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Over 16 million car accidents happen in the US every year. Are you covered with the right car insurance?
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Details Features
Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
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Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
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Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
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Compare top rated auto insurance companies in 2018

Looking to purchase or switch car insurance? Start your comparison here.

Compare car insurance policies from a wide range of brands and insurers, including modified, vintage and classic vehicles as well as motorcycles, motor homes, RVs and trailers. For a specific type of coverage, explore comprehensive, property damage and third party auto insurance. New to car insurance coverage? This is the guide for you.

Compare insurance rates by car make and model

Find car insurance rates for all car make and models. Your car’s make and model is the #1 factor that determines your insurance costs. Just click on the brand(s) you’re interested in below to get started.

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What is car insurance — and do I need it?

In simple terms, car insurance is a contract that you have with an auto insurance company where you pay a regular fee in exchange for the promise to pay for certain kinds of coverage in the event of an accident. The auto insurance company will cover medical fees and vehicle repair damages up to the amount in the insurance policy that you’ve signed up for.

No one ever plans to be in an accident, but there are around 16 million auto accidents in the United States every year. According to the Centers for Disease Control and Prevention, more drivers die in car crashes in the United States than any other high-income country. That’s why car insurance is a necessity, especially in the US.

In most parts of the United States, having car insurance is mandatory and required by law in order to drive. Minimum coverage auto insurance is required in almost every state except Virginia, New Hampshire and Mississippi. Minimum coverage is determined by the state and vary from state to state. Auto Insurance typically covers medical fees, vehicle repair damages, bodily damage, legal fees and property damages.

Did you know?
Shopping for and comparing your auto insurance quotes every six to 12 months can save you thousands of dollars over your lifetime.

How do I meet my state’s car insurance requirements?

Most states have minimum car insurance requirements for drivers. What type of insurance you need depends on where you live. For example, liability coverage is required in every state except New Hampshire and Virginia and covers you if you’re at fault in an accident and need to pay for the resulting costs. You’re likely to need the following types of insurance.

  • Bodily injury liability.
    Your insurer will help you pay costs that result from any injuries you cause to another person. These may include immediate medical aid, legal help, health care, funerals and pain and suffering. Bodily injury liability coverage doesn’t pay for your own medical costs. For that, you’ll use your own health insurance, medical payments coverage or personal injury protection.
  • Property damage liability.
    Will help you pay costs that result from any damages you cause to someone else’s property. These costs may include vehicle repairs, repairs for damage to buildings, houses or fences, lost income from business closures, legal fees from property damage claims. Property damage liability doesn’t pay for your own car repair costs. For that, you’ll need collision coverage.
  • Personal injury insurance.
    If you’re involved in a car accident, PIP pays for the medical services you may need afterward including ambulance rides, nursing care, prosthetics, lost income, childcare and funeral services. PIP will apply regardless of who’s at fault in an accident.
  • Uninsured motorist coverage.
    If another driver doesn’t have insurance, you won’t have to liaise with them to receive compensation. Instead, your own insurance will cover your expenses. You can choose to have bodily injury (UMBI) or property damage (UMPD) coverage.

Compare cheap car insurance in your state

Optional insurance coverage you might want to consider

Unlike liability, personal injury protection, and uninsured motorist coverage, which are required by most states, the following coverage types are all optional. These optional coverage features offer extra protection against all the other mishaps that might happen to you or your car.

  • Comprehensive.
    Ensures you are covered for the expense of replacing or repairing your vehicle, regardless of fault, and damages that aren’t within your control, such as natural disasters, terrorism, explosions and fire, glass damage, falling objects, vandalism, damage from animals and theft. In some cases, it also covers the expense of transportation, emergency repairs and repairing damages caused by another vehicle.
  • Medical payments
    Helps you with your medical costs resulting from a car accident — no matter who’s at fault.It covers you and your passengers can pay for such expenses as ambulance fees, surgery, funerals, dental care, prosthetic limbs and hospital visits. Medical payments coverage doesn’t only apply to auto accidents. It can also protect you outside of your vehicle, such as when you’re walking or riding your bike.
  • Collision.
    If you’re at fault in an accident, your liability insurance kicks in and pays for the other driver’s costs. For your own vehicle repairs, you’ll need collision coverage. Collision coverage pays for costs if your vehicle is damaged.
  • Gap Insurance.
    When you buy a car, it immediately starts depreciating. Here’s the issue: If your car is stolen or totaled, your insurer will pay only what the vehicle is worth. Meanwhile, you’re still stuck paying back your entire loan. This creates a gap between how much money you receive from your insurer and what you still owe to your bank.
  • Umbrella.
    Protects you beyond the coverage offered by your basic insurance. It’s especially recommended for individuals with significant assets — those who stand to lose a lot from getting sued. It will pay for what you owe beyond what’s covered by your home, auto or renters insurance.

What is third-party coverage?

You’re the first party, and your insurer is the second party. Everyone else on the road is the third party. To cover any claims other drivers make against you, you’ll need third-party auto insurance. For auto insurance, there are two types of third-party coverage: bodily injury liability and property damage liability.

Car insurance coverage comparison: knowing when you’re covered

Accident type or causeAm I covered?
Another driver crashed into me / I was not at-faultYes, only if you have liability coverage
I crashed into another driver / I was at-faultYes, only if you have collision coverage
I damaged someone’s propertyYes, only if you have property liability coverage.
A natural disaster (hurricane, hail, fire, animal etc.) destroyed my vehicle.Yes, only if you have comprehensive coverage.

What is covered in my insurance policy?

The table below shows the type of coverage you get with each insurance policy, making it easier for you to determine the coverage you need.

Type of policyDamage to your vehicleDamage to another person’s propertyDamage or loss from car theftInjury or death after a car accident
Third partyNoNoNoYes
Third party propertyNoYesNoNo
Third party property, fire and theftNoYesYesNo
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What you won’t be covered for

While exclusions may vary between providers, you generally will not be covered for:

  • If the damage was caused by mechanical failure, depreciation, rust, wear and tear or changes made to the vehicle
  • Loss of income from being unable to drive
  • If the damage was incurred due to your vehicle not being safe or participating in a race
  • Damage that was caused intentionally
  • Any damage incurred if the person driving didn’t have a licence, was drunk or on drugs
  • If the person driving was not covered by the policy

How is agreed and market value actually different?

Agreed vs. market value determines the value of your car and how much it’s worth for car insurance purposes. This amount will affect whether your car is written off, repaired or replaced under the terms of your insurance policy.

With market value, your car is insured for its current market value at any given time, including depreciation. With agreed value, you and the insurer agree on a specific amount your car is worth for your policy terms.

Agreed Value

  • The sum-insured that has been agreed upon between you and the insurer at time of application or renewal

Market Value

  • Recognised as the expected value of your car on the open market
  • Not the trade in value or what it would be purchased for by a collector
  • Will pay what your car is deemed to be valued at the time of the accident
  • This may not include warranty cost, the vehicle transfer costs, stamp duty or dealer profit

Is market value or agreed value best for me?

When deciding if market value is right for you, you need to consider if the reduced amount will be enough to replace your lost vehicle. Is the money you save on your premium worth the additional cost you will have to pay to purchase a new vehicle? If you drive an older vehicle that’s 10 to 15 years old, replacement cost may not be as great a concern as saving on your premiums.

How to save money on your car insurance bill

Watch: 3 simple ways to save on car insurance

Is your current insurer reliable?

What makes a car insurance company reliable? The best indicator is if it’s there for you when you need it. A reliable insurer:

  • Pays claims promptly rather than immediately looking for loopholes to avoid paying
  • States all their terms and conditions clearly, without attempting to hide them in the fine print or couch them in legal jargon
  • Is accessible 24/7, is located in United States and has a branch and claims assessment center near to you
  • Does not penalize its customers for claims when they were found not at fault

Finding an insurer with all these qualities can mean paying a little more for coverage, but paying more is sometimes the right choice.

Whether you want the best value, bare bones, third party car insurance in the US, or a reliable insurer that will provide a comprehensive package with great extras, it’s worth looking for discounts.

Your credit score affects your car insurance - except in these states.

Using a person’s credit score to decide their car insurance rates is banned in California, Massachusetts and Hawaii. But in most states, your credit score is a major factor for your insurance premium.

Studies have shown a correlation between drivers with lower credit scores and likelihood of filing insurance claims. That’s why most car insurance providers use your credit score to assess your risk. A higher credit score can translate into lower monthly rates.

Car insurance for drivers with poor credit can be expensive or difficult to find. Most of the car insurance policies you’ll find without credit checks are sold by high-risk insurers. By opting to go without a credit check, providers often automatically place you into a high risk group.

Direct Auto and The General are two of the bigger providers who are typically more accepting of poor credit applicants. You might also have some luck with local or regional providers who specialize in high risk drivers.

For young drivers under 25

If you’re a young driver under 25, it can be hard to find the best value car insurance. Due to inexperience, these groups are at higher risk of having accidents.

If you’re in this demographic you will be hit with higher costs, but there are still some things you can do to reduce your premiums.

  • Choose a cheaper car. More expensive cars have a higher sticker price and tend to cost more for as long as you use it. If you’re a young driver, it’s worth buying cheap.
  • Take a defensive driving course, often provided by your local DMV.
  • Maintain a safe driving record, which will gradually decrease your premiums over time.
  • Consider being a nominated driver on your parents’ insurance, although this will likely increase their premium.
  • Increase your deductible to an amount that’s high but affordable.

10 tips for getting cheap car insurance coverage

No one wants to overpay for car insurance. In a study done in New York, the average driver can save up to $625 by switching car insurances. Insurance prices differ for all individuals based on age, driving history, credit history, car model etc. so it is best to always check with at least 2 or 3 providers before committing to a company. Here are ten ways to pay less than your state’s average driver.

1. Don’t assume there’s one company that’s cheap for everyone.

Different people can pay drastically different prices for car insurance at the same company. Compare car insurance companies that can offer you the best deal for you individually, not across the board. You can also compare local insurance companies, which tend to have higher customer satisfaction rates than their big-name counterparts and could potentially have lower rates.

2. Hunt for discounts.

Some insurers offer discounts to drivers for a variety of reasons such as having a clean record, paying an annual premium all at once or being a safe driver for a certain period of time. If the insurance company you’re with offers more than just auto insurance, consider bundling all your insurance through them, like home and car insurance. Most companies offer a group discount, even if it’s just for more than one car.

3. Get the right coverage for your car.

Make sure you are getting the appropriate coverage for the car you’ve driving. Consider skipping collision or comprehensive coverage for an old car. The value of your car determines your maximum payout if it’s stolen or totaled, meaning these policies are not very useful for older vehicles.

4. Raise your deductible.

A higher deductible means lower premiums, your monthly or annual price. But if you get in an accident, you will have to pay more than if your deductibles were lower. For example, if you have a $500 deductible on a $2,000 accident, you’d pay $500 before your insurance company covers the other $1,500. With a $1,000 deductible, you’re paying $1,000 and your insurer covers the remaining $1,000.

5. Look into pay-per-mile insurance.

If you drive under a certain amount of miles every year, you can tell your insurance company and possibly qualify for a low mileage discount. This is a common discount that many drivers actually qualify for but are not aware of. If you only use your car for occasional short trips, you can sign up for a usage-based insurance program that determines your rates based on how much you drive.

6. Pay your bills on time.

In most states, your credit score is a major determining factor for your insurance premium because it’s seen as a risk indicator. Factoring a person’s credit score into their car insurance rates is banned in California, Massachusetts and Hawaii.

7. Avoid accidents and tickets.

These two are surefire ways to make your premium go through the roof. If you live in a high risk area or are prone to getting in accidents, look into a provider that offers accident forgiveness, where your first accident won’t make your premiums go up.

8. Get married.

Married people often have cheaper car insurance because they tend to file less claims. It’s one more reason to tie the knot — if you were already going to do it, that is. This is also a good reason most married couples combine their insurance on one policy to save money, unless one spouse has significantly higher premiums.

9. Check and maintain your credit history.

Most auto insurance companies take your credit history into account for your pricing. The reasoning behind it? Research actually shows that people with a higher credit score tend to make fewer claims.

10. Choose the right car.

If you haven’t purchased a car yet, do your due diligence and compare insurance prices for car models you’re interested in. The insurance price differences might surprise you.

How to apply for car insurance

Applying for car insurance involves first getting a quote, and then the application process itself.

Compare car insurance quotes

The quote process will differ depending on the insurance brand though most will follow similar steps to those listed below:

  1. Specify what policy you want and when you want it to start: comprehensive; third party property damage, fire and theft or third party property damage.
  2. Input your vehicle type, including non-standard modifications and accessories, if the vehicle is for business or personal use, and if you want to insure it for an agreed or market value.
  3. Enter your personal details and the details of any drivers.
  4. Choose any policy extras and decide if you want to increase your excess to reduce your premiums.

Apply for the best car insurance provider for you

Once you’re happy with how much you’ll be spending each year or month, you’ll have to go through an application which go through the same steps above but in further detail. When this is completed, you’ll make your payment, and the policy will start on the date specified.

Information you must include when applying

While it may be tempting to avoid disclosing some details about your vehicle or driving history from your insurance brand, in doing so you only risk your claim being rejected in the event you actually have an accident. Insurance companies go to great lengths to verify the information you have provided in the event of a claim.

  1. Driving convictions – While many motoring convictions can be removed from your licence before you can be considered rehabilitated, from a legal standpoint, you still have to inform the insurance company of any convictions you haven’t been rehabilitated for.
  2. Other criminal convictions – If you have any other criminal convictions, you must let the insurer know as they can determine the level of premium you have to pay or the terms you are offered. If you don’t let them know, you can find yourself with a policy that is not valid.
  3. Vehicle incidents – Most insurance companies will require you to reveal your entire vehicular incident history, which not only refers to claims you have lodged yourself or have been lodged against you but also those pertaining to any other person driving on your policy. Such incidents could be accidents, joy riding, vandalism, damage to the windscreen, fire or theft.
  4. Alterations – Most insurance companies will require that you reveal any alterations you may have made to your car. Even if these alterations do not affect the performance of the vehicle, they could make it more valuable or increase the chances of it getting stolen. Things like installing specialty exhausts or tinting windows, which otherwise do not affect the performance of the vehicle, are considered alterations you must inform your insurer of. While this might seem strange, the fact is that insurance companies have found that people who make alterations to their vehicles tend to statistically have a higher likelihood of being involved in a claim.

If any of the requirements of what must be disclosed to your insurer is unclear, it’s always worth giving them a call to verify the details to ensure you are adequately covered. Keep these details with the rest of your insurance documentation in the event you have to provide proof in the future that you did as you were required.

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Frequently asked questions about car insurance

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