Car insurance made easy
Compare your car insurance options in one place.
Compare your car insurance options in one place.
We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
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.
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.
Shopping for and comparing your auto insurance quotes every six to 12 months can save you thousands of dollars over your lifetime.
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|
|21st Century||$651||Read review|
|Liberty Mutual||$709||Read review|
|State Farm||$726||Read review|
|The Hartford||$727||Read review|
|Average||$598||Compare all reviews|
Ever wonder why quotes for coverage differ by provider? You might not be comparing equivalent prices.
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.
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.
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.
Covers costs from injuries you cause another person in an accident.
Covers damage you cause to someone else’s property in an accident.
Covers medical services after an accident, regardless of fault.
Covers costs caused by a driver if their insurance can’t pay enough.
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.
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.
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.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.