Insuranks
Insuranks

Car Insurance Quotes: Compare Cheap Auto Insurance

Your ultimate cheap car insurance quotes comparison and shopping guide, online and offline.

Full Name:

ZIP Code:

Email:

Car maker:

Car model:

Car year:

Any violations in the past 3 years?

In partnership with:

Identity logo

In partnership with:

Coverwallet logo

icon Your information is secure with us and solely used to connect you to relevant insurance offers, companies and services.

Table of contents

1. How to Compare Car Insurance Quotes and Get Cheap Auto Insurance Online 2. What Are Car Insurance Quotes? 3. What is Car Insurance?  4. Auto Insurance Types and Coverage Options5. Car Insurance Quotes: The Ultimate Shopping Guide5.1. Car Insurance Quotes via Car Insurance Comparison Sites: 4.2/55.2. Worst and Best Car Insurance Comparison Sites Online Review5.2.1. Insuranks.com: 4/55.2.2. CarInsurance.com: 2/55.2.3. Compare.com: 4.6/55.2.4. CoverHound: 4.8/55.2.5. Esurance: 3.6/55.2.6. EverQuote: 0.6/55.2.7. Insure.com: 0.8/55.2.8. Insurify: 4.4/55.2.9. NetQuote: 2.6/55.2.10. PolicyGenius: 4.6/55.2.11. Quote.com: 2/55.2.12. QuoteWizard: 2/55.2.13. The Zebra Car Insurance Quotes Review: 3.2/55.3. Auto Insurance Quotes via Agents and Brokers: 3.9/5 5.4. Direct Car Insurance Quotes via Insurers: 3.7/55.5. Direct Car Insurance Companies Comparison5.5.1. Allstate Auto Insurance Quotes: 4.1/55.5.2. Amica Auto Insurance Quotes: 4.4/55.5.3. ClearCover Car Insurance Quotes: 3.8/55.5.4. Costco Ameriprise Car Insurance Quotes: 3.7/55.5.5. Farmers Car Insurance Quotes: 3.8/55.5.6. Freeway Car Insurance Quotes: 3.7/55.5.7. GEICO Car Insurance Quotes: 4.5/55.5.8. Liberty Mutual Car Insurance Quotes: 3.5/55.5.9. Mercury Car Insurance Quotes: 3.9/55.5.10. MetLife Car Insurance Quotes: 4.5/55.5.11. Nationwide Car Insurance Quotes: 4.5/55.5.12. Progressive Car Insurance Quotes: 4.8/55.5.13. Root Car Insurance Quotes: 4/55.5.14. Safe Auto Insurance Quotes: 3.75/55.5.15. State Farm Car Insurance Quotes: 4.3/55.5.16. Travelers Car Insurance Quotes: 4.5/55.5.17. USAA Car Insurance Quotes: 4.75/55.5.18. Direct Car Insurance Quotes Comparison: Wrapping it up5.6. Comparing Auto Insurance Quotes and Perks5.7. Car Insurance Quotes Comparison Tips5.8. How to Get the Cheapest Car Insurance Quotes5.9. Car Insurance Quotes Comparison Guide: Wrapping it up 6. Do I Need Car Insurance?7. Does Credit Affect Car Insurance Rates?8. What's Next? 9. References10. Safe Driving Resources

insurance > car insurance quotes


How to Compare Car Insurance Quotes and Get Cheap Auto Insurance Online

So your old auto insurance policy is expiring, or you just bought a new car (mazel tov!) and now it’s time to compare car insurance quotes from the best car insurance companies and get yourself the best, cheapest car insurance policy with sufficient coverage. 

Auto insurance comparison can become frustrating to deal with, time consuming and expensive. And yet, it is a must, for you to follow national and state-mandatory laws and regulations that pass legislation to protect drivers from unexpected financial losses that involves driving.

Through this page, you can compare car insurance quotes, companies, coverages and plans with ease, read our reviews and customer reviews and make the best decision for your needs. 

This page covers auto insurance from the bottom up - from facts and statistics, explanation of terms and types of auto insurance, to helping you compare cheap auto insurance quotes online for free, through quality car insurance comparison of companies, customer reviews and professional reviews.  


What Are Car Insurance Quotes? 

Car insurance quotes are estimates for what your auto insurance policy would actually cost and cover for you by the specific carriers. These quotes can be estimated by the carrier itself, by car insurance agencies, agents, brokers and comparison sites (licensed producers).

Auto insurance quotes are determined by the information available to the quoter, be it a company, agency, agent or broker. Mostly, your quotes are personalized and tailored to your own specific needs as per your driver history, background, vehicle information and other information. The more information the companies have, the more accurate your quotes are going to be.


Read more:

What is Car Insurance? 

Car insurance is a contract between you and an auto insurance company by which, in exchange for a premium, the company covers the potential cost of possible damages and financial loss that are a result of driving. 

We’ve all been there, accidentally bumping in to a car while trying to back into a parking spot, stopping short and getting rear-ended…the list of car accident possibilities is seemingly endless. But one thing is for sure, getting the damaged fixed can be incredibly costly! 

That's were auto insurance comes in to play. There are many different types of auto policies. Some cover typical accidents. Others consider theft, weather risks, bumping in to animals and depreciating car values. Confused by what all of this means? Let's take a deeper look…


Auto Insurance Types and Coverage Options

There are various auto coverage options and types: 


Car Insurance Quotes: The Ultimate Shopping Guide

When it comes to getting the best deal on your car insurance rates, there are a number of paths you can follow. You can use car insurance comparison sites, contact a broker or agency, or simply go direct to the insurer. Each approach has its advantages and disadvantages, but given the huge choice of options, it can be hard to work out which one works best for you.

That’s why we’ve put together “The ultimate shopping guide for auto insurance quotes.” We’ve looked at 12 key parameters that you need to consider when you’re looking for low cost auto insurance, namely:

  • Time: how much time and effort is needed to source the car insurance quotes?

  • Online: can you search for auto insurance quotes online and buy car insurance online?

  • Phone: can you use your phone to call and get car insurance quotes?

  • Face to face: can you source affordable car insurance via a face to face meeting?

  • Rates: can you get cheap car insurance rates using this method? 

  • Coverage: how good is the policy coverage offered and how much it fits your needs rather than providing you with insufficient coverage or a coverage that is beyond what you need?

  • Choice: can you compare car insurance rates from a range of companies?

  • Speed: how fast it is to get car insurance quotes? once you get the quotes, how long does it take to implement a new policy?

  • Saving: are there cheap car insurance quotes that offer worthwhile discounts and savings?

  • All States: do these free car insurance quotes can be applied in all states?

  • High Risk: is cheap insurance for young drivers, learners and other high risk drivers available?

  • Ease: how easy is the process when you compare car insurance quotes?


We’ll consider the main pros and cons of each approach to sourcing auto insurance quotes, and then we’ll use the same metrics to compare auto insurance from specific companies, brokers and car insurance comparison sites. We’ve used 1 to 5 scale ratings on our review: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad

Car Insurance Quotes via Car Insurance Comparison Sites: 4.2/5

For convenience, speed, and ease of use, it’s hard to beat auto insurance quotes comparison sites that offer free, instant car insurance quotes online. Simply enter your details once, press a button and hey presto - you have a detailed comparison of what’s on offer, making it easy to compare and contrast rates from a range of different companies. What’s not to like?

Well, actually, there are a number of potential downsides to using an online comparison site. First, it may be giving undue prominence to sponsored deals which aren’t necessarily the best solution for you. Second, the market coverage may be limited, meaning you could be missing out on certain deals that are only available direct. And probably most important of all, it may not be comparing like with like. Those cheap auto insurance quotes might look good on paper, but they may be hiding conditions like high deductibles, or no accidental damage.

Having pointed out some of the shortcomings of online comparison sites, it’s important to stress that for the most part, they’re a really useful and welcome tool. These sites make it easy to compare auto insurance quotes, and if your time is limited, they’re a great choice. You could spend a week phoning round all the different insurance companies, but if you end up saving yourself $25, was it really worth it? Plus, the other side of the equation is that there are some really great online deals that can save you serious amounts of cash.


PROS 

- Just so quick and easy to use

- Rates from a range of companies

- Instant coverage is available


CONS

- You may be missing out on certain deals, plus some companies may not be listed online on certain sites


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone3
Face to face1
Rates5
Coverage4
Choice5
Speed5
Savings5
All States4
High Risk3
Ease5


Worst and Best Car Insurance Comparison Sites Online Review

With so many car insurance quotes comparison sites to choose from, we sometimes wonder whether there’s a need for a comparison site for all the online comparison sites out there!

That said, going online is the best option for auto insurance quote comparisons, and if you want to buy cheap auto insurance online, they’re definitely the way to go. What you want to do is find the site that is most relevant to your online auto insurance needs. 

Comparison sites fall into three categories: actual insurance companies or agencies, websites which genuinely compare rates, and lead generator sites that collect your details and then send it to their partners, typically insurance companies or agents, in this instance. 

In our experience, the leading sites are generally similar in terms of end results and services they offer. The most important thing you should check is how many insurance companies the website covers: some sites are better than others in this respect, and many select their network of agents more carefully than others. 

For comparison purposes, we’ve considered the following:

  • Type: insurance company or agency (ICA), comparison site (CS) and lead generator (LG)

  • Online quotes: are your car insurance quotes provided directly or do you have to visit another site?

  • Scope: the number of companies compared (excellent, good, fair or poor)

  • Accuracy: how the initial auto insurance quote compares to your final auto insurance premium payment

  • Speed: how long the auto insurance quoting process takes

  • Ease: how easy to use the website is.

We’ve then given an overall score, plus our assessment of the pros and cons of each site. So here’s our rating of the worst and best car insurance comparison sites:

WebsiteInsuranks Score
CoverHound4.8/5
Compare.com4.6/5
PolicyGenius4.6/5
Insurify4.4/5
Insuranks.com4/5
Esurance3.6/5
TheZebra3.2/5
NetQuote2.6/5
CarInsurance.com2/5
QuoteWizard2/5
Quote.com2/5
Insure.com0.8/5
EverQuote0.6/5


Insuranks.com: 4/5

Insuranks.com is the insurance comparison website you're currently on. It is an educational resource for insurance consumers to help you become customers with higher awareness. Insuranks.com also ranks insurers, agencies and even comparison sites based on customer ratings, reviews and experiences. Insuranks.com comparison tool connects you with the broadest variety of companies, while educating you about them through content and customer reviews. With some insurers, Insuranks.com provides the best car insurance quotes you can ever find online. 
To compare car insurance quotes through Insuranks.com, simply go to the top of this page and enter your ZIP code.

PROS

- Superb coverage and choice of companies

- Wonderfully simple

- User friendly interface

- Very customer-centric and educational

- Customer reviews and ratings


CONS
- It doesn’t list the quotes, only connects you to places where you can get them

BEST FOR: Education, ease of use, largest selection of insurance companies, deals you cannot find on other comparison sites

ParameterRating
TypeComparison Site
Online quotesMostly no
ScopeExcellent
AccuracyExcellent
Speed Excellent
EaseExcellent

CarInsurance.com: 2/5

CarInsurance.com is a lead generator owned by QuinStreet Inc, an online digital marketplace pioneer. CarInsurance.com doesn't provide online quotes and after you fill in your details it simply connects you with very limited 1 to 5 auto insurance options, which you can click on to get your quotes from, but you will have to fill in your details all over again. 

PROS

Easy to use interface


CONS
- Doesn't provide quotes, only sell your leads and connects you to third party partner sites where you will have to re-enter your details all over again. Poor experience.
- Very limited number of results (1 to 5)

BEST FOR: Drivers in a rush to get coverage who don't mind the poor selection and experience

ParameterRating
TypeLead Generator
Online quotesNo
ScopePoor
AccuracyPoor
Speed Excellent
EaseExcellent

Compare.com: 4.6/5

Compare.com is a car insurance comparison shopping website and licensed agency. It is a sister company of Confused.com, a UK car insurance comparison pioneer, both owned by Admiral, an international insurance group. 

PROS

Compares auto insurance rates from over 50 companies

- Auto insurance focused

- Trusted brand


CONS
- Other websites offer a greater choice of customizable options

BEST FOR: Multiple payment options

ParameterRating
TypeInsurance Agency
Online quotesYes
ScopeExcellent
AccuracyExcellent
Speed Good
EaseGood

CoverHound: 4.8/5

CoverHound.com has some of the best comparison technologies in the market, and also works in partnership with a number of other sites. 

PROS

- Excellent user experience

- Technologically advanced

- Provides many different coverage options from multiple companies

- Allows you to edit your required coverage details, customize it and add coverage as you wish to receive quotes for your exact auto insurance needs

- Automatically calculate discounts

- Real final rates due to direct relationship with 26 auto insurance carriers


CONS
- Not available in Alaska, Hawaii and Massachusetts
- Some of the best car insurance providers are not included in their comparison

BEST FOR: User experience and Quote Accuracy.

ParameterRating
TypeInsurance Agency
Online quotesYes
ScopeGood
AccuracyExcellent
Speed Excellent
EaseExcellent

Esurance: 3.6/5

Esurance.com is a direct insurance company that is a wholly owned subsidiary of Allstate, targeted at customers who prefer to buy insurance online or on the phone. 

PROS

Trusted brand

- Great interface, really useful online tools and powerful apps


CONS
- Only provides suggestions for few other insurers, without providing real time quotes, its sole purpose is to sell its own policies rather than those of other insurers
- Only available in 42 states at the moment, but constantly expanding

BEST FOR: Time-poor, tech-savvy users

ParameterRating
TypeInsurance Company
Online quotesYes
ScopeFair
AccuracyPoor
Speed Excellent
EaseExcellent

EverQuote: 0.6/5

EverQuote.com is one of the biggest lead generators in the insurance space. 

PROS

- Can't think of any


CONS
- It doesn't provide any quotes or added value, just car insurance ads, even very few ad options
- Long and exhausting form filling that doesn't end up with any quotes, only with ads, they then sell your information as a lead to anyone that buys it from them, beware

BEST FOR: Drivers who want their lead information sold to auto insurance carriers and agents through EverQuote.

ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Poor
EaseFair

Insure.com: 0.8/5

Similarly to CarInsurance.com, Insure.com is another comparison site owned by leading online digital company QuinStreet Inc. 

PROS

- User friendly interface


CONS
- Much like its sister company, CarInsurance.com, Insure.com doesn't provide rates but gives back car insurance ads after filling in their detailed form, which is then sold as a lead to their partners which will contact you

BEST FOR: Same as EverQuote's.

ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Poor
EaseGood

Insurify: 4.4/5

Insurify.com is a highly innovative and successful start-up comparison site. 

PROS

Fills in your vehicle information based on a photo of your license plate!

- Provides an intelligent chatbot throughout the quoting process and customer support

- Utilizes its great technology to match you based on your individual risk profile to carriers its AI thinks is best for you

- Has direct partnerships with leading insurers (provided results from over 10 insurers)


CONS
- Less comprehensive when it comes to post quoting, aka the purchase process

BEST FOR: Comparing auto insurance quotes from large, leading car insurance companies

ParameterRating
TypeInsurance Agency
Online quotesYes
ScopeGood
AccuracyGood
Speed Excellent
EaseGood

NetQuote: 2.6/5

NetQuote.com is one of the longest established lead-generation type comparison sites. 
Their lead form consists of 5 stages: vehicle, drivers, coverage, incidents and contact information. Very user friendly and to the point. After filling up the information we received online ads. No accurate quotes. They also sell your lead information to their company and agent partners who then get in touch with you to give you offers based on this information.

PROS

Covers other insurance types

- Complete one user friendly form for multiple quotes


CONS
- Be ready to receive LOTS of calls as such sites sell your lead information to whoever pays for them

BEST FOR: Those who want to receive direct calls about car insurance rather than get it done online

ParameterRating
TypeLead Generation
Online quotesNo
ScopeFair
AccuracyPoor
Speed Excellent
EaseExcellent

PolicyGenius: 4.6/5

PolicyGenius.com is one of the fastest growing, independent comparison sites, and works in partnership with CoverHound. 
PolicyGenius brings an innovative, user friendly approach to online car insurance quotes shopping and comparison.

PROS

Fresh, innovative approach

- Easy to use


CONS
- Not auto insurance focused, offering all types of insurance

BEST FOR: Bundle discounts

ParameterRating
TypeComparison Site & Insurance Agency
Online quotesYes
ScopeGood
AccuracyGood
Speed Excellent
EaseExcellent

Quote.com: 2/5

Quote.com claims to provide insurance quotes from leading carriers, however, in real life it is a lead generation website that collects your information and matches you with its partners.
After filling out their online form several times with different information, we only received 2 matches online of the same two leading carriers with no accurate quotes, claiming that 15 others were "below rate threshold". Upon clicking through, we were referred to their websites with the entered information pre-filled on their website, so we just had to fill out a bit more required information to get an actual quote.

PROS

Intuitive and easy to use form


CONS
Only matched us with 2 carriers online with no accurate quotes

BEST FOR: Form ease of use

ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Excellent
EaseExcellent

QuoteWizard: 2/5

QuoteWizard.com claims to compare carrier and agent rates nationally and locally. It is owned by Lending Tree.
Its review is identical to that of Quote.com's as it provides the exact experience.

PROS

- Friendly interface


CONS
Matched us with 1 result without an online quote

BEST FOR: Friendly interface for form filling

ParameterRating
TypeLead Generation
Online quotesNo
ScopePoor
AccuracyPoor
Speed Excellent
EaseExcellent

The Zebra Car Insurance Quotes Review: 3.2/5

TheZebra.com insurance quotes promises insurance in black and white, hence the name! 
In real life, they're user experience is excellent when it comes to collecting the information and required coverage details, however, it was very disappointing to receive only 1 actual priced quote, with 4 other options which were practically ads within their top 5 quotes.
After scrolling down to look at other results, we found about 5 other actual priced quotes, which weren't cheap at all.
When clicking on one of the results, we were transferred to the partner company's website with the information pre-filled, yet our real life quote at their website was almost double the price quoted at TheZebra.com car insurance quotes interface.

PROS

Simple to use, friendly interface


CONS
- Doesn't always show actual quotes, and when it does it wasn't accurate

BEST FOR: User experience friendliness

ParameterRating
TypeComparison Site / Agency
Online quotesInconsistent
ScopeGood
AccuracyPoor
Speed Good
EaseExcellent

Auto Insurance Quotes via Agents and Brokers: 3.9/5

One of the greatest disadvantages of the Internet is that it’s made us forget the value, pleasure, and security of doing business face to face. You can use your computer to find cheap car insurance quotes, or make a call on your phone. But, sometimes, nothing beats the experience of a good old-fashioned personal business relationship.

Using a broker or an agency to get free car insurance quotes offers many advantages over buying your car insurance online. Yes, the process usually takes a little longer, particularly in the beginning, but over time, you may find that using a broker or agent will actually save you time.

Before going any further, it’s important to explain the difference between an insurance broker and an insurance agent. A broker is fully independent, and can recommend solutions from any insurance company that allows brokers to sell their policies. In that respect, the broker is working for you, the buyer. They make their money through commissions or fees on the products they sell.

An agent, on the other hand, is an extension of the insurer. A captive agent typically represents one or two companies, whereas an independent agent works on behalf of multiple insurers. Some captive agents are salaried, but for the most part, agents also make their money through commissions or fees on the products they sell. By the way, both brokers and agents should provide you with details of their commission structures on any products they sell.

But regardless of commissions and fees, both brokers and agencies are insurance experts. It’s their business to know about all the policy options, latest offers and new product developments. They know the auto insurance market inside out, and you can benefit directly from their experience. They’ll take the time to talk to you so they fully understand your exact needs and can then recommend affordable auto insurance that suits you down to the ground.

There’s more. The advice they offer is impartial, and because of their wide knowledge and experience, they’ll often recommend companies or deals that you didn’t even know existed. Brokers and agents also offer proactive advice, and are on hand to provide expert assistance in the event of a claim. If you’re a people person who wants a quality auto quote, an agent or broker is the way to go.

Having listed all the advantages of using an agent or broker, are there any downsides? The answer is a coded yes. The most obvious drawback is that using a broker typically takes up more of your time. 

Go online on the other hand through sites like the one you're visiting, and you can compare cheap full coverage car insurance quotes online at the click of a mouse. Using an agent or broker is a more drawn out process, although for many people that’s not necessarily a problem.

But there’s also another potential issue. When you’re choosing an agent or broker, you want to make sure that you get a good one! As with any line of work, there are highly professional insurance brokers and agents out there, but there are some who are not so good. You can make your own judgements, but in our experience, the best idea is to ask people you know for a personal recommendation.


PROS
- You can benefit directly from their expertise and market knowledge
- Choice of coverage from many different companies
- The personal touch

CONS
- It takes time, plus the risk of choosing a dud broker or agent


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time1
Online2
Phone5
Face to face5
Rates5
Coverage5
Choice5
Speed3
Savings5
All States3
High Risk5
Ease3


Direct Car Insurance Quotes via Insurers: 3.7/5

When you’re looking for free auto insurance quotes, one of the best ideas is to contact insurance providers directly. Although you could use one of the price comparison sites to look for cheap car insurance online, there are some disadvantages to doing so. Firstly, some insurers don’t feature on such sites, and secondly, certain deals are only available if you go direct.

Of course, the biggest downside to contacting companies direct is that it takes a lot of time and effort on your part. The attraction of finding a great deal by going direct rather loses its appeal when you have to repeat all your details for the 15th time!

That said, you can be smart and short circuit the process. How so? By asking your friends, family and colleagues who they use for their auto insurance. Their advice will be based on real-life experience, and is guaranteed to be impartial. Armed with their recommendations, it’s much easier to draw up a more focused target list of companies to contact.


PROS
- Often you can get the best deals by going direct
- You’re not paying commission to a broker or online site
- Greater choice and flexibility on policy options


CONS
- Takes a lot of effort on your part to contact every single company


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time1
Online5
Phone5
Face to face3
Rates5
Coverage3
Choice1
Speed5
Savings5
All States5
High Risk5
Ease1


Direct Car Insurance Companies Comparison

We’ve selected some of the best car insurance companies and providers in America, and compared them on our range of metrics. Here's our review of getting direct car insurance quotes from the best, cheap auto insurance companies.


AAA Auto Insurance Quotes: 4/5
AAA (American Automobile Assurance) doesn’t actually provide insurance itself, but offers some great auto insurance policies via its partners, to its members. To read reviews and apply for AAA auto insurance quote, visit AAA Insurance.

PROS

- Great personal service

- Some useful additional benefits

- Very competitive rates for AAA members


CONS

- Insurance is provided via a third party


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates5
Coverage3
Choice3
Speed5
Savings5
All States3
High Risk3
Ease3

Allstate Auto Insurance Quotes: 4.1/5

Allstate is one of the top 4 auto insurance companies in America. To apply for your Allstate auto insurance quote, visit Allstate.
Related: How much is Allstate car insurance cost?

PROS

- Super local service via agents

- Great range of auto insurance policies

- Covers all your insurance needs


CONS

- Quality comes at a price


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates3
Coverage5
Choice2
Speed5
Savings3
All States5
High Risk3
Ease5

Amica Auto Insurance Quotes: 4.4/5

Amica is America’s longest established mutual insurer of automobiles. To apply for your Amica auto insurance quote, visit Amica.

PROS

- Fantastic customer service

- Excellent choice of auto insurance policies and coverage options

- Still a mutual


CONS

- Not available in all states


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates3
Coverage5
Choice5
Speed5
Savings5
All States3
High Risk5
Ease4

ClearCover Car Insurance Quotes: 3.8/5

ClearCover is one of the newer players on the market, and has a great technology-focus. To apply for your ClearCover auto insurance quote, visit ClearCover.

PROS

Great for techies!

- Really competitive car insurance rates

- Innovative approach


CONS

- Not available in all states


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face1
Rates5
Coverage3
Choice1
Speed5
Savings5
All States3
High Risk3
Ease5

Costco Ameriprise Car Insurance Quotes: 3.7/5

Costco Ameriprise is provided by American Family Insurance for Costco members. To apply for Costco Ameriprise auto insurance quote, visit Costco.

PROS

- Excellent rates and savings

- Standard coverage is generous

- Additional benefits for members


CONS

- Online experience on both website and app could be better


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time3
Online3
Phone5
Face to face1
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease3

Farmers Car Insurance Quotes: 3.8/5

Farmers is one of the top ten providers of car insurance in America. To apply for your Farmers auto insurance quote, visit Farmers.

PROS

- Wide range of customizable products

- Excellent local presence

- Good one stop shop


CONS

- Quality of customer service can depend on how good your agent is


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time3
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease4

Freeway Car Insurance Quotes: 3.7/5

Freeway Insurance is America’s largest, privately-owned insurance distribution company. To apply for your Freeway Insurance auto insurance quote, visit Freeway Insurance.

PROS

- Wonderfully easy to use website

- Low rates

- Good for high risk drivers


CONS

- Charge a fee for their services, plus coverage is via a third party


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face3
Rates5
Coverage3
Choice5
Speed5
Savings5
All States3
High Risk5
Ease5

GEICO Car Insurance Quotes: 4.5/5

GEICO is the 2nd largest provider of auto insurance in America. To apply for your GEICO auto insurance quote, visit GEICO.
More: Find out how much is GEICO car insurance cost.

PROS

Trusted brand

- Excellent customer service

- User friendly website and app

- Great rates


CONS

- Only available direct


BEST FOR: Cheap car insurance rates. (Root can get cheaper though)


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease5

Liberty Mutual Car Insurance Quotes: 3.5/5

Liberty Mutual is one of the biggest and longest-established auto insurance companies. To apply for your Liberty Mutual auto insurance quote, visit Liberty Mutual.

PROS

- Really good online experience via website and apps

- Will consider high risk drivers


CONS

- Not the best rates we found

- Only available direct

- Denies too many claims 

- Customers complain about bad customer service


BEST FOR: Teen drivers.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates1
Coverage3
Choice1
Speed3
Savings1
All States5
High Risk4
Ease5

Mercury Car Insurance Quotes: 3.9/5

Mercury is one of the best providers of low-cost car insurance. To apply for your Mercury auto insurance quote, visit Mercury.

PROS

Affordable rates

- Good for military families

- Wide range of discounts


CONS

- Coverage is fairly basic compared to some competitors

- Only available in a limited number of states


BEST FOR: Low-maintenance drivers who seek cheap car insurance rates on a very basic coverage.

We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time4
Online5
Phone5
Face to face5
Rates5
Coverage3
Choice1
Speed5
Savings5
All States1
High Risk3
Ease5

MetLife Car Insurance Quotes: 4.5/5

MetLife has been providing insurance services to customers since 1863. To apply for your MetLife auto insurance quote, visit MetLife Insurance.

PROS

Good rates via workplace affiliations

- Great range of policies and options

- Trusted brand


CONS

- Customer service can be patchy at times


BEST FOR: New auto owners.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease5

Nationwide Car Insurance Quotes: 4.5/5

Nationwide is one of the top 10 car insurance companies in America. To apply for your Nationwide auto insurance quote, visit Nationwide.

PROS

Online quote tool is really good

- Some nice add-ons, perks and additional resources

- Easy to do business with


CONS

- Some policies lack flexibility


BEST FOR: Drivers with poor credit.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage3
Choice1
Speed5
Savings5
All States5
High Risk5
Ease5

Progressive Car Insurance Quotes: 4.8/5

Progressive is the 3rd largest car insurance provider in America. To get your Progressive auto insurance quote, visit Progressive.
Read more: How much is Progressive car insurance cost

PROS

Excellent coverage as standard

- Unbelievable choice of options

- Brilliant range of online resources, including the quote tool


CONS

- Not the best for high risk drivers


BEST FOR: Setting fantastic standards for any coverage.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice5
Speed5
Savings5
All States5
High Risk3
Ease5

Root Car Insurance Quotes: 4/5

Root is a new and innovative player in the car insurance market that bases its rates on driver behaviour and rewards good drivers through an AI-based app that tracks your driving. To download the app and apply for your Root auto insurance quote, visit Root Car Insurance.

PROS

Low rates - the cheapest?

- Rewards safe drivers

- Some nice benefits included, like roadside assistance


CONS

- Quote process is slow and requires a test drive for several weeks where the Root app's AI measures your driving habits initially

- Doesn't accept bad or high risk drivers to maintain a high quality 


BEST FOR: Cheapest car insurance rates and Millennial drivers who are looking to become better drivers and get rewarded for it with even better rates!


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time2
Online5
Phone5
Face to face1
Rates5
Coverage5
Choice3
Speed4
Savings5
All States3
High Risk2
Ease5

Safe Auto Insurance Quotes: 3.75/5

SafeAuto specializes in providing car insurance to customers who may not be able to source it elsewhere, such as high risk drivers. To get a Safe Auto car insurance quote, visit Safe Auto.

PROS

Flexible coverage available

- Competitive rates

- Good for high risk drivers


CONS

- Customer service is not always the best


BEST FOR: High Risk Drivers.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time4
Online3
Phone3
Face to face3
Rates5
Coverage4
Choice2
Speed5
Savings5
All States3
High Risk5
Ease3

State Farm Car Insurance Quotes: 4.3/5

State Farm is the number one provider of car insurance in America. To get your State Farm auto insurance quote, visit State Farm.
Read more: How much is State Farm car insurance cost.

PROS

Top brand

- Personalized service

- Great coverage

- Mutual


CONS

- Policies aren’t always the cheapest


BEST FOR: Drivers who wants to be on the safe side and seek peace of mind that there is a reliable company behind them, that they are well covered and get good service


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates3
Coverage5
Choice1
Speed5
Savings5
All States5
High Risk3
Ease5

Travelers Car Insurance Quotes: 4.5/5

Travelers is a long-established, top ten company in car insurance. To get your Travelers auto insurance quote, visit Travelers.

PROS

Excellent multi-policy discounts

- Easy to tailor your policy

- Trusted brand


CONS

- Certain features not available in some states


BEST FOR: Drivers who require an affordable car insurance policy that's tailored to their specific needs from a trusted company.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice1
Speed5
Savings5
All States3
High Risk5
Ease5

USAA Car Insurance Quotes: 4.75/5

USAA is the leading provider of insurance to military members, veterans and their families, known for excellent rates and reliability. To apply for your USAA auto insurance quote, visit USAA.
Learn more: How much is USAA car insurance cost

PROS

Great deals for military personnel and their families

- Excellent reputation for customer service

- Useful additional benefits

- Among the cheapest car insurance quotes


CONS

- Not open to non-military customers


BEST FOR: Military members, veterans and their families.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Bad
  • 1: Very bad
ParameterRating
Time5
Online5
Phone5
Face to face5
Rates5
Coverage5
Choice3
Speed5
Savings5
All States5
High Risk4
Ease5

Compare Cheap Car Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

In partnership with:

Identity logo

In partnership with:

Coverwallet logo

Direct Car Insurance Quotes Comparison: Wrapping it up

CompanyInsuranks ScoreBest For
Progressive4.8/5Coverage standards and high risk drivers
USAA4.75/5Military people and their families
GEICO4.5/5Cheap car insurance rates (Root gives a good competition though)
MetLife4.5/5New car owners
Travelers4.5/5Tailored car insurance policies at affordable rates
Nationwide4.5/5Poor credit
Amica4.4/5Customer satisfaction
State Farm4.3/5Peace of mind
Allstate4.1/5Customer service & coverage options
Root4/5Cheapest rates; Millennials looking to get rewarded for improving as drivers
Mercury3.9/5Basic coverage rates
ClearCover3.8/5Technology-centric car insurance
Farmers3.8/5Teenagers and young drivers
Safe Auto3.75/5High risk drivers
Freeway3.7/5High risk drivers, Spanish speakers & SR22
Costco Ameriprise3.7/5Discounts

Comparing Auto Insurance Quotes and Perks

Comparing auto insurance quotes will give you a more comprehensive view of your options. Well, a wide variety of choices will easily overwhelm you at first. Your decision-making may get clouded, but you have to decide on an insurance product and company that fits you. 

Some insurance companies would bombard you with attractive options, even discounts or freebies. However, you must dismiss that “halo effect” and decide on what car insurance coverage matches your actual needs, budget and profile. 

Rates would also differ because it depends mainly on certain factors such as credit history, age, gender, car type and value, driving record, location or ZIP code, number of miles per year, state and a whole lot of other factors. 

With that in mind, it would be impossible to compare the quotes of a 20-year-old male from Hawaii with the auto insurance prices a 60-year-old female driver from Michigan would receive. A lot of variables would be counted in to determine the auto insurance rates for a specific client or individual. 

When comparing rates, after making sure you have all your needs covered, check the company's average score, as well as car insurance promos or discounts that you may qualify for. Once you have shortlisted some of the best car insurance companies that have the right auto insurance coverage, products, rates and ratings, you should do a background check and read some reviews and ratings that other customers have left on their company page.

This will help you gain a more refined or realistic perspective of what the company can offer and how they treat their clients and policyholders. While the advertising mumbo jumbo can reel you into a company’s offers, feedback from real users would give you a fresh and real-time perspective on the credibility, performance, service, coverage and trustworthiness of an auto insurance company. 

When shopping for car insurance, you are most likely to choose a titan in the industry or a reputable, large, well known auto insurer. Well, this makes sense, after all, you would want to invest in a company that has earned its stripes in the industry. The staying power of a company has a lot to say about its resilience, financial strength and relevance in the market. It is assumed that large-scale auto insurance companies are sometimes more resilient and more likely to be able to afford paying your claims. But this is not always true and this is why you should check a company's online reputation and reviews by their customers ahead of choosing it.

On the other hand, there are also perks that follow through by signing up with a smaller car insurance company. Well, these startups are able to offer a fresh, modern, digital and customized service to their clients because the young blood in the industry tends to bring in innovation and personalization first in their roster of services. Along with other things. One of these companies is Root Car Insurance, which you can read about in further detail on our ultimate car insurance quotes shopping guide below.


Car Insurance Quotes Comparison Tips

  • Dig up more information on this website about car insurance companies and understand their online reputation. Read customer reviews, ratings and testimonials online and observe how their customers have experienced them. This reveals a lot about the company's overall experience and reliability. 

  • Check on your state’s insurance department to determine the car insurance type mandated by law. In general, most states would require liability insurance and with minimum coverage for property damage and bodily injury.

  • Ask for recommendations and referrals from family and friends regarding auto insurance companies and agents. Word-of-mouth remains a very strong determining factor when deciding on what car insurance company to trust.

  • Get maximum auto insurance quotes from as many different companies as possible: Request product brochures and quotes from different insurance companies through this website or through a local agent/agency and then compare them one by one. You want all of the options on your table before making such important decision. What's the rate? what it covers? how reputed is the company? Pay a bit more attention to the little details such as payment options, deductibles, exclusions, discounts, and hidden fees. 

  • Make a shortlist of your preferred car insurance providers, quotes and offers and then verify their legitimacy and licensure with your state’s insurance department.

  • Take note of some questions you might have about the car insurance coverage and other details. Ask car insurance company representatives and/or agents if your credit history would affect rates in different companies, if the coverage would cover rental cars when traveling, or if speeding ticket/driving history would affect the premium.

  • Prioritize paying your premiums on time. Non-payment of premiums could result in a lapse in your vehicle insurance coverage. There are auto insurance carriers who would offer direct withdrawal from your checking account to prevent lost coverage.


How to Get the Cheapest Car Insurance Quotes

There are factors that determine your car insurance quotes like your gender and age that are out of your control. However, there are a couple of factors that you have total control of, like your credit score, driving record, mileage, type or brand of car, and the amount of car insurance coverage. 

Basically, your car insurance cost would depend on the risk factors auto insurance providers take in to account. So, basically, they would want to weigh in on the probability that you’ll be filing claims on your car insurance. 

In order to qualify or get the cheapest car insurance rates, you have to research and compare the rates of different car insurance companies. You have to look into the car insurance providers that have that good match of affordability plus excellent customer service. 

You also have to check on your own credit report and driving record to make sure it’s clean and in good standing. Basically, a car insurance company would assess your likelihood of getting into an accident and filing claims. So, if you have citations for DUI, incurred accidents, or have other driving violations, then you will be considered a high-risk client and would have higher insurance rates than someone who has a clean driving record and high credit score. 

In fact, if you’re a safe driver, there are several car insurance companies that would give you discounts for that plus also get lower rates over time. An app is used to monitor and assess your driving behavior, which will be the basis for discounts.

Also, if you happen to have a car that is costly in terms of car repair and mechanical breakdown, then your car insurance rates would also increase. However, with older cars, your car insurance company could give you discounts or a reduction in prices. 

Choosing the lowest amount of auto insurance coverage also helps you save on your car insurance fees. Additionally, you may also opt to choose a higher deductible, which translates to less risk for your auto insurance company and minimal costs for you. 

Another option to get cheap auto insurance quotes is to take advantage of the auto insurance discounts that your company has. Discounts such as paperless billing, good student discounts, multi-policy discounts, and multi-car discounts will give you more savings on your auto insurance fees.


Car Insurance Quotes Comparison Guide: Wrapping it up

Whether you buy your car insurance direct, online, or via a broker, there are advantages and disadvantages to each approach. Which route works best for you depends on your specific needs, technical skills and time constraints, plus whether you value service and personal touch over cheap car insurance rates and discounts. We hope the insights here help you make the best choice for yourself in regards to comparing auto insurance quotes to get you on the road fast, protect you well and fit your budget. You are, of course, invited to use our car insurance quotes comparison tool to get connected with great auto insurers, find information about them, read customer reviews and get the best car insurance coverage for you.


We’ve used 1 to 5 scale ratings: 

  • 5: Excellent
  • 4: Good
  • 3: Fair
  • 2: Poor
  • 1: Very poor
Car Insurance Quotes Comparison MethodInsuranks Score
Comparison Sites4.2/5
Agents & Brokers3.9/5
Direct 3.7/5


Do I Need Car Insurance?

Definitely. Unless you live in New Hampshire. That’s right. 49 out of the 50 states require that you have an active car insurance policy. In New Hampshire, you must be able to prove that you are able to afford any damage done to your car, which can cost thousands upon thousands of dollars... so, don't live in New Hampshire! (Just kidding!) 

Does Credit Affect Car Insurance Rates?

92% of insurers now take credit into account when determining auto insurance quotes. Why? Taking your credit in to account helps them predict their losses and the risk they are carrying by covering you. 

So now you might be wondering what other factors can play a role in determining your auto insurance rates. Here are a few:

  • Age: Are you a young driver? A teenager? Over 60?
  • Experience level: How many years have you been driving? experienced drivers are often more skilled and have a better ability to overcome obstacles and different driving situations
  • Driving history: Did you have accidents in the past? Were they your fault?
  • Location: The driving statistics in your location as well as other geographic factors
  • Type of vehicle: Some vehicles are more safe to insure and some are more "vulnerable"
  • Vehicle use: Do you use your car to commute to work? school? pleasure? travel? all of them? some other use maybe? 

We suggest you take a minute to think about your risk as a driver to the car insurance company. 

  • Are you a new driver? 
  • Living in a place with lots of potholes? 
  • Driving an old car? 
  • Or maybe just a bad driver? 

All of this impacts your auto premiums. This shouldn’t deter you, however. The cost of a car accident is still much higher!!

Car accidents cost the United States about $231 billion every year. Yes, you read that right. And accidents usually cost in the thousands. That's why being covered is so important and mandatory in most states. 

Your policy will have liability coverage limits. In auto insurance, this limit is usually broken down in to three components:

  • The maximum amount of money the insurance company will spend on your injuries
  • The maximum amount of money the insurance company will spend on people you injure
  • The maximum amount of money the insurance company will spend on property damage

Be sure to know what the liability limits are on your auto insurance plan.

In fact, it is important that we spend some time looking at the average car insurance cost per month. We know that finding a cheap auto insurance price is probably extremely important to you, but it is more important to make sure that you are well covered as well in case the unexpected happens... so sometimes it is better not to take the cheapest quote you get, but the cheapest one you get for the policy that covers you best. 

Your premiums will likely be paid either every month, every six months or annually. It is very important to stay up to date on your payments.


What's Next?


  • Make a list of your needs. What are you looking for? What is not important to you? Which of the auto insurance plan types best suits your needs?
  • Determine your risk based on the factors we discussed. 
  • Compare a maximum amount of quotes, companies and plans, to ensure that you have all of the options on your table and that you only find the best, most affordable and reliable car insurance near you that is the most suitable for you and your needs.
  • Don’t hesitate to reread this page and go through other car insurance related resources that are linked below. Education is key when it comes to auto insurance!



To sum up, driving and vehicle ownership can be fun and exciting. For many, a vehicle can reduce the time spent commuting to work, or can allow individuals to travel more flexibly around a town, city, state and even a country. 

Vehicle ownership is liberating - let’s keep it this way by driving safely, avoiding car accidents and having the best coverage for any unexpected financial expenses.

And now that you're well aware of the bigger picture it's time for you to purchase the best car insurance online through a proper comparison.

Compare Cheap Car Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

In partnership with:

Identity logo

In partnership with:

Coverwallet logo
Compare cheap auto insurance quotes in all 50 states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

References


Safe Driving Resources

Recent Reviews

Recent Posts


Auto Insurance
• SR22 Insurance Cost: Cheap SR-22 Insurance Quotes
• How Much Is Car Insurance in California: Average Cost (2020)
• Car Repair Insurance: Mechanical Breakdown Insurance Coverage
• Full Coverage Car Insurance: Compare Cheap Quotes Online
• How Much is Allstate Car Insurance: Cost, Rates & Quote

Auto Insurance

Life Insurance

Health Insurance

Home Insurance

Business Insurance

Travel Insurance

Cyber Insurance

Pet Insurance

Medicare Insurance