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Don’t take our word for it. Here’s what verified shoppers say after switching through Insurances Quote.
I had been with the same carrier for 9 years. Took two minutes to fill out, an agent called me back the same afternoon, and I cut my premium almost in half. Wish I’d done this sooner.
Maria R.
Phoenix, AZ · Auto
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Columbus, OH · Auto
Rates where you live
Compare car insurance rates in your state.
Average premiums modeled from each state insurance department’s published rate data. Tap your state for carrier-level detail.
National average: $173/mo full coverageCheapest: Maine (~$100/mo)Most expensive: Louisiana (~$320/mo)
California
Full $201/mo · Min $54/mo
High uninsured-motorist rates and dense urban claim frequency.
Texas
Full $178/mo · Min $56/mo
Hailstorm comprehensive losses are the highest in the US.
Florida
Full $247/mo · Min $91/mo
No-fault PIP requirement plus hurricane catastrophic losses.
New York
Full $232/mo · Min $108/mo
No-fault PIP requirement and dense NYC-area claim frequency.
Pennsylvania
Full $175/mo · Min $55/mo
Choice no-fault state with PIP + dense Philadelphia + Pittsburgh metros.
Illinois
Full $158/mo · Min $50/mo
Chicago-metro claim frequency offset by stable Downstate market.
Ohio
Full $110/mo · Min $35/mo
Heavily competitive carrier market keeps premiums among the cheapest in the US.
Georgia
Full $189/mo · Min $63/mo
Severe-weather claim frequency and high uninsured-motorist rates.
North Carolina
Full $130/mo · Min $45/mo
Tight state rate-review keeps premiums well below national average.
Michigan
Full $290/mo · Min $100/mo
Historically the most expensive in the US due to unlimited PIP; 2019 reform helped but premiums remain elevated.
New Jersey
Full $180/mo · Min $65/mo
No-fault PIP + dense Northeast Corridor traffic.
Virginia
Full $130/mo · Min $40/mo
Insurance optional (with uninsured fee) — voluntary pool skews lower-risk.
See all 50 states + D.C.
Source: state DOI filings + IQ rate model.
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Not all “compare quotes” sites work the same way.
| What you get | Insurances Quote | Lead-selling sites | Single-carrier sites | Calling around yourself |
|---|---|---|---|---|
| Rate data grounded in state DOI filings | ||||
| Compare many carriers in one place | ||||
| Your info shared only when you ask to be contacted | ||||
| Licensed agent on one phone call | Rare | Their products only | One at a time | |
| Estimates in about 2 minutes | Varies | |||
| Free to use |
Insurances Quote
- Rate data grounded in state DOI filings
- Compare many carriers in one place
- Your info shared only when you ask to be contacted
- Licensed agent on one phone call
- Estimates in about 2 minutes
- Free to use
Lead-selling sites
- Rate data grounded in state DOI filings
- Compare many carriers in one place
- Your info shared only when you ask to be contacted
- Licensed agent on one phone callRare
- Estimates in about 2 minutes
- Free to use
Single-carrier sites
- Rate data grounded in state DOI filings
- Compare many carriers in one place
- Your info shared only when you ask to be contacted
- Licensed agent on one phone callTheir products only
- Estimates in about 2 minutesVaries
- Free to use
Calling around yourself
- Rate data grounded in state DOI filings
- Compare many carriers in one place
- Your info shared only when you ask to be contacted
- Licensed agent on one phone callOne at a time
- Estimates in about 2 minutes
- Free to use
Questions, answered
Frequently asked questions
How much is car insurance per month?
Across all 50 states and D.C., full coverage averages about $173/month and a state-minimum policy about $57/month. The spread between states is wide — from ~$100/mo in Maine to ~$320/mo in Louisiana — so where you live moves the needle as much as what you drive.
Which states are cheapest — and most expensive — for car insurance?
Ranked by state-average full-coverage premium, the three cheapest states are:
- Maine — about $100/mo full coverage
- New Hampshire — about $105/mo full coverage
- Vermont — about $100/mo full coverage
And the three most expensive:
How much is car insurance in Florida, Texas, California, and New York?
| State | Full coverage | Minimum |
|---|---|---|
| Florida | $247/mo | $91/mo |
| Texas | $178/mo | $56/mo |
| California | $201/mo | $54/mo |
| New York | $232/mo | $108/mo |
Tap a state for carrier-level rates and its minimum-coverage rules.
Why is my real quote different from these averages?
Our estimates start from the base rates each state Department of Insurance publishes, apply vehicle modifiers, and show a ±25% band around the midpoint. What they can’t model are driver-level factors — your age, driving record, credit history, and exact ZIP — and those routinely move a real quote more than the state average does. Treat the averages as a benchmark, not a promise.
What affects my car insurance rate the most?
In rough order of impact: your ZIP code, driving record, age, credit history (California, Hawaii, Massachusetts, and Michigan restrict credit-based pricing), the vehicle you insure, and the coverage level you choose. The first two are usually worth more than everything else combined.
Is comparing quotes free? Does it hurt my credit?
Comparing is free — always. When carriers price a quote they use a soft credit pull, which never affects your credit score. Nothing dings your credit until you actually finance a policy.
How does Insurances Quote make money?
Carriers and licensed agencies pay us when you choose to connect with them. You never pay us anything, and the rate you’re quoted is the same either way.
Will I get spam calls if I compare quotes?
No. We contact you only with your express consent, per the consent language shown on the quote form — you decide who can reach you. See our privacy policy and Do Not Sell or Share My Info.
What’s my state’s minimum required coverage?
Every state sets its own floor, and they differ a lot: California requires 15/30/5 liability, Florida is a no-fault state requiring $10,000 in PIP, and Maine requires 50/100/25 — one of the highest minimums in the country. See your state page for the exact rules where you live.
How can I lower my rate after an accident?
Accident surcharges typically last 3–5 years, but carriers weight incidents very differently — so re-shopping is the single fastest fix. A state-approved defensive-driving course can offset part of the surcharge too. Full playbook: how to lower your car insurance after an accident.
Written by the Insurances Quote editorial teamReviewed by a licensed P&C insurance agentRate data: state Department of Insurance filings · Updated July 16, 2026
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