.
- What a car insurance quote is
- Why you should get one
- How car insurance quotes actually work
- How to get free auto quotes online, quickly and easily
- Other ways to save on auto insurance
Finding cheap auto insurance quotes will not be difficult.
Asurego works with trusted best national carriers to help you find the cheap rate quickly, simply and easily — for free.
What is a car insurance quote?
- The estimated price of your auto insurance policy from a carrier, based on the personal information you provide
- A good predictor of your annual premium for any particular insurance company However, your final rate can change once your carrier receives all the necessary information from you, including your vehicle type, driving history and other factors.
Here are some of the best reasons to start comparing quotes now.
- Save money. Comparison shopping is one of the best ways to find the cheapest rates.
- It's free and easy. Get car insurance quotes in just a few minutes with no cost or hassle.
- Find an insurer you trust. We partner with the country's leading insurers, so you can be confident you'll be protected when it counts.
- Receive personalized service. Know that your online quote matches your unique driver profile and circumstances.
- Shop with confidence. Asurego respects your privacy, and we take extra precautions to ensure your information remains secure.
How do car insurance quotes work?
Many factors go into determining your car insurance quote. We break down a few of the variables that insurance companies use to estimate your quotes.
How age affects car insurance quotes
Age is one of the most important variables insurers use to price car insurance quotes.
For auto insurance companies, age indicates driving experience and risk. Older drivers are typically perceived as less likely to be involved in an accident and file a claim.
Auto insurance quotes are usually most costly for younger and new drivers that have less experience on the road. Quotes will typically level off around 30 years old and increase much later in life when drivers become seniors, particularly after age 70. Seniors at this age are seen by insurers as slightly higher-risk drivers, but still not as high risk as new drivers in their teens and early twenties.
Annual full coverage car insurance quotes by age
| Age | Rates |
|---|---|
| 18 | $7179 |
| 19 | $6021 |
| 20 | $5333 |
| 21 | $4453 |
| 22 | $4128 |
| 23 | $3840 |
| 24 | $3597 |
| 25 | $3207 |
| 30 | $2399 |
How gender impacts automobile insurance quotes
Car insurance is typically more expensive for men relative to women. Differences in quotes are typically larger among younger, new drivers in their teens, and often the gap between men and women narrows significantly throughout their early to mid 20s.
Quote disparities are largely due to how insurers evaluate risk, as historical data has shown that young men more often engage in risky driving behavior than young women.
Some states and municipalities, however, prohibit carriers from using gender in the auto insurance quotation process. These include California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania and parts of Michigan. Drivers of any gender should receive similar car insurance quotes in these locations, all else being equal.
Annual full coverage car insurance quotes by gender
| Age | Male | Female | Difference |
|---|---|---|---|
| 18 | $7,561 | $6,797 | 11% |
| 19 | $6,311 | $5,732 | 10% |
| 20 | $5,590 | $5,076 | 10% |
| 21 | $4,647 | $4,258 | 9% |
| 22 | $4,274 | $3,983 | 7% |
| 23 | $3,965 | $3,716 | 7% |
| 24 | $3,702 | $3,493 | 6% |
| 25 | $3,247 | $3,167 | 3% |
How marital status affects auto insurance quotes
Single drivers typically pay more for auto insurance than married couples. Insurers tend to view married drivers as more financially stable and risk averse, and therefore charge them lower quotes than single drivers.
In the ten most populous U.S. states, single drivers tended to pay $110 more per year for auto insurance than married drivers. Among these, Georgia had the biggest difference in rates, with single drivers paying $207 more per year than married drivers
Notably, our analysis also found that insurers tend to treat divorced drivers the same as single drivers, pricing nearly equivalent quotes for these groups. Insurers were more varied in their approach to quoting widowed drivers. Typically, widowed drivers see some discount relative to single and divorced drivers but still pay slightly more than married drivers on average.
Annual full coverage car insurance quotes by marital status
| State | Single | Divorced | Widowed | Married |
|---|---|---|---|---|
| CA | $1,779 | $1,779 | $1,719 | $1,656 |
| FL | $3,111 | $3,111 | $3,108 | $3,018 |
| GA | $3,224 | $3,242 | $3,147 | $3,017 |
| IL | $2,328 | $2,302 | $2,223 | $2,132 |
| MI | $9,541 | $9,541 | $9,509 | $9,485 |
| NC | $1,366 | $1,366 | $1,366 | $1,385 |
| NY | $2,805 | $2,805 | $2,737 | $2,737 |
| OH | $1,712 | $1,712 | $1,685 | $1,635 |
| PA | $1,785 | $1,785 | $1,717 | $1,667 |
| TX | $2,258 | $2,258 | $2,040 | $2,075 |
How coverage types affect auto insurance quotes
When purchasing auto insurance, your quote will depend on the type of policy you select.
- A minimum coverage policy meets the minimum legal requirements for car insurance in any given state.
- A full coverage policy typically adds comprehensive and collision coverage, and therefore costs more. Full coverage, however, provides more protection for damage to your car.
The costs of both full and minimum coverage policies depend on several factors described below.
State requirements
Nearly every state has some minimum coverage requirements for drivers to legally operate on the road. However, state requirements vary drastically from state to state.
- Most states require some form of bodily injury and property damage liability insurance, though the actual coverage limits required can differ. The higher the coverage limits required, the more expensive the policy.
- Some states require some form of uninsured and underinsured motorist coverage, whose limits can also vary and affect quotes.
- A few states mandate some amount of personal injury protection (PIP), which can add to policy costs. Michigan, in fact, requires drivers to carry unlimited PIP coverage, and as a result, drivers in Michigan get more expensive car insurance quotes than in any other state.
Population density
Insurers price premiums based on the risk or likelihood of claim filings. Typically, denser urban areas experience a higher frequency of car accidents and in turn, claim filings.
As a result, drivers in densely populated areas are likely to pay more for car insurance than those in less dense areas. Rhode Island and New Jersey, for example, are the only states with more than 1,000 residents per square mile, and both are in the top 10 for most expensive auto insurance quotes.
Local market and risk profiles
Because auto insurance is regulated at the state level, they often function as distinct insurance markets with different carriers operating across states.
Insurance companies all have their own proprietary mechanisms to assess risk, bundle coverage types and price auto insurance quotes, so some insurers cost more than others. The rates available to drivers depend on the insurers operating in their state.
Some states may statistically have higher risk profiles than others. If a state, or even a city within it, demonstrates a consistently high frequency of accidents and claim filings, insurers will increase quotes accordingly.