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Find Your Best Car Insurance Rate

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Next, you’ll answer a few quick questions about your car and driving history

Why Money readers use it

One ZIP. Real options. No pressure.

Worth a quick look

Rates change from year to year, so it can pay to compare — even if you’re happy where you are.

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Compare in one place

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54%

Average U.S. car insurance prices rose about 54% from 2020 to 2025. Comparing rates is a smart habit that can help keep your coverage in step with your budget.

Source: U.S. Bureau of Labor Statistics, Consumer Price Index — Motor Vehicle Insurance (series CUUR0000SETE). Figures are December-to-December % change. 2020–2025 cumulative increase derived from BLS CPI index levels.

Car insurance FAQs

How much could I save by comparing?

It depends on your driver profile, current policy, and where you live. Since rates change with the market, the only way to know your current options is to compare. Many drivers find it worthwhile — even just to confirm they already have a competitive rate.

How often should I compare car insurance rates?

A good rhythm is every 6 to 12 months — and any time something changes (a new car, a move, marriage, or a new driver in the household). Since insurers re-price every year, a quick check around your renewal date is a smart financial habit, even if you decide to stay put.

Will comparing quotes hurt my credit?

No. Auto insurers use a soft credit inquiry (a credit-based insurance score), which doesn’t affect your credit score. Comparing quotes is a no-risk move.

Why do car insurance rates change year to year?

Rates shift with broader industry trends: repair, parts, and labor costs have risen sharply nationwide. Per the BLS, U.S. car insurance prices grew ~54% from 2020 to 2025. Since rates can move every year, comparing your options regularly is a smart financial habit — even when your driving record hasn’t changed.

Is my information private?

Yes. Your info is encrypted in transit and only shared with the insurers you choose to get quotes from.

Do I have to switch if I find a better rate?

Nope. Comparing is free and you’re under no obligation. If the savings aren’t worth it, stay where you are. If they are, your future self will thank you.

Ready when you are.

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