hero01 Created with Sketch.

Find the Best Car Insurance Quotes

Enter a valid zip
hero02 Created with Sketch.
Carriers in our network:

Get Auto Insurance Near You

Get rate estimates
Our car insurance estimator provides customized rates based on your input, giving you an idea of what you can expect to pay and how much coverage you should buy.
Compare car insurance
Doing a car insurance comparison of costs is one of the most effective ways to get the best deal on your coverage. You save money because you'll see which carrier offers the cheapest rate for your particular circumstances.
Buy car insurance online
Get expert advice on how to buy car insurance online, which is the best option if you want to shop on your own schedule and save time and money. We’ll walk you through the steps to take and help you decide what amount of coverage to buy.

Best Car Insurance Companies of 2020

Get expert advice on how to buy car insurance online, which is the best option if you want to shop on your own schedule and save time and money. We’ll walk you through the steps to take and help you decide what amount of coverage to buy.
View All Top Companies

Expert recommendations and guides on auto insurance

September 24, 2020

Find Cheapest Car Insurance in Hawaii (HI) for 2020

By Michelle Megna

The average car insurance rate in Hawaii is $485 a year. That’s about $90 less than the nationwide average ($574). Among major carriers analyzed by..Read More

September 24, 2020

Nevada Car Insurance - Find Cheap Rates and Insurance Laws in NV

By Michelle Megna

In our research, we found that average car insurance in Nevada (NV) is $717 per year ($60 monthly) for a state minimum and $2,402 yearly ($200 monthly) for a..Read More

September 24, 2020

Cheapest Car Insurance Quotes in Minnesota, MN for 2020

By Michelle Megna

In our research, we found that the cheapest car insurance company in Minnesota, MN for drivers with recent accidents is State Farm, among major carriers..Read More

September 21, 2020

Find Average Car Insurance Cost in Colorado with Experts’ Recommendations

By Michelle Megna

In our research, we found that average car insurance cost in Colorado (CO) is $553 per year ($46 monthly) for a state minimum  and $1,948 yearly ($162..Read More

September 21, 2020

Get Best Cheap Car Insurance in North Carolina (NC) for 2020

By Michelle Megna

In our research, we found that average car insurance in North Carolina (NC) is $438 per year ($37 monthly) for a state minimum  and $1, 425 yearly ($119..Read More

September 11, 2020

Will my insurance go up if I move?

By Michelle Megna

Get expert advice, tips and recommendations from our editorial team so you can learn more about your insurance policy coverage, and make better and informed decisions ..Read More

August 19, 2020

How much does it cost to add a teenager to car insurance?

By Michelle Megna

Get expert advice, tips and recommendations from our editorial team so you can learn more about your insurance policy coverage, and make better and informed decisions ..Read More

July 27, 2020

What is gap insurance, what does it cover and is it worth it?

By Michelle Megna

If your car is totaled or stolen, gap insurance coverage will pay the difference between the actual cash value (ACV) of the vehicle and the current outstanding..Read More

April 30, 2020

Average Car Insurance Cost for 2020

By Michelle Megna

The average cost of car insurance is $1,758 annually or $146 per month for a full coverage policy...Read More

April 24, 2020

What is the difference between Registration and Title?

By Michelle Megna

Get expert advice, tips and recommendations from our editorial team so you can learn more about your insurance policy coverage, and make better and informed decisions ..Read More

April 11, 2019

How Much Car Insurance Do I Need?

By Michelle Megna

Not sure how much car insurance you need? Get advice from our car insurance experts on how much coverage you should have to be sure you are financially..Read More

April 10, 2019

How To Insure A New Car

By Michelle Megna

Get expert advice, tips and recommendations from our editorial team so you can learn more about your insurance policy coverage, and make better and informed decisions ..Read More

July 9, 2020

2020 Best Cars For Teens

By Mark Vallet

Here are expert's top used-car picks for young drivers. Buy the right car and find the right discounts to get a cheap insurance rate for your teen..Read More

June 30, 2020

Average car insurance rates by age

By Michelle Megna

Your insurance rates are based, in part, on how old you are. Find out why age is taken into account and at what ages you can expect to pay the most and least..Read More

June 2, 2020

How much is car insurance for a 16 year old?

By Michelle Megna

The average car insurance rate for a 16-year-old is $7,023 a year for a full coverage, but you can still find affordable rates by following the steps in our..Read More

February 14, 2020

Factors that affect car insurance rates

By Michelle Megna

There are many variables that influence your insurance costs -- get the details on how car insurance companies assess your driver profile to determine your..Read More

December 19, 2019

Get Cheapest Car Insurance in 2020 with Tips from Experts

By Michelle Megna

Our research shows that Geico has the cheapest car insurance rates for a full coverage policy from $901, and Nationwide places second for the cheapest car..Read More

November 13, 2019

Non Owner SR22 Insurance: What to do if you Need SR22 But Don't Own a Car?

By Penny Gusner

The average cost of a non owners policy with an SR22 insurance for one DUI conviction is $1,752, based on a rate analysis by CarInsurance.com Senior Consumer..Read More

Car Insurance in US - Rates by State

Where you live plays a major role in what you pay for car insurance. That’s because your location is typically used as a springboard for calculating rates. Most insurance companies will consider the number and cost of accident claims in your area and set a base rate with that in mind. Then, the rate is adjusted up or down depending on other factors, such as your age, driving record and type of car you drive. Additionally, state laws differ in how much insurance you must buy to drive legally. In some states you need more than others to meet the minimum requirement mandated under law. ... See how state car insurance rates compare for various coverage levels and find out how rates are affected by age, accidents, tickets and other common scenarios in California, Texas, Michigan and every other state in the country. You’ll also learn how much coverage you should buy and get expert tips on how to save on your policy.Read More

Compare rates & Save up to $560* per year on auto insurance
Show all states
  • What is car insurance?
  • How does car insurance work?
  • What are the different types of car insurance?
  • Why get multiple car insurance quotes?
  • How will buying car insurance help you?

A contract to protect you and your vehicle for unforeseen risks

Car insurance is a contract between you and an insurance company that provides financial protection after an accident and when your car is damaged by other means, for instance from severe weather. The contract outlines how much the insurance company pays out for vehicle repairs and medical bills.

Understanding how it works

State minimum liability car insurance requirements outline the amount of coverage you need to drive legally. Your car insurance works by paying claims filed against you after an accident. If you cause an accident, a claim is filed to help pay to repair the other driver’s car or property, and to help pay medical bills for those you injure. If you are hit, the other driver’s liability insurance would pay to fix the damage to your vehicle and for your medical expenses. Collision coverage is optional, and pays for damage to your car regardless of who is at fault in an accident. Comprehensive coverage is also optional, and pays to replace your car if stolen, and to repair it after hail, fire, flooding, animal collisions, vandalism or falling objects cause damage to it.

Different types of car insurance come into play to protect you.

Liability insurance  is mandatory in nearly all states. It covers the cost of medical bills for those you injure and the damage you do to others’ property  and vehicles, up to the amount on your policy. Liability insurance does not cover damage to your car. Comprehensive coverage pays up to the cash value of your car to repair damage from hail, flooding, fire, falling objects and animal collisions. Collision coverage pays up to the cash value of your car to repair your car regardless of who caused the accident. Comprehensive and collision are not required, and come with a deductible, which is the amount you pay before your insurance company pays toward the bill.

Compare Multiple Quotes to Save

The price for a policy can differ by hundreds of dollars among insurance companies. That’s why comparing car insurance quotes from multiple companies is one of the most effective ways to save money. If you don’t shop around, you won’t know what the cheapest price is for the coverage you want. You should compare quotes from at least three companies, and at least once a year, for the same amount of coverage to be sure you’re getting the most affordable rate for your driver profile.

Buying insurance safeguards you from financial ruin should you have an accident.

If you have an accident and don’t have insurance, you will have to pay for all of the expenses out of pocket. Even minor accidents can cause thousands of dollars in damage. Major accidents with multiple injuries could bankrupt you without the safety net of insurance coverage. Additionally, you must have car insurance to drive legally in nearly all states. If you are cited for driving without insurance, you will likely have to pay fees and may face penalties, such as having your license and registration suspended, or even serving time in jail.

Buying car insurance gives you peace of mind by paying for medical expenses and car repairs of others after you’ve caused an accident. Liability car insurance pays for the damage you cause to other vehicles and for medical expenses of those you injure. Two additional types of car insurance protect your own car. Collision insurance pays to fix your car after an accident, regardless of who is at fault. Comprehensive insurance pays out to replace your car if it’s stolen and also pays for repairs after damage from hail, fire, flooding, animal strikes and vandalism.

car

Get Free Car Insurance Quotes Near You

Please enter valid Zip