8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Save up to $717 by comparing quotes from the top 100+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Madison, Mississippi
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $71/mo for full coverage in Madison and other Mississippi cities.
*Quotes generated for Insurify users in and around Madison, Mississippi within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Madison, Mississippi within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Less than a 30-minute drive to the state’s biggest city, Madison combines the comfort of a small community with the convenience of a big city. But the proximity to a large city comes at a price. Car insurance in Madison, Mississippi, costs an average of $141 per month, higher than the state average of $138.
You can take steps to find cheap car insurance and find the right coverage, though. Some of the city’s best insurers, like State Farm, USAA, and Safeco, have insurance costs that are nearly half the city’s average. Here’s what you need to know about finding cheap car insurance in Madison.
Quick Facts
Drivers in Madison will find the cheapest liability-only and full-coverage auto insurance policies from State Farm.
Madison drivers pay an average of $77 per month for liability only and $205 for full coverage.
Mississippi insurers can use your credit information when determining your car insurance premiums.
3 of the cheapest car insurance companies in Madison
As a driver in Madison, you can find the best car insurance options from State Farm, USAA, and Allstate. Your finances and the type of coverage you need will help determine which company is the best fit.
As you search for insurance in Madison, consider your budget, driving record, and coverage needs.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.6
$71
$36
Cheap rates
USAA
4.7
$74
$37
Military members
Allstate
4.4
$117
$58
Pay-per-mile coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$75/mo
State Farm has been in business for more than 100 years and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts.
The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance
May not be the cheapest choice for drivers with violations
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$77/mo
In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products and banking, investing, and retirement services.
Auto insurance customers have access to a number of discounts, including bundling, insuring multiple vehicles, living on a military base, and more. AM Best gave USAA an A++ rating for financial strength, but customer reviews are mixed for service and claims processing.
Pros
High customer satisfaction, especially for customer service
Low premiums
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.
Herb - May 14, 2024
Verified
Frustration
It's hard to get them to access my accounts - it's also difficult to set up passwords.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$122/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from AM Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites and a slightly higher-than-average complaint rating on the NAIC complaint index.
Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and a good payment history.
Pros
Well-established with superior ratings from AM Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
They increased my rates with an unsatisfactory explanation about 'raising everyone's rates due to the number of claims in Colorado.' Rates should be raised on people who turn in claims, not safe drivers with no claims.
They increased my rates with an unsatisfactory explanation about 'raising everyone's rates due to the number of claims in Colorado.' Rates should be raised on people who turn in claims, not safe drivers with no claims.
Patrick - May 15, 2024
Verified
Let Down
It's a great insurance company, but they are dropping me because of two accidents, both of which were not my fault. I would not recommend signing up with All State.
…
How to get the cheapest car insurance in Madison
Different factors influence how much you pay for car insurance. Some deciding factors, like age and location, are out of your control, but you can take steps to lower your car insurance costs.
The following strategies can help you get the most competitive car insurance rates:
Compare quotes. It’s critical to compare quotes from multiple insurers before you move forward with a policy. You can compare quotes online or call the insurer and provide your mileage estimate, car information, phone number, email address, and other contact information.
Choose a safer car. The type of car you drive affects how much you pay for car insurance. You can typically pay less if you select a car with enhanced safety features.
Research discounts. Learn about the available discounts and ask your car insurance agent or licensed representative to check if you qualify for any on your list. Insurers offer various discounts, including safe driving, customer loyalty, and referrals.
Strategize coverage amounts. Understand the type of insurance you have. Read the coverage limits in your current policy. You don’t want your limits to be too high or too low. For example, you could choose a lower amount if you have an older car that isn’t worth as much.
Cheapest liability-only car insurance in Madison: State Farm
Mississippi, like most states, mandates that drivers have liability car insurance.[1] The coverage protects you if you cause an accident. Still, it only helps with repairs and medical expenses for the other driver and their passengers. It doesn’t help pay for damages to your vehicle.
Madison residents pay an average monthly rate of $77 for liability-only car insurance. Here are some of the best rates for liability coverage in Madison.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
38
USAA
39
Safeco
60
Allstate
61
GAINSCO
61
Progressive
62
Nationwide
63
GEICO
64
National General
69
Travelers
74
Shelter
95
Clearcover
98
Direct Auto
100
Liberty Mutual
100
Foremost
104
Dairyland
110
Midvale Home & Auto
110
Bristol West
121
The General
143
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Madison: State Farm
Full-coverage car insurance provides drivers with liability coverage and meets the state-minimum requirements for car insurance. It also includes comprehensive and collision, which can help pay for your car repairs if you’re in an accident.
On average, full coverage costs Madison drivers $205 per month. Below are some of the cheapest options for full-coverage auto insurance in Madison.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
75
USAA
77
Safeco
119
Allstate
122
Progressive
123
GEICO
128
Nationwide
132
Travelers
137
Clearcover
164
National General
167
GAINSCO
174
State Auto
185
Shelter
188
Midvale Home & Auto
200
Liberty Mutual
203
Direct Auto
208
Bristol West
254
Foremost
261
The General
267
Dairyland
268
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Mississippi
The state of Mississippi requires drivers to have liability insurance to ensure that they can cover the expenses associated with an accident. Drivers must have coverage for bodily injury and property damage.
As an at-fault state, Mississippi law requires the driver who causes the accident to pay for the associated repairs and medical expenses.[1]
Here are the minimum-coverage amounts for drivers in Mississippi:
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
Even though state-mandated coverage provides some financial protection, you may want additional coverage in the form of extra policies or higher limits. For example, if you cause an accident and the other car is totaled, it might cost more than $25,000 to replace, leaving you responsible for the costs.
Also, lenders usually require collision and comprehensive coverages as a condition of purchase if you finance a car.
Here are standard coverage options that extend beyond the state requirements for Mississippi:
Comprehensive coverage
If your car is damaged due to something other than a collision, comprehensive coverage helps pay for repairs.
Collision coverage
If you’re responsible for a car crash, collision coverage helps pay for your repairs.
Glass coverage
If there’s damage to your windows or windshield, this coverage helps pay for repairs.
Gap coverage
If you finance your car and the amount you owe is more significant than what the car is worth, gap coverage helps pay the difference if your vehicle is totaled.
Keep in Mind
As you determine the type and amount of coverage you need, factor in your budget, the cost of your vehicle, your deductible, and other elements of your finances.
Cheapest car insurance for drivers with an incident
Your driving record affects your car insurance rates. Violations like speeding, driving under the influence (DUI), and at-fault accidents cause policy changes, including increased rates.
It’s possible to find insurance companies offering competitive rates after an incident, but comparing rates to find the best deal is important. Here’s how you can expect your rates to increase after specific driving incidents in Madison.
Find Car Insurance in Madison, MS
Rates start at $49 for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets indicate to insurers that you’re more likely to file a claim due to reckless driving. Because of that, tickets cause your car insurance rates to increase, but you can still find solid pricing.
Madison drivers with a speeding ticket face an average monthly cost of $117 for liability-only coverage and $313 for full coverage. Here are some of the cheapest liability-only car insurance quotes for drivers with speeding tickets in the city.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Record
With Ticket
State Farm
38
51
USAA
39
52
Safeco
60
82
Allstate
61
82
GAINSCO
61
90
Progressive
62
83
Nationwide
63
85
GEICO
64
86
National General
69
102
Travelers
74
100
Shelter
95
133
Clearcover
98
133
Direct Auto
100
136
Liberty Mutual
100
148
Foremost
104
154
Dairyland
110
149
Midvale Home & Auto
110
153
Bristol West
121
161
The General
143
194
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
When you cause an accident, it appears on your driving record as an at-fault incident. It’s usually visible on your record for a few years, which means that your insurance rates are generally more expensive during that time as a result.
In Madison, drivers with at-fault accidents average $122 per month for liability-only auto insurance and $324 for full coverage. Below are some of the lowest monthly minimum-coverage rates for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Record
With Accident
State Farm
38
53
USAA
39
55
Safeco
60
82
Allstate
61
86
GAINSCO
61
83
Progressive
62
89
Nationwide
63
89
GEICO
64
90
National General
69
97
Travelers
74
105
Shelter
95
139
Clearcover
98
146
Direct Auto
100
144
Liberty Mutual
100
153
Foremost
104
159
Dairyland
110
155
Midvale Home & Auto
110
163
Bristol West
121
168
The General
143
205
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A driving under the influence (DUI) violation causes your car insurance rates to increase. Drunk driving can also lead to other severe consequences, like jail time, license suspension, and non-renewal of your insurance policy. It can be stressful to navigate auto insurance after a DUI, but some insurers specialize in high-risk coverage.
The overall average monthly cost of car insurance with a DUI in Madison is $137 for liability-only coverage and $365 for full coverage. Here are some of the lowest liability-only car insurance quotes for drivers with a DUI in the city.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Record
With DUI
State Farm
38
66
USAA
39
67
Safeco
60
104
Allstate
61
105
GAINSCO
61
105
Progressive
62
107
Nationwide
63
109
GEICO
64
111
National General
69
119
Travelers
74
128
Shelter
95
164
Clearcover
98
169
Direct Auto
100
173
Liberty Mutual
100
173
Foremost
104
180
Dairyland
110
190
Midvale Home & Auto
110
190
Bristol West
121
209
The General
143
247
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age significantly affects how much you pay for car insurance. Rates decrease steadily throughout adulthood and are usually the lowest around retirement age. But once drivers hit age 70, rates change again, and drivers can expect an increase.
Madison seniors can find liability rates as low as $57 per month and full-coverage rates for as low as $151 per month. Below are average monthly car insurance quotes for senior drivers in the city.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
55
28
USAA
58
29
Progressive
83
42
Safeco
90
46
Allstate
92
46
Nationwide
93
44
GEICO
96
48
Travelers
101
55
Clearcover
123
74
Shelter
124
63
National General
127
52
GAINSCO
134
47
Midvale Home & Auto
143
79
Direct Auto
151
72
Liberty Mutual
151
74
Bristol West
192
91
Foremost
192
77
Dairyland
203
83
The General
207
111
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenage drivers usually pay the most for car insurance out of all age groups due to their inexperience. Insurers view them as more likely to file a claim and charge them higher rates to account for that extra risk.
If you’re a parent who needs insurance for a teenage driver in your family, try different strategies to lower the costs — choose a car with enhanced security features and encourage your teenager to qualify for good student discounts. But most importantly, gather quotes from multiple insurers, ask questions, and compare options for the best deal. Teen drivers in Madison pay an average of 163 per month for liability-only coverage and 434 per month for full coverage.
Here are some of the cheapest insurers for teenage drivers in Madison.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
139
70
USAA
140
71
GEICO
221
111
Allstate
232
116
Progressive
242
122
Nationwide
246
117
Safeco
267
135
Travelers
268
145
National General
337
139
GAINSCO
339
119
Clearcover
344
206
Shelter
353
179
Midvale Home & Auto
379
209
Liberty Mutual
409
202
Direct Auto
412
198
Bristol West
472
225
The General
474
254
Dairyland
492
202
Foremost
503
200
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Madison
Comparing rates can save you up to $717 annually
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Madison car insurance quotes by credit tier
As a driver in Mississippi, your credit history affects your car insurance rates. Insurance companies consider credit as a risk factor when determining rates.[2]
Insurers consider you riskier to insure if you have poor credit. As a result, your insurance costs more. But the reverse is also true — if you have excellent or good credit, you typically pay less for car insurance.
Here’s what you can expect to pay in Madison based on your credit score category.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Madison?
Car insurance costs an overall average of $141 per month in Madison, compared to the national average of 160 per month.
Compared to cities in Mississippi that are similar in size, Madison drivers tend to pay slightly more for car insurance. But even within the same city, your car insurance costs can vary from one area to the next.[3] For example, drivers who park in a garage typically pay less than drivers who park on the street.
More cities in Mississippi
As the 11th-largest city in the state, Madison is a relatively small city. Drivers in larger cities can typically expect to pay more for car insurance. But Madison’s proximity to Jackson, the largest city in the state, likely influences the city’s car insurance rates, which are higher than the state average.
Drivers in similarly sized cities, like Oxford, can expect to pay slightly less for car insurance since they’re further from a major metropolis.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Madison car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Madison.
How much is car insurance in Madison?
Car insurance in Madison costs $141 per month, on average. Drivers pay an average of $205 per month for full-coverage insurance and $77 per month for liability coverage.
Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
What are the best car insurance companies in Madison?
State Farm is the best car insurance company in Madison, with an Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A++ (Superior).
Of the insurers Insurify has rate data for, other top choices include Allstate and USAA.
Which company has the cheapest car insurance rates in Madison?
State Farm has the cheapest car insurance in Madison, with liability rates averaging $38. You can also find low rates with USAA and Safeco, which have liability-only rates of $39 and $60, respectively.
What is the minimum auto insurance required in Mississippi?
All drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $25,000 per accident in property damage liability insurance.
Is car insurance mandatory in Mississippi?
Yes. All drivers must carry car insurance in Mississippi.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.