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We match you with licensed insurance professionals who can walk you through coverage options at no cost.
Understanding what each type of coverage does is the first step to building the right policy for your situation.
Required in most states
Covers bodily injury and property damage you cause to others in an accident. It does not cover damage to your own vehicle. Most states set minimum liability limits — many drivers choose higher limits for better financial protection.
Optional
Pays for repairs or replacement of your vehicle after a collision with another car or object, regardless of who is at fault. Required by most lenders if you have a car loan or lease.
Optional
Protects your vehicle against non-collision damage: theft, vandalism, hail, flooding, fire, and hitting an animal. Often paired with collision coverage for full vehicle protection.
Required in many states
Covers your medical bills and vehicle repairs when the at-fault driver has no insurance or insufficient coverage. Essential protection given that roughly 1 in 8 U.S. drivers is uninsured.
Required in no-fault states
Covers medical expenses, lost wages, and rehabilitation costs for you and your passengers — regardless of who caused the accident. Required in no-fault insurance states like Florida, New York, and Michigan.
Optional
Similar to PIP, covers medical expenses for you and passengers after an accident regardless of fault. Typically has lower limits than PIP but is available in more states and can supplement your health insurance.
We connect you with licensed agents representing many of the nation's leading insurance carriers. Provider availability varies by state and individual circumstances.
* Not all providers are available in every state. Speak with a licensed agent to confirm availability in your area.
Insurance companies use a range of personal and vehicle factors to calculate your premium. Understanding these can help you make informed decisions.
Urban areas with higher traffic density and theft rates typically carry higher premiums than rural areas. Your state's minimum coverage requirements also directly impact your base rate.
A clean driving history is one of the biggest factors in your favor. Accidents, speeding tickets, and DUIs can significantly raise your premium for three to five years.
Younger drivers (especially under 25) statistically have higher accident rates and pay more. Rates typically improve steadily as you build a clean driving history.
The year, make, model, and safety rating of your car affect your premium. Expensive or high-performance vehicles cost more to insure; vehicles with strong safety records often cost less.
Higher coverage limits and lower deductibles increase your premium. Choosing a higher deductible lowers your monthly payment but means more out-of-pocket cost if you file a claim.
In most states, insurers use your credit history as one factor in pricing. Maintaining a strong credit score can contribute to lower premiums. Note: California, Hawaii, and Massachusetts prohibit the use of credit in insurance pricing.
The more you drive, the more exposure you have to accidents. Drivers with low annual mileage may qualify for low-mileage discounts with certain carriers.
A history of filed claims — even ones where you weren't at fault — can affect your rate. Multiple claims in a short period are viewed as higher risk by most insurers.
Bundling auto insurance with a home or renters policy frequently results in a multi-policy discount. Other common discounts include safe driver, good student, anti-theft device, and paperless billing.
If you're ever in an accident or experience a covered loss, following these steps will help the claims process go smoothly.
Move to a safe location if possible. Check yourself and others for injuries. Call 911 if anyone is injured or if there is significant vehicle or property damage.
Take photos of all vehicles involved, damage, license plates, the surrounding area, and any visible injuries. Gather names, contact details, and insurance information from all parties.
Even for minor accidents, a police report creates an official record. Request the report number — your insurer may ask for it when processing your claim.
Contact your insurer as soon as possible after the incident. Most carriers have 24/7 claims lines and mobile apps. Provide all documentation you collected at the scene.
Your insurer will assign a claims adjuster who will assess the damage, review your coverage, and determine your settlement. Be cooperative and ask questions if anything is unclear.
Once approved, you'll receive reimbursement minus your deductible. For vehicle repairs, your insurer may have preferred repair shops, or you can choose your own (confirm with your policy).
Answers to the most common questions about car insurance comparison, coverage, and costs.
Comparison tools connect you with multiple insurance providers so you can evaluate different options in one place. You provide basic information about yourself and your vehicle, and licensed agents or carriers can offer quotes tailored to your situation. This saves time compared to contacting each insurer individually.
Requirements vary by state, but most states require a minimum level of liability insurance (both bodily injury and property damage). Some states also mandate uninsured motorist coverage and personal injury protection (PIP). New Hampshire and Virginia have alternative options, but every driver is still financially responsible for damages they cause.
No. Using a comparison platform or requesting an insurance quote does not trigger a hard credit inquiry and will not affect your credit score. Insurers perform a "soft pull" when reviewing your credit history for rating purposes, which is invisible to lenders.
Collision coverage pays for damage to your vehicle resulting from a collision with another car or object — regardless of who is at fault. Comprehensive coverage covers damage from non-collision events: theft, vandalism, fire, hail, flooding, or hitting an animal. Most lenders require both if you have a car loan or lease.
Yes, you can switch insurers at any time — even mid-policy. Many carriers offer pro-rated refunds for unused premium if you cancel before the end of your term. Before switching, confirm your new policy is active to avoid any gap in coverage, and check your current policy for any cancellation fees.
Your deductible is the amount you pay out of pocket before your insurance covers the rest of a claim. Common deductible amounts are $250, $500, and $1,000. Choosing a higher deductible lowers your monthly premium but means you'll pay more when filing a claim. Choose a deductible you could comfortably afford in an emergency.
It depends on the type of claim, your insurer's policies, and your history. At-fault accidents typically result in a rate increase at your next renewal. Comprehensive claims (like hail damage or theft) generally have less impact. Some insurers offer "accident forgiveness" programs that protect your rate after a first incident.
Gap insurance covers the difference between your car's actual cash value (ACV) and the amount you still owe on your auto loan or lease if your vehicle is totaled or stolen. New vehicles depreciate quickly, so gap coverage is most valuable in the first few years of a loan or lease when you may owe more than the car is worth.
Driving without the legally required minimum insurance can result in fines, license suspension, vehicle impoundment, and personal liability for any damages or injuries you cause. In many states, a lapse in coverage is reported to the DMV and may result in registration suspension even if no accident occurs.
Yes. Some carriers specialize in coverage for high-risk drivers, including those with accidents, DUIs, or multiple violations. Providers like The General, Bristol West, Gainsco, and Dairyland offer options for drivers who may not qualify for standard rates. Premiums will be higher, but coverage is available.
An SR-22 is not a type of insurance — it's a certificate of financial responsibility that some states require after serious traffic violations (DUI, reckless driving, driving uninsured). Your insurer files the SR-22 form with the state on your behalf, certifying that you carry the required minimum coverage. Not all carriers offer SR-22 filing.
Bundling frequently results in a multi-policy discount, often ranging from 5% to 25% depending on the carrier. In addition to the potential discount, having both policies with one insurer simplifies billing and claims management. It's worth comparing bundled vs. separate quotes since the best deal isn't always with the same company.
Comparing at least once a year is a good practice — rates and carrier programs change regularly. You should also compare when: your policy is up for renewal, you move to a new state or city, you buy a new or different vehicle, you add or remove a driver on your policy, or your driving record changes.
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NationRateCompare.com is a free comparison resource. We may receive compensation when users connect with insurance providers through our platform. This compensation may influence which providers are featured and how they are ordered, but does not affect the accuracy or neutrality of our educational content. We are not an insurance carrier or licensed insurance agent. All coverage decisions, quotes, and policy terms are determined solely by the insurance providers. Provider availability varies by state. Company listings on this page do not constitute an endorsement.
