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Different car insurance companies often produce very different quotes for the same person, even if the policies being compared are identical. This makes comparison shopping a crucial part of buying auto insurance. Wise shoppers will compare at least four or five different insurance providers to make sure they are getting a good deal.

Auto insurance comparison websites, which let you instantly compare auto insurance quotes from multiple insurance providers, can be a massive help in your quest for affordable or cheap car insurance. They provide personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you side-by-side airline ticket or hotel room options all on a single page.

In order to provide an accurate list of options, comparison sites ask you for necessary information such as your ZIP code, occupation, vehicle make and model, and driving history. These details allow the site to provide an accurate list of different insurance policies, options, and rates.

However, not all sites that claim to provide insurance quotes are the real thing.

Table of Contents

How Auto Quote Comparison Sites Work

There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, significantly shortening the purchasing process. These sites do not sell your information to auto insurance companies or agencies.

Unlike quote comparison sites, lead generation sites sell your information to their advertising partners—typically insurance companies. These sites are not built to provide you with personalized quotes and are not much help when trying to compare car insurance rates. Avoid these sites unless you’re eager to receive tons of cold calls from insurance phone banks and desperate agents.

Insurance comparison websites can be broken down further into sites that provide real-time insurance quotes and those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date. To get the most accurate information, you should use a site that provides real-time quotes generated by the insurance companies.

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Will the site you’re on know the exact liability limits in your state? Will it make sure you’re matched to a quote that makes sense in your ZIP code? Don’t get swindled by an ad-riddled bot site or lead-gen charlatans. Whether you’re driving in Utah or New York, Wyoming or Hawaii, make sure you’re getting the best deal on your coverage.

Find the cheapest car insurance quotes in your state here.

Comparing the Best Car Insurance Comparison Sites

Consult this chart for a quick overview of what sets these sites apart. When shopping for car insurance quotes, are you looking for real, accurate, full coverage quotes at reasonable prices? Or are you looking for a quick estimate that an agent might change later on in your shopping journey?

Car Insurance Comparison Sites with Real Quotes

The following comparison sites offer real-time, accurate insurance quotes.


Insurify is a free insurance comparison website that provides real-time, accurate quotes from top insurance companies in the U.S. It is rated 4.8 out of 5 on ShopperApproved, where it has 2,500+ user reviews.

The site offers a wide variety of insurance companies to choose from, an easy-to-use interface, and can effectively service drivers in all segments of the market. To date, it has delivered millions of car insurance quotes from top providers such as The General, MetLife, and Liberty Mutual.

Insurify has been featured on Forbes, the Wall Street Journal, CNET, and TechCrunch and is considered one of the top auto insurance comparison sites.

How it works: Insurify asks shoppers to answer a series of questions that it uses to produce real-time, accurate quotes. In addition to its mobile and desktop sites, the site also offers the ability to receive quotes and buy an insurance policy via Facebook Messenger.

The questions were easy to answer, and the process was straightforward—I was able to submit my information and get personalized quotes in under five minutes.

Results: Insurify produced nine quotes, starting at $78/month, each with the option to contact the insurance company immediately or schedule a phone call for a later time. Some of the quotes included helpful information about the policy or the insurance company offering it. The site allowed me to change the coverage from the left-hand sidebar, and it was easy to click on the different coverages and see the prices change in real-time.

Clicking on the button to the right of each quote brought up a pop-up window with more details about the policy, payment information, and options to buy a policy via phone or Internet.

The site also included ads for certain insurance companies, and clicking the “Check Rate” button for the ad connected me directly to the insurance provider’s website. It’s easy to tell the ads from the quotes; the ads all say “ad” next to the company name, and the button says “Check Rate” rather than “View Deal.”

Insurify’s quote comparison tool was a great help in shopping for car insurance. I particularly liked how easy it was to compare rates based on a custom coverage level. With a few clicks, I could alter the parameters (say, by changing the liability coverage limits or adding roadside assistance) and get a whole new batch of quotes instantly.

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Every year, Insurify also publishes a Best Car Insurance Companies list, ranking the top insurers in America based on overall quality score.



Compare.com is another online car insurance comparison tool that generates real-time quotes from multiple insurance providers. In addition to car insurance, Compare provides quotes for home, health, and small business insurance. It also offers tools to help you choose car loans and mobile phone plans. Compare is rated 4.6 out of 5 on eKomi, based on 970+ user reviews.

How it works: Compare’s shopping process asked me to enter the same general information that other auto comparison websites did. Entering the information was fairly straightforward. Most of the fields were drop-down menus or pre-filled based on information I had submitted on previous pages. The questions were detailed, including some about my current policy coverage limits that required retrieving my insurance documents to answer. I did like that Compare asked if I was willing to accept paperless documents and/or e-signing.

Results: Compare produced seven quotes ranging from $148 per month to $329 per month. The quotes were all from relatively obscure companies; I didn’t see any of the big-name providers. The site allowed me to customize coverage, but only by going back to the coverage selection part of the process—meaning that I had to wait for the quotes to re-load each time. It also didn’t allow as many customization options as Insurify. Only one of the quotes permitted online checkout; all the others required speaking on the phone with an agent. I did like that the quotes all let you choose between a pay-as-you-go policy (with a down payment) or a pay upfront policy (at a slight discount).


Policygenius has partnered with CoverHound to allow users to “compare and buy car insurance.” The site itself specializes in providing guidance with regards to life, disability, homeowners, pet, renters, and auto insurance—the quoting tool through CoverHound is a newer product.

How it works: Clicking “Get Quotes” on Policygenius’ auto home page led me to a flow that touted “10+ insurers,” ability to scan for savings in my current policy, and expert advice in as little as three to five minutes. Before entering any information, I was given the opportunity to bundle my auto and home policies for “Extra Savings.” I opted for “Auto Only.” However, I was then taken to a page that noted that Policygenius’ “auto-only experience” was not yet live. Bundling only!

Results: In the interest of seeing how Policygenius’ quoting experience worked, I pretended to search for a home and auto bundle quote. After about five minutes of home- and auto-related questions, I was finally asked to provide my email address and phone number to receive quotes. No automatic quotes?! While the user experience was clean and straightforward, I would have preferred fewer questions and real-time quotes without having to upload my homeowners and auto policy declarations pages at any point in the process.

If bundling policies is what you’re after, give Policygenius a try. For folks itching to get auto-only quotes, this might not be the site for you.

The Zebra

The Zebra is another free auto insurance comparison website. The site’s name refers to its founders’ goal of presenting “insurance in black and white.” TheZebra.com has a few articles about choosing car insurance, a car insurance calculator, and some necessary information about other types of insurance in addition to its quoting tool. The Zebra is rated 4.7 out of 5 and has 1,597 user reviews on ShopperApproved.

How it works: The quoting process was similar to that of other comparison websites, although it offered me the option of connecting my Google or Facebook account to speed up the process. After I entered the requested information, The Zebra announced that it had matched me up with nine possible discounts. However, it warned that not every insurance company offered all of these discounts.

Results: The final page offered five quotes ranging from $141 per month to $215 per month and three links to other websites that I could use to get more quotes. Unlike the other comparison websites, the quotes weren’t in any order (the others sorted their results from smallest to largest). Each quote included a company rating, policy features, and a button that would either take you to the company’s website or allow you to compare it with another company. A list of options on the left side of the page allowed me to check off the features that I wanted to include, and eliminated companies not offering those features.

The Zebra didn’t allow me to customize coverage preferences, forcing me to choose one of four pre-assembled packages. It also didn’t list which companies allowed which discounts, making their earlier list of pre-qualified discounts less useful.

Car Insurance Comparison Sites with Estimated Quotes

Unlike Insurify and Compare, some comparison sites only provide estimated quotes, based on aggregate information from your local division of insurance. Auto insurance rates from these websites are based on what other drivers in your ZIP code with similar histories are paying for insurance, rather than real-time quotes from insurance companies.

The following sites fall into the estimated quotes category.


Gabi is an insurance services company and licensed insurance agency that claims to save customers up to hundreds on their insurance premiums by comparing insurance quotes against your current policy. Users can link their current insurance to their Gabi.com account or send Gabi a PDF of their current insurance policy. Through its technology and real-life advisors, Gabi says it can find you the “right policy” and allow you to compare up to 20 quotes. Gabi has a 4.0 / 5 rating on Yelp, based on 70 reviews.

How it works: Like other comparison site flows, Gabi asks for some necessary information, like your name, address, and previous insurance company. Early on, however, I had to create an account linked to my email address and mobile phone number, adding some extra steps to the process. Since Gabi specializes in comparing insurance rates against your current plan, it isn’t ideal for the first-time insurance shopper. However, if you aren’t currently insured, you have the option to indicate “I Don’t Have Insurance” early on in the flow, and you should still be able to find quotes. This is what I selected to see if the experience would differ from someone who’s not currently insured.

Results: Even without linking a current insurance company’s account, I was still able to receive three quotes…after I’d built out my driver profile with vehicle information and specifics about my driving record. The few quotes I received for the coverage level I selected were reported as more or less accurate, but Gabi advised that I should “act fast,” as the “quotes could change anytime.” If I selected a quote, I had to enter the remaining details about my driving record (such as my driver’s license number) before moving on to payment preferences. Furthermore, Gabi followed up with texts to my cell number, which was technically convenient, but something of an annoyance.

Though I was able to customize my car insurance coverage options and get a few quotes, I got the sense that Gabi’s biggest strength is its ability to compare quotes against one’s current policy. Otherwise, Gabi’s flow was similar to other estimated quote comparison sites, with the extra steps of account setup that seemed unnecessary.


Nerdwallet.com is a popular personal finance website that offers free comparison tools for car, health, and life insurance quotes. The site also has reviews of different insurance providers and numerous tips for picking the best policy. Nerdwallet is rated 4.5 out of 5 from 2,413 user reviews on ShopperApproved.

How it works: To get quotes, you’re required to sign up for a free Nerdwallet account. This includes signing a disclaimer giving Nerdwallet permission to pull reports from the credit reporting agencies and share your credit score and other information with its partner companies.

During the quoting process, Nerdwallet asked questions about my vehicle, driving, and insurance history. One question that stood out was the one asking how much I currently paid for auto insurance. I couldn’t see how that helped Nerdwallet come up with rates (although it undoubtedly helped the company with its future marketing efforts).

Results: Nerdwallet returned three quotes ranging from $154 per month to $315 per month and six “estimated rates,” ranging from $153 per month to $330 per month, from mostly name-brand insurance companies. Each quote/rate included a little information about the company, a company rating, and a summary of Nerdwallet’s review (accessed by clicking on the “view details” link). The quotes had a button to click to buy the policy over the phone, but only one quote offering the option to purchase online. The estimated rates included a button to click to access the company’s website and get an actual quote from them.

Nowhere in the process did Nerdwallet allow me to customize coverage options—I could only choose one of four pre-assembled packages. The selection process also made no mention of discounts—either how to qualify for them, or which companies offered them.

Lead Generation Sites

Unlike quote comparison sites, lead generation sites are paid when they send customers’ personal information to external agencies.

These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, usually for a far less attractive price. This is because lead generation sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.

flow chart of how lead generation sites sell your information in exchange for fake quotes

You can sometimes get auto insurance quotes on lead generation sites, but expect them to be far less reliable than quotes from comparison sites. Using lead generation sites most likely means that you’ll end up wandering from one auto insurance website to another in pursuit of the best rate, which defeats the purpose of using a quote-generating site at all.


DMV.org is a privately owned site that helps drivers interact with their local Department of Motor Vehicles. This site is not an official government agency but acts as a middleman between you and your local DMV. For example, a visitor may renew their vehicle registration or driver’s license on the site for an additional fee. DMV.org is rated 4.5 out of 5, and has 23,156 user reviews on Trustpilot.

How it works: Each state page on the site offers information on required coverage, optional coverage, proof of insurance, vehicle registration, insurance plans, rates, and discounts. They also have an insurance quoting engine that works similarly to those on other lead generation sites.

Results: After working my way through the DMV.org quoting process, I discovered that they don’t actually provide car insurance quotes. Instead, they provide you with links to other websites where you can get a quote. In my case, it gave me exactly two links: to Esurance and Allstate. Clicking a link to go to one of these websites required me to start all over with the quoting process, leaving me wondering why I’d bothered with DMV.org in the first place.


InsuranceQuotes is a free, online comparison tool that offers quoting processes for auto, life, health, homeowners, and other types of insurance. The site also has articles on insurance-related subjects and provides information on auto insurance by state, including average rates. InsuranceQuotes is rated 1 out of 10 and has 14 user reviews on Resellerratings.

How it works: The quoting process asked me for the usual information; however, clicking the “get quotes” button required me to consent to a somewhat unnerving declaration that I would be called by up to eight insurance or partner companies, potentially including robocalls.

Results: I was led to a “quotes page,” informing me that I had been matched with three insurance agents who would be contacting me shortly. The page listed the three companies (Nationwide, Allstate, and Apliant) but provided no information about them, not even contact information.


NetQuote is a free, online insurance comparison tool that provides leads to insurance agents.

In addition to auto insurance, Netquote also offers quotes for health, home, renters, business, and life insurance. NetQuote is rated 1.2 out of 5, and has 39 user reviews on ConsumerAffairs.

How it works: Once I entered my ZIP code, the site launched its quoting process, which was entirely identical for InsuranceQuotes’—leading me to suspect that the two sites belong to the same company.

NetQuote even asked me to agree to the same fine-print agreement as InsuranceQuotes, which allowed eight or more insurance companies to contact me with offers and information.

Results: I was delivered to a results page that also looked identical to InsuranceQuotes’, although the agents who would be calling this time were from Nationwide, Allstate, and Esurance.


SmartFinancial’s home page boasts that it can get you rates from top-rated insurance providers in less than 3 minutes. The quote processing tool provides quotes for auto, home, health, and life insurance, among others.

How it works: The quoting process did indeed move very quickly with the help of drop-down menus. After asking the usual questions, the tool asked for my email address while claiming, “no spam, ever.”

But before I clicked to view my quotes, I noticed the fine print asking me to agree to allow “marketing partners to contact you for marketing/telemarketing purposes at the number and address provided above….” So much for no spam.

Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment. But given how limited the results were in the first place, that particular option isn’t much help.


Like Nerdwallet, ValuePenguin is a personal finance site dedicated to helping consumers make informed decisions about their credit cards, banking, investments, and insurance. The site offers quoting tools, in-depth financial product reviews, and analyses of industry trends.

How it works: ValuePenguin’s quoting tool is virtually nonexistent. The only thing it asked me for was my ZIP code.

Results: Once I typed in the requested ZIP code, I was immediately taken to a page with links to four actual insurance quote comparison websites. Rather than create a quoting tool of its own, ValuePenguin has chosen to guide visitors to other comparison websites. All in all, you’d be better off just skipping ValuePenguin and going straight to a site that will produce quotes for you.

Insurance Companies that Compare Quotes

Several insurance providers tout their quote comparison platforms as a way to increase transparency and trust with potential customers. If we compare our rates against those of our competitors, they claim, shouldn’t that tell you that we’re serious about getting you savings? It’s a great advertising ploy, but the results are mixed. The following insurance companies offer users their own quote comparison experiences, but they too deserve a critical eye.


The Esurance website has its own page dedicated to quote comparison. The company discloses that it works with its sister company, Answer Financial, to deliver side-by-side auto insurance quotes from “top insurers.” Sounds harmless enough, right?

How it works: Far from a flow, Esurance’s comparison page only asked me for one thing—my ZIP code.

Results: Turns out my ZIP code is all Esurance truly needed because my “quote list” immediately generated on the same page. I didn’t see any real-time quotes, but Esurance did provide several ads from insurance companies like GEICO, Progressive, and Liberty Mutual, all beckoning me to get a quote on their websites. All of this was below a box that led directly to Esurance’s own flow. Overall, I didn’t get anything more than ads…but at least it got me thinking about other providers to visit.


While Progressive hardly has trouble dominating the auto insurance market, it still purports to offer a quotes comparison experience. It seems as though Flo and her iconic price gun aren’t out to get you savings through Progressive alone. Does the company practice what it preaches?

How it works: Curious to see if Progressive could find me cheap, non-Progressive rates, I entered my ZIP code and then was taken to Progressive Direct to complete my quote.

Results: The website noted how many residents in my state had bought a new Progressive auto policy in the past 30 days. After I filled out the entire Progressive application, I got my six-month policy quote. But what happened to comparing to other companies? I tried with different ZIP codes, and the process remained the same. Progressive may boast cheap car insurance rates, but if I wanted to compare quotes manually through various websites, well, I would have done just that.

Conclusion: Who can offer you the best and cheapest quotes?

Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you start your quote hunt, review your existing policy, and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.

When you’ve worked out just what coverage you need, an auto insurance comparison site can help find the best price for your desired policy. However, you’d be advised to stick to reputable comparison sites that give you real quotes rather than lead generation sites that will throw you on the mercy of cold-calling insurance agents.

You may find that a few minutes spent on a site like Insurify will save you hundreds of dollars a year in insurance costs. Good luck!

Car Insurance Comparison FAQs

Which car insurance comparison site is best?

Insurify is the top-rated and most-rated car insurance quote comparison site in America. With a 4.8 / 5 customer satisfaction rating on Shopper Approved, Insurify secures thousands of dollars in closed auto policy savings every day for users in all 50 states. Other auto insurance comparison sites include Compare.com and The Zebra.

How can I find the best and cheapest car insurance rates?

Online auto insurance quotes comparison is the insurance shopping of the future. Unsafe lead generation sites sell your information to the highest bidder, and agencies won’t always give you the full picture. Only comparison sites provide a no-obligation and free route to car insurance savings based on your financial needs and driver profile.

How many car insurance quotes should I compare?

Don’t rely on one insurance company or agency to get a car insurance quote. Comparing at least four car insurance quotes on a site like Insurify will give you a more accurate idea of how much you can expect to pay in monthly premiums. The average Insurify user can get six or seven real, bindable quotes in a matter of minutes.


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Updated January 4, 2021

Nick Dehn is a content specialist for Insurify. A seasoned writer, Nick has produced feature pieces, opinion editorials, and press releases for start-ups, small businesses, and local news publications. He now develops content full-time for Insurify, researching and writing data-driven studies and producing insights on the insurance industry. Media appearances on behalf of Insurify include NBC, CBS, and NPR affiliates across the country. Nick is an alumnus of Williams College, where he graduated cum laude with a degree in English and Sociology.