Your location can have a huge impact on your insurance premium. Like many industries in the US, car insurance is regulated at the state level and is dictated by each state’s regulations. If you live in an area prone to floods, hurricanes, or wildfires, your rate will be elevated, as insurance companies compensate for these risks. Dive into the data below to find check out your expected costs with our list of car insurance rates by city.

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:
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Gender and age: Young (newly licensed drivers) will be the most expensive to insure and statistics show that young males are the worst of the young drivers. Once they have a few years of experience under their belts, rates should start to drop. Statistics show that women overall tend to be involved in fewer accidents so premiums are usually lower for female drivers until they hit middle age, then males and females are basically on par for the cost of car insurance
The type of vehicle you insure will impact your car insurance rate. Insuring a large truck or luxury vehicle is more expensive than insuring a sedan with standard trim. This is because collision and comprehensive coverage are designed to replace your vehicle in the event of an accident. The more it costs to replace your vehicle, the more it costs to insure it. Simple as that.
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.

Texas is one of four states that have seen the highest increase in auto insurance premiums over the last seven years, according to Consumer Reports. While part of that jump is due to increased repair costs for the added technology in new cars, extreme weather also plays a role, with Hurricane Harvey a recent glaring example. Over half a million vehicles flooded in Texas during that storm, significantly raising insurers’ annual losses for 2017, and in turn, causing around an 8% jump in premiums this year. Add the fact that Texas is number one in the nation for hail damage losses, and its position at the top of the rate hike leaderboard is no surprise.
We started by identifying Texas’s five biggest auto insurers by market share, and compared their financial strength, coverage options, and customer service, using methodology similar to our review on nationwide providers. Then, we checked J.D. Power and Consumer Reports to see how each company’s customers scored them, both overall and on their claims experiences. Next, we looked at the Texas Department of Insurance’s “Complaint Index” for each company — a measure of how consumer complaints filed against them compare to the state average. And finally we collected quotes for six hypothetical drivers, taking note of each company’s available endorsements and discounts.
USAA only sells policies to current and former members of the military and their families and is consistently rated at the top of its class by A.M. Best with an A++ financial strength rating. It doesn’t have an official customer service rating with J.D. Power, but USAA is noted by J.D. as providing “claims satisfaction and shopping satisfaction”. A perk of USAA is if your uniform is damaged or stolen in an event your policy covers and you are on active duty or deployed, USAA will reimburse you without you having to pay a deductible.
Know when to cut coverage. Don’t strip away coverage just for the sake of cheaper insurance. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
If you have very poor credit, the cheapest car insurance company is Nationwide. Here, your premium will be more than $435 less than the group average. Compared to the highest credit level, drivers with bad credit pay nearly $1,450 more per year for auto insurance. If you pay off a loan or otherwise improve your credit score, you should shop around for car insurance as your premium should change. Just another reason to keep your score up!
We analyzed premiums for a variety of policies and customer profiles to determine the average cost of life insurance across a number of different policy durations. The largest influencing factors on life insurance rates are the health of the individual being insured and their age. Factors such as whether or not you smoke, and what your height-to-weight ratio are also go a long way towards determining your annual life insurance policy quotes. Individuals that smoke often pay three times the amount that similar non-smokers will have to pay in premiums. Of course, life insurance companies will look at many other factors besides health (such as your occupation and age) but factors common in pricing other insurance products, like state of residence, are often not contributing factors.
While JD Power-recommended companies above aren’t among the cheapest of the insurance companies we’ve examined, they might suit your needs. It’s important to think beyond price to find a comfortable middle ground between claims satisfaction and affordability. Use The Zebra’s side-by-side insurance comparisons to avoid some of the legwork involved in insurance shopping.
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