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Car Insurance

Bankrate's insurance experts guide you through the basics of car insurance. Our exclusive approach can help you feel more confident in your insurance decisions.

What affects my car insurance quote?

Car insurance is like a fingerprint — car insurance companies may use almost a dozen different best car insurance quote will be different for everyone. The best way to find the cheapest policy that suits your individualized needs is to request free online car insurance quotes and shop around.

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Where you live

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Your age and gender

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Your driving history

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Your credit score

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Your vehicle

Compare car insurance carriers

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Best car insurance companies

Bankrate's insurance editorial team narrowed down a list of the top 10 car insurance companies and highlighted standout features from each company to help you decide which insurer might be right for you.

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Cheapest car insurance companies

Bankrate's insurance editorial team narrowed down a list of the top 10 car insurance companies and highlighted standout features from each company to help you decide which insurer might be right for you.

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Bankrate's image file
learn more

2025 Bankrate Awards

Our Bankrate Awards identified the standout insurers across a range of metrics. In our search for the best of the best, we analyzed average rates, coverage offerings, discounts, availability, digital tools, and third-party customer satisfaction and financial strength ratings.

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Find out how much you should be paying

Average car insurance cost by state in 2025

$2,056
$502
$2,488
$523
$2,637
$813
$2,444
$498
$3,102
$915
$3,233
$569
$2,715
$1,072
$2,931
$1,075
$3,874
$1,056
$2,895
$1,029
$1,650
$403
$1,443
$376
$2,491
$689
$1,704
$446
$1,911
$331
$2,486
$579
$2,581
$722
$3,953
$1,014
$1,631
$418
$2,966
$1,070
$2,096
$649
$3,225
$902
$2,552
$709
$2,302
$525
$2,491
$636
$2,364
$401
$2,358
$513
$3,566
$1,081
$1,655
$460
$3,061
$1,331
$2,124
$443
$4,031
$1,729
$1,825
$578
$1,736
$384
$1,820
$485
$2,798
$558
$2,096
$829
$2,397
$521
$2,959
$916
$1,941
$624
$2,287
$370
$1,972
$502
$2,599
$746
$2,136
$812
$1,491
$329
$2,146
$766
$1,890
$577
$2,164
$547
$1,920
$452
$1,760
$265
$2,825
$878
$1,650
$403
$1,443
$376
$2,491
$689
$1,704
$446
$1,911
$331
$2,486
$579
$2,581
$722
$3,953
$1,014
$1,631
$418
$2,966
$1,070
$2,096
$649
$3,225
$902
$2,552
$709
$2,302
$525
$2,491
$636
$2,364
$401
$2,358
$513
$3,566
$1,081
$1,655
$460
$3,061
$1,331
$2,124
$443
$4,031
$1,729
$1,825
$578
$1,736
$384
$1,820
$485
$2,798
$558
$2,096
$829
$2,397
$521
$2,959
$916
$1,941
$624
$2,287
$370
$1,972
$502
$2,599
$746
$2,136
$812
$1,491
$329
$2,146
$766
$1,890
$577
$2,164
$547
$1,920
$452
$1,760
$265
$2,825
$878
Average auto insurance premiums based on a 40-year-old driver with a clean driving record and good credit.

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