Compare auto insurance quotes properly, and stop paying for the difference
This is an independent comparison and education site — no affiliation with any specific insurance carrier. We show what's actually being priced on a US auto policy, how to quote it like for like, and what each coverage really does.
Where should you start?
Six routes through the same subject
Pick the one that matches what you're actually trying to decide.
What each coverage does
Liability, collision, comprehensive, uninsured motorist — in ordinary language.
Read the coverage guide →Why your premium is what it is
What you can change this month, what improves slowly, and what's out of your hands.
See the rating factors →Comparing without getting caught out
The four places a cheaper quote is usually hiding something.
Learn the method →State minimum vs. real protection
Legal minimums satisfy the law. They rarely satisfy your actual finances.
See the gap →When a claim happens
What to do at the scene, what the adjuster is doing, and where claims go wrong.
Read the claim guide →SR-22 and high-risk situations
What an SR-22 actually is, who needs one, and how shopping for it differs.
Read the SR-22 guide →Work out the two numbers that decide your price
Your deductible and the true annual cost of a quote. Both take under a minute, and both run entirely in your browser.
Deductible vs premium scenario
Find the point where a cheaper premium stops being cheaper, based on how often you actually expect to claim.
Assumptions this uses
- Both options are assumed to cover the same things — if they do not, this comparison does not hold.
- The deductible is assumed to apply once per claim.
- Premiums are treated as fixed for the year; a claim may change your renewal price.
- No fees, taxes or installment charges are included.
Limitations: this does not account for how a claim affects your future premium, for differences in policy wording, or for any coverage limit other than the deductible.
Runs entirely in your browser.
Write your coverage spec down before you request a single quote
Decide your liability limits, deductibles and any optional coverage first, in writing. Then quote that exact specification everywhere. Any quote that doesn't match it is a different product, not a better price — this one habit prevents almost every comparison mistake on this site.
Ask an auto insurance question
Explains terms, walks through general scenarios, and helps you prepare questions for an insurer. Five free replies. It cannot quote you a price or determine your eligibility.
Tell us what you're trying to figure out
This form isn't an application and doesn't determine your eligibility. It's a way to get a relevant comparison option in front of you, or ask us a question directly.
Nothing you submit is sold, and no insurer pays for a position on this site.
Partner link — we may be paid a fee at no cost to you. How we make money.
Ready to see real numbers?
Once your coverage spec is written down, a multi-insurer comparison tool is the fastest way to see what it actually costs across the market.
Compare quotes →Things worth having in the car and the filing cabinet
Not insurance products — ordinary items that prevent claims or make one easier to prove. Amazon links, clearly marked.
How we make money: some links here are partner or affiliate links and we may be paid a fee at no cost to you. It never changes what we write or how options are ordered — see our disclosure and methodology.
Roadside emergency kits
Warning triangle, jump leads, first aid — the things you cannot improvise.
Check price →Glovebox document organizers
Registration, insurance card and your claim checklist, in one place.
Check price →The Auto Insurance Quote-Comparison Checklist
Fifteen minutes with this checklist before you shop is the difference between comparing real numbers and comparing whatever an insurer's default settings happen to produce. It includes a fillable worksheet, the questions worth asking any insurer, and official sources to check.
If you're ready to get quotes
We do not sell insurance and no carrier pays for a position here. These are commercial routes, labelled as such. Read the comparison criteria first — they make the quotes far more useful.
How we make money: some links here are partner or affiliate links and we may be paid a fee at no cost to you. It never changes what we write or how options are ordered — see our disclosure and methodology.
Multi-insurer quote comparison
Compare several insurers against the same coverage specification. Have the checklist to hand so every quote is built on identical facts.
See comparison options →Auto insurance questions people actually ask
No hedging, no upsell. Where the honest answer is 'it depends', we say what it depends on.
Is this site affiliated with any auto insurance company?
No. This site has no affiliation with any insurance carrier, despite the domain name. We are an independent education and comparison resource — we do not sell insurance and no carrier pays for a position on this site.
What does 'full coverage' actually mean?
Nothing legally — it isn't a defined product. People generally use it to mean liability plus collision plus comprehensive. Because different sellers mean different things by it, ignore the phrase and check the individual coverages and their limits on the declarations page instead.
How much liability coverage should I carry?
More than your state's minimum in almost every case. Liability pays for the injuries and damage you cause to other people, and anything above your limit is your personal responsibility. Minimums in many states are far below the cost of a serious accident, and raising the limit is usually one of the cheapest changes on the policy.
Is a higher deductible worth it?
Only if you could pay it tomorrow without borrowing. Raising it lowers the premium and raises what a claim costs you. Use the deductible calculator on this site to see the point where one option overtakes the other, based on how often you expect to claim.
What is SR-22 insurance?
An SR-22 is a certificate your insurer files with your state confirming you carry the required liability coverage — it's a filing, not a separate insurance policy. It's typically required after certain driving violations, and it usually raises your premium because it signals higher risk to insurers. See the SR-22 guide for who needs one and roughly how long it typically lasts.
Does my credit really affect my car insurance?
In many US states, insurers use a credit-based insurance score as a rating factor. It is not your credit score, and several states restrict or prohibit its use entirely. Your state insurance department publishes what is permitted where you live, and that is the source to trust over any article, including this one.