Compare Sample Rates from 15 Top Carriers in Under 3 Minutes
Your vehicle details are the biggest factor in determining your rate.
Driver profile significantly affects your insurance rate.
Your record in the past 3–5 years has a big impact on your rate.
Choose how much protection you want. We'll show rates for all 15 carriers at your selected level.
Enter your contact info to view sample rates from all 15 carriers and download your PDF comparison.
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These are illustrative comparisons. To get binding quotes, connect with a licensed agent who can access real carrier rates for your exact situation.
⚠️ FULL DISCLAIMER: This tool provides illustrative sample rates for educational purposes only. These rates are NOT from State Farm, GEICO, Progressive, Allstate, USAA, Liberty Mutual, Farmers, Travelers, Nationwide, American Family, Erie, The Hartford, Amica, Auto-Owners, or Shelter Insurance. ThriveXdna is NOT affiliated with, endorsed by, or acting as an agent for any of these companies. Carrier names are used under nominative fair use for educational comparison purposes only. Actual insurance rates are determined through formal underwriting and vary significantly based on factors not captured in this tool. Always obtain actual quotes through a licensed insurance agent or directly from carriers. Insurance products and rates vary by state. Not all carriers listed are available in all states.
These are illustrative sample rates based on industry averages and publicly available data. They are designed to show relative comparisons between carriers and coverage levels. Actual rates will vary based on full underwriting, your exact driving record, credit check, and state-specific regulations.
The biggest factors are: driving record (accidents/tickets/DUI), age (especially under 25), credit score (in most states), location (ZIP code and state), vehicle type and value, annual mileage, and coverage level selected.
State minimum coverage is the cheapest option but offers the least protection. It only covers damage you cause to others — not your own vehicle. If you have a loan or lease, your lender likely requires full coverage (collision + comprehensive). Financial experts generally recommend at least 100/300/100 liability limits.
A deductible is the amount you pay out-of-pocket before insurance kicks in when you file a collision or comprehensive claim. Higher deductibles = lower monthly premiums but more out-of-pocket if you have a claim. Common deductibles: $250, $500, $1,000, $2,000.