Car Insurance

Where you live also plays a role in your car insurance premium. Even in states where ZIP codes cannot be used as a factor in determining rates, you may find that your state’s average cost of car insurance may be significantly different compared to a neighboring state. 

In most states, the age and gender of a driver may play an important role in determining car insurance rates. Demographic groups that are shown to engage in riskier driving behaviors, such as young drivers, male drivers and senior drivers, typically face higher rates on average. 

Perhaps the most influential factor on car insurance rates, your driving history is closely analyzed when calculating car insurance quotes, as it indicates risky driving behavior. 

Credit score, or more accurately, your credit-based insurance score, can be used by insurance companies in many states to predict the risk of claims being filed in the future.

The type of car you drive also plays an important role in your car insurance premium. Luxury vehicles tend to have higher premiums, due in part to expensive repair costs for labor and parts. 

Our Bankrate Awards identified the standout insurers across a range of metrics. In our search for the best of the best, we analyzed average rates, coverage offerings, discounts, availability, digital tools, and third-party customer satisfaction and financial strength ratings.

Comparing insurance companies can help you find the right policy for your lifestyle. Bankrate's company reviews can help you determine if a carrier fits your needs. Our reviews look at more than just price, so you walk away with a robust view of each insurance provider.