$2,578
/ year
National avg. full coverage / year
Drivers can get rates as low as $40/month
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Enter your ZIP code and answer a few quick questions to get matched with top providers in your area. You could be eligible for rates as low as $40/month.
What car insurance actually costs right now
Rates vary more than most people expect - by state, by car, and especially by carrier. These figures are updated quarterly so you're always seeing current data.
$600-$1,000
Typical carrier gap - same driver, same car
~18%
Avg. premium increase, past 12 months
Source: insure.com, April 2026. Figures are national averages and vary by state, vehicle, and driver profile.
Even though insurance costs are on the rise, you could still save hundreds of dollars by taking a little time to shop around and compare car insurance rates. In our March 2026 analysis, POND found that drivers could overpay for car insurance by an average of $4,914 per year by not comparing rates.
Shopping around could also help you find the company with the best rates for you at that moment. Insurance companies change their rates regularly, so the policy that was the best deal a while back, or even just a few months ago, may not be your best option anymore. And because car insurance companies set their prices differently for every driver, the cheapest insurer for your friend or family member might not be the cheapest for you.
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Where can you find the best car insurance quotes?
POND's team of editors found that Travelers has the best car insurance rates among large insurers, on average, according to our March 2026 analysis. But it's more complicated than just looking for the cheapest price. Three factors could determine which quotes are best for you.
Cost.
Car insurance rates are different at every company, which is why we recommend getting more than one quote. Travelers has the best rates for good drivers at $1,665 per year for a full coverage policy, but those same drivers pay an average of $4,007 a year for comparable coverage from Farmers.
Coverage.
The best car insurance quotes are for the coverage you actually need. Often the low-low rates you see displayed are only for your state's minimum coverage amounts, which usually pay only for damage you cause to other drivers. Most people actually need more. For example, a full coverage policy, which typically includes liability, comprehensive, and collision coverage, will pay for damages you cause to others in an accident as well as damage to your own vehicle.
Quality.
The company with the best quotes for you should combine affordable coverage with a dependable, time-tested reputation for excellent customer service.
POND regularly analyzes millions of car insurance rates to show you estimates of what you might pay in different scenarios and for different levels of coverage. We can help you see which companies may have the best car insurance rates for you, though the insurer with the best rates for you won't necessarily have the best rates for everyone.
Since rates change so much from person to person, the more detail you provide insurers about your driving record, your car, and the other drivers in your household, the more personalized your quotes will be. Then you can compare quotes to see which company has the best rate for you.
Questions people ask before they compare
Get Car Insurance Quotes in Minutes
Enter your ZIP code and answer a few quick questions to get matched with top providers in your area. You could be eligible for rates as low as $40/month.
