Car Insurance Quotes

4.8750
8 reviews for top rated company
To optimists, car insurance might seem an unnecessary expense. But to pessimists who apply worst-case scenarios to every occasion, there’s no such thing as enough coverage. Regardless of your outlook on life, car insurance is required in all states, and for good reason. Use the WalletHub Car Insurance Quote Generator to find the best coverage at the lowest cost. To help you navigate the process, we’ve answered key questions about auto insurance in the Expert Answers section below.
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WalletHub is an independent comparison service and is not a licensed insurance agent or broker. WalletHub does not solicit, negotiate, sell, or effect contracts of insurance.

We work hard to present you with accurate quote estimates, however, this information does not originate from us and thus, we do not guarantee the accuracy of our estimates. In addition, keep in mind that actual quotes may vary for a number of reasons including the applicants' driving record, credit history, customizations to your car, and differences between an individual's situation and the criteria/assumptions used to generate these estimates. WalletHub estimates in certain states may reflect the offerings of a single company within a group of related companies. Rates from other companies within that group may be available to you as well. WalletHub provides estimates only from certain companies. Other companies in your state may have rates that are higher or lower than those provided here.

You can check the profile page of each provider to determine whether they are a paying advertiser (indicated by the word "sponsored"). Regardless of advertiser status, none of the information on WalletHub constitutes a referral or endorsement of the respective financial institution by us, or vice versa. Furthermore, it is important to note that the inclusion of a financial company's products or services on WalletHub does not necessarily indicate that company's involvement or association with the site or control over the information that we display. Information is displayed first and foremost for the benefit of consumers.

Before buying a car insurance policy, always verify the premium, coverage, and all terms and conditions. Please let us know if you notice any differences related to our estimates.

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EXPERT’S ANSWERS

How Do I Compare Car Insurance Quotes?

By: Karl Eisenhower, Personal Finance Sr. Editor When buying auto insurance, you should consider more than just the cost of your premium. Before purchasing a policy, make sure you’ve obtained and compared at least three quotes. Keep the following in mind as you request them:

  • User Reviews: Focus on reviews from WalletHub users who had to submit claims, since this is when you most need your insurance provider to be responsive. In addition, you may also want to get a sense of the number of complaints filed against a given company by checking the website of the National Association of Insurance Commissioners.

  • Quote Details & Amount: Once you have quotes, make sure you’re comparing similar levels of coverage. It’s easy for an insurance company to offer you a cheaper quote for an inferior amount of coverage. Understand, however, that a quote is simply an estimate and may differ from your actual premium once an insurance company does its final assessment of your driving, credit, and insurance claim history.

  • Insurance Company’s Solvency: The mere existence of an insurance company says nothing about its financial soundness. And just how financially stable it is can predict how well it will handle a future claim — let alone if it’ll have the resources to pay out. Before you commit to a provider, you may also want to review its financial position. at websites such as A.M. Best.

What Determines Car Insurance Rates?

By: Richie Bernardo, Personal Finance Reporter Everyone wants a low insurance rate, but the cost (or premium) will depend on a number of different elements that essentially paint a picture of your overall risk profile. Some of these are things you can’t change, such as your age, gender, or marital status. Others factors that insurance companies take into account, such as where you live and drive, the type of car you own, your credit score, your driving record, and educational background are things you may be able to adjust to impact the cost of your car insurance.

What Information Do I Need When Requesting Car Insurance Quotes?

By: Richie Bernardo, Personal Finance Reporter Be prepared to supply details about you, your car and your driving habits. If your driving history is spotted with traffic violations and accidents, don’t bother concealing that information from insurers to avoid a higher quote. They will request your driving record from your state’s department of motor vehicles (DMV) and other sources, and they will definitely consider it in the quote calculation. Insurers may ask the following questions during the quoting process:


Questions About You (and Any Other Drivers): These may include demographic information (e.g., sex, marital status and age), Social Security Number, driving record and previous insurance coverage for you and any other drivers of the vehicle.


Questions About Your Car: These may include the year, make and model of your car, VIN (Vehicle Identification Number), odometer reading, and lender or owner information.


Questions About Your Driving Habits: These may include the distance, frequency, location and time of day you drive, and whether you use the vehicle to drive for pleasure or for commuting to school or work.

What Are the Types of Car Insurance Coverage?

By: Karl Eisenhower, Personal Finance Sr. Editor The most common types of car insurance coverage are briefly described below. Depending on your circumstances, some will be required and some will be optional. You can read more detailed descriptions by clicking on the link for each one.


Liability Car Insurance: If you cause an accident, this type of insurance will pay for damage to the other person’s car and/or any injuries to others. It does not cover your own expenses unless you buy additional coverage. All drivers are required to have some level of liability coverage.


Collision and Comprehensive Coverage: These types of coverage are generally recommended if your vehicle is newer or more expensive. Collision coverage protects you if you are responsible for an accident with another car or hit an object such as a tree. Comprehensive coverage pays for damages caused by other objects or acts of nature, such as a hailstorm. If you have a car loan or lease, you will be required to have this type of coverage.


Uninsured and Underinsured Motorist (UM/UIM) Coverage: If an uninsured driver, or a driver with insufficient coverage limits, damages your car or injures you in an accident, you can ensure you are covered by purchasing this type of insurance.


Medical Payments Coverage: Regardless of who’s at fault in an accident, your insurer will help pay for medical, dental or funeral expenses for anyone in the car. Medical payments coverage can be beneficial to cover health insurance deductibles and co-pays.


Personal Injury Protection (PIP): If you live in a state with “no-fault” insurance laws, PIP can cover you and your passengers for various expenses regardless of who caused the accident. Like medical payments coverage, PIP can cover medical bills for you and your passengers, but it will also cover other expenses you may incur as a result of being injured, such as lost wages, childcare, lawn maintenance, or house cleaning.


Other types of coverage options include gap insurance, which—in the event your car is totaled while you are still paying it off—would make up any difference between the amount you owe and the car’s actual cash value; rental car reimbursement, which provides you the use of a rental car while your car is being repaired; and emergency roadside assistance.

How Much Car Insurance Do I Need?

By: Richie Bernardo, Personal Finance Reporter There’s no one-size-fits-all answer to this question. How much car insurance you need simply depends on your individual characteristics, lifestyle and financial situation. The good news is that coverage limits are customizable, so you can get adequate, quality insurance and afford the payments. Here’s what you need to consider:

  • Your State’s Minimum Requirements: First, you need to know the minimum coverage limits required by your state. You can add as much additional coverage as you need when it’s time to buy your policy.

  • Your Assets: When adding coverage, consider the value of your assets, including property and future earnings. In a lawsuit, juries can award damages way above the policyholder’s coverage limits. In such a case, you risk losing your assets to cover whatever portion of the remaining amount of damages the other party is owed.

  • Your Driving and Car: If you drive more miles than average or have a newer car that would be more expensive to repair or replace, you may want more insurance coverage to be adequately protected.

  • Your Peace of Mind: If you cause an accident, you want to make sure you are providing enough to compensate the injured party.

What Car Insurance Discounts are Available?

By: Richie Bernardo, Personal Finance Reporter Based on your status in various categories, you can qualify for one or several of the discounts briefly described below.

  • Vehicle Equipment Discounts: This applies if your car comes with safety features such as air bags, anti-theft alarm systems, etc.

  • Driver’s Education Discount: This applies if you’ve successfully completed and passed a driver’s education course (in states where it isn’t mandated) or defensive driving training course.

  • Good Driver Discount: This applies if you’ve maintained a clean driving record for several years.

  • Driver’s Affiliation Discounts: This applies to members of different organizations, clubs or groups such as the military or alumni associations.

  • Customer Loyalty/Multi-Vehicle/Family Legacy Discounts: This applies when a driver or vehicle is added to a policy that’s maintained with the same carrier for an extensive period of time.

  • Policy Discounts: This applies when you pay your policy in full up-front or enroll in a pay-as-you-drive (PAYD) program as well as for early signing.

  • Student Discounts: This applies to high-achieving students and students who move away for college without access to a vehicle except when they are home. Discounts include the good student discount and resident student discount.

  • Teen Driver Discounts: This applies to drivers between the ages of 16 and 19. Incentives include the teen driver monitoring discount and parent-teen driving contract discount.

How Does the WalletHub Car Insurance Quote Generator Work?

By: Richie Bernardo, Personal Finance Reporter Using our car insurance calculator is simple:

  • You provide your information and select the coverage you want.

  • Our proprietary software crunches the numbers on a real-time basis.

  • We provide you the most accurate quote estimates based on your information and desired coverage.


You can review the quotes and compare them against one another to find the best coverage for the best price. This is a free service to you. We do not sell insurance policies or act on behalf of insurance providers. Our goal is simply to make the comparison-shopping process easier for consumers.

Before using the car insurance calculator, have your personal information at hand. In order to obtain the most accurate quotes, make sure the information you input is accurate.
COMMUNITY DISCUSSION

Help others find the best insurances by sharing what your deciding factor was when choosing your insurance

 
September 10, 2014
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luis_mendez_1276
State farm is my only option for car insurance.
April 7, 2014
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batman10
I had an automobile accident on September 1st, 2013, being sideswiped by a Farmers Insurance insured driver. It took them almost 2 weeks to get around to setting an appointment to view my $1,240.00 in car damage. I received a headache from whiplash and went to the hospital for a couple X-rays. I provided all of my medical bills to the claims adjuster handling my case within 3 weeks. The first offer from the adjuster read more
April 2, 2014
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Tatunio
I'm with Nationwide since January 2014. The reason I choose this particular insurance company is that they give me the lowest quote for a six month premium, and they take monthly payments. The agent that I spoke with was very professional and got me exactly what I needed for my financial needs. I definitely will refer this insurance company to my friends and family members.