Car Insurance

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Cheap Car Insurace Rates

Switch to an insurer that rewards you

As part of your short-term insurance and Multiply benefit, you can get up to 30% cash back yearly, even if you claim when you insure your car, home and other valuables with us.

  • We reward you with cashbacks for being safe
  • You get free 24-hour road and car assistance
  • Short-term insurance is tailored to your needs

Auto Insurance Solutions

Flexible and affordable car insurance system

How we reward you

Get more rewards while being safe. The cumulative result of your safety assessment, driving experience, number of cars, family car insurance, you are a homeowner


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Our Top Providers

Was great and still is great. They had great affordable policies and great customer service.


Amazing company! Great rates and always has fast helpful customer service. I don't make much money, but i had a policy that fit my budget. I recommend.


I have been with them for years. They have always given prompt and fair claims service. I had a claim last winter and they took care of me including the rental vehicle


What do I need to start a car insurance quote?

Getting a quote is easy and fast.
  • Call the number +18557990667 or use the button 
  • Specify your zip code
  • Tell us a little about your car
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How can I compare quotes from different car insurance companies?

In short, it’s best to start by understanding the coverage you need and then compare policies. Make sure you’re comparing apples to apples when looking at multiple options. Also, make sure that the deductibles are about the same.

What affects my car insurance rate?

Things that insurance companies consider that typically affect your auto insurance rate are:
  1. Where you live
  2. Your driving record
  3. How often you drive
  4. Cost to repair your vehicle
  5. If your car has safety features
Every driver on the road is unique. Your car, your driving history, and of course your budget are all factors to consider when shopping for car insurance. We customize your car insurance so you only pay for what you need.

Facts & Questions

What does car insurance cover?
  • Injury to you or someone else
  • Damage to someone else’s car
  • Damaged property

We customize your insurance so you only pay for what you need.

Does car insurance cover theft?

We've got you.

You can customize your policy with Comprehensive Coverage for an extra layer of protection from things besides a collision, including theft. If you lease or finance your car, this coverage may be required.

What is collision insurance?

Coverage for damage to your car caused by hitting another car or object (like a tree or fence). This is an optional coverage in most states, meaning you can choose to add it to your policy. 

Do I need collision insurance? 

If you don't have it, you could be on the hook for paying for repairs completely out-of-pocket. If your car is new or has good value (or you just don't want a hefty repair bill), collision coverage is probably right for you. Keep in mind, you might be required to have collision insurance if you finance or lease your car.

Save money with these auto insurance discounts

The number of discounts we offer is just one reason NerdWallet has named us one of the best car insurance companies. Start your auto quote to see how much you can save.

Online Purchase Discount

You could save instantly when you purchase your auto policy online.

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and Save

You could save ​$$$ on customized auto and home insurance.

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Correct driving

Get rewarded for your good driving behavior by saving up to 30% on your policy.

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Paperless Policy Discount

It's a win-win. Good for your wallet and the environment.

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Pay-in-Full Discount

You get a discount for paying for your policy in one or two payments.

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Alternative Energy Discount

Friends of the environment are friends of ours. You’ll get a discount if your vehicle is a hybrid or electric.

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Those are just a few of the ways we​ helps you save on your car insurance costs. See if you qualify for any other savings opportunities below.

Common questions about car insurance

How much is car insurance?

Because car insurance rates depend on so many factors (age, where you live, driving history), they will always vary from person to person.It’s best to understand what cost looks like for you by getting a quote you can customize.All car insurance companies will take your personal details into account (all those things that affect your rate) when you get car insurance quotes, but most won’t help you understand what's right for you - which can be just as important when it comes to price. That’s the difference . We help you only pay for what you need and nothing you don’t.If you research average cost, keep in mind you’re seeing an average for the whole country, which includes the most expensive states, the least expensive states, and all kinds of drivers with different driving history. With so much variation, the help these numbers can provide might be limited, but they can give you a starting point.Also, keep in mind the cheapest car insurance isn’t always the best, so read the coverage details carefully. A super low price now could mean a sky high price later if you’re in an accident.

What affects my car insurance rates?

It can seem like there’s no rhyme or reason as to why your insurance rate is what it is, but there are several factors that help determine your coverage and price.

The basics:

Your age

Statistics tell us that certain age groups are less likely to have good driving behavior, and are therefore a higher risk to insure.

Where you live

From environmental factors to the number of cars on the road, where you live indicates a lot about what kind of risks you’re more likely to encounter. Even varying regional repair and medical costs determine this aspect of your rate.

The kind of car you drive

The age, condition, and safety features your car has all contribute to what determines your rate.

Your driving history

As you might guess, a good driving record can mean a better rate on your policy, whereas a history of accidents or other violations can mean a higher risk to insure.

A few universal things that contribute to rate increases:

A notable spike in distracted driving incidents

Higher medical & auto repair costs

More drivers on the road

How can i compare quotes from different car insurance companies?

Look at similar policies

When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types, browse our car insurance coverages.

Know what policy features are included

All coverages and features in our policies. This helps you understand exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages. When you compare car insurance, make sure you're getting the coverage you need and the features you want.

Comparing similar coverage, limits, and deductible amounts

Put simply: More coverage + lower deductible = higher premium

Less coverage + higher deductible = lower premium

Also, be sure you're comparing the same coverage period, usually a 6-month or 12-month term.

What do all these insurance terms mean? 

We hate jargon as much as you do, which is why we’ve broken down the most common terms you’ll want to understand when comparing, purchasing, and using car insurance.


The initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.


The total amount that you pay for an insurance policy.


What you’re responsible for in the event of an accident.

Limit of liability

The maximum amount an insurance company can pay for coverage according to your policy

Additional living expenses

Any necessary expenses you incur while you're unable to be in your home due to a covered loss.

How much is car insurance for teens?

2019 insurance filing data suggests that the cost of teen car insurance can range significantly across providers and drivers. One thing is more certain though, because new drivers are inherently riskier, you can anticipate that your price might go up. The good news? There are a number of discounts that can help you save on teen car insurance, such as:

Good Student Discount

Student-Away-at-School Discount

Advanced Safety Features Discount

See all auto discounts

It’s because of the higher risk associated with teen drivers that it’s especially important to have quality coverage that protects your teen. If you’re seeing prices that look too good to be true, they probably are. A cheap quote may look tempting at first but will likely look less appealing once you dig into the coverage details and deductible.