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Double Check What You’re Paying

Not only is car insurance one of the top-5 monthly expenses for most people, it’s also one of the fastest growing costs in the entire US economy. Since 2021, car insurance costs have increased nearly 40%.

And that’s just in recent years. Looking further back, car insurance costs since 2015 have nearly doubled, with the average premium up 80% in the last 10 years. So when was the last time you changed insurers or shopped your current rate with your car insurance companies?

The Good News

Fortunately, rising costs are addressable with a little shopping around, and car insurance rate comparison is easier that ever, as more and more insurers make personal rate information available online. Comparing rates is simple and can take as few as a couple of clicks. Whether you want to switch insurers or just need a quote from somewhere else to talk to your insurer about a lower rate, taking advantage of new online comparison tools is a must to combat the rising price of car insurance.

Step-by-step

Remind yourself what you’re paying for car insurance today
Take one of the short online quizzes below, or choose from the top providers in the market
Submit the non-binding information to receive a new car insurance quote from a few different insurers (you’re not signing up to get contacted by anyone)
Get an online quote and compare it with your current rate
Decide whether you’re happy with your rate, want to swap to a new insurer, or just want to have a rate in mind to talk with your agent

Take our Insurance Match Quiz

Find the Best Rates for You

Use our dynamic matching algorithm to find the best insurer to fit your needs. Car insurance can vary widely based on individual needs, so let us help match you to some of the top insurers offering the best rates on the market. All without submitting any contact information.

Get Matched Today

Picking An Insurer

So, when it comes to car insurance, finding the right one can be a bit like finding the perfect fit for your favorite pair of shoes. There are a bunch of options out there, and it’s all about matching what you need with what’s available.

We’ve done some digging and found these top 10 car insurance companies that really stand out. They’ve got different perks and specialties, so we’ve highlighted what makes each of them shine. This way, you can figure out which one suits your needs best because let’s face it, everyone’s car insurance needs are as unique as their favorite pizza toppings.

What to Consider

Before diving into picking an insurance provider, it’s super important to understand what you need. Knowing the key coverage options available is like laying down the groundwork for your insurance journey.

You’ve got bodily injury liability coverage, which helps out with costs if someone gets hurt in an accident you’re responsible for. Then there’s property damage liability coverage that takes care of the other person’s vehicle or property damage if it’s your fault.

Ever heard of uninsured or underinsured motorist coverage? This one’s a lifesaver if you’re in an accident caused by a driver with little or no insurance.

Then there’s personal injury protection (PIP) which covers medical expenses no matter who’s at fault. It can even help with non-medical expenses like lost wages.

Medical payments coverage is kind of like PIP but only handles medical expenses. Comprehensive coverage is a big one, covering everything from theft to weather damage, while collision coverage tackles damages to your own car if you’re in a crash.

The lowest price we’ve seen for minimum coverage is around $622/yr.

Diving Deeper

But hey, those are just the basics. Every insurance company has its own twists and turns. Like, some might offer extra stuff for new cars or roadside assistance if you’re constantly dodging potholes.

Oh, and speaking of costs, the average yearly insurance bill in the U.S. is around $2,014 for full coverage and $622 for minimum coverage. But remember, those numbers are ballpark figures. Your actual cost depends on a ton of stuff—where you live, your driving record, and even your credit history. For instance, folks in Florida might pay way more than those cruising around in Maine. And if you’ve got a lead foot, expect to dish out more for insurance.

Search Insurers in 5 Clicks

Compare Rates with a Few Clicks

Use our dynamic matching algorithm to find the best insurer to fit your needs. Car insurance can vary widely based on individual needs, so let us help match you to some of the top insurers offering the best rates on the market. All without submitting any contact information.

Basically, understanding what you need and shopping around a bit can really help you find the best deal. So, doing a bit of homework specific to your situation and location could save you some serious bucks in the long run.