Compare Quotes
Line up to three auto insurance quotes side by side. The tool turns every price into a yearly and monthly cost and flags coverage differences, so you compare the same protection.
Your quotes
Enter each quote as it appears on the offer. The example values are illustrations, not typical rates. Leave the premium blank for any quote you do not want to include.
Pick the quote with the coverage you want, often your current policy or your first choice. The other quotes are checked against it.
Premium is the total price for the whole term, not a monthly installment. Fees are installment, policy or other charges not already in that price. Enter liability limits as shown on the quote, such as 100/300/100, or one number for a combined single limit.
Side by side
| Enter a premium for at least one quote to see it here. |
Yellow cells differ from the coverage you are matching. The green cell marks the lowest yearly cost among quotes with the same coverage.
Your comparison
Insurer B has the lowest yearly cost among the quotes with the same coverage, about $125 a month.
- Insurer A (coverage to match)
- $1,560 a year
- Insurer B (same coverage)
- $1,500 a year
- Insurer C (different coverage)
- $1,380 a year
Six-month premiums are doubled to show a yearly cost. The price for the second six months can change at renewal.
How the comparison works
Quotes often arrive in different shapes. One insurer prices six months, another prices a full year, and one adds an installment fee the others leave out. The tool puts every quote on the same footing in two steps.
First, it converts each price to a yearly and monthly cost.
Yearly cost = (premium + fees) × 12 ÷ the number of months in the term. Monthly cost = yearly cost ÷ 12.
A six-month premium of $780 becomes $1,560 a year, or $130 a month. Because a six-month policy is repriced at each renewal, the yearly figure is an estimate of what a full year would cost at today's price.
Second, it checks the coverage. Each quote is compared with the one you choose under "Coverage to match." The tool looks at liability limits, the collision and comprehensive deductibles, uninsured motorist coverage and three common extras: rental reimbursement, roadside assistance and gap coverage. A quote counts as having the same coverage only when every one of those items matches. The lowest yearly cost among those quotes is highlighted, and any quote that differs is flagged with the reasons.
Before you enter your quotes
- Use the total premium for the term. If a quote only shows a monthly payment, ask for the full-term price, since installment plans can include a down payment and fees.
- Copy liability limits exactly. In 100/300/100, the numbers are thousands of dollars for injuries per person, injuries per accident and property damage. The Coverage Levels Guide explains how to read them.
- Choose "Not included" for collision or comprehensive if a quote leaves that coverage out.
- Make sure every quote is for the same drivers, vehicles and start date. The Rate Checklist lists what to give each insurer or agent.
What the flags mean
A flag is not a verdict on the insurer. It tells you the price is buying something different:
- Lower liability limits can make a quote look cheaper while leaving you responsible for more if you cause a serious accident.
- A higher deductible lowers the premium but raises what you pay after a claim. The Deductible Calculator shows whether that trade is worth it.
- No uninsured motorist coverage means you rely on your own health coverage and savings if a driver with no insurance, or too little, injures you.
- A missing extra, such as rental reimbursement, usually has a smaller effect on price, but it can matter a great deal if you have no second car.
If a quote shows "Adds" or "Lower deductible," it includes more than the coverage you are matching. That quote may be a better value, but confirm the details with the insurer or agent before you count on it.
What the tool does not check
To keep the comparison quick, the tool leaves out details that can still matter: the limits on uninsured motorist coverage, medical payments or personal injury protection amounts, the daily limit on rental reimbursement, what roadside assistance includes, exclusions, repair part rules and how each company handles claims. Our Compare Policies guide walks through those items and how to research the company behind the price.
When the lowest price has different coverage
Ask that insurer or agent to price the same limits, deductibles and extras as your other quotes, then enter the new number. If it is still the lowest, you have found a real saving. If the price rises to match the others, the difference was in the coverage, not the company. Either way, you are choosing on purpose.
Before you switch: set the new policy to start on the day the old one ends, and cancel the old policy only after the new one is in force, so you are never without coverage.
Your next step
Not sure which coverage to match? The Coverage Needs Worksheet helps you decide which coverages matter for you, and the Coverage Calculator estimates liability limits from your own numbers. To fit the winning quote into your monthly spending, try the Budget Calculator. If you would like help lining up offers, every plan on Start Your Coverage includes quote comparisons prepared with our tools.
This tool gives general estimates from the numbers you enter. It is not a quote, and it is not advice about any policy or insurer. AutoAssures.com is not an insurance company. Actual prices, coverage and terms come only from licensed insurers and agents and depend on your state and circumstances.
Your freedom on the road starts with the right coverage
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