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Finding the right car insurance doesn’t have to be complicated. We make it fast and easy by connecting you with trusted providers like State Farm, The General, Progressive, Geico, Allstate, Liberty Mutual, and Bristol West—so you can compare rates and coverage in minutes.
💰 Save more: Drivers save an average of $762/year by switching.
⚡ Fast & easy: Get personalized quotes in under 1 minute—no long forms.
🛡️ Won’t affect credit: Checking car insurance quotes won’t affect your credit score.
🎯 100% free: Get matched with the right insurer for your needs, free of charge.
🏆 Top providers: We only work with top-rated insurers you can trust.
Since every insurance provider has its own unique offerings, we've gathered the top-rated companies in one place to give you multiple coverage and pricing options. This way, you can easily compare and choose the policy that fits your needs. These top companies may include: Allstate, Geico, Progressive, Farmers Insurance, Gainsco, Liberty Mutual, The General, Nationwide, AAA, Amica, Root, USAA, State Farm, Bristol West, Costco, Mercury, Travelers, American Family, Freeway, Elephant, Experian, Direct Auto, Erie, Farm Bureau, and Dairyland.
Car insurance is legally required in most states—except for New Hampshire and Virginia. Whether you need basic liability or comprehensive protection, here’s what the most common coverage options include:
🔹 Liability Insurance: Covers damages if you’re at fault in an accident.
🔹 Collision Insurance: Pays for vehicle repairs after a crash.
🔹 Comprehensive Insurance: Protects against theft, vandalism, and weather damage.
🔹 Uninsured/Underinsured Motorist Insurance: Covers you if the other driver lacks coverage.
🔹 Medical Payments Insurance (MedPay): Pays for medical expenses for you and your passengers.
🔹 Personal Injury Protection (PIP): A broader medical coverage that pays out regardless of fault.
💡 Not sure what you need? Answer the above quiz to find the best coverage tailored to your needs.
Every driver has unique car insurance coverage needs, so it can be tough to find the right car insurance for you. Before you buy an auto insurance policy, figure out what level of coverage makes sense for your situation.
Liability Coverage: State minimums may not be enough—many drivers increase limits for better financial protection.
Vehicle Protection: Want full coverage? Add collision and comprehensive for better peace of mind.
Optional Add-ons: Rental car reimbursement, roadside assistance, and gap insurance can enhance your policy.
💡 Looking for the best deal? Scroll up and answer our short quiz to get customized recommendations in less than 1 minute.
» Click to read more about the 7 Ways to Lower Your Car Insurance Rate.
Your insurance premium isn’t just a random number—insurers calculate rates based on:
Location: Urban drivers pay more due to higher accident rates.
Age: Younger drivers typically face higher premiums.
Gender: Men under 25 tend to pay more than women in the same age group.
Credit Score: Higher credit scores often lead to lower rates.
Driving Record: A clean history means better pricing.
Claims History: Fewer claims can lead to lower premiums.
Vehicle Type: Your car’s make, model, and year affect your premium.
Coverage Limits: Higher limits = more protection but also a higher cost.
Deductibles: A higher deductible lowers your monthly premium but increases out-of-pocket costs after an accident.
If you ever need to file a claim, follow these simple steps:
Call the police – Report the accident or theft immediately.
Document the damage – Take photos, notes, and gather witness statements.
Notify your insurer – Submit all necessary details for claim processing.
Wait for approval – An adjuster will assess your case.
Receive your settlement – Get reimbursed for damages, minus your deductible.
💡 Want a hassle-free claims experience?
Choose a provider with a smooth claims process—compare now!
What types of car insurance coverage are available?
Common types of car insurance coverage include:
Liability Coverage: Pays for injuries and property damage you cause to others in an accident.
Collision Coverage: Covers damage to your vehicle resulting from a collision, regardless of fault.
Comprehensive Coverage: Protects against non-collision-related damages like theft, vandalism, or natural disasters.
Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
Uninsured/Underinsured Motorist Coverage: Provides protection if you're involved in an accident with a driver who has insufficient or no insurance.
How is my car insurance premium determined?
Insurance premiums are calculated based on several factors, including:
Driving Record: A history of accidents or traffic violations can increase premiums.
Vehicle Type: Luxury or high-performance cars often cost more to insure.
Location: Areas with higher crime rates or dense traffic can lead to higher rates.
Age and Gender: Younger drivers and males may face higher premiums due to statistical risk factors.
Credit Score: In some regions, a higher credit score can result in lower insurance costs.
What is the difference between comprehensive and collision coverage?
Collision Coverage: Pays for damages resulting from collisions with other vehicles or objects, regardless of fault.
Comprehensive Coverage: Covers damages from non-collision incidents like theft, vandalism, or hitting an animal.
Do I need uninsured/underinsured motorist coverage?
Yes, this coverage is essential as it protects you if you're involved in an accident with a driver who lacks adequate insurance. It ensures your medical expenses and vehicle repairs are covered when the at-fault party cannot pay.
How can I lower my car insurance premium?
Try these strategies to reduce your premium:
Maintain a clean driving record
Bundle policies (home & auto insurance)
Increase deductibles for lower monthly payments
Utilize available discounts (safe driver, good student, multi-car, etc.)
Shop around and compare quotes regularly
What should I do after a car accident?
Ensure Safety: Move to a safe location and check for injuries.
Call Authorities: Report the accident to the police.
Exchange Information: Collect names, contact details, and insurance information.
Document the Scene: Take photos of the accident, vehicle damages, and any relevant details.
Notify Your Insurer: Report the accident as soon as possible.
Does my credit score affect my car insurance rates?
Yes, in many regions, insurers use credit scores as a factor in determining premiums. A higher credit score often results in lower rates because it indicates financial responsibility.
Can I drive someone else's car with my insurance?
Typically, insurance follows the vehicle, not the driver. This means the car owner's insurance usually covers any driver with permission to use the vehicle. However, you should always check both your policy and the vehicle owner’s policy to confirm coverage.
What is gap insurance, and do I need it?
Gap insurance covers the difference between your car's actual cash value and the amount you owe on your auto loan or lease if your car is totaled or stolen. It's beneficial if you owe more than your vehicle's current value.
How does a speeding ticket impact my insurance premium?
A speeding ticket can lead to an increase in your insurance premium. The extent of the increase depends on your insurer's policies, the severity of the violation, and your overall driving record.
How does BestMoney’s car insurance quiz work?
Our quiz is designed to quickly match you with the best car insurance options. Simply answer a few questions about your driving habits, location, and insurance needs, and we’ll generate a list of the best offers from top insurers.
How long does BestMoney’s car insurance quiz take?
It takes less than 2 minutes to complete the quiz and receive personalized insurance recommendations.
Will taking the quiz affect my credit score?
No, taking the quiz will not affect your credit score. It’s simply a comparison tool that helps you explore your best options without any credit check.
Is BestMoney reliable?
Yes, BestMoney is a trusted and reputable platform that helps users compare financial products, including car insurance. It partners with top-rated insurers to provide transparent and competitive offers.
Am I obligated to buy a policy after using the quiz?
No, you are not obligated to purchase a policy after using the quiz. You can compare quotes and choose the best option for you at your own pace.
How do I know which car insurance provider is best for me?
The best provider for you depends on your specific needs, driving history, and budget. Our quiz will help you find options that fit your situation, and you can compare coverage, pricing, and customer reviews before making a decision.
How often should I compare car insurance quotes?
It’s recommended to compare quotes at least once a year or whenever your circumstances change (moving, buying a new car, adding a driver, etc.). Rates and discounts change frequently, so shopping around can help you find the best deal.
Can I still get car insurance if I have a bad driving record?
Yes! Some providers specialize in coverage for high-risk drivers. Companies like The General, Bristol West, and Progressive offer options for drivers with past accidents, DUIs, or low credit scores.
What if I need SR-22 insurance?
If you need an SR-22, certain insurers, like The General and Progressive, can help. The quiz will match you with providers that offer SR-22 coverage in your state.
Can I switch car insurance anytime?
Yes, you can switch car insurance at any time. However, check your current policy for cancellation fees or refund policies. Many insurers offer refunds for unused premiums if you switch mid-policy.
Whether you’re looking for budget-friendly insurance or comprehensive protection, our comparison tool helps you find the best coverage at the lowest rates.
🚗💨 Simply scroll up, answer a few quick questions & start saving today!