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This unbiased guide — written by insurancetxs experts — explains the factors that affect car insurance premiums and offers tips to help you compare quotes and find the right policy for your needs.
Car insurance rates vary by person and by company. Who you pick as your insurance provider can be just as impactful as your driving record.
It is recommended to compare auto insurance quotes from different companies every six months.
The fastest way to get multiple quotes is with independent agents or comparison websites.
insurancetxs is both an independent insurance agency and a comparison website. Whether you’re ready to compare car insurance or just looking for a quick answer, insurancetxs is here to help.
Your driving record, your vehicle, and where you live are major factors that affect car insurance rates. But who you choose to insure your vehicle is just as important.
For example, below are the average rates for a 30-year-old male driver with full coverage.
If you want me to make it more formal, casual, or add something else, just let me know!
| Company | Avg. 6 Mo. Premium |
|---|---|
| Allstate | $1,206 |
| Farmers | $893 |
| GEICO | $771 |
| Nationwide | $738 |
| Progressive | $941 |
| State Farm | $785 |
| USAA | $683 |
Source: insurancetxs
Sometimes an insurance company is cheap for a reason. After an accident, it’s not the time to regret choosing a provider with poor customer service or a weak claims record. Before purchasing a policy, be sure to review national and regional ratings—like the insurancetxs Satisfaction Survey—to make an informed choice.
Regardless of how you obtain car insurance rates, you’ll need the following information ready:
Personal information — including your date of birth, driver’s license number*, and address
Driving and insurance history of all drivers on the policy
Vehicle information for all vehicles, including the VIN*
Payment details — if this is your first policy, a down payment is usually required before the policy is finalized
*Note: You can get a quote without a VIN or driver’s license number, but you won’t be able to purchase your policy without them.
The benefit of using online insurance comparison sites is clear: you avoid the tedious process of requesting quotes from many different companies.
However, be cautious—many popular sites aren’t true comparison tools but lead aggregators. They collect and sell your data to insurance companies, who may then contact you repeatedly in pursuit of your business.
To avoid spam emails, texts, and calls, carefully review the website’s privacy disclosures and how they make money. We recommend choosing websites or companies that are independent insurance agents. Independent agents are licensed and authorized to write policies from multiple insurance providers, offering you genuine options and personalized service.
This is exactly what insurancetxs offers. With our comparison tool, you fill out just one form to receive multiple quotes — all on a single page. Our team of independent insurance agents partners with over 100 companies across the U.S. Together, we help you compare policies by price and coverage level.
insurancetxs does not partner with lead generation sites. We never sell your information. We earn money by helping you get insured, but we won’t sell you a policy if you already have the right coverage at the best price.
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Gabi compares quotes from over 40 companies, offering a quick 5-minute process per product, with options to purchase online or by phone.
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Insurify partners with top insurers and connects customers with licensed agents through its in-house agency. However, a phone number is required to receive quotes.
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Compare.com allows users to compare insurance quotes, but it may provide limited results and share your information with third parties, which could lead to unwanted contact.
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Get 4 expert tips on comparing rates, plus access to a price tracker that automatically finds your best deal.
We’ve talked about the big reasons why you should compare, but now we’ll talk about who you are and how that impacts what you’ll pay for car insurance.
We will outline in more detail the impact your age, driving history, and credit score impact your rates. It is worth noting there are other factors you should keep in mind:
| Company | Avg. 6 Mo. Premium |
|---|---|
| Farmers | $1,139 |
| USAA | $863 |
| Progressive | $1,224 |
| Allstate | $1,542 |
| State Farm | $1,045 |
| GEICO | $936 |
| Nationwide | $982 |
Source: insurancetxs
Rates change as drivers age. If you’re looking for more information about how your age can impact your car insurance, check out our guides below:
Insurance companies use your previous driving history as a predictor for future driving behavior. Speeding tickets, DUIs, and at-faults accidents can be “chargeable” offenses on your driving record for 3-10 years (depending on your state). If you have any of these or similar driving violations, shopping around as often as possible is pivotal.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $864 |
| Travelers | $926 |
| American Family | $949 |
| State Farm | $974 |
| Nationwide | $1,036 |
| GEICO | $1,115 |
| Farmers | $1,148 |
| Progressive | $1,404 |
| Allstate | $1,675 |
Source: insurancetxs
Driving infractions can have a serious impact on your car insurance. insurancetxs has put together the following handy guides on how your insurance is impacted by certain driving violations.
More and more states are banning credit scores as a rating factor for auto insurance. However, it’s still a pretty common practice. Historical claims data tells insurance companies that drivers with poor credit tend to file costlier claims more frequently.
Below you can select your credit level to compare rates from top auto insurance companies in the US.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $731 |
| Travelers | $743 |
| Nationwide | $810 |
| GEICO | $822 |
| American Family | $847 |
| State Farm | $912 |
| Farmers | $954 |
| Progressive | $1,056 |
| Allstate | $1,287 |
Source: insurancetxs
Data Methodology. insurancetxs Dynamic Insurance Rating Tool
Anonymized User Survey. insurancetxs