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 of the most common ways to lower your car insurance rates is by choosing a higher deductible. The deductible is the amount of money you must pay after an accident before your insurance kicks in. So, for example, if you are in an accident and there is $10,000 worth of damage done and your deductible is $1,000, you pay the $1,000 and your car insurance company pays $9,000. A higher deductible means less risk for your insurance company and lower rates for you. However, it also means that you need to have that much money on hand in case of an accident. If you go for a $2,000 deductible and don’t have $2,000 available after an accident, you won’t be able to get the repairs you need.
Like a DUI, a reckless driving citation can raise your car insurance rates. If you’ve received a reckless driving citation, your best bets for cheap car insurance are USAA and State Farm, despite the latter being one of the more expensive insurance companies if you don’t have a violation. This shows the importance of comparing car insurance rates carefully — your driving profile will be handled differently by every carrier.
Policies typically use vague language when referring to acts of terrorism, but they are generally insured by the comprehensive portion of your policy. For example, if there is an act of terror and you need to make a claim on your car, that can only be made if you have comprehensive coverage. Since some circumstances are out of our control, comprehensive insurance is certainly important to have in your policy.
State Farm: State Farm is the third-best car insurance company, though its overall score is very close to second-place Travelers. State Farm gets high marks from its customers for ease of filing a claim, and many State Farm customers say they're likely to renew their policy with the company. State Farm customers report being satisfied with the value they get from the company, and it’s no wonder they say that: State Farm rates are, on average, lower than most of the competition.
So, what does the best car insurance look like? The best car insurance companies balance their rates with the amount of coverage they offer, so their customers don’t pay more than they have to and are covered when they need to make a claim. The best car insurance companies work with you to figure out how much car insurance you need and explain your policy to you. When you need to file a claim, the best auto insurance companies walk you through the process, keep you informed, and work with you to resolve any issues you have. The best auto insurers will help you understand how car insurance works and make you feel like you’ve gotten the best value for your money when you insure your vehicle. The best car insurance companies will also offer you auto insurance discounts for things like having multiple policies or a good driving record. Finally, the best car insurance companies have great customer service, keep their customers updated on the status of their claims, and make sure the customer is satisfied with the way the claim is resolved.
Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.
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.

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.

The amount of coverage required by law varies from state to state. If you’re a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise, the other party involved in an accident could sue and attempt to collect on those assets.


One of the most common ways to lower your car insurance rates is by choosing a higher deductible. The deductible is the amount of money you must pay after an accident before your insurance kicks in. So, for example, if you are in an accident and there is $10,000 worth of damage done and your deductible is $1,000, you pay the $1,000 and your car insurance company pays $9,000. A higher deductible means less risk for your insurance company and lower rates for you. However, it also means that you need to have that much money on hand in case of an accident. If you go for a $2,000 deductible and don’t have $2,000 available after an accident, you won’t be able to get the repairs you need.
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.
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, their 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.
The main difference between collision and comprehensive coverage comes down to the question of what the driver controls. Collision insurance will cover events within a motorist's control or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," or things that are typically out of your control when driving. These can include events such as a spooked deer, a heavy hailstorm, or a carjacking.
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In a best-case scenario, you’ll never have to use your car insurance. After all, making a claim on your auto insurance means you’ve suffered some sort of loss, and no one wants that. However, going through life without ever having a fender bender or other damage to your car is unlikely. In some cases, you’ll be making a car insurance claim after a harrowing experience, like a serious accident. After going through something like that, you want to be sure your insurance company isn’t going to make things worse.

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Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.
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