Use the insurance MGM, insurance comparison tool to see rates from GEICO, Progressive, Nationwide, Liberty Mutual, and Allstate (+100 other companies).
This unbiased guide — written by insurance MGM 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.
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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.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Allstate | $1,206 |
| Farmers | $893 |
| GEICO | $771 |
| Nationwide | $738 |
| Progressive | $941 |
| State Farm | $785 |
| USAA | $683 |
Source: insurance MGM
Although the driving profile is the same, there can be hundreds of dollars difference in premiums between the cheapest and most expensive companies. This price gap highlights why comparing multiple providers is so important. Even if your driving profile and vehicle remain unchanged, the rates companies charge for their services can vary significantly.
Of the companies listed above, USAA is among the cheapest but also the most exclusive. USAA is available only to military members and their families — so while the lower premium is attractive, not everyone qualifies.
Although Allstate tends to be more expensive, it doesn't have occupation restrictions and is one of the largest and most reputable insurance companies. For many customers, the peace of mind and access to local agents make the higher cost worthwhile.
Beyond services, a company's rates may be higher due to simple economics. If an insurer paid out more in claims than it collected in premiums, it might raise rates the following year to balance its books.
Even if you haven't filed a claim, your rate can still increase because the insurance company's overall cost of doing business went up. In fact, 43% of customers who use our service say they feel they are paying too much with their current provider.
Tip: Price isn't everything — also consider the company's reputation and customer service.
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 insurance MGM Satisfaction Survey — to make an informed choice.
Regardless of how you obtain car insurance rates, you'll need the following information ready:
*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.
Tip: Don't "forget" to mention that speeding ticket — honesty helps keep your policy valid and avoids surprises later.
It's important to be as accurate as possible when requesting quotes. The more honest you are during this process, the more accurate your final rate will be. If you omit a ticket or accident to try to get a cheaper premium, insurance companies usually find out later and adjust your rate when they finalize your policy.
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 insurance MGM 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.
insurance MGM 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.
Start the process online or call to speak with one of our agents. Our in-house agency is licensed to write policies with many leading insurance companies.
Insurance Financial Management leads the way in simplifying insurance shopping, but we're not alone in this growing space. Explore how Gabi, Insurify, and Compare.com approach insurance comparisons and carrier reviews.
Gabi compares quotes from over 40 companies, offering a quick 5-minute process per product, with options to purchase online or by phone.
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.
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.
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 have on your rates. It is worth noting there are other factors you should keep in mind:
Insurance companies equate age to years of driving experience. Younger drivers lack experience behind the wheel and are considered riskier and more expensive customers. As you might expect, insuring a teen driver can double your premium.
Below are sample rates for drivers in their 20s from top auto insurance companies:
| Company | Avg. 6 Mo. Premium (20s) |
|---|---|
| Farmers | $1,139 |
| USAA | $863 |
| Progressive | $1,224 |
| Allstate | $1,542 |
| State Farm | $1,045 |
| GEICO | $936 |
| Nationwide | $982 |
Source: insurance MGM
Tip: Seek out other coverage types to be fully covered.
Insurance companies use your previous driving history as a predictor for future driving behavior. Speeding tickets, DUIs, and at-fault 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.
Below are sample rates for drivers with an at-fault accident on their record:
| Company | Avg. 6 Mo. Premium (At-Fault Accident) |
|---|---|
| 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: insurance MGM
Driving infractions can have a serious impact on your car insurance. insurance MGM 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 are sample rates for drivers with an average credit tier:
| Company | Avg. 6 Mo. Premium (Average Credit) |
|---|---|
| USAA | $731 |
| Travelers | $743 |
| Nationwide | $810 |
| GEICO | $822 |
| American Family | $847 |
| State Farm | $912 |
| Farmers | $954 |
| Progressive | $1,056 |
| Allstate | $1,287 |
Source: insurance MGM
Data Methodology. Insurance MGM Dynamic Insurance Rating Tool
Anonymized User Survey. Insurance MGM
Nope — we’re not an insurance carrier. Insurance MGM is a comparison platform that lets you review offers from top-rated insurance companies all in one place. This helps you find the right policy for your needs without the hassle.
It only takes about five minutes. Just answer a few questions, and we’ll do the rest — comparing quotes from leading insurers. Once you’ve picked a plan you like, you can purchase it online or speak with one of our licensed insurance agents for assistance.
Yes. Every one of our independent insurance agents is fully licensed and authorized to offer policies from all major insurance providers. As your needs change, they’re here to help you adjust your coverage accordingly.
Great question. We earn commissions when you purchase a policy through one of our agents. If you request a quote, we notify the insurance provider — and instead of a thank-you note, they send us a commission. We also offer consolidation services: we act on your behalf to optimize your policies and potentially save you up to 30%. For this service, we charge a small fee ranging from 5% to 10% of your total insurance costs.
That’s totally up to you. You can choose to purchase your policy directly from the insurance provider, or you can buy it through Insurance MGM. Either way, the policy and coverage remain the same — just a different checkout process.
Absolutely. We’re real people who understand how important your privacy is. That’s why we promise never to sell your personal data to spammers or third-party marketers.
