Compare auto insurance rates in just a few minutes
It’s the smart way to shop: pick the coverages you want, then compare car insurance rates for the exact same coverages at a handful of companies. It’s fast. It’s easy. It’s all online. Try it now to find your best rate. If you’re looking for even more savings, then check out our auto insurance discounts.
Compare all your car insurance options in the same place
Need new car insurance? This is the guide for you. Compare your coverage options and get car insurance rates from the top 40 insurers all in one place. Find the right coverage for any vehicle, including modified, vintage and classic cars plus motorcycles, motor homes, RVs and trailers.
What is car insurance and do I need it?
In simple terms, car insurance is a contract that you have with an auto insurance company where you pay a regular fee in exchange for the promise to pay for certain kinds of coverage in the event of an accident. The auto insurance company will cover medical fees and vehicle repair damages up to the amount in the insurance policy that you’ve signed up for.
In most parts of the United States, having car insurance is mandatory and required by law in order to drive. Every state except New Hampshire and Virginia sets minimum car insurance requirements for drivers. For example, liability coverage is required in most states and covers you if you’re at fault in an accident and need to pay for the resulting costs.
What does comprehensive coverage protect me against?
In addition to basic third party and liability insurance, you can also get additional coverage including collision and comprehensive. Choosing additional coverage can add a lot more value and protection for a small additional increase to your premiums.
How much does car insurance cost?
Your car’s make, model and year is the biggest factor in your insurance rates. Find car insurance quotes by car make and model.
What factors affect my insurance rates?
If you want cheaper insurance, you have to show insurers you’re a low risk driver. Studies have shown certain drivers pose more of an accident and claim risk, so they charge accordingly. You’ll see the cheapest rates for drivers with a newer car, low annual mileage, good credit score and no accidents or tickets. You can also keep costs down by keeping your car in a garage and paying premiums on time.
- The make, model, trim, age and value of the car you drive
- The estimated miles driven per year
- Your vehicle’s safety features and anti-theft devices
- Where you keep your vehicle
- The level of coverage and deductibles selected
- Your age, gender, marital status and location
- Your driving record and payment record
- Your credit score (except in California, Massachusetts and Hawaii)
- Whether you rents, leases or owns your vehicle
10 tips for getting cheap car insurance
No one wants to overpay for car insurance. And if you’re a young driver under 25, it can be especially difficult to find the best value car insurance.
The best way to save is by shopping around. In a study done in New York, the average driver can save up to $625 by switching car insurances. Insurance prices differ for all individuals based on age, driving history, credit history, car model etc. so it is best to always check with at least 2 or 3 providers before committing to a company. Here are ten ways to pay less than the average driver while still getting enough coverage.
Is it time to switch insurance?
You just got your insurance bill and your rates have gone up again, or you’re still waiting for that claim payout from an accident months ago. Sometimes car insurance companies drop the ball, so you’re thinking of finding someone with better support and prices.
Cancelling insurance is easier when you’ve just had what’s called a life change event. You might be able to shop around for a better rate if you’ve just celebrated one of these milestones.
- Your policy is about to be up for renewal
- You change cars or drivers
- You got married or got your college diploma
- You move to a different address
- You’ve just celebrated a birthday (especially your 25th birthday)
- Your driving record has changed
- Your credit score has improved
How switching car insurance can save you hundreds
If cost is your main priority, switching car insurance could be one of the best ways to save. Compare how much price differs between insurers with sample quotes for California drivers.
Why canceling your insurance isn’t as hard as it sounds
Switching insurance can take some time to find the right company and get your old policy canceled, but many companies let you simply mail in your cancellation notice and don’t even charge a fee.
Every provider’s cancellation policy is a little different, so it pays to check out comprehensive guides for canceling insurance with your current provider. Generally, you can expect the process to play out like this.
- Find a new provider. Compare car insurance policies side by side to find the best insurance for you. Consider price and discounts but also what features you need in a policy and how much coverage you want.
- Set up your new policy. Plan for your new policy to start on the same day your old policy is canceled. You’ll receive a letter of confirmation from your new insurer, and then you’re safe to cancel your old policy.
- Cancel your old policy. Find out any fees or refunds you might be facing. Mail in your notice or cancel by phone, app, email or online account. You should get written confirmation from your old provider that your insurance has been canceled.
- Profit! Put your new insurance card in a safe place, and then enjoy the benefits of switching to a better policy. Now treat yourself to something nice.
How to compare car insurance quotes
Before you buy auto insurance, here are some things you can do to save more.
When comparing prices, make sure you know exactly what’s included in your policy. Carefully check the coverage, deductibles and liability limits. While it’s always nice to save money, a lower-priced policy might cost you more in the long run if you discover later that it doesn’t have enough coverage for you and your family. Look for the insurance coverage that best matches your needs, not necessarily the one that costs less.
Check car insurance rankings
Before you buy or lease your next car, look at car insurance ranking lists to find popular vehicles with the best insurance value. Cars with lower-than-average insurance rankings are generally less expensive to insure.
Get a multi-product discount
Some car insurance companies offer a discount when you buy two or more products from them, such as home and car insurance, including The Co-operators.
Raise your deductible
The deductible is the amount you choose to pay for damages to your vehicle before your insurance kicks in. For example, if your deductible is $500 and you have $2,000 worth of damage, you’ll pay the first $500 of the car repair cost and your insurance company pays the rest.
Raising your deductible just a few hundred dollars could save you a lot of money. It typically costs less to pay a little more for a minor repair than to pay a higher premium over time.
Get less coverage on your older car
If you have an older car, you may not need Collision and Comprehensive coverage. Compare the cost of the insurance with what the car is worth. Auto dealers and banks can tell you the worth of a car, or look it up online on autoTRADER.
Take advantage of group insurance
Include group insurance plans as you compare car insurance quotes to find more discounts. Some employers, professional, business or alumni groups and other associations offer group plans for discounts on insurance rates.
Be a safe driver
Most car insurance companies offer better rates to clients who haven’t had any accidents or traffic violations for a number of years.
Drive a hybrid car
Do you drive a hybrid car? You’re eligible for an automatic five percent discount on your Co-operators car insurance premiums.
Other ways to save
Depending on where you live in Canada, you could get discounts if you:
- Install an anti-theft device in your car
- Insure more than one vehicle with the same company
- Have more vehicles and fewer drivers
- Renew your insurance with the same company
- Switch to four winter tires each year
Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.
Fortunately, calling round dozens of insurers for a quote has been consigned to history — with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.
- Find the cheapest car insurance groups
- Rummage around in the Car insurance garage
How to get a car insurance quote
If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.
Next, you’ll need to let us know:
- Your car’s value
- How much no-claims bonus you’ve amassed
- Your annual mileage
- Usage — social, commuting or business
- Your occupation
Quotes that cater to you
Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:
- Choose your voluntary excess
- Opt to protect your no-claims bonus
- Decide whether to pay monthly or annually
Change any of these and you’ll get a fresh set of prices to fit your new answers.
Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.
You don’t need to take our word for it either — when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.
Need to know more about car insurance?
We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.
Did you know…?
- 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums
- 32% of drivers have been with their current insurer for three years or more
Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.
There’s also plenty to read and delight on wider motoring issues.
Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips — peruse at your leisure.
Getting started with our car insurance comparison tool
What details do you need to get car insurance quotes?
To get car insurance quotes and start comparing, you’ll need to be able to tell us:
- Your car registration number – if you don’t have it to hand, simply click ‘Find car by make and model’
- Your expected annual mileage figures
- Where your car’s parked during the day and night
- What you use your car for, e.g. commuting, business use
- Your main driving licence details
Compare car insurance deals with uSwitch
uSwitch is a free, impartial comparison and switching service – we’re not affiliated to any one insurer and we’ll only ask you for information that will help us get you the most accurate possible quotes.
How to get cheap car insurance
While there are many factors you can’t control when it comes to the cost of cover, there are some simple measures you can take to keep the cost down in your search for very cheap car insurance, including:
- Paying a higher voluntary excess (the extra amount you’d pay in the event of a claim)
- Limiting who drives your car to just yourself, or you plus a named driver
- Parking your car in a garage or driveway away from the street
- Keeping your mileage low (doing less than the average of 8,000 miles per year according to the National Travel Survey)
- Fitting a security device such as an alarm, tracker, or immobiliser
For more ideas on how to reduce your insurance costs, read our car insurance guides.
Why do you need car insurance?
Car insurance is a vital element and legal requirement of using a car in the United Kingdom. It protects you and your vehicle against the financial burden of road accidents and covers you against injuries and damage to other drivers and property.
In accordance with the Road Traffic Act 1988, all drivers require insurance. Driving without insurance is punishable by a fine of up to £5,000 and six to eight points on your licence
How to get cheaper car insurance
Most people want to save money on their car insurance, and while many factors are out of your control while applying for insurance – like your age – there are some actions that can help reduce how much you pay, such as:
- Choosing a less expensive car
- Keeping your mileage low
- Parking your car in a garage rather than on the street
- Limiting the number of people who use the car
- Driving safely and avoiding speeding fines
- Protecting your no claims bonus
- Installing a security device such as an alarm
Alongside these actions, shopping around for car insurance is another key method of keeping costs down. Premiums can vary greatly, despite your personal circumstances, so using a comparison tool can help you find the best deal.
What is no claims bonus?
No claims bonus can have a dramatic impact on how much you pay for car insurance – but what exactly is it?
No claims bonus (or no claims discount) is accumulated for every day insured drivers don’t make a claim. For each claim-free year, motorists will enjoy a discount on the next year of their car insurance. Accidents that require an insurance claim to be made – even if the accident isn’t your fault – will most likely affect your no claim bonus.
How black box insurance works
Black box policies involve a system that’s installed onto your vehicle to monitor driving ability, which includes speed, acceleration, the time and frequency you drive, and your general care and caution on the road.
Also called ‘telematics’ policies, these kinds of policies are typically better suited to young drivers who may be required to pay more for cover due to age, even if they are careful. Black box policies allow younger drivers to prove to insurers that they are capable drivers and reap the rewards of lower premiums.
What is car insurance?
- Compulsory Third Part (CTP): Covers damage to other people. It is compulsory to have CTP insurance in order to register your vehicle.
- Third Party Property (TPP): Covers damage to other people’s property or car, and damage to other people.
- Third Party, Fire and Theft: Covers damage caused to your own car caused by fire or theft, damage to other people’s property or car, and damage to other people.
- Comprehensive: Covers damage caused to your own car by crash accidents and a wide range of insured events (e.g. natural disasters, fire, and theft), damage to other people’s property or car, and damage to other people.
Car insurance is designed to protect your finances if something an insured event happens connected to you owning or driving a car. We’re used to spending a lot of time picking out which car we want to buy, but we should also spend as much time finding the right car insurance for that vehicle.
Choosing the car insurance that’s right for you will depend in part on your budget. Ideally, though, you should look for the best cover you can comfortably afford.
Start your search by comparing car insurance policies on our website or downloading our free Car Insurance Star Rating Report.
How Canstar compares car insurance
Canstar compares car insurance with our unique, sophisticated car insurance star ratings methodology, comparing both pricing and features to determine the overall value of an insurance product. The results are reflected in our consumer-friendly 5-star concept, with a 5-star rating signifying that an insurance policy offers outstanding value.
Some of the features Canstar compares for car insurance are:
- After accident care – towing, taxi fares, and emergency accommodation cover
- Repairs conditions – excess charged, choice of repairer, and cover for replacement parts
- Windscreen cover
- Rental car available during repairs (complimentary)
- Roadside assistance available (complimentary)
- Customer satisfaction ratings
Check what else you need to consider when choosing car insurance here.
You can read the full car insurance star ratings report or compare car insurance yourself, based on your own requirements, using the comparison selector tool at the top of the page.