Free car insurance quotes from top U.S. carriers.

Yes. Comparing car insurance through Insurancy is 100% free. There is no purchase obligation, no credit card required, and you can compare as many carriers and coverage levels as you want. We are paid by the insurance carrier when you choose to enroll, never by you.

Liability covers injuries or property damage you cause to others, and is required in nearly every U.S. state. Collision covers damage to your own vehicle from a crash with another car or object. Comprehensive covers damage to your car from things other than a collision, such as theft, vandalism, fire, hail, falling objects, or hitting a deer. Most lenders require collision and comprehensive while you are financing or leasing.

Full coverage is not a single product but a common bundle of liability + collision + comprehensive, often paired with uninsured/underinsured motorist coverage. It protects you from damage you cause to others AND damage to your own vehicle. If you own your car outright, full coverage is optional. If you lease or finance, your lender will require it.

At minimum you need your state’s required liability limits, but state minimums are often inadequate to protect your savings if you cause a serious accident. A common recommendation is 100/300/100 ($100k per person / $300k per accident bodily injury, $100k property damage) plus uninsured motorist coverage. Your licensed Insurancy agent can recommend limits based on your assets, income, and driving exposure.

Insurancy compares quotes from top-rated U.S. auto insurance carriers, including Progressive, Travelers, Nationwide, Liberty Mutual, Safeco, The General, National General, Bristol West, Foremost, Mercury, and many regional carriers. Carrier availability depends on your state and driving profile.

The biggest savings usually come from shopping multiple carriers because rates can vary by hundreds of dollars per year for the same coverage. Other common savings: bundling with home or renters insurance, raising your deductible, taking a defensive driving course, adding safe driver and good student discounts, paying in full instead of monthly, and asking about low-mileage or telematics programs.

No. Your new rate is based on the carrier’s underwriting of your driving record, vehicle, location, and coverage choices. Shopping for quotes through Insurancy does not affect your credit score and does not raise your existing policy rate. Many drivers actually save money by switching every 1 to 2 years.

Yes. Insurancy works with several carriers that specialize in non-standard and high-risk drivers, including those who need an SR-22 or FR-44 filing, have a recent DUI, multiple tickets, a lapse in coverage, or an at-fault accident. A licensed agent can walk you through state filing requirements and find the most affordable carrier for your situation.

Uninsured motorist (UM) and underinsured motorist (UIM) coverage pays for your injuries and property damage when the at-fault driver has no insurance or not enough insurance. It is one of the most important and affordable coverages you can add. Roughly 1 in 8 U.S. drivers is uninsured, so most agents strongly recommend matching your UM/UIM limits to your liability limits.

Most drivers complete the Insurancy form in about 2 minutes, then a licensed agent contacts you with side-by-side quotes from multiple carriers. From start to bound coverage is often 15 to 30 minutes total. If you have your current declarations page handy, your agent can quote the exact same coverage so you compare apples to apples.

Yes, and you usually should. Bundling auto with home, condo, or renters insurance through the same carrier commonly saves 10% to 25% on both policies. Most major carriers offer multi-policy discounts, and your Insurancy agent can quote bundles automatically when you ask.

No. Insurancy does not sell, rent, or share your contact information with third-party lead aggregators. The only people who will contact you are licensed insurance agents from Insurancy, and only to help with the quotes you requested. If you ever want us to stop, just say so.

No. Carriers use a soft credit-based insurance score for rating, which does not affect your traditional credit score. You can shop quotes as often as you like without any impact on your credit report or FICO score.

It helps to have your driver’s license number, the year, make, model, and VIN of each vehicle, the names and dates of birth of any other household drivers, and a copy of your current policy declarations page if you have one. None of this is required to start, but having it ready speeds up the quoting process.

Any time. You are not locked into your current carrier. Most policies are month-to-month or 6-month terms, and you can cancel and switch at any point. Carriers typically prorate refunds, and your new policy can start the same day you cancel the old one. Your Insurancy agent handles the paperwork to make sure there is no lapse in coverage.