How to Get the Best Car Insurance Quotes in the USA in 2026: Save Hundreds on Auto Insurance Rates

Car insurance premiums have climbed significantly in recent years. In 2026, the national average for full coverage auto insurance hovers around $2,496 to $2,697 per year (roughly $208–$225 per month), with even higher costs in states like Nevada ($335/month), Louisiana, Florida, and New York.

Shopping smartly for car insurance quotes can save drivers hundreds or even thousands annually. Comparing auto insurance quotes from multiple carriers remains the most effective strategy.

Why Car Insurance Rates Vary Widely

Car insurance rates depend on numerous personal and external factors:

Driving record (accidents, tickets, DUIs)

Age and gender (young drivers under 25 pay more)

Credit score (in most states)

Location (urban areas, high-theft/crash states cost more)

Vehicle type (sports cars vs. safe sedans)

Coverage levels (liability minimum vs. full coverage including comprehensive and collision)

Annual mileage and usage

Rates also fluctuate by state due to regulations, weather, uninsured motorists, and repair costs. For example, full-coverage premiums exceed $3,800–$4,100 annually in the most expensive states, while rural states like Vermont, Maine, and Wyoming average under $1,600.