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Car Insurance Finder

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The first step to savings is getting multiple quotes. Get started by selecting Compare to review coverage and features from each company side by side.

Data indicated here is updated regularly
Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.

Compare up to 4 providers

Finder’s car insurance team spends thousands of hours researching policies and analyzing hundreds of thousands of quotes (for real!) from nearly every car insurance company across the US.

The result? You get an unbiased, expert review of each company’s features, benefits and drawbacks complete with sample quotes and our expert ratings to help you compare options.

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How do I compare car insurance?

Ever wonder why insurance policies and quotes are different for every insurer? Make sure you’re comparing equivalent rates to get the strongest insurance quotes.

  • Balance the best coverage with the cheapest rates. The goal is to get the right coverage for you with the best deal. But consider every factor that might be important, such as discounts you qualify for, how easy it will be to make claims or whether you’ll pay extra for perks you need.
  • Make sure you’re comparing apples to apples. Check for the same perks and coverage, and make sure the deductible and pay schedule are the same. If you’re not getting good rates from the big national companies, look for a company that specializes in the coverage you need.
  • Get multiple quotes. It’s helpful to consider at least two to three of the cheapest quotes with the same level of coverage you need. And while it’s good to consider discounts in your initial search, make sure you’re also considering the final price too.
  • Check for exclusions. Read the fine print on your car insurance quote before you sign on the dotted line. Make sure you’re covered for everything you expect, and avoid claim caveats like cancellation fees.
  • Check ratings and reviews. Compare company rankings using sites like J.D. Power, and the BBB to determine customer satisfaction and claims satisfaction rankings. Plus, search out customer reviews on sites like Trustpilot to ensure the company offers good customer service.

How much does car insurance cost?

The average cost of car insurance is $1,300 a year or $108 a month, but rates vary depending on your car car’s make, model and year, driving record, location, age, credit score and other factors. For example, living in a high-claims area, like a big city or an area with a high rate of uninsured drivers, can drive your car insurance rates up.

Car insurance quotes

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.

CompanyAverage annual rateAverage monthly rate
21st Century$651$54
Liberty Mutual$709$59
State Farm$726$61
The Hartford$727$61

How to find car insurance near you

Car insurance rates across the US can vary a lot based on where your address. The national average is $1,300 a year, but drivers in Maine pay only about $864, while drivers in Michigan see premiums averaging $2,394.

To pick the right amount of coverage, start with your state’s minimum requirements for liability coverage, underinsured driver coverage and personal injury protection. Then decide if you should increase your maximums or add any extra coverage you’d like, such as roadside assistance, collision coverage or comprehensive coverage.

Compare car insurance for your state

Top 10 tips for saving on car insurance

No one wants to overpay for insurance. And it’s hard to compare policies to get enough coverage at the right price. The best way to save on car insurance is by shopping around.

  1. Start with multiple customized quotes.
  2. Hunt for discounts, like defensive driving.
  3. Get the right coverage for your car.
  4. Raise your deductible if you can afford it.
  5. Improve your credit score.
  6. Try pay-per-mile insurance if you’re a safe driver.
  7. Consider customer satisfaction as well as price.
  8. Choose a safe, low-risk car to get lower rates.
  9. Think twice about small claims to avoid high rates.
  10. Shop around every year or after life-changing events.

What car insurance coverage do I need?

In most states, each driver needs to have at least liability coverage, and sometimes personal injury protection and uninsured driver coverage. The types and limits of car insurance coverage you need are different for every state. When shopping for car insurance, you might see these limits written like 25/50, which means $25,000 bodily injury liability and $50,000 property damage liability.

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.

Compare car insurance companies

Avoid these car insurance mistakes

Farmers Insurance

Kirby George

Farmers Insurance, Licensed Insurance Agent

The biggest mistake I see people make is shopping for price.

When shopping for a car, a house or even a sweater, the average consumer understands they’re going to get what they pay for. If you want a Cadillac, you’re going to have to pay more than you would for a Ford.

If you want a brand-new 2,500-square-foot home, you expect to pay more than you would for a 20-year-old mobile home. When you shop for clothes, you pay more for new than you do at a thrift shop. Insurance is no different!

What factors affect my car insurance quote?

Your insurance quote comparisons can look quite different across several companies. That’s because insurers use info about you to determine your driving risk and set your quotes, based on factors like whether you park on the street or in a safe neighborhood and how many miles you drive each year.

The 10 biggest factors that affect your rates:

How do I read my quote?

A car insurance quote estimates the monthly rate you might pay with a particular insurer. Your quote may total costs by the month, the year or for every six months. Payment frequency should be listed near the estimated premium.

You might also see your coverage limits written as 50/100/25. These numbers represent the dollar amount of coverage you have for physical damage and bodily injury liability:

  • 50 = $50,000 for bodily injury liability per person involved in the accident
  • 100 = $100,000 for bodily injuries total per accident
  • 25 = $25,000 for physical damage liability per accident

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