Compare car insurance rates for April 2025 

A car insurance quote is the price an insurance company offers in response to an individual’s application. Quotes are personalized based on the exact information you provided when requesting the price. Car insurance rates, on the other hand, refer to the prices insurers set for statistical categories of risk to account for the money they’ll lose on claims as well as operating expenses and profit.

Unless you’ve made significant changes to your risk profile — such as getting rid of a car, aging out of a high-risk pool or building your credit — your best bet for getting cheaper premiums without switching carriers is to qualify for discounts. If you also have a home insurance policy from a different carrier, you may want to look into bundling your policies with a single insurer for a bundling discount. In most cases, it’s worth researching discounts or requesting quotes from competitors before you reduce your coverage levels to achieve a lower rate.

Bankrate’s analysis of the latest average premium data from Quadrant Information Services indicates that, on average, the U.S. auto insurance carriers with the cheapest rates include Auto-Owners, Geico and USAA. However, no single carrier has the cheapest car insurance for every driver. Depending on your location and risk profile, you could be eligible for lower premiums from another carrier — which is why comparing rates based on your unique situation is so important.

Car insurance quote comparison websites exist around on the web, but they’re not all built to the same standard. Some online quote comparison tools only sell your data to generate leads for other agencies and insurers without providing actual quotes on the page. When choosing a quote comparison tool, consider ones powered by a legitimate agency, or you may choose to work with a local agent or broker in your area.

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.