Auto Insurance

Find the Best Auto Insurance in the US

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Find Your Match

Last Updated:
November 2024

Our rating system - FinSpot Star Ratings are based on editor research and expertise. Please do your own research before making any financial decisions.

Our Favorite
1
9.9
FinSpot Rating
Let's Drop Your Auto Insurance Rates Today!
  • Provide some basic information about yourself and your vehicle
  • Our Smart matching engine sifts through thousands of insurance policies
  • You have the freedom to choose the policy you feel suits you the most
Membership
2
9.7
FinSpot Rating
With AAA, you're always ready to go.
  • Benefit from the coverages, discounts, and services of America's Membership.
  • Plans start at $64.99 per year.
  • Membership includes our legendary 24/7 roadside assistance, hotel discounts, and trip planning.
3
9.3
FinSpot Rating
Compare Car Insurance Rates Instantly
  • Find cheap rates by comparison shopping
  • We do the hard work for you
  • Explore our guides and articles
4
9.0
FinSpot Rating
The Insurance Savings You Expect
  • See how much you could save!
  • We'll get started by entering your ZIP Code
  • Get Instant Access to Claims and Your Policy
5
8.8
FinSpot Rating
Compare Car Insurance Quotes
  • Get personalized quotes in 5 minutes or less
  • Serious savings with no hidden fees
  • Get your quotes from us, buy through us
6
8.7
FinSpot Rating
Smart financial decisions start here.
  • Compare auto insurance providers from across the US
  • Advice on what type of policy is best for you
  • Find Your Match Today

Our Methodology: How we found the top providers in your area

Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every single day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.

Our Favorite Auto Insurance Policies in the US
1
ClickCheapQuote
Let's Drop Your Auto Insurance Rates Today!
  • Provide some basic information about yourself and your vehicle (this will allow us to generate customized results)
  • Our Smart matching engine sifts through thousands of insurance policies and presents you with valid options
  • You have the freedom to choose the policy you feel suits you the most from a list of matching policies we provide

How Does ClickCheapQuote Work?

We take all the information you provide regarding yourself and your vehicle and compare it in real time to our live database connected to dozens of top insurance carriers. This results in a list of policies that are specific to your personal circumstances and are from carriers that are willing to insure you.

Why is it so important to have personalized results? Because many of us spend countless hours filling endless documentation just to find out there is no relevant policy or getting declined for insurance. The ClickCheapQuote platform makes sure you are presented with the top options in one place.

The service is free and you are never obligated to buy the presented policy.

Compare Between Top Carriers And Start Saving

How To Start Saving On Your Car Insurance?

  • A Little Information: Provide some basic information about yourself and your vehicle (This will allow us to generate customized personalized results).
  • A Bit Of Magic: Our Smart matching engine will sift through thousands of possible insurance policies and only present you with relevant and valid options.
  • A Lot Of Savings: You have the freedom to choose the specific policy you feel suits you the most from a list of matching policies we provide.
2
AAA Membership
With AAA, you're always ready to go.
  • Benefit from the coverages, discounts, and services of America's Membership.
  • Plans start at $64.99 per year.
  • Membership includes our legendary 24/7 roadside assistance, hotel discounts, and trip planning.

There’s more to AAA than you think—all for as little as $64.99 a year.

Join today and save $10 with Automatic Renewal & add Members for 50% off.

From legendary roadside assistance and the convenience of in-branch services, to savings on travel, entertainment, and auto repairs — you’ll find having AAA Membership on your side will benefit you for life.

  • Legendary Road Service: Towing, jump starts, tire changes, emergency fuel, and new batteries delivered right to you. AAA covers you in anyone's car, even if you're a passenger.
  • AAA Auto Repair: AAA Members receive 10% off labor costs and get an extended warranty on all parts and repairs.
  • Expert Identity Protection: Choose from multiple levels of identity protection, with credit monitoring, email alerts, insurance coverage, and more.

Add a loved one to your AAA Membership! It offers the same 24/7 Roadside Assistance that’s kept you safe for years, for as little as $44.99 a year—and you can save 50% on additional Members with Automatic Renewal. Or - gift a membership! The one gift that’s sure to fit any special person you want to protect. AAA Gift Memberships give your loved ones peace of mind and more all year long.

Choose from 3 Levels of AAA Membership:

  • Premier - $124.99/yr: 200 Miles of towing. Fuel and Delivery. Up to $150 reimbursement for home or car locksmith fees.
  • Plus - $99.99/yr: 100 miles of towing. Fuel and Delivery. Up to $100 reimbursement for car locksmith fees.
  • Classic - $64.99/yr: 5 miles of towing. Fuel Delivery. Up to $50 reimbursement for car locksmith fees.
3
SmartFinancial
Compare Car Insurance Rates Instantly
  • Find cheap rates by comparison shopping
  • We do the hard work for you
  • Explore our guides and articles

Car insurance rates change every day, and you could be leaving money on the table if you’re not comparison shopping. With car prices and repair expenses shifting, so does the cost of auto insurance. Insurers use these market changes plus other factors, like your age and driving history, when underwriting policies — that's why a different carrier may charge less for the same coverage.

Until you compare quotes, you’ll never know if you’re paying too much for car insurance.

But shopping around can be a tedious chore. Imagine calling each company one-by-one and repeating your information each time. Doing the legwork yourself might waste hours (possibly days) of work. Or you can complete one convenient form to compare big carriers alongside smaller local ones for free by shopping with SmartFinancial.

Save up to 50% on Car Insurance with SmartFinancial!

Why we chose SmartFinancial: The best way to buy car insurance is to compare rates. Not only do car insurance rates change daily, but you will get different pricing from each insurer. Why not compare all the rates available to you so you can afford to buy the right amount of coverage and save some money too? That's where SmartFinancial comes in. Let them do the hard work of finding all the most recent rates in your area for you!

4
Geico
The Insurance Savings You Expect
  • See how much you could save!
  • We'll get started by entering your ZIP Code
  • Get Instant Access to Claims and Your Policy

85 years of saving people money on car insurance with affordable rates and personalized service.

Start a car insurance quote and see how much you could save! We all need auto insurance, and the best place to start is with a free car insurance quote. Whether you're looking for cheap car insurance rates, personalized vehicle coverage, or great service, GEICO has you covered for it all!

Need more reasons to get a quote? We love saving people money!

  • Car Insurance Discounts: Many of these discounts are for things that are standard on newer cars like having daytime running lights, air bags, and anti-lock brakes.
  • Bundle and Save: You could save money when you combine property insurance with your GEICO Car Insurance policy.
  • More Ways to Save on Car Insurance: Whether you're a student, a federal employee, or a member of the armed forces, GEICO has a discount you may qualify for.

Personalize your car insurance with the coverages you need. GEICO makes it easy to customize your car insurance to fit your needs.

  • Required auto insurance coverages: These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.
  • Additional car insurance coverages: Although these may not be required, they can provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you.
  • We can help you pick the coverages you need: We get it. Car insurance coverages aren't the easiest things. We're here to help answer questions about your auto insurance policy.
5
Insurify
Compare Car Insurance Quotes
  • Get personalized quotes in 5 minutes or less
  • Serious savings with no hidden fees
  • Get your quotes from us, buy through us

Why Insurify? We believe everyone deserves to get good, cheap insurance. We simplify the process of buying car, home, pet, health, and life insurance.

  • Serious savings: Comparing with Insurify may save you up to $717 annually on your car insurance. You can also compare homeowners insurance rates with us.
  • One-stop shop: We don’t need to send you off-site to buy a policy. We’re a virtual licensed agent in 50 states. Get your quotes from us, buy through us.
  • No fees, no spam: We’ll never charge you to show you quotes, or sell your personal information. Comparing quotes with us won’t fill your inbox with spam.
  • Unlock discounts: We work with top insurers to unlock exclusive rates and special discounts for you. So far, we’ve helped over 4.6 million customers save.

Why we chose Insurify: $200B+ in insurance coverage since launch. 100+ real-time integrations to shop and compare in one place. Up to $689 average savings per year. 70M+ quotes offered. 400M+ proprietary consumer data points. 160+ employees globally. Need we say more?

6
SuperMoney
Smart financial decisions start here.
  • Compare auto insurance providers from across the US
  • Advice on what type of policy is best for you
  • Find Your Match Today

You wouldn't book a flight without comparing options, would you? Why should shopping for financial services be any different? SuperMoney makes financial comparison shopping easy. Compare rates, terms, and features on thousands of financial products and services in one place.

Our AI compiles and compares the pros, cons, and key takeaways to bring you a list of top products in various financial categories.

Why we chose SuperMoney: They boast over 8.5 billion financing requests processed. They know what they're doing. In 2021, 2022, & 2023, SuperMoney earned a spot on Inc. Magazine's prestigious list of Fastest-Growing Private Companies in the United States. In 2022, SuperMoney was also named in Deloitte's Technology Fast 500 list of fastest growing technology companies in North America.

Understanding Auto Insurance

Auto insurance is a contract between you and an insurance company where you pay a premium, and in return, the insurance company agrees to pay for specific car-related financial losses during the term of the policy. Understanding the different types of coverage available is crucial in selecting the right provider. 

Common types of auto insurance coverage include:

  • Liability Insurance: Covers damages for injuries and property damage to others, for which you become legally responsible due to a car accident.
  • Collision Coverage: Pays for damage to your vehicle that occurs as a result of a collision with another vehicle or object.
  • Comprehensive Coverage: Covers damage to your vehicle caused by events other than a collision, such as theft, fire, or natural disasters.
  • Personal Injury Protection (PIP): Covers medical expenses for injuries to you or your passengers, and sometimes covers lost wages and other damages.
  • Uninsured/Underinsured Motorist Coverage: Provides protection if you are involved in an accident with a driver who either has no insurance or insufficient insurance.

Evaluating Your Needs

Before comparing auto insurance providers, assess your specific needs. 

Consider factors such as:

  • Vehicle Type: The make, model, and age of your vehicle can significantly impact your insurance rates.
  • Driving Habits: How often and how far you drive can affect your premiums. If you have a long commute or drive frequently, you may require more comprehensive coverage.
  • Financial Situation: Your budget will play a critical role in determining the level of coverage you can afford. However, opting for the lowest premium may not always be wise if it means having insufficient coverage.
  • Risk Profile: Your driving record, age, and even credit score can influence your risk profile and, consequently, your insurance rates.

Comparing Providers

Once you have a clear understanding of your insurance needs, start comparing providers that offer coverage in your area…

  • Research and Reviews: Look for customer ratings on reliability, claim handling, customer service, and overall satisfaction.
  • Quotes Comparison: Get quotes from multiple providers for the same level of coverage to compare rates.
  • Discounts: Check for discounts that may apply to you, such as those for good drivers, multiple vehicles, safety features on your vehicle, or if you bundle your auto insurance with other policies like renters insurance.
  • Financial Stability: Consider the financial stability of insurance providers. Companies with high financial ratings are more likely to be able to pay out claims.

Making the Final Decision

After gathering all the necessary information, it’s time to make your decision. Consider not only the price but also the quality of service and coverage. Remember, the cheapest option is not always the best. 

Consider factors like:

  • Ease of Filing a Claim: The process should be straightforward and customer-friendly.
  • Customer Service: Look for providers that offer excellent customer service, including 24/7 support.
  • Coverage Options: Ensure the provider offers the types of coverage that meet your specific needs.
  • Flexibility: Some insurers offer more flexibility in terms of policy customization and payment options.

Finding the right auto insurance requires a balance between adequate coverage, affordability, and quality service. By understanding the basics of auto insurance, evaluating your own needs, comparing what different providers offer, and considering the overall value, you can make an informed decision that safeguards your financial well-being and provides peace of mind. 

Pro Tip: Remember that your auto insurance needs may change over time, so it’s a good idea to review your policy periodically to ensure it still meets your needs. Make sure you check that your policy doesn't include any cancellation fees before changing providers.

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