NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

One particular advantage of adding endorsements rather than seeking coverage through a separate insurer is that you have all of your coverages in one place. Furthermore, if you have, say, home and flood insurance with the same company and you need to file a home and flood claim, some insurers may only require a single deductible for coverage to kick in. Some endorsements that are indicative of a good homeowners insurance company are:

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2019 models. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm, in 10 ZIP codes per state. Not all models were available, especially exotic cars. More than 3,000 models are included in the 2019 study.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.

NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.


Hippo takes the top prize for the fastest, most “how the heck did they do that” quoting experience in the home insurance marketplace. The application process with Hippo is actually quite remarkable — you’re promised a quote in 60 seconds, but it’s really closer to 30. To apply, all you do is type in your address, and Hippo almost instantly shoots you an estimate along with information about your home’s specs.
"Many companies offer discounts for good grades and for completion of an approved driver’s education or defensive driving course," continued Doreen Haughton-James of 123 Drive! Driving Academy. "Some also have their own discount programs. State Farm, for example, has a program called 'Steer Clear' where students receive discounts for logging driving hours and completing a program."
Liability insurance covers you if you’re in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and his or her passengers. Most states require at least a minimum amount of liability insurance, but it’s a good idea to purchase extra protection if you can afford it.

Allstate is more reasonable in terms of pricing, and came out cheapest for drivers under 25 according to our quotes. Both J.D. Power and Consumer Reports readers rated it just a hair lower than State Farm overall, but at the top for claims satisfaction. So we were puzzled to see its complaint index was the highest by far among the top five, and the only one considered above average for all Texas insurers. Since the most common consumer complaint is that payments are too low, it seems likely that Allstate is stingier in its claims determinations than most companies. Its financial strength, while not quite top-tier, is good enough that you’ll never have to worry about getting paid; the bigger question is whether you’ll be satisfied with the amount.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
These are on the high side, but there are still instances in which they won’t be enough to fully cover you. For example, if you accidentally hit a luxury car, replacing it could easily cost more than the $25,000 legal minimum for property damage coverage. If the other driver is injured, his or her medical bills could also exceed the $30,000 bodily injury minimum fairly easily. In each case, you’d be responsible for making up the difference yourself.
In most states, a DUI is the most costly violation you can receive. Moreover, in states like California, it will stay on your insurance record for 10 years! Based on our analysis of the most popular car insurance companies, this would set you back an average of $1,200 in insurance rate increases during that 10-year period. To limit costs, do your due diligence and shop around: Progressive and USAA are the cheapest insurance options after a DUI — consider starting with those providers.

NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.

Jeeps are rarely considered luxury vehicles. They tend to be pretty bare bones. That makes them cheaper to insure. “The Jeep Wrangler is the iconic off-road vehicle, which implies a rugged lifestyle. However, most Wranglers don't spend a lot of time off the pavement, so they are spared the rough service life. When they do get damaged, the body-on-frame vehicle is easy and inexpensive to repair, and parts are plentiful,” says Harley.
Let's use the aftermath of Superstorm Sandy as an example to illustrate the differences between collision and comprehensive. Within that storm, let's consider two events that might have happened: 1) a heavy tree branch fell on your car, or 2) you swerved to avoid a falling tree branch and wound up crashing into a tree. In the first event, you had no control over when or why a tree branch would fall on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you were driving the car and ultimately swerved into the tree, which makes it a collision, and collision insurance therefore pays for the damages. Events like the hypothetical ones stated above are why it's important to differentiate between the two types of coverage.
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