Get the insurance
(and feel good about it)
The simplest way to get the right policy at the right price
No jargon. Unbiased. Just an honest approach that puts you first.
Unbiased advice on all things insurance
Understanding how this all works has never been easier
Compare insurance quotes and save
Find affordable insurance by comparing side-by-side
Apply and buy through PolicyGenius
Get the policy that's right for you, hassle-free
It costs you nothing to use our service.
So, what's in it for us?
Like traditional brokers, we get commissions for policies we sell. The commissions are part of the price, so you don't pay more to use our service. Our reputation is important so we'll always find the policy that's best for you.
Best insurance companies
We work with hundreds of America's top insurance companies
More than just our moms have taken notice
Top FAQs about PolicyGenius
How is PolicyGenius different from other insurance sites?
We've set a high bar to make PolicyGenius the only insurance site you'll need. That means we:
- Offer all the top insurance companies so you don't have to shop elsewhere
- Explain what you need to know in plain English so you don't have to research elsewhere
The insurance industry also hasn't treated consumers well. This is how we're different:
- We don't require your contact info to get quotes. Unlike other sites, you can shop freely and anonymously here
- Our team of licensed experts focus on great advice, not pushy sales. They're salaried, not commissioned, so they're on your side
Don't just take our word for it. See what others are saying about their experience working with PolicyGenius. https://www.trustpilot.com/review/policygenius.com
How does PolicyGenius make money?
As a company, we get paid a commission by insurance companies for policies we sell. But don't worry: these commissions are already baked into the price of all insurance policies. This means you never pay extra to use our service.
We understand that commissions introduce a potential conflict of interest. But we avoid that conflict by:
- Being transparent: showing you all quotes from all companies, so that you can decide what to buy (or not to buy)
- Focusing on advice: every day we publish free resources to help you make smart decisions about insurance. Also, our licensed experts are salaried, not commissioned, so that they can focus on advice and customer service, not sales.
- Being values-driven: one of our company values is to live by the Golden Rule with our customers and with each other. For example, we could make a lot more money by selling whole life insurance over term life insurance, but we don't believe that's the right thing for most consumers. So we don't do it.
And if you want to know what commission we'd earn on any insurance product you see on this site, just ask us. We’ll be glad to tell you.
Is PolicyGenius licensed?
Is PolicyGenius affiliated with any insurance companies?
No, we're an independent insurance broker. What that means is that we represent multiple insurance companies and have no bias to recommend one over another. We only work with insurance companies that have at least an A- financial rating - this means you can be confident that you're buying from a very reputable insurance company. For us it's important you find the right insurance policy for your needs. When insurance companies compete for your business, you win.
Is it cheaper to buy insurance through PolicyGenius?
Here's the deal: you can't get a cheaper price for a given policy from Insurance Company X from us, from another broker or directly from Insurance Company X. That's because each insurance company files their prices with the state regulators, and everyone has to use those prices. It's illegal for us or anyone else to discount that price.
But here's where you can save money: by comparing insurance policies for Insurance Company X, Insurance Company Y and so on. Each company competes to offer the best product at the best price - and you as a consumer win by looking at the whole market (like you would do on Amazon). At PolicyGenius, we strive to offer all the top insurance companies, to make sure you get the best policy for you, and save money.
The easiest way to get insuranceStart Shopping
Your one-stop shop for insurance
Save time and money by comparing top insurance companies, all in one place.
We'll let you know what insurance you need (and what you don't)
- Critical Illness
- Long-term Care
Get the coverage you need to protect your loved ones, even when you're not around.
What you need to know about life insurance
Read the full life insurance guide handwritten by life insurance expertsVisit Our Guide
Find affordable health insurance that gets you covered from head to toe
What you need to know about health insurance
Read the full health insurance guide handwritten by health insurance expertsVisit Our Guide
Long-term disability insurance pays you a paycheck when you're out of work
What you need to know about disability insurance
Read the full disability insurance guide handwritten by disability insurance expertsVisit Our Guide
Pets get sick, too. Compare pet health insurance insurance.
What you need to know about pet insurance
Read the full pet insurance guide handwritten by pet insurance expertsVisit Our Guide
And many more insurance products
Get help with anything in your life that might need protecting.
Recently written by our experts
Whole vs term: The wrong type of life insurance could cost you
TurboTax changed the way we approached our finances. You didn’t need a tax preparer – you have a program that took you step-by-step through the filing process. TurboTax is still around, and it’s joined by even more fintech – financial technology – companies...
Personal finance experts reveal insurance shopping secrets
Does buying health insurance feel like you need to learn another language or join a secret society or decipher a black box where you don’t know the questions you should be asking, nevermind the answers you should be looking for...
The health insurance problem nobody’s talking about
Even if you’ve actively avoided the news over the past few months, you’ve probably heard something about the state of healthcare and health insurance in America. You may have heard that premiums are rising and many carriers are exiting the Affordable Care Act (ACA) marketplace...
Here’s exactly what you need to do to buy life insurance
There are 18.7 million people out there who understand that they need life insurance, but for whatever reason, they haven’t bought it yet. They’re stuck in life insurance limbo...
- Beware of spare change investments
- What happens to your debt when you die?
- 3 tips for tackling holiday gift budgets with relatives
- 7 most expensive cities to raise kids
- 5 bad money habits you may be teaching your kids
- 4 steps to becoming a better parenting partner