Compare the top car insurance providers in United States — see cover, features and typical rates side by side.
21 live offers compared from 16 providers, from $0. Updated daily.
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Affordable auto insurance from GEICO. 97% customer satisfaction. Fast online quote.
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Largest US auto insurer. Excellent claims satisfaction. Local agent network.
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Name Your Price tool. Snapshot telematics program. Great for high-risk drivers.
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Good Hands protection. Local agents. Drivewise telematics savings program.
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Lowest rates in the US for military members and families. Highest customer satisfaction.
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Customizable coverage. RightTrack telematics program. Accident forgiveness available.
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Auto insurance covers the financial cost of accidents, theft and damage involving your vehicle. In the United States it is legally required to drive in nearly every state, and each state sets its own minimum liability limits. A typical policy bundles liability (for injuries and damage you cause others), collision and comprehensive (for your own car), plus optional coverages like uninsured-motorist and medical payments. Rates are highly personalized and vary enormously by state, driving record and vehicle.
Insurance is regulated state by state, so required coverages, minimum limits and even whether a state is at-fault or no-fault differ across the country. Insurers price using your driving history, age, location, credit-based insurance score (allowed in most states), vehicle and mileage. Many now offer telematics or usage-based programs that track driving to reward safe habits. You buy through captive agents, independent agents or direct online, and can switch carriers at any time to chase a better rate.
Legal compliance — Meeting your state's minimum liability requirement keeps you legally on the road.
Liability protection — Covers medical bills and property damage you cause, shielding your assets from lawsuits.
Vehicle coverage — Collision and comprehensive repair or replace your own car after crashes, theft or weather.
Bundling discounts — Combining auto with home or renters insurance often cuts both premiums.
Start by knowing your state's minimum limits, then decide whether to buy higher liability to protect your assets—minimums are often inadequate. Add collision and comprehensive if your car is financed or valuable. Compare quotes from several insurers since prices for identical coverage vary widely, and look at discounts for safe driving, bundling, good students and telematics. Check the deductible you can afford and the insurer's claims-satisfaction and financial-strength ratings.
State Farm and GEICO are the two largest auto insurers nationally, followed by Progressive, known for its comparison tool and Snapshot telematics, and Allstate. USAA consistently earns top satisfaction scores but is limited to military members and their families. Liberty Mutual, Nationwide and Farmers Insurance round out the major national carriers, each offering bundling discounts and a mix of agent and direct sales channels.
Premiums vary dramatically by state, age and record, but full-coverage policies commonly run from a few hundred to well over a thousand dollars every six months, with the highest-risk drivers paying far more. Minimum-liability-only coverage is cheaper. Your rate rises after at-fault accidents, tickets and lapses, and falls with clean records, higher deductibles, telematics discounts and bundling. Because pricing is so individualized, shopping around is the single biggest way to save.
Auto insurers are licensed and regulated by each state's department of insurance, coordinated through the NAIC, which oversees rates, forms and claims practices. Every state maintains an insurance guaranty association that pays covered claims if an insurer becomes insolvent. Consumers can file complaints with their state regulator, and most states prohibit unfair claims-settlement practices. Mandatory minimum liability laws exist in nearly all states.
Is minimum coverage enough? Often not—state minimums can leave you exposed to lawsuits, so higher liability limits are usually wise. Does my credit affect my rate? In most states insurers use a credit-based insurance score, so better credit can mean lower premiums. Will one ticket raise my rate? Typically yes, and the surcharge can last three to five years, though safe-driving discounts help offset it.
The cheapest Car Insurance in United States is $0 indicative rate from GEICO.
Giraffy tracks 5 auto insurance products across GEICO,State Farm,Progressive,Allstate,USAA insurers in United States. The lowest tracked price is $0 indicative rate. Your individual premium depends on your vehicle, driving history, and location — comparing quotes regularly is the most effective way to cut costs.
Third-party cover is the minimum legal requirement in most markets — it pays for damage you cause to other vehicles and people but not your own car. Comprehensive cover includes damage to your own vehicle regardless of fault — and is often only marginally more expensive than third-party cover.
Key factors include: age and driving experience, claims history and no-claims record, vehicle make, model, and engine size, annual mileage, where you park overnight, ZIP code, and whether you add named drivers. Younger drivers typically pay more due to statistically higher accident rates.
The deductible is the amount you pay out of pocket before your insurer covers the rest. A higher deductible lowers your monthly premium — but make sure you could comfortably pay it if you needed to claim. Common deductible amounts are $250, $500, and ,000.
A clean driving record — no at-fault accidents, tickets, or claims — is the single biggest factor in keeping premiums low. Most insurers reward 3–5 claim-free years with significant discounts. A single at-fault accident can raise premiums for 3–5 years.
Adding an experienced driver with a clean record can sometimes reduce premiums. However, adding a young or inexperienced driver almost always increases costs. Always list all regular drivers — omitting a household member who regularly drives the car can invalidate a claim.
Yes — temporary auto insurance is available from specialist providers for short periods. It's useful for driving a car you don't own, sharing driving on a long trip, or covering a car you're selling. Day-rate or pay-per-mile insurance is also available from providers like Root or Metromile.