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Car insurance quote : Provide your car details such as its make, model, etc, to see car insurance price offered by top insurance providers in India. Compare Car Insurance Quotes. online and select the one that meets most of your financial expectations. You can easily get multiple four wheeler insurance quotes

Car Insurance

 More popularly known as motor insurance, this type of insurance provides cover for loss or damage to any vehicle like car, two-wheeler or commercial vehicle, etc. Description: This insurance helps mitigate monetary harms due to accidents causing damage to the vehicles.

Best Car Insurance Companies

ProviderBankrate RatingAverage annual premium for full coverage
USAABankrate Rating 4.7 out of 5Avg. annual premium for full coverage $1,255 as of Jan 1, 2021Next
AmicaBankrate Rating 4.6 out of 5Avg. annual premium for full coverage $1,378 as of Jan 1, 2021Next
GeicoBankrate Rating 4.6 out of 5Avg. annual premium for full coverage $1,405 as of Jan 1, 2021Next
State FarmBankrate Rating 4.5 out of 5Avg. annual premium for full coverage $1,457 as of Jan 1, 2021Next
ErieBankrate Rating 4.4 out of 5Avg. annual premium for full coverage $1,233 as of Jan 1, 2021Next
NationwideBankrate Rating 4.2 out of 5Avg. annual premium for full coverage $1,485 as of Jan 1, 2021Next
ProgressiveBankrate Rating 4.1 out of 5Avg. annual premium for full coverage $1,509 as of Jan 1, 2021Next
MetLifeBankrate Rating 3.8 out of 5Avg. annual premium for full coverage $2,123 as of Jan 1, 2021Next
The HartfordBankrate Rating 3.8 out of 5Avg. annual premium for full coverage $2,270 as of Jan 1, 2021Next
AllStateBankrate Rating 3.6 out of 5Avg. annual premium for full coverage $1,921 as of Jan 1, 2021Next

USAA car insurance

Why this provider made our list: Not many providers offer military- and veteran-specific coverage or discounts, but USAA builds its policies entirely around these service members’ needs. Throughout every region of the nation, USAA earns the highest customer satisfaction scores among its dedicated customer base, meaning most policyholders vouch for its reliable customer service and claims processing. It is important to note, however, that USAA is only available to active military, veterans and their immediate families.

Third-party ratings

  • J.D. Power: 890/1,000 points (Not officially ranked due to eligibility restrictions)
  • AM Best: A++ (Superior)

USAA writes car insurance policies across the nation for military personnel and veterans and their eligible family members. USAA members receive many benefits, including the company’s latest SafePilot program, where members can use the designated app for safe driving rewards. As part of USAA’s core focus, its policies can also take care of you on deployment, and you can even receive discounts for garaging your vehicle on a military base.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
USAA$1,225$1,423$1,681$1,277
National average$1,674$2,029$2,405$1,865

Amica car insurance

Why this provider made our list: Amica has earned the highest customer satisfaction of auto insurers in New England for more than 20 years straight, which offers peace of mind to those looking for a customer-centric business model. The benefit is you can get a great experience without compromising the appeal of an affordable premium. Amica recognizes its customers in ways such as paying out dividends each year, giving you money back where possible.

Third-party ratings

  • J.D. Power: 907/1,000 points (#2)
  • AM Best: A+ (Superior)

Amica currently offers car insurance in a limited number of states, but if you live in its service area, you could benefit from excellent discounts and reliable claims processing. Amica is one of the few providers that offer drivers an option to receive up to 20% back on their annual premiums through dividends. This dividend policy benefit can lower your long-term policy cost while offering flexible dividend payment options that typically range from 5%-20% of your annual premium. Amica policyholders even have the option to apply the dividends to future years’ policy premiums.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
Amica$1,378$1,712$1,818$1,478
National average$1,674$2,029$2,405$1,865

Learn more: Amica Insurance review

Geico

Why this provider made our list: Geico is a trusted, household-name insurer that provides one of the best mobile policy-management apps. The car insurance company received top honors in a customer respect survey for its pleasant online experience, in which customers commented on its ease-of-use and trustworthy security standards for their personal information.

Third-party ratings

  • J.D. Power: 871/1,000 points (#12)
  • AM Best: A++ (Superior)

Geico offers insurance in all 50 U.S. states and Washington, D.C., with offices set up in more than 10 major cities. The insurance company has excellent offerings for military members and government employees, as these discounts could save qualifying drivers more than 10% on insurance premiums or individual coverages. When it comes to mobile apps, Geico provides one of the best user experiences compared to competitors based on app scores. The Geico app allows policyholders to access mobile ID cards, roadside assistance, vehicle service history, vehicle damage estimates, safety recall updates and more.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
Geico$1,405$1,681$2,032$1,505
National average$1,674$2,029$2,405$1,865

Learn more: Geico Insurance review

State Farm

Why this provider made our list: State Farm is an excellent option for those seeking in-person insurance advice and wanting to get to know their insurance agent. With over 19,000 agents throughout the country, you can feel confident in talking through your insurance needs with an easily accessible local agent who knows the area in which you live.

Third-party ratings

  • J.D. Power: 881/1,000 points (#6)
  • AM Best: A (Excellent)

State Farm retains the largest auto insurance market share of private passenger car insurance writers. A mobile app allows drivers to manage their policies, bills and directly interact with agents, although State Farm has more than 19,000 agents across the nation. While the company has discounts available for good driving or being accident-free, many will be pleased to find that the company maintains lower average insurance rates after an accident, making it one of the best car insurance companies for drivers who are working to improve their driving record or habits. On average, drivers with State Farm pay $571 less in rates annually than the national average following an accident.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
State Farm$1,457$1,719$1,834$1,656
National average$1,674$2,029$2,405$1,865

Learn more: State Farm Insurance review

Erie

Why this provider made our list: Erie is offered in 12 states and Washington D.C and provides exceptional customer experience and an opportunity for those insured with Erie to plan their budget in advance. Drivers in its covered areas are generally offered low rates and a Rate Lock feature, which helps prevent your premium from increasing over time, typically as long as no major policy changes are made

Third-party ratings

  • J.D. Power: 880/1,000 points (#7)
  • AM Best: A+ (Superior)

Erie is only available in 12 U.S. states and Washington, D.C., but young drivers will be pleasantly surprised with some of the lowest car insurance premiums for 18-year-olds. Regardless of age, if you do make a claim, Erie’s Rate Lock feature could help you maintain your same rate as long as no other changes are made to your policy — a huge benefit from a financial standpoint. The auto insurance company offers protections for your pet if it is hurt in an accident, and it also offers physical damage coverage for personal items like clothing and luggage up to $350. Erie also offers a special auto insurance policy called Erie Auto Plus, which features a diminishing deductible and a $10,000 death benefit, among other advantages, for $35 or less annually.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
Erie$1,233$1,320$1,453$1,403
National average$1,674$2,029$2,405$1,865

Learn more: Erie Insurance review

Nationwide

Why this provider made our list: Nationwide offers several easy ways for drivers to save, including two usage-based programs that can offer substantial savings. For drivers who like to closely manage their policies, Nationwide offers a free annual review with an insurance professional to make sure your coverage options still work for your ever changing needs.

Third-party ratings

  • J.D. Power: 876/1,000 points (#9)
  • AM Best: A+ (Superior)

Nationwide is located in 46 states and Washington, D.C. For drivers working to improve their skills on the road, it is a particularly appealing choice to consider with optional coverage for accident forgiveness. There are also personalized savings with Nationwide’s SmartRide and SmartMiles program. The SmartRide program can save you up to 40% the safer you drive, 10% of which you get just for signing up. Similarly, the SmartMiles program tracks your driving distance and allows you flexible premiums based on your vehicle usage. Nationwide’s On Your Side Review is also offered free of charge and helps policyholders ensure their coverages are still sufficient for their needs.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
Nationwide$1,485$1,939$2,226$1,577
National average$1,674$2,029$2,405$1,865

Learn more: Nationwide Insurance review

Progressive

Why this provider made our list: Progressive is a pioneer in helping drive innovation in the auto insurance space. Since 1997, customers looking for a modern experience have had the ability to purchase its policies online. Continuing to digitalize the insurance experience, Progressive offers a price-planning tool for coverage and a mobile app for accessible ID cards, bill payment and claims submission.

Third-party ratings

  • J.D. Power: 856/1,000 points (#21)
  • AM Best: A+ (Superior)

Progressive holds 12.2% of market share with more than 38,000 agents located across the U.S. and Canada. The company offers several types of vehicle insurance, such as for ATV, classic cars, motorcycles and RVs. Drivers can save up to $750 on average when signing up for an auto insurance policy through Progressive. The provider also offers multiple options for discounts, including unique ones such as its Snapshot program, which allows you to save an average of $145 a year the safer you drive and the less miles you use. Progressive even recently added an option for drivers currently insured with another company to test what their savings would be by switching to Progressive with Snapshot Road Test, making it one of the best car insurance companies to visualize savings before making the switch.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
Progressive$1,509$1,946$2,067$1,629
National average$1,674$2,029$2,405$1,865

Learn more: Progressive Insurance review

MetLife

Why this provider made our list: MetLife (soon to be rebranded as Farmers) is a great option for those who want to bundle both their home and auto policies, as it offers significant multi-policy savings with policies that are buildable to individual needs. MetLife also has a trusted repair network to help ensure quality service for your vehicle. Claims can be easily submitted through its app or discussed with an agent at any time with 24/7 customer service.

Third-party ratings

  • J.D. Power: 886/1,000 points (#5)
  • AM Best: A+ (Superior)

Among the top 15 insurers in market share, MetLife provides auto and homeowners insurance in all 50 U.S. states and Washington, D.C.. In addition to its basic coverage, the company offers a good amount of coverage options including rental car coveragegap insurance, major parts replacement and legal defense fees coverage. MetLife even has personal excess liability policies to cover expenses that are typically excluded from standard policies, such as costs for lawsuits and court proceedings regarding defamation of character or a false arrest. On our list of auto insurance companies, MetLife is one of the best for bundling your home and auto policies. The provider states that its customers save $906 on average by consolidating their bills through MetLife.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
MetLife$2,123$2,612$3,533$2,566
National average$1,674$2,029$2,405$1,865

Learn more: MetLife Insurance review

The Hartford

Why this provider made our list: The Hartford is a top all-around insurer for older drivers wanting additional membership benefits to consider. Its partnership with AARP Auto Insurance Program offers unique perks, like house cleaning if you become injured in a covered accident. The company has strong customer satisfaction ranks, financial strength, mobile app ratings and a digitally-optimized claims process to make filing simple.

Third-party ratings

  • J.D. Power: 888/1,000 points (#4)
  • AM Best: A+ (Superior)

The Hartford offers car insurance under AARP in all 50 states and Washington, D.C., with physical locations for agents in most. Anyone age 50 and above is eligible for full AARP membership, making The Hartford’s auto insurance widely available as well. Though it is the most expensive insurance provider among the best car insurance companies on Bankrate’s list, The Hartford’s AARP Auto Insurance Program allows drivers to lock in their annual premium for a full year and get benefits like coverage for home services that they may be unable to perform following an accident such as snow removal. The program also features a disappearing deductible as long as your driving record remains clean. The Hartford also covers a range of vehicle types, making it particularly appealing for motor enthusiasts. The ability for policyholders to handle claims digitally from start to finish make it an easy pick for drivers looking for a modernized insurance experience.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
The Hartford$2,270$3,715$5,010$2,450
National average$1,674$2,029$2,405$1,865

Learn more: The Hartford Insurance review

Allstate

Why this provider made our list: As one of the largest insurance writers in the nation, Allstate is a trusted insurer with 90 years of experience and strong consumer rankings. Even with how long Allstate has operated in the insurance industry, it continues to innovate by providing a mobile app that streamlines the user experience, including direct access to local agents and policy documents.

Third-party ratings

  • J.D. Power: 876/1,000 points (#8)
  • AM Best: A+ (Superior)

Allstate offers coverage beyond basic auto insurance including sound systems, rideshare vehicles and will reimburse expenses for rental cars. Available in all U.S. states and Washington, D.C., Allstate offers a convenient mobile application which includes two key features: policy management and its Drivewise program. Allstate’s in-app Drivewise program reviews your driving habits, offers driving insights and allows you to earn cash back every six months with safe driving. Rewards for safe driving are redeemable through Allstate’s rewards program, making it an appealing option for drivers looking to save both on their policy and in their everyday lives.Average Annual Full Coverage Car Insurance Rates

Clean recordOne speeding ticketOne accidentAverage credit
Allstate$1,921$2,227$2,570$2,312
National average$1,674$2,029$2,405$1,865

Learn more: Allstate Insurance review

Clearcover

Why this provider made our list: Clearcover is a relatively new insurance company that focuses on technology to provide low-cost policies and a hands-on digital experience. Although not yet available all in states, Clearcover’s unique approach to auto insurance makes it worth considering for drivers looking to handle their insurance needs digitally.

  • Third-party ratings:
  • J.D. Power: Not rated
  • AM Best: A- (Excellent)

Clearcover is disrupting the auto insurance industry by putting its technology in the spotlight. The carrier uses the digital age to its advantage, revamping how car insurance is quoted, purchased and serviced. This business model allows Clearcover to sell highly affordable than average policies and gives customers the ability to handle their insurance through a highly-rated mobile app. Policies are underwritten by Fortegra and currently only available in 16 states. If you are eligible for coverage, getting a quote is fast and simple with its 60-second Coverage Wizard that can help you decide what coverage is right for you. Clearcover’s app uses machine-learning to confirm your coverage, and some claims are paid in a matter of minutes.

Learn more: Clearcover Insurance review

Why location matters when choosing car insurance

Auto insurance rates are based on several factors, and your specific city, state and ZIP code are among the most impactful. If you have moved recently, it may be a good idea to compare companies to ensure that your car insurance provider is still the best fit for your needs. This is especially true if you have moved across state lines, as auto insurance is not standardized across the country.

Adding a review of your auto insurance to your moving checklist is a good way to remember this important step. To view the best car insurance in your state, select it from the table below.

AlabamaAlaskaArizona
ArkansasCaliforniaColorado
ConnecticutDelawareDistrict of Columbia
FloridaGeorgiaHawaii
IdahoIllinoisIndiana
IowaKansasKentucky
LouisianaMaineMaryland
MassachusettsMichiganMinnesota
MississippiMissouriMontana
NebraskaNevadaNew Hampshire
New JerseyNew MexicoNew York
North CarolinaNorth DakotaOhio
OklahomaOregonPennsylvania
Rhode IslandSouth CarolinaSouth Dakota
TennesseeTexasUtah
VermontVirginiaWashington
West VirginiaWisconsinWyoming

Frequently asked questions

What is the best insurance company for a financed vehicle?

Depending on which state you live in, you will likely have set minimum requirements for liability insurance, otherwise known as minimum coverage car insurance. However, if you finance or lease a vehicle, you are typically required to insure your vehicle with both collision coverage and comprehensive coverage, also known as “full” coverage, in addition to your minimum liability. The best insurer for a financed vehicle will be different for everyone, but you will likely want to consider one that offers your desired coverage at affordable rates. You may also want to consider companies with lots of coverage options, such as original equipment coverage, gap insurance and even accident-forgiveness.

Which company offers the lowest auto insurance premiums for teenagers and young adults?

Young drivers are generally more expensive to insure than senior drivers, since they do not have as much experience behind the wheel. Like other drivers, most insurance companies will consider a young driver’s driving history, vehicle type and the coverage chosen, among other things, to calculate premiums. Many car insurance companies also offer discounts to help offset the cost of insuring a teenager or young adult driver.

Common discounts for young drivers include good student, distant student and defensive driving programs. You may also consider signing your teen up for a usage-based telematics discount, where you may earn a discount based on your young driver’s driving habits.

What types of coverages do you need?

Every driver has a unique set of circumstances, meaning that determining the types and amounts of auto insurance coverage that you need is an individualized process. Factors such as your budget, the age of your vehicle, your financial stability and your comfort with risk all impact the coverage decision that you make. If you are unsure of what you need in the auto insurance buying process, it may be helpful to consult with an insurance agent.

Will an accident affect car insurance rates?

During the underwriting process, auto insurance companies often run motor vehicle reports (MVR) and a comprehensive loss underwriting exchange report (CLUE) to determine rates for drivers. These reports will typically include information regarding your prior accidents, traffic violations, license status, claims history and other pertinent details. Although it may not be the only method used, car insurance companies often use these reports to gauge how risky a driver will be to insure.

Ask the industry experts

Do I need car insurance if I am not driving my car?

Coverage that is contractually mandated by your lender or coverage required by law is not optional. While this varies from state to state, some jurisdictions allow an individual to bind a seasonal policy or car storage policy. This tends to be a safer bet as property damage such as vandalism, fire, falling objects and theft may still occur.

-Ben Bingham, Benson & Bingham

How important is car maintenance to stay safe on the road?

Preventative car maintenance can seem like a pricey chore, but failing to properly take care of your car is even more expensive and dangerous. Being proactive can prevent bad things from happening like flat tires, leaks and dead batteries. Plus, it can help you avoid hazardous situations like getting stranded on the side of a busy highway, or worse, accidents. With healthy tires, windshield wipers, fluids, spark plugs, etc., you can be confident your car will perform and get you where you need to go safely regardless of weather.

-Ed Petersen, CEO of Wrench

How and when should parents introduce children to insurance as a part of financial literacy?

We asked Adjunct Business Professor John Colletti of North Central College in Naperville, IL.

“As families discuss a child’s registration to driver education class, include a talk explaining monetary considerations and important terms to improve financial literacy [to] help in grasping concepts [of] vehicle ownership […] Given the significant costs of typical vehicle and home insurance products I recommend instructional driving institutions encompass the relevant terms as part of student driving courses. Additionally, state driver licensing examinations could easily add basic questions to written tests to ensure new drivers understand applicable and relevant terms […] Other frequently used terms include: collision, uninsured motorist, co-pays and waivers. Just like my students you may need to do a little homework to prepare for your talk with your family members.”

The insurance industry is closely tied to crucial economics principles Professor Colletti teaches his economics students:

“Let’s consider a prospective purchaser of auto insurance, Bob. He is very well aware of his own driving behavior and history. When seeking a quote for auto insurance he knows the number of tickets received and accidents he caused in recent years. The prospective insurance company will request Bob’s driving record from state authorities to reduce asymmetric information. Gaining access to Bob’s data reduces chances of adverse selection. The firm may opt to deny coverage should past records indicate he is a high risk for future accidents. […] A deductible represents the amount of funds the insured must pay in the future should an accident claim be made to his insurance firm. A higher deductible is an attempt to mitigate moral hazard. Bob understands poor driving resulting in damage or injury claims will result in a substantial payment from him as part of the overall settlement with the victim of his actions.”

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Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.

J.D. Power scores

J.D. Power is a global market research company that has decades of experience within automotive, financial and health industries, among others. It conducts annual surveys on customer satisfaction across these sectors to help provide insight into the qualities that matter most between consumers and businesses. Its auto insurance studies take into account customer satisfaction across several lines, including customer service, claims processing, policy offerings and premiums, which make its scores a useful qualitative tool in assessing providers.