You can get car insurance from several types of providers, including direct insurers that you contact online or by phone, independent insurance agents who work with multiple companies, and captive agents who represent a single insurer, like State Farm or Allstate. The best way to find the right policy is to compare quotes from at least three different sources.
The table below compares average annual full-coverage premiums from top insurers, but your actual rate will depend on your personal profile.
| Insurance Company | Average Annual Premium (Full Coverage) | Discounts Highlighted | Best For |
|---|
| State Farm | $1,500 | Drive Safe & Save™ program, multi-policy | Overall satisfaction |
| Geico | $1,300 | Multi-vehicle, good driver | Budget-conscious drivers |
| Progressive | $1,450 | Snapshot® usage-based program | Drivers with varied records |
| USAA | $1,100 | Multi-policy, safe driver (military) | Military members & families |
| Allstate | $1,600 | Safe Driving Bonus®, new car discount | Those wanting a local agent |
Your driving history is a primary factor. A clean record with no accidents or traffic violations will get you the lowest rates. Conversely, a DUI or at-fault accident can more than double your premium. Where you live also heavily influences cost due to local traffic density, theft rates, and state insurance regulations.
Liability coverage is legally required in most states and covers injuries and property damage you cause to others. I recommend getting more than your state's minimum. Collision pays for damage to your car from an accident, and comprehensive covers non-collision events like theft or hail. If you have a loan or lease, your lender will require both.
Start by getting quotes online from major direct insurers. Then, contact an independent agent who can shop your details with several companies they work with. This two-pronged approach ensures you see a wide range of options.
