Compare auto insurance — 2026
Auto insurance is the one bill where doing nothing costs the most. Quote the same coverage with three carriers, then keep whichever comes back cheapest — the process takes about ten minutes.
Average annual auto insurance premium
$1,759 / year
Insurance Information Institute, 2024 average expenditure
Your premium will vary by state, driving record, vehicle, annual mileage, credit-based insurance score and the coverage limits you choose.
Where the savings actually come from
Carriers price the same driver very differently, because each one weights your age, ZIP code and claim history through its own model. That spread — often several hundred dollars a year for identical coverage — is the entire reason to shop.
Raising a comprehensive deductible from $500 to $1,000 typically cuts the premium noticeably, but only take it if you could absorb the higher deductible tomorrow without borrowing.
Quote the same coverage every time
Write down your current liability limits, deductibles and optional coverages before you start, then enter exactly those numbers with every carrier. Otherwise you are comparing a thinner policy with a cheaper price.
Ask about bundling, low-mileage, telematics and paid-in-full discounts explicitly. Several are not applied automatically on an online quote.
Where to check your own rate
Editorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.
Progressive
Compare rates from 12+ carriers
Get a quote
Rates vary by profile and state
GEICO
Often cheapest for good drivers
Get a quote
Rates vary by profile and state
State Farm
Largest insurer, local agents
Get a quote
Rates vary by profile and state
EverQuote
Compare 10+ insurers at once
Compare quotes
One form, multiple insurers
Rates shown are indicative or national averages. Your actual rate will depend on your credit score, income, loan amount and the provider’s current pricing. Think Bigger Today is not a lender, bank or insurer. The buttons above open each company’s official website in a new tab, or a partner link where one exists and is labelled as such. Whether a company pays us has no bearing on its data, its score or its position in the ranking above.
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Compare my quotesEditorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.
Frequently asked questions
How much is car insurance per year in the US?
The Insurance Information Institute puts the average annual expenditure at about $1,759. State, driving record, vehicle, annual mileage, credit-based insurance score and coverage level all move that figure sharply.
How often should I re-shop my auto insurance?
Once a year, and after any life event: a move, a new car, a teen driver, a marriage, or a ticket falling off your record. Loyalty is rarely rewarded in auto insurance pricing.
Does my credit score affect my premium?
In most states, yes. Insurers use a credit-based insurance score as a rating factor. California, Hawaii, Massachusetts and Michigan restrict or ban the practice.
Is the cheapest quote always the right one?
No. Compare like for like: liability limits, deductible, uninsured-motorist coverage and rental reimbursement. A cheap policy with state-minimum liability can leave you personally exposed after a serious accident.
Source: Insurance Information Institute, 2024 average expenditure.
Other comparisons
Think Bigger Today keeps its editorial standards independent of commercial relationships. This review was written by our team using publicly available information, including regulatory filings and published rate sheets. the named company did not review, approve or endorse it, and is not responsible for its accuracy. Companies that work with us commercially get no preferential coverage, scoring or placement. This page may link to our free matching service, for which we can be paid a referral fee — that fee never decides what we publish, and you may or may not be matched with the named company. Figures can change without notice; always confirm the current terms with the provider. Nothing here is financial, legal or tax advice.