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There are a lot of factors that go into the price of car insurance, including the kind of car you drive, where you live, the insurance laws and regulations in your state, your age and gender, and of course, your driving record. Insurance companies are notoriously secretive about the factors they use to determine rates, but there are still some consistent factors that can help savvy consumers spot patterns.

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The Cheapest Car Insurance Companies

When it comes to industry practices and secrets you can’t figure out yourself, we’re here to help. To help you learn more about average car insurance costs in the United States, U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the nine largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

The different groups of auto insurance customers mentioned above can generally expect to pay different prices for car insurance, based on the risk factors they present. For example, teen drivers are the least experienced on the road, and statistically, this group has the highest risk of causing an accident. But even within the teen demographic, there are differences in average auto insurance costs when you look at male and female drivers in that age group, based on statistics that show one group is a higher risk on the road than the other. You can read How Car Insurance Works and How Much Car Insurance Do I Need? for more information.

We’ll use the data from Quadrant Information Services to explore the average prices paid by these demographics and others. We’ll also look at how average prices vary amongst the largest auto insurance companies in the United States, so you can get a better idea of what you can expect to pay the next time you need to renew your auto insurance policy or shop for a new insurance company. We’ve also created lists of the Cheapest Car Insurance Companies and the Best Car Insurance Companies to help you decide whether you’re better off seeking out the lowest price, the best overall experience, or some other combination of factors based on you and your household’s specific car insurance needs.

Insurance Requirements Affect Rates

Even though we’ll be looking at average car insurance rates from across the United States, it’s important to keep in mind that each state has its own laws and requirements to regulate the insurance industry and establish minimum insurance requirements. Since the insurance requirements of your state can be substantially different than those just across the nearest state border, you might end up paying more or less than the averages cited here.

Furthermore, each state sets a minimum insurance coverage requirement that is the amount you must have to drive legally, but the minimum won’t necessarily provide adequate protection in the case of an accident. In other words, when you shop for insurance, you should talk to your agent to decide if your state’s minimum requirements are enough for you, and how much it would cost to buy a policy with better protection. This, too, can mean that you might end up paying more for insurance than the averages shown here, though it might be worth it in the long run.

What Is the Average Cost of Car Insurance?

Before we dive into average auto insurance rates for different groups of customers in the United States, you might be wondering, what is the actual average across all demographics? The data from Quadrant Information Services shows that the average annual rate for all drivers who use the nine companies in our study was $3,717. That said, as you continue reading, keep in mind that this rate is only for the purposes of comparison and does not necessarily reflect how much you’ll pay for auto insurance.

For example, of the companies in our study, USAA had the lowest average annual rate of $2,537, but this company focuses on providing affordable insurance to members of the military and not all consumers qualify for USAA coverage. On the flip side, some of the companies in our study had much higher average insurance rates. Keep reading to learn more about how age, experience, and other factors can influence average auto insurance rates.

Average Car Insurance Rates for Low Coverage

Company

Average Annual Rate

USAA

$2,404.11

Geico

$3,001.91

State Farm

$3,055.40

American Family

$3,368.49

Nationwide

$3,394.83

Progressive

$3,737.13

Farmers

$3,922.47

Travelers

$4,223.63

Allstate

$4,628.03

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Liberty Mutual car insurance rates are not currently available.

If you’re planning to shop for the minimum-required insurance coverage, you should first consider that low coverage likely won’t be sufficient to protect you or your assets in many accident scenarios. That is, if you are responsible for more property damage or medical costs than your insurance policy will cover, you may be personally liable for those costs, depending on your state’s laws.

The average insurance rate for low coverage nationwide is $3,526.22, and it’s interesting to see how that national average compares to the averages from each of the major auto insurance companies in our study. When it comes time to shop for low coverage, you may want to check out USAA if you qualify for membership, since that company has the lowest average rate for this group by far, at $2,404.11 for a year of coverage. For consumers who don’t have a military affiliation, Geico is likely to be the most affordable option, with a national average rate of $3,001.91. The highest national average rates for low coverage insurance customers come from Allstate, with a rate of $4,628.03, and Travelers, with a rate of $4,223.63. Again, keep in mind that these are averages, and that the rate you pay for low coverage will be influenced by other factors, as well.

Average Car Insurance Rates for Medium Coverage

Company

Average Annual Rate

USAA

$2,539.87

Geico

$3,213.97

State Farm

$3,269.80

Nationwide

$3,449.80

American Family

$3,544.37

Progressive

$4,018.46

Farmers

$4,166.22

Travelers

$4,462.02

Allstate

$4,896.81

Liberty Mutual car insurance rates are not currently available.

The national average auto insurance rate for medium coverage from the companies in our study was $3,729.04. Here, it’s worth noting that this rate is only about $200 more than the national average rate for low insurance coverage, which we just discussed. The takeaway here is that based on your own circumstances, it’s worth discussing your coverage rates with your insurance agent to see how much it will cost to bump up your coverage and any additional benefits you’ll receive. In other words, you might be saving an average of $200 up front with low coverage, but it can cost you more in the long run if your bare-bones policy doesn’t actually cover the expenses you’ll incur if you’re involved in a crash.

As before, let’s take a look at the low and high average costs for this type of coverage. Again, if USAA is an option for you, that’s your best bet, since the national average rate for low coverage is $2,539.87. That’s considerably cheaper than the next-best average, Geico, at $3,213.97. On the high side, Allstate comes in at $4,896.81, and Travelers comes in at $4,462.02.

Average Car Insurance Rates for High Coverage

Company

Average Annual Rate

USAA

$2,667.92

American Family

$3,416.40

Geico

$3,429.14

State Farm

$3,454.80

Nationwide

$3,505.37

Progressive

$4,350.96

Farmers

$4,494.13

Travelers

$4,619.07

Allstate

$5,139.02

Liberty Mutual car insurance rates are not currently available.

If you want the best insurance coverage with the most protection, you’ll pay more than you would for low or medium coverage, but perhaps not as much as you might expect. The average national rate for high auto insurance coverage from the companies in our study comes in at $3,897.42. The average difference between medium and high coverage is even less than the difference between low and medium coverage, and the average increase in cost from low to high coverage is well worth considering for most auto insurance customers. You'll only add about $400 per year to your annual rate, but have much greater coverage that could save you from paying much more out of pocket.

Let’s break down the costs of high auto insurance coverage. USAA, once again, is by far the most affordable option, with a national average rate of $2,667.92. Geico is still the second-best choice for most consumers, with a national average rate of $3,429.14. The average consumer is best off avoiding Allstate, which has the highest rate of $5,139.02 for high coverage, and Travelers, which is close behind with an average national rate of $4,619.07.

Average Car Insurance Rates for Good Drivers

Company

Average Annual Rate

USAA

$1,933.68

Geico

$2,145.96

American Family

$2,693.61

Nationwide

$2,746.18

State Farm

$2,821.18

Progressive

$3,393.09

Travelers

$3,447.69

Farmers

$3,460.60

Allstate

$3,819.90

Liberty Mutual car insurance rates are not currently available.

One of the best ways to save money on car insurance is to maintain a clean driving record, especially since this is a factor that is entirely within your control. That means avoiding accidents, speeding tickets, and other offenses. Not only will you save money on your annual car insurance premiums, you won’t have to deal with the additional expenses of tickets, court costs, or other fines and fees.

The average national rate for drivers with a clean record is $2,940.21. However, there is a lot of variation in the average rates for this group amongst the major auto insurance companies in our study. It should be no surprise at this point that USAA has the lowest rate for this group, coming in at $1,933.68, nearly a thousand dollars less than the national average. That means if you have a good driving record and qualify for insurance from USAA, that should almost certainly be your first choice when it comes time to start shopping around and comparing quotes. If USAA isn’t an option for you, Geico is the next best bet, with a national average rate of $2,145.96 that still represents considerable savings over the overall national average. The most expensive major insurance company for good drivers is Allstate, with a national average rate of $3,819.90. Farmers is also on the high side, coming in at $3,460.60.

Car Insurance Rates for Drivers with Accidents or Tickets

Crashes and moving violations are very expensive. Not only will you have to pay various fees, fines, and penalties depending on the offense and the laws where you live, you’ll be marked as a higher risk driver. A record as a high risk driver can follow you for years, causing your insurance rates to go up, and your insurance may cost considerably more long after you’ve paid off the speeding tickets or had your car repaired from a crash.

If your driving record is really spotty, with multiple violations, you might have trouble qualifying for insurance at all. If that’s the case, you’ll probably end up paying rates on the higher side of what you see here, or talking to smaller insurance companies to see if they offer specialized coverage. Drivers who are recognized as especially high risks must often maintain a clean driving record before they qualify for more mainstream insurance rates. You can learn more about these situations in our article on car insurance costs.

For now, let’s take a look at the major auto insurance companies’ national average rates for drivers in three groups: those with one speeding ticket, those with one accident, and those with one occurrence of driving under the influence, or DUI. Of course, multiple occurrences of any of these violations, or a combination of violations, will result in much higher rates, but these averages will give you an idea of what to expect.

Average Car Insurance Rates for Drivers With One Speeding Ticket

Company

Average Annual Rate

USAA

$2,193.25

Geico

$2,645.43

American Family

$3,025.74

Nationwide

$3,113.68

State Farm

$3,186.01

Progressive

$4,002.28

Farmers

$4,079.01

Travelers

$4,260.80

Allstate

$4,483.51

Liberty Mutual car insurance rates are not currently available.

A single speeding ticket is the first, and least consequential, of the driving offenses we’ll look at in this section. The national average car insurance rate for drivers with a single speeding ticket comes in at $3,443.30, about $500 more than the national average for drivers with a clean record. Even if a speeding offense doesn’t cause an accident, it shows that you’re a driver who is more willing to take risks, and your insurance rates will go up accordingly. It’s an expensive risk, because even when the ticket itself is a distant memory, it may still be on your record and affecting your insurance premiums.

USAA and Geico maintain their records as being the most affordable major insurance companies nationwide. USAA comes in at $2,193.25, and Geico is higher, at a national average rate of $2,645.43. Travelers and Allstate are once again the two most expensive options, with national average rates of $4,260.80 and $4,483.51, respectively.

Average Car Insurance Rates for Drivers With One Accident

Company

Average Annual Rate

USAA

$2,516.24

Geico

$3,192.77

State Farm

$3,396.01

Nationwide

$3,396.95

American Family

$3,722.75

Travelers

$4,289.74

Farmers

$4,518.73

Progressive

$4,777.04

Allstate

$4,987.68

Liberty Mutual car insurance rates are not currently available.

The national average car insurance rate for drivers with one accident is $3,866.43. This is more expensive than the average rate for drivers with one speeding ticket, and almost $1,000 more than the average for drivers with a clean record. This is a good example of how maintaining a clean driving record can help you save as much money on car insurance as possible.

Here, USAA maintains its reputation for offering the lowest possible rates, with a national average for this group that comes in at $2,516.24. Geico will most likely be the best choice for drivers who don’t qualify for USAA, though Geico’s national average rate of $3,192.77 is a big step up from USAA and more representative of the actual costs of having an accident on your insurance record. Progressive and Allstate are the two most expensive companies, on average, for drivers with a single accident on the record. These two insurers come in with national average rates of $4,777.04 and $4,987.68, respectively.

Average Car Insurance Rates for Drivers With One DUI

Company

Average Annual Rate

USAA

$3,506.03

State Farm

$3,636.80

Progressive

$3,969.65

American Family

$4,330.24

Nationwide

$4,543.20

Farmers

$4,718.75

Geico

$4,875.87

Travelers

$5,741.40

Allstate

$6,260.73

Liberty Mutual car insurance rates are not currently available.

Drivers with a single DUI are looking at a national average car insurance rate of $4,620.30, which makes this an especially expensive violation. If you have made this mistake in the past, you can try to minimize the impact on your insurance costs by getting a policy with USAA, which charges an average of $3,506.03 to this group, or State Farm, which comes in a little higher, at a national average of $3,636.80. Travelers and Allstate are the most expensive auto insurance companies for drivers with a single DUI offense. Their national average rates are $5,741.40, and $6,260.73, respectively.

Average Car Insurance Rates for Drivers With Bad Credit

Company

Average Annual Rate

USAA

$3,690.73

Nationwide

$4,083.29

Geico

$4,259.50

American Family

$4,467.98

Progressive

$4,737.64

Farmers

$4,864.14

State Farm

$4,951.20

Travelers

$5,160.22

Allstate

$6,490.65

Liberty Mutual car insurance rates are not currently available.

Credit history is yet another factor used to determine car insurance rates. People with good credit are perceived as more responsible overall, and insurance companies reward those customers with better rates. That means if you have fair or poor credit history, your car insurance is going to cost more than it would if you had good credit. The national average car insurance rate among the major auto insurance companies in our study comes in at $4,745.04. For comparison purposes, the national average rate for drivers with good credit is $3,030.28, and the national average rate for drivers with fair credit is $3,473.88. Drivers with poor credit will do best with USAA, at an average rate of $3,690.73, and Nationwide, at an average rate of $4,083.29. The most expensive companies for this group are Travelers, coming in at $5,160.22, and Allstate, at $6,490.65.

Car Insurance Rates for Teen Drivers

Statistics show that teen drivers are the most dangerous on the road, with higher rates of accidents and fatalities. If you have ever added a teen driver to your car insurance policy, you might have thought the rates were exorbitant. It’s true, insurance companies do charge very high rates for newly licensed teens, and those rates stay high until teens establish a record of safe driving and reach their mid-20s, when they’re statistically at a lower risk of being involved in a crash.

When you look at the average car insurance rates below, for single 17-year-old females and single 17-year-old males, it might seem like insurance companies are simply trying to take advantage of teen drivers (or their parents). But statistics support the perspective of the insurance companies. Teenagers are involved in accidents at much higher rates than other groups, and teen male drivers are statistically more likely to be involved in crashes than teen female drivers, which you’ll see reflected in the national average insurance rates below. Among the major national car insurance companies in our study, the average rate for 17-year-old drivers is $7,807.05. However, you’ll see a lot of variation in each company’s average rate, which means just one thing – it pays to shop around.

Average Car Insurance Rates for Single 17-Year-Old Females

Company

Average Annual Rate

USAA

$4,807.54

Geico

$5,653.55

Nationwide

$5,756.37

State Farm

$5,953.88

American Family

$5,996.50

Farmers

$8,521.97

Progressive

$8,689.95

Allstate

$9,282.19

Travelers

$9,307.32

Liberty Mutual car insurance rates are not currently available.

The average national car insurance rate for a teen female is $7,107.70, which is higher than the rates we’ve seen so far in this overview, even those charged to adult drivers with a record of risky behavior such as accidents and DUIs. The good news is that there are options. USAA is the best choice, if it’s an option for you, because the national average rate of $4,807.54 seems downright reasonable when compared to some of the others. From there, average rates go much higher, and Geico is your next best bet at $5,653.55. Travelers and Allstate are the most expensive for this group, with $9,307.32 and $9,282.19, respectively. If you think that’s bad, wait until you see the rates for teen males.

Average Car Insurance Rates for Single 17-Year-Old Males

Company

Average Annual Rate

USAA

$5,385.61

Geico

$6,278.96

Nationwide

$7,175.31

State Farm

$7,324.34

American Family

$8,130.50

Farmers

$9,144.04

Progressive

$9,625.49

Allstate

$10,642.53

Travelers

$12,850.91

Liberty Mutual car insurance rates are not currently available.

The national average insurance rate for 17-year-old males is $8,506.41, about $1,400 more than their female counterparts. Here, too, it’s important to shop around. USAA’s national average rate of $5,385.61 is the best out there, if you can get it. Geico, the second-best option for this group, has a national average rate of $6,278.96. The two highest national average rates for teen males go well into the five-figure range. Allstate’s average is $10,642.53, and Travelers tops even that, coming in at $12,850.91.

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Finding the Best Car Insurance For You

By now, you should have a better idea of the factors that go into determining the cost of your auto insurance, as well as how much you can expect to pay the next time you shop for insurance coverage. Now, it’s time to learn ways of finding the best deal on car insurance. Shopping around and getting quotes from a variety of companies is the best way to save money when you buy car insurance. Our U.S. News auto insurance guide will also help you learn more about available discounts and other ways to cut costs.

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