The auto insurance rates displayed in our articles are based on the 2019 results of The Zebra’s comprehensive car insurance pricing analysis. In our analysis of all US zip codes — including Washington D.C. — the sample user profile consisted of a 30-year-old single male driving a 2013 Honda Accord. To generate pricing specific to particular rating factors, we adjusted the driving profile based on pricing factors commonly used by car insurance companies.
While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.
A lot goes into an auto insurance rate quote, including your ZIP code, coverage levels, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history are also used to determine rates. And again, the reason auto insurance comparison shopping is so important is because rates between companies are different for each person, too.
Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.
The reason car insurance is so cheap in Wisconsin is a bit of a mystery. While not a huge magnet for severe weather it does receive its fair share of snow in the winter and tornadoes in the summer. Flooding is not uncommon and rising rivers point to spring flooding this year. Flood damage is covered by comprehensive coverage, which is not required in most states, if you want your vehicle to be fully covered, you will need to carry this optional coverage.
Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.
As it currently stands with Texas, in the event of an accident, there’s a one in seven chance that the other driver won’t be insured. Unless you’ve purchased uninsured/underinsured motorist (UM/UIM) coverage, that’s money out of your pocket. Texas’s minimum requirements also don’t account for comprehensive coverage, which you’ll definitely want to take into consideration, since the state ranks first for monetary losses from “catastrophes” like hail storms and hurricanes.
The cost of insurance is on the rise: the price for auto insurance rose 3.6% between 2011 and 2012, and 3.1% for homeowners and renter’s insurance, according to the Insurance Information Institute. In fact, auto liability insurance premiums alone have been increasing by 2.8% annually for the past three years. This makes choosing the right coverage and provider all the more crucial to save money without sacrificing important aspects of coverage.
Combined loss ratio and direct written premium information for private auto insurance was gathered from S&P Global, a financial data resource for the insurance industry. Rate increase figures were obtained from RateFilings.com and represent a weighted average across the 50 states and the District of Columbia based on written private auto insurance premiums.
If you live in your RV full-time for more than six months of the year, Allstate will not be able to insure your RV. Because of that, Allstate is a more suitable provider for people who only use their RVs occasionally: Its policies include basic coverage, sound system coverage, personal belongings coverage, medical payment, roadside assistance, and rental reimbursement.
The best Texas auto insurance should have you covered when an accident strikes, whether it’s the result of inclement weather or a collision with an uninsured driver. Because Texas has some of the highest minimum coverage requirements in the nation, an ideal insurance provider offers affordable coverage, financial stability, and great customer service.
The big reason that D.C. makes the cut is population density. The entire district is basically an urban area, which leads to higher insurance rates. According to Census information, D.C has a population density of 11,020 people per square mile. While this number is certainly smaller than New York City, which clocks in at 28,256 people, it puts it well above other large cities, such as Houston and even Los Angeles.
With Travelers green home coverage endorsement, you get additional protection that will repair, replace, or rebuild your home with designated “green materials” after a covered loss. Additionally, Travelers offers a green home discount which lets you save up to 5% if your home is certified “green” by the Leadership in Energy and Environmental Design (LEED) U.S. Green Building Council, a green energy ratings and verification company.
If you live in an area with unusual state regulations or heightened risk of weather-related claims, shopping car insurance options will be vital. Not every car insurance company offers policies in every state, which can make pricing less competitive. If you live in storm-prone states like Louisiana or Florida, you might find it harder to get a competitive rate.
Farmers has the fifth-largest market share in Texas at 8.2%. According to J.D. Power, Texans are more impressed with their Farmers claims experiences than they are with Allstate’s. Unfortunately, Consumer Reports readers expressed a bit more annoyance with the timeliness of their payments when comparing Farmers to State Farm and Allstate. Farmers’ financial strength is also a couple of notches lower than the rest. This doesn’t mean that the company's about to go bankrupt — it’s just the difference between “quite stable” and “completely rock-solid.”
NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.