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Find the right car insurance for you

Need new car insurance? This is the guide for you. Compare your coverage options and get car insurance rates from the top 50 insurers all in one place. Find the right coverage for any make, model and type of vehicle so you can hit the road with confidence.

Our top pick:

  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Our top pick: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent

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Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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  • Why trust us?
    Our writers and editors thoroughly research the car insurance options we compare on this site. You’re guaranteed to only read unbiased, third party opinions. While we make money from our partner insurance providers to expand our content and our company, we maintain high editorial standards to ensure any information you see on is accurate and objective.

Explore in-depth car insurance guides

Search for car insurance by state

Your car insurance rates can vary a lot based on where you live. The national average is $1,300 per year, but drivers in Maine pay only about $864, while drivers in Michigan see premiums averaging $2,394. Find your state to compare the minimum required coverage, driving laws and average rates for your area.
Compare car insurance for your state

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.

In most parts of the US, having car insurance is mandatory and required by law in order to drive. For example, liability coverage is required in most states and covers you if you’re at fault in an accident and need to pay for the damages.

Compare coverage with the comprehensive guide

What are the basic kinds of coverage?

Bodily injury liability

Bodily injury liability

Covers costs from injuries you cause to another person including immediate medical aid, legal help, health care, funerals and pain and suffering

Property damage liability

Property damage liability

Covers damages you cause to someone else’s property including repairs for damage to vehicles, buildings or fences, lost income from business closures and legal fees

Personal injury insurance

Personal injury insurance

Covers medical services after an accident, regardless of fault, including ambulances, nursing care, prosthetics, lost income, childcare and funeral services

Uninsured motorist coverage

Uninsured motorist coverage

Covers costs for property damages or bodily injury caused by an uninsured or uniderinsured driver if their insurance can’t pay enough

What does comprehensive coverage protect me against?

In addition to basic third party and liability insurance, you can also get additional coverage including collision and comprehensive. Choosing additional coverage can add a lot more value and protection for a small additional increase to your premiums.

Hitting a car


Hitting a pole

Hail damage


Hit and runs

How much does car insurance cost?

Your car’s make, model and year is the biggest factor in your insurance rates. Find car insurance quotes by car make and model.

What factors affect my insurance rates?

If you want cheaper insurance, you have to show insurers you’re a low risk driver. Studies have shown certain drivers pose more of an accident and claim risk, so they charge accordingly. You’ll see the cheapest rates for drivers with a newer car, low annual mileage, good credit score and no accidents or tickets. You can also keep costs down by keeping your car in a garage and paying premiums on time.

  • The make, model, trim, age and value of the car you drive
  • The estimated miles driven per year
  • Your vehicle’s safety features and anti-theft devices
  • Where you keep your vehicle
  • The level of coverage and deductibles selected
  • Your age, gender, marital status and location
  • Your driving record and payment record
  • Your credit score (except in California, Massachusetts and Hawaii)
  • Whether you rents, leases or owns your vehicle

10 tips for getting cheap car insurance

No one wants to overpay for car insurance. And if you’re a young driver under 25, it can be especially difficult to find the best value car insurance.

The best way to save is by shopping around. 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 the average driver while still getting enough coverage.

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.

Is it time to switch insurance?

You just got your insurance bill and your rates have gone up again, or you’re still waiting for that claim payout from an accident months ago. Sometimes car insurance companies drop the ball, so you’re thinking of finding someone with better support and prices.

Cancelling insurance is easier when you’ve just had what’s called a life change event. You might be able to shop around for a better rate if you’ve just celebrated one of these milestones.

  • Your policy is about to be up for renewal
  • You change cars or drivers
  • You got married or got your college diploma
  • You move to a different address
  • You’ve just celebrated a birthday
  • Your driving record has changed
  • Your credit score has improved

How switching car insurance can save you hundreds

If cost is your main priority, switching car insurance could be one of the best ways to save. Compare how much price differs between insurers with sample quotes for California drivers.

Company Average annual rate Learn more
Geico $394 Read review
USAA $416 Read review
Alliance $435
Progressive $536 Read review
Grange $557 Read review
Mercury $564 Read review
Esurance $609 Read review
Kemper $615 Read review
21st Century $651 Read review
Allied $666 Read review
Nationwide $666 Read review
Allstate $693 Read review
Liberty Mutual $709 Read review
State Farm $726 Read review
The Hartford $727 Read review
Average $598 Compare all reviews

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Why canceling your insurance isn’t as hard as it sounds

Switching insurance can take some time to find the right company and get your old policy canceled, but many companies let you simply mail in your cancellation notice and don’t even charge a fee.

Every provider’s cancellation policy is a little different, so it pays to check out comprehensive guides for canceling insurance with your current provider. Generally, you can expect the process to play out like this.

  1. Find a new provider. Compare car insurance policies side by side to find the best insurance for you. Consider price and discounts but also what features you need in a policy and how much coverage you want.
  2. Set up your new policy. Plan for your new policy to start on the same day your old policy is canceled. You’ll receive a letter of confirmation from your new insurer, and then you’re safe to cancel your old policy.
  3. Cancel your old policy. Find out any fees or refunds you might be facing. Mail in your notice or cancel by phone, app, email or online account. You should get written confirmation from your old provider that your insurance has been canceled.
  4. Profit! Put your new insurance card in a safe place, and then enjoy the benefits of switching to a better policy. Now treat yourself to something nice.

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Frequently asked questions about car insurance

Policy information

  • Coverage and exclusions

Related articles on car insurance

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