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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Cheapest recent rates near Wilkes Barre, Pennsylvania
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $73/mo for full coverage in Wilkes Barre and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Wilkes Barre, Pennsylvania 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 Wilkes Barre, Pennsylvania 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.
Drivers in Wilkes-Barre pay an overall average of $138 per month for car insurance, similar to Pennsylvania’s state average of $143 per month and lower than the national monthly average of $160. Pennsylvania has a relatively small number of uninsured drivers, which could help keep rates low.
Here’s what you need to know about comparing quotes and saving money on your auto policy in Wilkes-Barre.
Quick Facts
When shopping for cheap car insurance in Wilkes-Barre, you’ll likely find the lowest prices with Mile Auto, State Farm, and Foremost.
Full-coverage and liability-only policies cost an average of $180 and $96 per month in Wilkes-Barre.
Pennsylvania is a “choice” no-fault state that allows drivers to use a tort system for additional insurance payouts in some cases.
3 of the cheapest car insurance companies in Wilkes-Barre
Finding the cheapest car insurance will depend on your specific needs. While some companies offer overall lower rates than others, you may find a different company better meets your coverage needs. Taking time to look at your options can help you make an educated decision that helps you save money and get the best coverage possible.
Here are a few of the cheapest policies available for drivers in Wilkes-Barre based on different situations.
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
$98
$52
Cheap rates
Travelers
4.5
$148
$79
Teen drivers
Foremost
3.7
$170
$68
Drivers with an accident
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.
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.
$53/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.
$97/mo
A well-established company in the insurance industry, State Farm provides some of the cheapest auto coverage in Wilkes-Barre. The company offers standard auto coverage options as well as some additional insurance products. State Farm advertises 10 available discounts for customers to save with, too.
Pros
AM Best financial strength rating of A++ (Superior)
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$81/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.
$115/mo
Travelers offer policies for home, auto, renters, and recreation vehicles. The company offers competitive rates, even for drivers with spotty records. And eligible teenagers can earn good student, student away-at-school, and driver training discounts.
This is a competitive company. My experience has been good. I purchased a new vehicle this past month. However, I think that my rate being raised from $189.00 for home and auto to around $370 is ridiculous, new vehicle or not.
Nancy - May 10, 2024
Verified
Do Not Do Business with Travelers Insurance
I would advise anyone seeking a recommendation not to do business with Travelers Insurance. I consider them to be a disreputable company. I had both my home and car insured with them and had no claims on either policy. However, they chose not to renew my homeowner's insurance. What's worse, they informed the mortgage company weeks before they informed me! They cited the reason as branches overhanging my roof. There were a couple of small branches from a neighbor's pine tree resting on the gutter. They did not give me any opportunity to correct this issue. I believe this was a malicious act.
Raymond Gary - April 21, 2024
Verified
Disappointed with the Outcome
We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.
Best insurer for drivers with an accident: Foremost
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.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
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.
$56/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.
$152/mo
Founded in 1952, Foremost initially offered insurance for mobile homes. Farmers Insurance purchased Foremost in 2000, which allowed Foremost to expand its services. The company now offers a wide range of insurance products, including mobile home insurance, auto insurance, and commercial auto products for small businesses.
Pros
AARP-endorsed mobile home and motorcycle coverage
Provides coverage for drivers who may otherwise have a tough time finding a policy
Cons
Frequent customer complaints about claim processing timelines
Auto insurance quotes not available online
How to get the cheapest car insurance in Wilkes-Barre
When you’re looking for cheap car insurance, you should consider a few different ways you can save money. Beginning the shopping process with some knowledge can help you get the best deal for the coverage you need.
Insurers consider several factors when determining insurance rates, including your driving record, age, location, vehicle type, and average mileage. For example, drivers in urban areas may pay elevated rates because accidents occur more frequently in heavy traffic.
If you want to save money on car insurance, try the following tactics:
Compare rates from multiple companies. Look at different rates and coverage types from at least three companies. Comparing rates helps ensure you get the best coverage for your needs.
Look for discounts through work or school. Check with your employer to see if it partners with specific companies for discounted policies. If you’re a student with good grades, you may also qualify for lower rates.
Improve your credit score. Insurance companies may use your credit history when determining your rates. You can improve your credit score by paying off debt, reducing your debt-to-income ratio, and paying your bills on time.
Find Cheap Car Insurance in Wilkes-Barre
Liability rates start at $52 per month
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Cheapest liability-only car insurance in Wilkes-Barre: Mile Auto
Liability insurance is often the cheapest coverage option for drivers. If you have a loan on your vehicle, your lender may require you to purchase full coverage. Liability insurance provides coverage for the other driver and their property if you cause injury or damage in an at-fault accident. It doesn’t cover you, your passengers, or your vehicle in an accident.[1]
In Wilkes-Barre, the average cost of liability-only insurance is $96 per month. The table below provides a list of insurance companies that offer the cheapest liability rates.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
52
State Farm
53
Foremost
56
Erie
62
National General
63
Auto-Owners
67
Safeco
70
Midvale Home & Auto
80
Travelers
81
GEICO
84
Progressive
84
The General
93
Allstate
94
Plymouth Rock
98
Direct Auto
100
Liberty Mutual
101
Dairyland
107
Nationwide
107
USAA
110
State Auto
113
Bristol West
126
Chubb
126
CSAA
166
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 Wilkes-Barre: Mile Auto
Full-coverage insurance provides the most coverage for your vehicle and passengers in an accident. This coverage includes collision insurance and covers both personal costs and costs to other parties. A full-coverage policy with comprehensive coverage also provides additional protections against damages from storms, debris, theft, or vandalism.
Monthly, Wilkes-Barre drivers pay an average of $180 for full-coverage policies.
If you lease or finance your car, your lender may require you to maintain a full-coverage policy until you pay off your vehicle. You also may want to consider a full-coverage policy to protect against costs associated with an accident if you don’t have the cash on hand to replace your vehicle. Find which insurance companies offer the cheapest rates for full coverage in the table below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
70
State Farm
97
Erie
113
Travelers
115
Safeco
117
Auto-Owners
121
Plymouth Rock
133
Midvale Home & Auto
135
Nationwide
140
Liberty Mutual
147
Foremost
152
GEICO
152
Progressive
153
Direct Auto
159
Allstate
171
State Auto
189
National General
195
CSAA
199
USAA
199
The General
219
Chubb
230
Infinity
231
Bristol West
234
Dairyland
251
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 Pennsylvania
Like most states, Pennsylvania requires drivers to maintain a minimum amount of liability coverage for their vehicle. If you’re pulled over without insurance, you’ll have to pay a fee of at least $300 and could face a license suspension. In addition to bodily damage and property damage liability, Pennsylvania drivers must pay for medical benefits coverage.
Medical benefits coverage pays for medical expenses for you and anyone else covered under your policy after an accident, regardless of fault.[2]
Pennsylvania is a choice no-fault state, which means drivers can decide whether they want to purchase tort coverage to help them get additional payouts from a driver responsible for an accident.
Coverage
Minimum Requirements
Bodily injury liability
$15,000 per person / $30,000 per accident
Property damage liability
$5,000 per accident
Medical benefits
$5,000 per accident
Optional coverages typically available in Pennsylvania include:
Uninsured/underinsured motorist (UM/UIM) coverage
This provides coverage to you and your passengers if you face injury from an accident caused by an uninsured or underinsured driver. UM/UIM stacking allows you to purchase uninsured and underinsured motorist coverage for multiple vehicles on one policy.
Income loss
This pays a portion of lost wages due to injuries from an auto accident preventing you from working.
Collision coverage
This coverage pays for repairs to your vehicle following an auto accident or collision with another object.
Comprehensive coverage
This covers costs associated with non-collision incidents, including damage from fire, vandalism, natural disaster, and more.[3]
Extraordinary medical benefits
This offers coverage for medical and rehabilitation costs that exceed $100,000.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record could pay a higher rate than drivers with a clean record. Insurers view drivers with a history of claims and incidents — like at-fault accidents, speeding tickets, DUIs, and other moving violations — as higher risk. Other events, like accidents you didn’t cause or parking tickets, don’t have much of an effect.
The type of incident on your record can affect how much your rate increases.
Find Car Insurance in Wilkes-Barre
Monthly rates start at $63 for drivers with an incident
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4.8/5
Cheapest car insurance for drivers with speeding tickets: Mile Auto
Drivers with a speeding ticket may pay slightly higher rates than drivers with a clean record. A history of speeding tickets could indicate to insurance companies that you’re a higher risk to insure.
Wilkes-Barre drivers with a ticket pay a monthly average of $122 and $228 for liability and full-coverage car insurance. The liability rates below are slightly higher than what a driver with a clean record would pay for the same policy.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
53
64
Foremost
56
75
Erie
62
77
National General
63
85
Auto-Owners
67
81
Safeco
70
86
Midvale Home & Auto
80
101
Travelers
81
99
GEICO
84
102
Progressive
84
102
The General
93
114
Allstate
94
114
Plymouth Rock
98
129
Direct Auto
100
123
Liberty Mutual
101
136
Dairyland
107
131
Nationwide
107
131
USAA
110
133
State Auto
113
150
Bristol West
126
152
Chubb
126
155
CSAA
166
208
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: Mile Auto
Insurance companies view drivers with an accident on their record as a higher-risk driver more likely to file future claims. If you have an accident, you’ll likely receive points on your driving record and see increased rates compared to drivers with clean records.
Drivers in Wilkes-Barre with an accident on their record pay an average of $130 per month for liability-only car insurance and $244 per month for full coverage.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
53
68
Foremost
56
79
Erie
62
82
National General
63
81
Auto-Owners
67
86
Safeco
70
88
Midvale Home & Auto
80
110
Travelers
81
106
GEICO
84
109
Progressive
84
111
The General
93
123
Allstate
94
122
Plymouth Rock
98
139
Direct Auto
100
133
Liberty Mutual
101
143
Dairyland
107
139
Nationwide
107
140
USAA
110
142
State Auto
113
162
Bristol West
126
160
Chubb
126
164
CSAA
166
225
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: Mile Auto
You’ll pay a significantly higher rate for insurance if you have a DUI In Pennsylvania, and you’ll also likely face license suspension or temporary revocation.
Though Pennsylvania doesn’t require SR-22 policies for drivers with a DUI conviction, the state does have strict laws that include fines, license suspension, probation, and mandatory alcohol treatment programs.[4] Drivers in Wilkes-Barre with a DUI pay a monthly average of $149 for liability policies and $280 for full coverage.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
53
86
Foremost
56
91
Erie
62
100
National General
63
102
Auto-Owners
67
108
Safeco
70
113
Midvale Home & Auto
80
129
Travelers
81
131
GEICO
84
136
Progressive
84
136
The General
93
150
Allstate
94
152
Plymouth Rock
98
141
Direct Auto
100
162
Liberty Mutual
101
163
Dairyland
107
173
Nationwide
107
173
USAA
110
178
State Auto
113
183
Bristol West
126
204
Chubb
126
204
CSAA
166
269
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: Mile Auto
Insurance companies consider your age when determining your auto premium. Costs generally decrease for drivers with age. In particular, you tend to benefit from low rates at age 35 and beyond until you reach 70. Senior drivers have higher crash death rates per mile driven, as well as potential physical barriers.[5]
Though senior drivers face slightly increased rates, you can still find affordable auto coverage. Senior drivers in Wilkes-Barre pay an overall average of $101 per month for car insurance.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Mile Auto
50
37
State Farm
70
38
Erie
79
43
Travelers
85
60
Safeco
88
53
Auto-Owners
89
49
Plymouth Rock
93
68
Midvale Home & Auto
96
57
Nationwide
98
75
Progressive
103
56
Liberty Mutual
109
75
Foremost
111
41
GEICO
113
63
Direct Auto
115
72
Allstate
129
71
State Auto
136
82
CSAA
146
122
National General
147
48
USAA
148
82
Chubb
158
87
The General
169
72
Bristol West
176
95
Dairyland
189
80
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
Insurance rates for teen drivers are much higher than premiums for older drivers since younger drivers are statistically more likely to have a serious car accident.
Average policies for teen drivers in Wilkes-Barre cost $224 per month. Teens may qualify for lower rates by staying on their parents’ insurance (including when they head off to college). Additionally, teens can save money by opting for a safer vehicle and getting good grades in school.
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
156
85
Erie
180
99
Auto-Owners
197
109
Travelers
197
138
Midvale Home & Auto
223
132
GEICO
225
125
Nationwide
226
173
Safeco
234
140
Foremost
255
94
Liberty Mutual
260
179
Progressive
263
144
Plymouth Rock
267
197
Direct Auto
276
174
Allstate
284
156
CSAA
309
258
USAA
312
173
State Auto
318
190
The General
335
142
National General
346
112
Bristol West
378
203
Dairyland
399
170
Chubb
402
220
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.
Find Car Insurance in Wilkes-Barre
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Wilkes-Barre car insurance quotes by credit tier
Pennsylvania allows insurance companies to use your credit history when initially determining your premium. Insurers can also use your credit history when you renew your policy, but only if doing so reduces your rates.[6]
Your credit score can affect your insurance rates because insurance companies may view your credit history as an indicator of your likelihood of filing claims. Drivers with excellent or good credit typically earn lower rates than people with poor credit.
The chart below shows the average rates drivers in Wilkes-Barre pay for full-coverage auto policies based on credit tier. The rates may vary depending on where you live and what insurance company you receive coverage from.
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 Wilkes-Barre?
On average, drivers in Wilkes-Barre pay $96 per month for liability insurance and $180 for full-coverage insurance. In comparison to the state average — with monthly average rates of $91 for liability only and $195 for full coverage — Wilkes-Barre drivers pay a similar amount.
Auto rates within Pennsylvania may also vary based on where you live. For example, drivers in Wilkes-Barre pay less than drivers in Philadelphia, Pittsburgh, Reading, and Allentown, on average. Wilkes-Barre may have lower auto rates than other areas of the state since the community has a population of just under 45,000.
More cities in Pennsylvania
Here’s how the average cost of car insurance in Wilkes-Barre compares to other Pennsylvania cities.
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.
Wilkes-Barre car insurance FAQs
Finding the right car insurance takes a little time. The following information should help you navigate the process of finding car insurance in Wilkes-Barre.
How much is car insurance in Wilkes-Barre?
Wilkes-Barre drivers pay an overall average of $138 per month for car insurance. Full coverage costs $180 per month, and liability coverage costs $96 per month. Your rates will depend on your driving history, age, insurer, coverage, and more.
Which company has the cheapest car insurance in Wilkes-Barre?
Mile Auto, State Farm, and Foremost have the cheapest car insurance rates in Wilkes-Barre. Their monthly rates start at $52, $53, and $56.
What are the best car insurance companies in Wilkes-Barre?
With an IQ Score of 4.6 out of 5, the cheapest auto rates by coverage level, and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Wilkes-Barre.
Erie and Travelers also earned high IQ Scores — of 4.6 and 4.5, respectively — and provide quality auto coverage.
Does Pennsylvania ever require SR-22 insurance?
No. Pennsylvania never requires SR-22 insurance, but drivers with a DUI conviction face penalties, including fines, license suspension, probation, and mandatory alcohol-treatment programs. All drivers in the state must maintain the minimum liability insurance.
Do you need a car to get around Wilkes-Barre, Pennsylvania?
Yes. Most people need a car to comfortably get around Wilkes-Barre. The city has some public transportation run by the Luzerne County Transportation Authority, but the routes don’t provide complete access throughout the city.
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.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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