Compare quotes and get car insurance right

Policy bundles, right here

Our customers save an average of 30% by shopping for auto & home insurance together.

The right advice

Find out what you need and what you don’t. No dodgy sales pitches.

Right up your alley

Answers to all your questions, whether you’re a car insurance newbie or an auto expert.

3-5 minutes to complete

How do I get a car insurance quote?

You’ll need this info at the ready:


Personal information

Like your age, occupation, address, driver’s license number and accident history.

Current policy

If you’re currently insured, what’s your current insurance company and how long have you had your policy?

Make, model and VIN

Basic information about your vehicle, along with your vehicle identification number (VIN), how long you’ve had it and whether you lease or own.

Coverage amounts

The total amount of protection you want, including limits and deductible amounts for each type of coverage.

Read more in our Learn Center

Understanding Car Insurance Quotes

How to compare car insurance quotes

When you’re comparing car insurance quotes from different companies
make sure you’re looking at the same coverage amounts.

You should also compare:



The biggest factor to consider when shopping for a policy. Make sure you’re comparing the same things — and not looking at monthly cost for one quote and annual cost in another.

Term lengths

Car insurance policies typically last 6 or 12 months. Make sure one quote isn’t less expensive just because it’s for a shorter term.

Company reviews

A cheaper policy doesn’t mean much if the insurance company doesn’t deliver when you need them. Read unbiased reviews of companies’ claims process and customer service.

Applied discounts

Some discounts are automatically applied to your quote, like a safe driver discount or a bundling discount. Check with an expert to see if companies offer any other discounts you might qualify for.

Read more in our Learn Center

How to compare auto insurance quotes

How much does car insurance cost?

The main factors for caclulating your rates are:


Your age

Drivers under the age of 25 are seen as high-risk

Your address

If your ZIP code has high accident rates and crowded streets, that can raise your rates

Your driving record

Drivers with no accidents or violations for the past several years will see lower rates

Your credit score

A poor credit score can make it harder to find affordable car insurance

Your car

The year, make and model of car you drive will also affect your rates

Your coverage amounts

Higher coverage limits and lower deductibles mean more protection, but also higher rates

Read more in our Learn Center

How to choose a car insurance policy

How to save on car insurance

Car insurance discounts to look out for:


Safe driver discount

Every major car insurance company offers discounts to drivers who have been accident or claims-free for a certain amount of time.

Pay-in-full discount

Drivers who pay their annual premiums up-front instead of month-by-month can earn themselves a rate discount.

Multi-policy discount

Drivers who bundle their auto and home insurance with the same company can earn savings on both. Policygenius customers saved an average of 30% when they bundled.

Usage-based discounts

Most car insurance companies offer usage-based discount programs, which track your driving patterns and behavior and award personalized discounts for safe driving and low mileage.

Read more in our Learn Center

How to get car insurance discounts

Read more in our Learn Center

Car insurance quotes and credit scores

Frequently asked questions


How does Policygenius work?


We’re here to help you shop for auto and home insurance, compare options, learn more about your coverage and re-shop every so often to make sure you’re still getting the best deal. Our agents work with lots of different insurance companies, so we can help you pick the policy that’s best for you. No sales pitches.


Who has the cheapest car insurance?


The cost of your car insurance will depend on a lot of factors, so there’s no one company that will offer the cheapest rates to every driver. But you can make sure you’re getting the cheapest rates possible for you by comparing quotes from multiple carriers, maintaining a clean driving record and re-shopping for new coverage every 1-2 years.


How do I get a good car insurance quote?


Car insurance companies make it easy to get quotes online or over the phone. To make sure you’re getting enough quotes for the right amount of coverage, work with an independent broker who can help you understand your options and choose the right policy.


What are the 10 best insurance companies?


The best insurance companies are the ones that offer both affordable coverage and great customer service. Low rates are great, but you also need a company that will come through when you need to file a claim. Check out our reviews of car insurance companies, where we score them based on criteria like claims satisfaction and usability.