How to Compare Car Insurance Rates 2025

Comparing rates and ratings for car insurance companies can help you find the best company for your needs. You can also tailor your quote by adding coverages. Some car insurance companies offer optional coverages that other companies don’t offer.

Compare cheapest car insurance companies

State Farm is the cheapest car insurance company for most drivers. It charges $134 a month for full-coverage car insurance, on average, and $55 a month for liability-only coverage.

Erie and Country Financial are cheaper than State Farm. However, neither company is available in every state. 

USAA has the cheapest car insurance overall, but it’s only available to the military community and their families.

Annual car insurance rates by company

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Compare car insurance customer service ratings

State Farm, USAA and American Family all have great customer satisfaction ratings from J.D. Power. They also have low complaint index ratings from the National Association of Insurance Commissioners (NAIC) and great scores from LendingTree’s own ratings.

We rated car insurance companies based on their cost, discounts, coverage, usability and third-party ratings.

Auto insurance company ratings

Sources: J.D. Power 2024 U.S. Auto Insurance Study (regional averages) and National Association of Insurance Commissioners (2023 data).

J.D. Power’s 2024 Auto Insurance study evaluates customer satisfaction based on price, convenience, coverages and other factors. Higher scores are better.

NAIC’s complaint ratings measure complaints from insurance companies. A company with a lower score gets fewer complaints than expected of a company of its size.

Compare car insurance discounts

The price tied to your car insurance quote is only the beginning. Insurance companies can offer different types of discounts and savings. You may be able to make your policy cheaper if you qualify for one or more discounts.

Some of the most common car insurance discounts that could save you money are:

• Multi-policy discount: Many insurers will lower your premium if you bundle more than one policy with them. This could mean a car and home insurance policy, car and renters insurance or even car and boat insurance. Some insurers call this a multiline or bundling discount.
• Multi-car discount: If you insure more than one vehicle with the same insurance company, you may get a discount.
• Anti-theft discount: You may earn a discount if your car has a theft-prevention device or system.
• Defensive driving discount: Some insurance companies will discount your rate if you take a defensive driving course. However, they often limit the discount to drivers 55 and older, so contact your insurer for more info.
• Good student discount: If you’re a student and get good grades, you might get a discount.

Drivers with speeding tickets or accidents on their records usually pay more for car insurance than those with clean records.

A speeding ticket on your record raises your car insurance rate by 23%, on average. An accident can increase your rate by 50%, and a DUI can increase your insurance rate by 85%.

Although most insurance companies will raise your rate if you don’t have a clean record, they can weigh these risks differently. This means that your rate may not go up significantly if you have a bad driving record, depending on the insurance company.

Insurance rates by driving record

We recommend comparing your car insurance rate and coverage at least every 12 months.

If your driving record changes or you update your policy, your car insurance rate may go up. Insurance companies can also change their policies, which might impact your car insurance rate.

You may find that another company will give you a cheaper rate for the same coverage you have now.

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Minimum-liability policies provide liability coverage with the state’s required minimum limits.

Full-coverage policies include collision, comprehensive and liability coverage:

• Bodily injury liability: $50,000 per person, $100,000 per accident
• Property damage liability: $25,000
• Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
• Uninsured and/or underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
• Personal injury protection: Minimum limits, where required by law
• Collision: $500 deductible
• Comprehensive: $500 deductible

Overall satisfaction ratings are from the J.D. Power 2024 U.S. Auto Insurance Study. Complaint ratings are based on NAIC data from 2023.

Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings and app / website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.

*USAA is only available to current and former members of the military and their immediate families.