Get your free auto insurance quote

Enter your ZIP code, vehicle details and current insurance status in a comparison form, then review the prices carriers return. The whole process is free, takes about three minutes and does not obligate you to buy. You will need your vehicle year, make and model, your driver licence number and your current coverage limits to get a bindable price rather than an estimate.

About three minutes for an online comparison. Our median time from ZIP code to first quote is 2 minutes 41 seconds. Quoting a single carrier directly on its own website usually takes 8–12 minutes because you re-enter every detail from scratch.

Yes. Comparison sites are paid a commission by the insurance company when a driver buys a policy, so the service costs you nothing and the quoted price is the same as going to the carrier directly. Be cautious of any site that asks for a payment or a subscription to show you rates.

At least three, and ideally five to seven. In our 2026 rate study, drivers who compared three quotes saved an average of a possible fee a year, while those who compared six or more saved a possible fee. Returns flatten out beyond about eight carriers.

No. Insurers use a soft pull to calculate a credit-based insurance score, which is invisible to lenders and does not affect your credit score. You can compare as many quotes as you like without any impact.

Because every insurer uses its own rating formula. One carrier may weight your age heavily, another your ZIP code, another your credit-based insurance score or the repair cost of your specific trim level. The same driver routinely sees a a possible fee-a-month gap between the cheapest and most expensive quote for identical coverage.

There is no single cheapest company for everyone. On national averages USAA is cheapest for military families at a possible fee a month, followed by GEICO at a possible fee and Travelers at a possible fee for full coverage. But a driver with a recent at-fault accident often finds Progressive cheapest, and a teen driver often finds State Farm cheapest. Only your own quotes settle it.

You need your ZIP code, the year, make and model of each vehicle, the driver licence number and date of birth for every driver on the policy, your estimated annual mileage, and your current coverage limits if you have a policy. A VIN and your address make the quote more accurate but are not required to start.

The US average is about a possible fee a month for full coverage and a possible fee a month for state minimum liability in 2026. Your price depends heavily on your state: drivers in Michigan, Florida and Louisiana pay roughly double what drivers in Maine, Vermont and Idaho pay for the same coverage.

Yes, several carriers will return an on-screen price using only your ZIP code and vehicle details. A phone number is usually required only at the point of binding the policy, because the carrier needs verified contact details on the application.

Every six months, at each renewal. Also compare immediately after any life event that changes your risk profile: moving, getting married, buying a car, adding a teen driver, a violation dropping off your record after three to five years, or a significant credit improvement.

Yes, you can switch on any day. Your current insurer must refund the unused portion of your premium, though a few charge a small cancellation fee. Always bind the new policy first and make the start date match, so you never have a gap — even a one-day lapse raises future rates.

Full coverage is liability plus collision plus comprehensive. It is not required by any state, but your lender will require it if you lease or finance the vehicle. If your car is paid off and worth less than about a possible fee dropping collision and comprehensive is often the rational choice.

Not to start. Year, make and model produce a close estimate. The VIN pins down the exact trim, safety features and repair cost, so the final bindable price can shift by a limited amount once you supply it.

Usually, provided every answer you gave was accurate. Quotes change when the carrier verifies your motor vehicle record, claims history or credit-based insurance score and finds something you did not report. An unreported ticket or a lapse in coverage is the most common reason a final price comes in higher.