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Our top pick: Gabi

Get free quotes from top insurers for the exact coverage you need in minutes.

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
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.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

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 finder.com 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.

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.

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.

Join the millions of people who trust Finder to help them save them time and money.

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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.

Vandalism
Hitting a pole
Hail & storms
Floods
Hit and run

When should I shop for 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
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