Car insurance finder: Save up to 51% when you compare |

Car insurance finder

Compare your car insurance options in one place.

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What you need to know in 60 seconds

Car insurance typically costs $1,000 - $1,300 or more depending on your driving record and demographics.

Each state has different insurance requirements for liability, underinsured and personal injury protection coverage.

Add collision and comprehensive coverage for better protection.

Save on car insurance by driving safely, bundling insurance and finding other discounts.

Our top picks

Best cheap coverage
ProgressiveWide coverage for any car
Best for young drivers
MetromilePay less for safe driving
Best for luxury cars
AllstateMore coverage & perks
  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

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.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support

Compare car insurance

Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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.
All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
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 24 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Why trust us? Our writers and editors thoroughly research the car insurance options we compare on this site. You’ll read only 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 the information you see on is accurate and objective.

How much does car insurance cost?

The average cost of car insurance is $1,065 per year, or $89 a month. Your car’s make and model and the year you bought it are the biggest factors in your insurance rates. Compare car insurance quotes by your car’s make and model to get the most accurate rates.

How do I get insurance estimates?

Use car insurance comparison sites to get rates and calculate how much you’ll pay based on your vehicle and driver factors. Get rate estimates from different insurers to compare the best plans for you.

Get the cheapest insurance for your car
Car make

10 tips for getting cheap car insurance

No one wants to overpay for car insurance. And it’s hard to compare policies to get enough coverage at the right price. 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 insurance.

What factors affect my insurance rates?

  • The make, model, trim, age and value of your car
  • How many miles you drive
  • Your car’s safety features and anti-theft devices
  • Where you keep your car
  • Your coverage levels and deductible
  • Your age, marital status and location
  • Your driving record and payment record
  • Your gender (except in HI, MA, MT, NC and PA)
  • Your credit score (except in CA, HI and MA)
  • Whether you rent, lease or own your vehicle
  • Did you know?

If you want cheaper car insurance, you have to show insurers you’re a low risk driver. You can get the cheapest rates for having a safer car, parking in a garage, not driving much, paying premiums on time and avoiding accidents and claims.

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

Compare auto insurance quotes to find the best deal

If lowering your car insurance premium 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 auto insurance rates for California drivers.

Company Average annual rate Learn more
Geico $394 Read review
USAA $416 Read review
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

How to shop for auto insurance

Ever wonder why insurance quotes are different for every provider? You might not be comparing equivalent rates. Make sure you’re comparing apples to apples to get the best insurance quotes.

  • Does the quote include discounts? To get your business, many providers quote lowest possible price. It might, say, include a hefty 25% car insurance discount for buying online. Other insurers might offer the same discount but not include it in your quote.
  • How much information did you provide? Anonymous car insurance quotes aren’t as accurate as quotes that factor in your age, address and driving history. Generally, the more information you provide, the more accurate your quote.
  • Is the coverage equivalent? Two comprehensive policies can include different coverage and perks, which can lead to significant price differences.
  • Do you need a special type of insurance? Driving for business, rideshare drivers and adding on coverage can all affect your premiums.

Compare car insurance where you live

Car insurance rates across the US 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. Shopping for car insurance starts with finding your state minimum required coverage and then adding extra coverage you’d like. Compare auto insurance rates by state and even by ZIP code.

Compare car insurance for your state

How does car insurance work?

Basically, car insurance covers damage to your car in an accident in exchange for regular payments to a car insurer. You can choose certain kinds of damage you’ll be protected for, such as getting in a collision with another driver or getting a tow if your car dies. Start your car insurance search by understanding the types of coverage you can choose.

Explore in-depth car insurance guides

How much car insurance do I need?

Start by researching your state minimum requirements and then add on coverage you need from there. Bodily injury and property damage liability insurance is required in most states and covers you if you’re at fault in an accident and need to pay for the damages.

When you’re shopping for car insurance, you’ll see these numbers written like 50/100/25, which means $50,000 individual bodily injury liability, $100,000 total bodily injury liability and $25,000 property damage liability.

Some states also require uninsured/underinsured motorist coverage, which protects you when another driver causes an accident and doesn’t have enough insurance to pay for all your costs.

Once you’ve met your state minimums, you can decide if you need additional coverage, like collision, comprehensive or roadside assistance.

What are the basic kinds of coverage?

Bodily injury liability

Covers costs from injuries you cause another person in an accident.

Property damage liability

Covers damage you cause to someone else’s property in an accident.

Personal injury insurance

Covers medical services after an accident, regardless of fault.

Uninsured motorist

Covers costs caused by a driver if their insurance can’t pay enough.

What does comprehensive coverage protect me against?

Collision and liability coverage protect you in an accident, and comprehensive covers you for everything else. Adding comprehensive coverage can give you a lot more protection for a small additional increase to your premiums.

Hitting a pole
Hail & storms
Hit and run

When should I switch car 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.

  • You’ve just had a birthday
  • You’ve changed cars or drivers
  • You got married or moved in with your partner
  • You moved to a different address
  • You graduated high school or college
  • Your driving record has changed
  • Your credit score has improved
  • Your policy is about to be up for renewal

What’s the most important factor when switching car insurance?

According to a 2019 multiple choice poll conducted on that received 4,866 responses, price was the most important factor for people when switching or canceling policies. Here’s a breakdown of the data:

Why do you want to cancel your policy? Responses
Cost 70% (3,391 responses)
Other (car was sold, broken down, no longer used, etc.) 10% (469 responses)
Billing issue 9% (432 responses)
Customer service 9% (230 responses)
Coverage 5% (253 responses)
Claim issue 2% (91 responses)

How to cancel car insurance the easy way

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 plans 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. Check your car insurance policy details to find out any fees or refunds you might be facing. Mail in your notice or cancel by phone, app, email or online account. Your new insurer can also help you with this step. You should get written confirmation from your old provider that your insurance has been canceled.

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