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Last Updated on January 26, 2026
Car insurance is required for most drivers in the U.S., and it’s designed to protect you (and others) from the financial fallout of crashes, theft, and weather-related damage.
Even though coverage is mandatory in nearly every state, paying too much isn’t. Auto insurance prices have climbed in recent years, but one of the fastest ways to find a better deal is still the same: compare multiple quotes before you buy or renew.
That’s where Insurance Panda comes in. We help you compare personalized car insurance quotes in one place, so you can focus on picking the right coverage at the best price—without jumping between dozens of insurer websites.
Insurance Panda’s quote comparison tool connects you with top insurance providers across the United States. Start by entering your ZIP code at the top of this page. You’ll answer a brief questionnaire about yourself and the vehicle you want to insure, and then you can compare offers side by side.
Here’s what’s happening behind the scenes: once you submit your info, insurers evaluate it using their underwriting models and risk assessment calculations. They return quotes based on how likely they believe you are to file a claim—and how expensive that claim could be.
Because each company weighs rating factors differently, the “best” price can vary wildly from one insurer to the next. That’s exactly why comparing quotes is so effective.
Estimate your potential savings
Enter your current monthly premium to view an illustrative savings range — then compare real quotes by ZIP.
Not a quote: This quick estimator shows an illustrative savings range based on common shopping outcomes. Your actual rate depends on your vehicle, ZIP code, driving history, coverages, and more.
Ready for real quotes? Enter your ZIP code:
Tip: If you’re near renewal, run quotes early so you have time to compare.
You’ll usually get more accurate quotes (and fewer surprises later) if you have this information ready:
60-second prep check
Answer 6 quick questions to estimate how accurate your online quotes will be — and what to grab next.
VIN gives the cleanest match on trim & safety features.
DOB + license info (if required) for all household drivers.
Use where the car sleeps most nights (not your work ZIP).
Tickets/accidents/claims (rough dates help).
Liability limits + deductibles + add-ons (rental/roadside).
A declarations page helps you match limits & deductibles for apples-to-apples quotes.
Pick answers above to see your readiness score.
Car insurance premiums aren’t based on one single factor. Insurers typically rate you based on a mix of:
Below are some of the biggest quote factors insurers commonly use.
More expensive cars generally cost more to insure—especially if you carry collision and comprehensive coverage. The price and availability of parts, specialized labor, and repair complexity all matter. Some types of vehicles are naturally cheaper to insure than others. For instance, insurance for a high-performance luxury car is often very different from insurance for a common commuter model like a Honda Civic.
Insurers also consider how much damage your vehicle could cause in a crash. Larger, heavier vehicles can increase potential injury and property damage severity, which can impact liability pricing.
Safety matters. A vehicle with strong crash-test performance and modern safety technology can reduce the chance of severe injuries. Since insurers may need to pay for medical bills after an accident (depending on fault rules and coverages), safer vehicles can sometimes help keep premiums down.
Even “normal” vehicles can be expensive to fix now. Advanced sensors, cameras, and driver-assist systems can raise repair bills—so insurers price that risk in. Generally, widely available parts and common repair procedures help keep costs lower.
Auto insurance is regulated at the state level, which means pricing and required coverages vary widely. Some states have higher required limits, higher claim costs, more uninsured drivers, more severe weather losses, or higher litigation/medical expenses. If you live in a high-cost state, it’s common to see premiums that are thousands per year higher than low-cost states.
Insurance Panda has detailed explainers on why certain states tend to be pricey, including Michigan, Louisiana, and Florida.
Some states also operate under different claim rules, including no-fault insurance, which can change how injuries are handled after a crash.
Within the same state, rates can still vary by ZIP code due to factors like traffic density, theft/vandalism rates, claim frequency, and even repair shop costs.
A locked garage can reduce theft and weather exposure compared to street parking. Some insurers factor this into comprehensive pricing and offer discounts.
Coverage is one of the biggest levers you control. Buying state-minimum liability coverage is usually cheaper—but it may not be enough protection for many real-world accidents. “Full coverage” generally means you carry liability plus collision and comprehensive. Knowing when you should drop full coverage on your car can help you avoid overpaying as your vehicle ages.
Past behavior is a strong predictor of future claims. Drivers with clean histories typically pay less than drivers with recent accidents or tickets. Learn more about how your driving history affects your insurance rates.
In many states, insurers use a credit-based insurance score as one rating factor. It’s not the same as your FICO score, but it’s often related. Some states restrict or prohibit credit use in auto insurance pricing. Here’s a deeper explanation of what an insurance score is and why it matters.
Discount availability depends on the insurer and state, but common money-savers include bundling (auto + home/renters), safe-driver programs, paying in full, paperless billing, multi-car, good student, low-mileage, and certain vehicle safety/anti-theft discounts.
Younger drivers tend to pay the most, with rates often improving as drivers gain experience and maintain a clean record. Household factors can matter too—like whether you’re married or whether you qualify for certain bundles and perks based on being a homeowner.
Some companies offer discounts for students and certain education milestones. For example, some drivers save after finishing school—see whether college graduates pay less for car insurance. Some insurers also offer specialized programs like discount car insurance for graduate students.
Many major insurers offer optional telematics programs that base part of your price on your real driving behavior (mileage, braking, time of day, and more). Learn how telematics can help you save on auto insurance and what to consider before opting in.
Moving violations can raise rates for years. If you’re trying to keep prices manageable after a ticket, start here: how to find cheap auto insurance quotes even if you have a speeding ticket. More serious offenses—like a DUI—often cause bigger premium jumps than typical tickets. Other events and citations can matter too, including traffic violations that affect insurance premiums.
Generally, the more you drive, the higher your exposure to risk. If you drive less than average (remote work, retirement, second car, etc.), you may qualify for lower rates. Learn how total mileage impacts your car insurance rates and whether reporting your actual mileage could lower your quote.
State minimums are often shown in a three-number format like 25/50/25. That typically means:
Important: Many states also require other coverages (like PIP and/or uninsured motorist coverage). And average prices change frequently—use the table below as a benchmark, not a promise of what you’ll pay.
Last updated: January 2026. Benchmarks shown are averages and may change frequently.
| State | Minimum Liability Requirement (BI/BI/PD) | Avg. Annual Cost (Full Coverage)* | Avg. Annual Cost (Minimum Coverage)* |
|---|---|---|---|
| Alabama | 25/50/25 | $2,055 | $501 |
| Alaska | 50/100/25 | $2,478 | $513 |
| Arizona | 25/50/15 | $2,771 | $828 |
| Arkansas | 25/50/25 | $2,410 | $495 |
| California | 30/60/15 | $3,108 | $915 |
| Colorado | 25/50/15 | $3,225 | $569 |
| Connecticut | 25/50/25 | $2,700 | $1,057 |
| Delaware | 25/50/10 | $2,931 | $1,074 |
| Florida | PIP $10k + PDL $10k (BI not required for most drivers) | $3,864 | $1,047 |
| Georgia | 25/50/25 | $2,863 | $1,006 |
| Hawaii | 20/40/10 | $1,650 | $403 |
| Idaho | 25/50/15 | $1,442 | $375 |
| Illinois | 25/50/20 | $2,479 | $688 |
| Indiana | 25/50/25 | $1,720 | $446 |
| Iowa | 20/40/15 | $1,939 | $330 |
| Kansas | 25/50/25 | $2,497 | $579 |
| Kentucky | 25/50/25 | $2,658 | $735 |
| Louisiana | 15/30/25 | $3,954 | $1,014 |
| Maine | 50/100/25 | $1,631 | $418 |
| Maryland | 30/60/15 | $2,917 | $1,037 |
| Massachusetts | 25/50/30 | $2,058 | $711 |
| Michigan | 50/100/10 | $3,193 | $901 |
| Minnesota | 30/60/10 | $2,568 | $717 |
| Mississippi | 25/50/25 | $2,318 | $525 |
| Missouri | 25/50/25 | $2,495 | $635 |
| Montana | 25/50/20 | $2,355 | $400 |
| Nebraska | 25/50/25 | $2,406 | $519 |
| Nevada | 25/50/20 | $3,639 | $1,086 |
| New Hampshire | No requirement (if insured: 25/50/25) | $1,735 | $465 |
| New Jersey | 35/70/25 | $3,008 | $1,303 |
| New Mexico | 25/50/10 | $2,160 | $450 |
| New York | 25/50/10 | $4,031 | $1,729 |
| North Carolina | 50/100/50 | $1,955 | $661 |
| North Dakota | 25/50/25 | $1,799 | $397 |
| Ohio | 25/50/25 | $1,806 | $482 |
| Oklahoma | 25/50/25 | $2,737 | $557 |
| Oregon | 25/50/20 | $2,198 | $911 |
| Pennsylvania | 15/30/5 | $2,386 | $521 |
| Rhode Island | 25/50/25 | $2,959 | $910 |
| South Carolina | 25/50/25 | $1,955 | $625 |
| South Dakota | 25/50/25 | $2,277 | $370 |
| Tennessee | 25/50/25 | $1,991 | $504 |
| Texas | 30/60/25 | $2,601 | $747 |
| Utah | 30/65/25 | $2,098 | $802 |
| Vermont | 25/50/10 | $1,489 | $322 |
| Virginia | 50/100/25 | $2,142 | $756 |
| Washington | 25/50/10 | $1,895 | $576 |
| Washington, D.C. | 25/50/10 | $2,178 | $551 |
| West Virginia | 25/50/25 | $1,921 | $454 |
| Wisconsin | 25/50/10 | $1,759 | $263 |
| Wyoming | 25/50/20 | $2,802 | $866 |
*Average costs shown are benchmarks based on quoted premium studies and can change often. “Full coverage” here reflects a higher-liability policy with collision and comprehensive; “minimum coverage” reflects state-minimum style coverage. Your actual price depends on your unique driver/vehicle profile, credit factors where allowed, and insurer underwriting.
If your quotes feel too high, these tactics are usually the most effective:
Bundling is often one of the biggest “stackable” discounts because it lowers the insurer’s cost to keep you as a customer. Even if the bundled premium isn’t the cheapest for one policy, the combined total can be better.
Insuring two or more vehicles on the same policy can reduce the per-vehicle premium and simplify billing. It can still help even if one driver is higher risk, since the discount applies across the policy.
Usage-based programs price part of your premium based on driving behavior (and sometimes mileage), which can help safe drivers. Common scoring factors include rapid acceleration, hard braking, phone handling, and late-night driving.
Paying the full term up front can reduce installment fees, and autopay/paperless billing can shave off a little more. These discounts are usually small, but they’re easy wins if they fit your budget.
If a teen or college driver is on the policy, good-student discounts (often based on GPA/class rank) can help. Student-away programs may apply when the student is away at school without regular access to the insured vehicle.
If you drive less due to remote work, retirement, or a second car, you may qualify for low-mileage discounts. In some states/companies, pay-per-mile policies can be a strong fit for very low annual mileage drivers.
Many insurers reward clean driving history and “no claims” periods with meaningful discounts. The lookback window varies, but keeping a steady record over time can reduce premium creep.
Some insurers offer discounts if you complete an approved defensive driving class—especially for mature drivers or certain states. Savings vary, and eligibility rules can be specific.
Safety tech (like automatic emergency braking, lane assist, airbags) and anti-theft devices can reduce the likelihood or severity of claims. Discounts can depend on the insurer correctly identifying your trim and installed equipment.
Some carriers offer discounts for newer vehicles or original owners, since newer cars may have better safety tech and fewer unknown maintenance issues. These discounts can fade as the vehicle ages.
Even if you don’t bundle home/renters, adding another policy type (like an umbrella policy or another vehicle category) can trigger multi-policy savings. This varies by insurer and state.
Some insurers offer discounts for specific groups—military families, educators, first responders, certain employers, alumni associations, or membership organizations. They’re not universal, but they’re easy to ask about.
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