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We’ve saved shoppers an average of$435per year on auto insurance.
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Every driver needs car insurance to protect them on the road, but not all coverage is created equal. Policygenius can help you find auto insurance that meets your needs, at a price that works for you.
Give us the basics, like your age and the kind of car you drive, and we’ll show you options from top car insurance companies in a few easy steps. Just choose the policy that works best for you and get covered.
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Car insurance that’s got your back
Auto insurance is made up of different types of protection, from coverage for damage you cause in an accident to coverage that pays to replace your totaled car with a brand new one.
Policygenius can help you find the car insurance you need, whatever that means for you. Some drivers may want to prioritize robust protection, while others value affordability over everything else.
Expert tips on choosing the right coverage
“Drivers need much more than the minimum amount of car insurance required in their state. Getting more liability coverage now means that if you’re ever in an accident, you don’t have to worry about being on the hook for the other driver’s expenses.
No matter what you’re looking for, we’ll help you get what you need to hit the road with confidence.
→ Skip ahead to read about finding the right coverage
We’ve saved customers an average of $435 a year on auto insurance
That’s the beauty of shopping around. We make it easy to see your car insurance options, so you can choose a company that offers you the coverage you need at a price that makes you happy.
When you shop for car insurance through Policygenius, we’ll show you choices from top companies. All you have to do is pick the one that offers you the right protection at the best rates.
Compare rates and shop affordable car insurance today
We don’t sell your information to third parties.
Car insurance shopping made easy
When you shop for car insurance with Policygenius, we’ll use the basic info you share to show you the best car insurance companies for your needs. All we need from you is some answers about:
You
Simple details like your age, ZIP code and driving history help us find the best options for you.
Your car
Drive a newer car with updated safety features? That could save you money.
Your coverage
Choose the types of coverage you want (remember, higher limits means more protection).
Not sure exactly how much coverage you need? We’ll help you figure it out based on what matters most to you, whether it’s getting the maximum amount of protection or finding your most affordable rates.
And if you have a current car insurance policy, we can help you get the exact same amount of coverage you have now. Once you’ve filled out some info, we’ll show you options from top car insurance companies that match what you’re looking for.
Why do you need car insurance?
Auto insurance is essential financial protection for every car owner. It’s mandatory in almost every state, but most drivers need more than just what’s required by law in order to be fully protected.
Car insurance steps in to cover the costs if you cause an accident and have to pay for the other driver’s repair bills or medical expenses. Your car insurance can also pay to repair or replace your own car if it’s damaged or stolen, and can even cover the costs of a rental while your vehicle is in the shop.
What does car insurance cover?
A car insurance policy is made up of different types of coverage that provide different forms of protection.
Some of these may be required in your state, while others are always optional, but when people talk about a full-coverage car insurance policy they’re talking about a policy that includes:
Bodily injury liability
Covers medical bills for the other driver or their passengers when you cause an accident
Property damage liability
Pays for the other driver’s car repairs when you’re responsible for an accident
Personal Injury Protection
Uninsured & underinsured motorist coverage
Covers the costs when you’re in an accident caused by a driver without insurance (or without enough insurance)
Collision coverage
Pays to repair or replace your own car after an accident, even if you were the one at fault
Comprehensive coverage
Pays to repair or replace your car after any damage not caused by a collision
How much does car insurance cost?
The average cost of car insurance is $1,652 per year, but rates depend, in large part, on where you live. For example in Florida — the most expensive state for car insurance — a full coverage policy is $1,905 more expensive per year than it is in North Carolina.
Auto insurance is usually more expensive in states with higher numbers of uninsured drivers and more cars on the road. The amount of coverage required in your state also affects how much you pay.
Car insurance rates by state ------
Average car insurance rates also vary from city to city, even within the same state. Drivers pay more in densely populated areas, where more cars on the roads means more accidents. Rates of car theft or vandalism in your city will also affect how much you pay for car insurance.
Car insurance rates by city------
Location isn’t the only factor that determines how much you pay for car insurance. Your rates are also based on your age, driving record, credit score, the type of car you drive, and any past claims or gaps in your insurance history.
Bundling auto and home insurance
One of the best ways to save money on insurance is to bundle your auto and home policies together, which just means getting both policies from the same company.
Customers who reshopped their home and auto insurance with Policygenius saved an average of $1,250 a year — and there are other perks to bundling home and auto together with one company besides saving money.
Simpler bill-paying: When you get your home and auto insurance from the same company, you can usually combine your insurance payments into one monthly bill.
Easier claim filing: If your home and car are damaged in the same event (like a hurricane), filing a claim on both at once is simple, and you may only have to pay one deductible.
Buying life insurance is easy with Policygenius
All major car insurance companies offer discounts that can help drivers lower their rates. Some discounts are based on things about you, like being a safe driver or being in the military, while others are for having certain features in your car, like a GPS tracker.
Bundling your auto and home policies together usually earns you a big discount, but here are other ways drivers can save on car insurance:
Drive safely. Any recent accidents or violations, like a speeding ticket or a DUI, will mean higher car insurance rates, while drivers with a clean driving record can earn significant savings.
Take a defensive driving class. Most companies offer discounts for drivers who have recently taken a defensive or safe driving course from an accredited instructor, like your state’s DMV.
Be a member of an affiliated organization. Insurance companies partner with different types of organizations to offer cheaper coverage to members. You may be able to get an affiliation discount through your workplace or university, or if you’re involved in professional or academic organizations, like a fraternity or sorority.
Sign up for usage-based discounts. Most big car insurance companies offer usage-based, or “telematics,” discounts. If you sign up, your insurance company will monitor your driving through an app or a plug-in device, and then lower your rates if you demonstrate safe driving habits.
Insure more than one car on the same policy. If you’ve got multiple cars, insuring them all on the same policy can save you money.
Stay with the same insurer. If you’re already getting the lowest rates available and you’re happy with your car insurance, staying with the same insurance company can mean a loyalty bonus every time you renew your policy.
Drive a safe car. Driving a car with updated safety tech could earn you lower rates. You can usually earn a discount if your car has anti-lock brakes, brake assist, responsive headlights, lane departure guidance, or an anti-theft device.
Switch to automatic payments. Most car insurance companies offer a small discount for opting-in to automatic or electronic bill-paying.
Pay in full. You’ll save money if you pay for your car insurance policy all at once at the start of the policy term instead of in monthly installments.
Do well in school. Teen drivers or adults who are full time students can usually save on their car insurance costs if they maintain above a certain GPA or earn high scores on standardized tests.
Own your home. Homeowners usually save on car insurance, even if you don’t get your home and auto insurance from the same company.
How to compare car insurance quotes
The best way to find the cheapest auto coverage is by comparing quotes from more than one car insurance company before you choose a policy.
Policygenius can help you see options from top companies and compare car insurance quotes in just a few simple steps:
Know the basics.Be prepared with your driver’s license and your car’s VIN. If you have an existing car insurance policy, have it handy so you can enter your current coverage levels.
Apply online.Enter your info and answer a few questions about your age, address, vehicle, and driving history. We’ll show you companies that match your coverage needs.
Pick a policy.Choose the option that’s best for you, whether it’s the company that offers you the lowest rates or has the best customer service ratings. Once you pick a policy, set your start date and make your first payment.
Cancel your old policy (if you have one).When your new policy is set up, you can cancel your current one. Make sure to set your old policy to end on the same day your new one starts so you don’t have a lapse in coverage.
Choosing the best auto insurance company
The best auto insurance companies combine affordable coverage with highly-rated customer service and claims handling. You want to find a car insurance company that will actually be there for you when you need to use your coverage.
Company
Policygenius rating
Average annual cost
GEICO
4.4 out of 5 stars
$1,187
Travelers
4.3 out of 5 stars
$1,580
Amica
4.2 out of 5 stars
$1,687
Nationwide
4.1 out of 5 stars
$1,463
Progressive
4.1 out of 5 stars
$1,785
Allstate
4 out of 5 stars
$1,187
Safeco
4 out of 5 stars
$1,405
Erie
3.9 out of 5 stars
$1,139
Farmers
3.9 out of 5 stars
$1,934
State Farm
3.8 out of 5 stars
$1,383
Average savings of $435 a year on auto insurance: Savings are determined by calculating the average difference between the lowest and second lowest auto insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.
Average savings of $1,250 a year on home and auto insurance: Savings calculated by taking the average price savings of in-force Policygenius customers who shared a copy of their prior bundled home and auto coverage with Policygenius and used Policygenius to switch to a comparable policy with a different insurer between 06/01/2020 and 04/01/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states. Savings may vary by policy amount and location.
Buying life insurance is easy with Policygenius
Experts when you need them. Technology for everything else.
Get free quotes tailored to your needs
We’re a marketplace — that means we partner with top life insurance companies to give you multiple quotes, so you can find the policy that’s right for you.
Get free advice from licensed agents
Our expert agents work for you, not the insurance companies. You can trust them to offer unbiased advice and help you understand all your options. (Learn more about how Policygenius makes money.)
Get support every step of the way
We’re here to advocate for you, and that doesn’t end when you buy your policy. Need to change your beneficiaries, or file a claim? We’ll help with that, too.
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