Auto Insurance
Your coverage, simplified. auto.
Compare car insurance rates from the carriers actually competing for your business — independent rankings, no auto-routed leads.
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What are you insuring?
Where to start
Three paths through auto
See the cheapest carriers
The carriers most aggressively pricing for your profile change with age, location, and record. Here's how to find yours.
Read independent reviews
Honest reviews of 7 major carriers — what they actually charge, where they win, where they fall short. No paid placements.
Browse by vehicle brand
Average insurance cost varies dramatically by make and model. See breakdowns by brand, from Acura to Toyota.
How we think about auto insurance
The cheapest carrier for you isn't the cheapest carrier for everyone.
Auto insurance pricing isn't a single market — it's hundreds of carrier-specific algorithms, each weighting your age, ZIP, driving record, credit, and vehicle differently. Quote spreads of 40-60% across major carriers for identical coverage are completely normal.
That means the most popular carrier isn't necessarily your cheapest carrier. The carrier with the best commercials isn't necessarily your best value. The cheapest carrier for a 28-year-old in Dallas with a clean record is rarely the cheapest carrier for a 55-year-old in Phoenix with one ticket.
The work we do here: surface the carriers competing on price, review the ones worth knowing, explain the coverage you actually need, and find the discounts most people leave on the table.
Explore auto guides
Everything you need to choose well
How much do I need?
State minimums are dangerously low. Here's how to size liability, collision, comprehensive, and UM/UIM to your actual situation.
Types of coverage
Liability, collision, comprehensive, UM/UIM, PIP, and the riders. What each coverage actually pays for — and which you can skip.
Common discounts
The discounts that move premiums by 10-30% — and the ones that sound impressive but don't matter much.
Cheapest carriers
Which carriers consistently price aggressively for different profiles — adult drivers, young drivers, seniors, drivers with tickets.
By state
Rates and rules vary by state. California, Texas, Florida, and 7 other major markets broken down.
Carrier reviews
Independent reviews of 7 major carriers — GEICO, State Farm, Progressive, Allstate, USAA, Nationwide, Liberty Mutual.
Carriers we've reviewed
56 scored carriers, 36 more in the directory
Editorial reviews of the 56 auto carriers we've scored — plus a directory of 36 more we're still in the field on.
State Farm
State Farm is the largest auto insurer in the US with the strongest local agent network and top-tier customer satisfaction. Below, QuoteYeti…
USAA
USAA is the top-rated auto insurance for qualifying military members and their families, with industry-leading customer satisfaction and the…
GEICO
GEICO is the fourth-best car insurance company nationally with affordable rates and strong digital tools. Below, QuoteYeti's editorial team …
Progressive
Progressive is the fifth-best car insurance overall with strong telematics savings and pioneering comparison-rate quoting. Below, QuoteYeti'…
Allstate
Allstate is a comprehensive auto coverage with strong agent support, Drivewise rewards, and accident-forgiveness options. Below, QuoteYeti's…
Liberty Mutual
Liberty Mutual is a major national carrier with a 'pay only for what you need' marketing pitch and broad coverage customization. Below, Quot…
Auto insurance by state
State-specific rules and rates
Auto insurance is regulated state by state. Rates, requirements, and available carriers vary dramatically. We've broken down the 10 largest markets.
Common misconceptions
What most people get wrong
Myth Red cars cost more to insure.
Reality Color isn't an underwriting factor at any major carrier. Make, model, year, and your driving record matter — paint doesn't.
Myth You only need state minimum liability.
Reality State minimums (often 25/50/25) are the legal floor, not a smart purchase. A serious accident can produce a $300K+ judgment, leaving you on the hook personally for everything above your limits.
Myth Filing any claim raises your rates forever.
Reality A single not-at-fault claim usually doesn't raise rates at most carriers. Surcharges typically apply for 3-5 years after at-fault claims, then fall off.
Myth Loyalty is rewarded with better pricing.
Reality The opposite is often true. Many carriers price-walk loyal customers — quietly raising base rates each year. Re-shopping every 6-12 months keeps you honest.
From The Dispatch
Reading list, curated
When you should add an umbrella policy
Umbrella insurance is the cheapest insurance most people don't have. For about the cost of dinner once a month, it adds $1M+ of liability protection on top of your auto and home policies. Here's why most middle-class households should have it.
Auto InsuranceDo you actually need gap insurance?
Dealers push gap insurance hard at signing. Lenders bury it in the loan. Your insurer offers it cheap. Here's how to decide if you need it — and where to actually buy it.
ShoppingWhy you should re-shop your auto insurance every six months
Most people pick an insurance carrier once and renew on autopilot for a decade. That habit costs the average household thousands. Here's why the math works against you — and how a 30-minute shop can put it back in your pocket.
Frequently asked
Auto insurance, demystified
How much car insurance do I need?
Most states require minimum liability coverage by law, but state minimums are typically inadequate. For most drivers, 100/300/100 liability is the modern baseline, plus collision and comprehensive if your vehicle is worth more than ~$3,000 or is financed.
What is full coverage?
Full coverage is an informal term for a policy that combines liability, collision, and comprehensive. Liability pays for damage to others; collision pays for your vehicle in a crash; comprehensive covers non-crash events like theft and weather.
Can I switch carriers mid-policy?
Yes. Check for cancellation fees on your existing policy and overlap your new policy's start date with the old policy's end date so you never have a coverage gap.
Does credit score affect my rate?
In most states, yes — carriers use credit-based insurance scores to predict claim likelihood. California, Hawaii, and Massachusetts prohibit it; Michigan, Maryland, and Washington restrict it.
Should I get telematics?
If you're a careful driver who doesn't drive late at night or in heavy urban traffic, yes — programs like Progressive Snapshot and State Farm Drive Safe & Save typically save safe drivers 10-30%. Aggressive drivers can see premium increases instead.
When should I drop collision and comprehensive?
The 10% rule: drop these coverages when your annual premium for both exceeds 10% of your vehicle's value. On a 12-year-old car worth $4,000, paying $500/year for collision and comprehensive doesn't make financial sense.