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Auto Insurance

Save up to $847 a year on car insurance

Get matched with auto insurance carriers in your state in under 2 minutes.

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What's included

  • Liability, collision & comprehensive coverage
  • Multi-car and bundle discounts
  • SR-22 and high-risk options available
  • Roadside assistance & rental reimbursement
$847
Average customer savings

What's included

Everything you need from auto coverage

Liability, collision & comprehensive coverage

Multi-car and bundle discounts

SR-22 and high-risk options available

Roadside assistance & rental reimbursement

Why CoverageCompare

A smarter way to shop auto insurance

Compare top carriers

We work with 120+ licensed carriers so you see real competing offers — not just one.

Licensed agents only

Every agent in our network is licensed in your state and verified by our compliance team.

No pressure, no fees

Our service is 100% free. Compare options at your pace — buy only if it's right for you.

How it works

Quotes in 3 simple steps

1

Tell us about your needs

Share a few quick details about your auto coverage needs. Under 2 minutes.

2

Get matched with agents

We connect you with top-rated carriers and licensed agents in your state.

3

Compare and choose

Review competing quotes side-by-side, ask questions, and pick the best fit.

Auto insurance is required by law in nearly every state — but that doesn't mean you have to overpay for it. The average driver who shops their auto insurance saves $847 per year simply by comparing rates from multiple carriers. At Covrable, we connect you with licensed agents and top-rated insurers so you can find the right coverage at the right price, fast.

What Does Auto Insurance Cover?

Auto insurance is made up of several coverage types that protect you, your vehicle, and others on the road. Liability coverage — which is legally required in most states — pays for injuries and property damage you cause to others in an accident. Collision coverage pays to repair or replace your vehicle after an accident regardless of fault. Comprehensive coverage protects against non-collision events like theft, vandalism, hail, floods, and hitting an animal. Medical payments (MedPay) or Personal Injury Protection (PIP) cover your medical bills regardless of who caused the accident. Uninsured/underinsured motorist coverage protects you when the at-fault driver has no insurance or not enough to cover your losses.

How Much Does Auto Insurance Cost?

The national average for full coverage auto insurance is approximately $1,800 per year, or around $150 per month. However, your actual rate depends on many factors: your age and driving history, the make, model, and year of your vehicle, your ZIP code and state, how many miles you drive annually, your credit score (in most states), and the coverage levels you choose. Young drivers and those with recent accidents or violations typically pay more. Bundling your auto policy with home or renters insurance can save an additional 10–25%.

Minimum Coverage vs. Full Coverage

Every state sets its own minimum liability requirements for auto insurance. While minimum coverage is the cheapest option, it may leave you financially exposed in a serious accident. Full coverage — which combines liability, collision, and comprehensive — provides much broader protection. If you have a car loan or lease, your lender will almost always require full coverage. If your vehicle is older and paid off, minimum coverage may make more sense financially, but it's worth comparing the cost difference before deciding.

Tips to Lower Your Auto Insurance Rate

There are several proven ways to reduce your auto insurance premium without sacrificing important coverage. Shop and compare quotes every 6–12 months — rates change frequently. Bundle your auto and home policies with the same carrier for a multi-policy discount. Ask about safe driver, good student, low mileage, and defensive driving discounts. Raise your deductible to lower your monthly premium (just make sure you can afford the deductible if you need to file a claim). Maintain a clean driving record — even one at-fault accident can raise your rates significantly for 3–5 years.

FAQ

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