Car Insurance Quotes
Last Updated on November 10, 2025
If you drive in the United States, you’re legally required to carry car insurance. It protects you, your passengers, and others on the road from the financial fallout of accidents, theft, or natural disasters.
While car insurance is a must, it doesn’t have to be costly. In 2025, rates are higher than ever — but you can still save hundreds by comparing quotes from multiple insurers before you buy or renew.
That’s where Insurance Panda helps. We make shopping for coverage fast and simple by gathering real-time quotes from top insurance providers, all in one place — so you can find the best rate without visiting dozens of websites.
Key Takeaways:
- Car insurance is mandatory in nearly every U.S. state and protects you from accidents, theft, and liability costs.
- Rates have risen in 2025, but you can still save by comparing quotes from multiple insurers.
- Insurance Panda’s free comparison tool lets you quickly view real-time quotes from top-rated providers.
- New tech like telematics and EV discounts can help lower your premiums based on safe driving or vehicle type.
- Your rate depends on many factors, including your car, location, driving history, credit, and coverage level.
How Does Insurance Panda Work?
The Insurance Panda car insurance quote comparison tool will connect you to the top insurance providers in the United States. By entering your zip code at the top of this page, you will be brought to our brief questionnaire asking about yourself and the vehicle you wish to insure. After filling out this simple two-page form, you will be given quotes from the top insurance providers.
It’s a Three-Step Process:
- Enter your zip code
- Fill out our brief two-page form
- Compare rates and choose the cheapest one
It works like this – once you give us your basic information, we send it to the insurance companies fighting for your business. They will run their risk assessment calculations and shoot their quotes back to us. We will then present them to you so you can decide which company to go with.
This is the most painless way to shop for auto insurance as a consumer. Let us do all the heavy lifting for you and get the insurance companies scrambling for your business. Remember – the consumer always gets the best price when the competition is fierce.
How Are Your Car Insurance Quotes Calculated?
As mentioned above, the Insurance Panda quote tool will calculate your insurance quote for you. But how exactly are these insurance rates determined? Which factors can play a role in determining your auto insurance rates?
The Major Factors that Can Determine Your Rates
Car insurance companies consider thousands of factors when calculating car insurance premiums. Here are some of the most important factors that go into your premiums:
Your Vehicle’s Value
Certain types of vehicles are more expensive to insure than others. For example, a Maserati is generally more expensive to insure than a Honda Civic. Your vehicle’s value can significantly raise your collision coverage and comprehensive coverage premiums: it costs more to repair a higher-end vehicle, and these costs get passed from the insurer to the policyholder.
Your Vehicle Type and Size
The size and type of your vehicle can impact your liability insurance premiums. Why? Well, certain cars can cause more damage than others. A Ford F-350 driving at 65mph can cause significant damage to anything it encounters, for example, while a Ford Fiesta will not.
Your Vehicle’s Safety Rating
Your vehicle’s safety rating can also impact insurance premiums. Your insurer may be required to pay for medical bills after an accident. Your insurer may also need to cover death benefits for you or your passengers. A vehicle with a good safety rating is less likely to leave passengers dead or seriously injured, which can reduce costs for insurers.
Your Vehicle’s Safety Features
Similar to the point above, vehicles with extensive safety features cost less to insure than those without. For example, you may pay lower insurance premiums if your vehicle has passenger and side airbags.
Repair Costs
Certain vehicles are more expensive to repair than others. Popular models, including major domestic and important models, are the cheapest to repair. Repair shops have plenty of parts on hand and firsthand experience dealing with these types of vehicles. An exotic, less-popular vehicle is more expensive to repair. It may need to visit a specialty repair shop, for example. That means higher repair costs for your insurer and higher premiums for you.
Your State
Insurance laws in the United States are governed at the state level. Today, drivers in the most expensive states pay 2x to 3x as much for car insurance as drivers in the least expensive states. For example, certain states, including Maine, North Carolina, and Virginia, are consistently among the cheapest states for car insurance, with drivers paying less than $600 per year on average. Other states, like Michigan, Louisiana, and Florida, are all some of the most expensive states for car insurance, with drivers paying over $1,200 per year. Why is there such a big difference? Some states use no-fault insurance systems. Others require higher or lower coverage limits. Some states have high rates of accidents, bad weather, or insurance fraud.
The following table shows the updated state minimum coverage requirements and average annual insurance rates. Due to inflation and repair cost increases, most states saw 15–25% premium hikes over the past few years.
The states with higher insurance requirements usually have higher average insurance rates. Note that the requirements are presented in a three-number format (i.e., 30/50/30). Using this format, 30/50/30 means you must carry $30,000 bodily injury liability coverage (BIL) per person, $50,000 BIL per accident, and $30,000 in property damage liability coverage.
| State | Insurance Requirements | Avg Min Coverage Rates ($) | Avg Full Coverage Rates ($) |
|---|---|---|---|
| Alabama | 25/50/25 | 560 | 2,015 |
| Alaska | 50/100/25 | 480 | 1,495 |
| Arizona | 25/50/15 | 710 | 2,275 |
| Arkansas | 25/50/25 | 580 | 2,230 |
| California | 15/30/5 | 735 | 2,420 |
| Colorado | 25/50/15 | 730 | 2,360 |
| Connecticut | 25/50/20 | 995 | 2,475 |
| Delaware | 25/50/10 | 960 | 2,720 |
| Florida | 10/20/10 | 1,280 | 3,785 |
| Georgia | 25/50/25 | 865 | 2,520 |
| Hawaii | 20/40/10 | 395 | 1,310 |
| Idaho | 25/50/15 | 385 | 1,180 |
| Illinois | 25/50/20 | 545 | 1,740 |
| Indiana | 25/50/25 | 430 | 1,465 |
| Iowa | 20/40/15 | 340 | 1,445 |
| Kansas | 25/50/25 | 535 | 1,920 |
| Kentucky | 25/50/25 | 905 | 2,450 |
| Louisiana | 15/30/25 | 1,070 | 3,880 |
| Maine | 50/100/25 | 360 | 1,120 |
| Maryland | 30/60/15 | 990 | 2,420 |
| Massachusetts | 20/40/5 | 485 | 1,465 |
| Michigan | 20/40/10 (PIP Optional) | 1,270 | 3,075 |
| Minnesota | 30/60/10 | 635 | 1,885 |
| Mississippi | 25/50/25 | 585 | 2,065 |
| Missouri | 25/50/25 | 560 | 1,975 |
| Montana | 25/50/20 | 445 | 1,845 |
| Nebraska | 25/50/25 | 415 | 1,675 |
| Nevada | 25/50/20 | 945 | 2,590 |
| New Hampshire* | 25/50/25 | 355 | 1,145 |
| New Jersey | 25/50/25 | 975 | 2,665 |
| New Mexico | 25/50/10 | 525 | 1,710 |
| New York | 25/50/10 | 980 | 2,620 |
| North Carolina | 30/60/25 | 415 | 1,420 |
| North Dakota | 25/50/25 | 335 | 1,435 |
| Ohio | 25/50/25 | 405 | 1,190 |
| Oklahoma | 25/50/25 | 585 | 2,140 |
| Oregon | 25/50/20 | 835 | 1,995 |
| Pennsylvania | 15/30/5 | 480 | 1,695 |
| Rhode Island | 25/50/25 | 850 | 2,400 |
| South Carolina | 25/50/25 | 635 | 2,075 |
| South Dakota | 25/50/25 | 355 | 1,715 |
| Tennessee | 25/50/15 | 470 | 1,615 |
| Texas | 30/60/25 | 785 | 2,425 |
| Utah | 25/65/15 | 710 | 1,795 |
| Vermont | 25/50/10 | 390 | 1,130 |
| Virginia | 30/60/20 | 465 | 1,510 |
| Washington | 25/50/10 | 745 | 1,870 |
| West Virginia | 25/50/25 | 545 | 1,660 |
| Wisconsin | 25/50/10 | 415 | 1,395 |
| Wyoming | 25/50/20 | 340 | 1,785 |
| *Note: Auto insurance isn’t legally required in NH, but drivers must meet financial responsibility laws. If you choose coverage, the minimum limits are 25/50/25. | |||
Your ZIP Code
Certain ZIP codes have higher rates of break-ins and vandalism than other neighborhoods. Some ZIP codes have high accident rates or fatality rates. Your ZIP code plays a significant role in calculating insurance premiums.
Where You Park Your Car at Night
Where do you park your car at night? Is it stored in a locked garage? Or is it parked on the street? Many insurance companies offer discounts based on your vehicle’s parking location.
Your Coverage
Do you want the bare minimum liability coverage that lets you legally drive on the road? Or do you want full coverage with high limits? Most states only require you to have property damage and bodily injury liability coverage. Many drivers, however, opt for full coverage car insurance, which includes liability, collision, and comprehensive coverage. Adding collision and comprehensive coverage can cause rates to double or triple.
Your Driving Record
A driver with a long history of safe driving will pay less for car insurance than a driver with two at-fault claims in the last five years. Insurers check your driving history to determine your risk as a driver. Generally, your driving history only goes back five to seven years. However, more severe violations – like DUIs or reckless driving citations – may last ten years. The more speeding tickets, citations, accidents, and claims you have on your record, the more you’ll pay for car insurance.
Your Credit Score
Yes, your credit score impacts car insurance premiums. Insurers use something called your credit-based insurance score to assess your insurance premiums. Drivers with a higher (better) credit score will always pay less for car insurance than drivers with a lower (worse) credit score, all other things being equal.
Discounts
Many insurers now offer new digital and green-driver discounts. You can save through safe-driving telematics apps, low-mileage tracking, EV ownership, loyalty rewards, and bundling with renters or homeowners insurance.
Your Age
It’s no secret that younger drivers pay higher rates for car insurance. On average, drivers in their teens pay around $3,500 per year for car insurance. As you get older and gain more experience, car insurance premiums gradually drop. Assuming you maintain a clean record, you’ll pay your lowest insurance rates between ages 30 and 70. However, insurance premiums may rise slightly as you move into your 70s and 80s.
Marital Status
Married drivers pay less for car insurance than single drivers, especially at a younger age. Statistics show that married drivers are less likely to make a claim, which makes them less risky to insure.
Homeowner Status
Renters generally pay higher insurance premiums than homeowners. with most insurers, this difference isn’t significant (about $30 to $50 per year). However, homeowners can also take advantage of homeowners’ insurance bundling opportunities to save even more money.
Education
Statistics show that drivers with post-secondary degrees are less likely to make a claim. They’re safer drivers who are less risky to insure. The more education you have, the more you’ll save. For example, a driver with a high school diploma will pay less than a driver without one. Rates continue dropping as you get a bachelor’s degree, master’s degree, and Ph.D.
Telematics and Driver Tracking Systems
Today, most major insurance companies in America offer some driver tracking or ‘telematics’ system. If you agree to use this system, the insurance company could drop rates as much as 25% based on your safe driving habits. You install a tracking device that analyzes your mileage, driving times, braking and acceleration, and more. Based on this data, the insurance company will charge customized premiums.
Violations
Speeding tickets, DUIs, and other incidents will significantly impact insurance premiums. A single DUI, for example, could raise insurance premiums as much as 50%, and DUIs remain on your record for up to ten years. Less serious violations, like speeding tickets, may also impact premiums, although not as much.
Annual Mileage
The average American drives approximately 10,000 miles annually (although this figure varies by region). Insurance companies will assume you drive the average number of miles per year and will charge you based on that number. However, some people are retired or work from home. Others bike or walk to work. In this case, your annual mileage may be significantly less than the average.
Driving Times
Some people only drive outside of rush hour. If you work from home, for example, you might prefer to shop during the day and get out on weekends. You avoid the 9 to 5 rush hour chaos. This significantly lowers your risk of making a claim. Insurance companies may consider this information when calculating insurance premiums.
To learn more about how to save on your insurance and which factors affect your insurance rates, explore the insurance guide at InsurancePanda.com. We will equip you with all the tools you need to make an informed decision about your auto insurance coverage.
Frequently Asked Questions About Insurance Quotes
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- Click “Get Free Quote Now” below or enter your ZIP code above.
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With Insurance Panda, finding affordable car insurance has never been faster — or smarter.
