Car insurance (also called auto insurance or vehicle insurance) covers financial liability if you're in an accident. It also covers damage to your own vehicle, depending on the coverage you choose.
In the United States, liability coverage is legally required in almost every state. Collision and comprehensive coverage are optional but often required by lenders if you finance your vehicle.
Providers we compare
The comparison data below is illustrative. Actual premiums vary based on your age, location, driving history, credit score, vehicle type, and chosen deductible. Always get multiple quotes directly from providers.
| Provider | Avg Premium | Key Feature | Best For |
|---|---|---|---|
| GEICO | $1,200/yr | Digital-first experience | Price-conscious drivers |
| State Farm | $1,450/yr | Largest agent network | In-person service preference |
| Progressive | $1,350/yr | Name Your Price tool | Flexible budget options |
| Allstate | $1,550/yr | Accident forgiveness | Drivers with past claims |
| USAA | $1,100/yr | Military-specific benefits | Active/veteran military families |
How to choose car insurance
1. Determine required vs. optional coverage
Most states require liability (bodily injury + property damage). Collision and comprehensive are optional unless you have a car loan.
2. Get multiple quotes
Premiums vary wildly between providers for the same coverage. Get at least 3 quotes to compare.
3. Check coverage limits
Minimum state requirements are often too low. Consider 100/300/100 liability limits (100k per person, 300k per accident, 100k property).
4. Evaluate deductibles
Higher deductibles lower your premium but increase out-of-pocket costs if you file a claim. Balance affordability with risk tolerance.
5. Look for discounts
Bundling (home + auto), safe driver, good student, low mileage, and vehicle safety features can save 10-30%.
FAQ
What's the difference between collision and comprehensive?
Collision covers damage from hitting another vehicle or object. Comprehensive covers theft, vandalism, weather, animals, and other non-collision damage.
Do I need uninsured motorist coverage?
Yes. Roughly 13% of US drivers are uninsured. UM coverage protects you if hit by an uninsured driver.
How do insurers calculate my premium?
Age, location, vehicle make/model, credit score (in most states), driving history, annual mileage, and coverage choices all affect pricing.
Can I get car insurance with a suspended license?
It's difficult. Most insurers require an active license. You may need SR-22 (high-risk) insurance once your license is reinstated.
What's "full coverage"?
"Full coverage" isn't a formal term. It typically means liability + collision + comprehensive.
Note: This comparison is for informational purposes only. It is not financial advice. Rates and coverage vary by state, driver profile, and vehicle type. Always read the policy documents before purchasing.