UPDATED FOR 2026 | 2027: Get estimated rates from the leading insurers in your state — 100% free.

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INSTANT CAR INSURANCE - Get your car insurance estimate in 30 seconds

Use Our Car Insurance Comparison Tool

Answer a few questions about yourself and your vehicle. No name, no email, no phone number, and no impact on your credit score. We won’t call you to sell you insurance.

Step 1 of 7 Location & Driver
Step 1: Location and driver

Location & Driver

Where you live and drive determines your state's minimum coverage and average rates.

Used to identify your state's average rates
Don't know your ZIP? Select your state
Step 2: Your vehicle

Your Vehicle

Make, model year and body style affect repair cost and theft risk.

Brand affects parts cost, repair complexity & theft risk
Step 3: Driving habits

Driving Habits

How and how much you drive is one of the biggest factors in your premium.

Lower mileage usually means a lower premium
Moving violations only — at-fault accidents are asked in the next step
Step 4: About you

About You

A few household details insurers use to price risk.

Separate from Driving Record — this is at-fault crash/claims history, not tickets
Not used as a rating factor in CA, HI, MA, MI, NC or PA (state law)
Step 5: Coverage

Coverage

Set the coverage level and deductible you want estimated.

Step 6: Coverage history and discounts (optional)

History & Discounts

Optional — these can lower your estimate but won't stop your estimate.

USAA is only available to military members, veterans & their families
Step 7: Ownership and discounts (optional)

Ownership & Discounts

Optional — a few more details that can unlock extra savings.

YOUR INFORMATION IS SECURE AND NEVER SHARED
LAST TOOL UPDATE: OCTOBER 28, 2026

WHAT CAR INSURANCE DOES YOUR STATE REQUIRE?

Minimum coverage, penalties for driving uninsured and the average cost in your state. Every figure is checked against official sources and dated.

General information, not legal advice. Laws change; confirm with your state's DMV or Department of Insurance.

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