Best Car Insurance Comparison Sites: 5 Sites to Help You Save Money

In today’s digital world, finding the right car insurance provider can be overwhelming. There are countless companies and policies, and they all offer different levels of car insurance coverage and rates. To make sure you get the best value for your money, it's important to compare policies from various providers.

Fortunately, car insurance comparison sites make this process much easier than it once was. In this article, we'll look at the best car insurance comparison sites and how they can help you find the right auto insurance policy.

How we evaluate products

In determining the best car insurance comparison sites, we started by researching potential options and their key features. We then went through the entire quote process on each website to see how easy it was to use and what kind of quotes it provided. We narrowed down our list to those comparison sites that were easy to use, provided legitimate car insurance quotes, and that we felt could help our readers effectively shop for car insurance policies. Note that we did not review all car insurance comparison sites.

The best car insurance comparison sites

Car insurance comparison sites provide a simple and straightforward way to easily check out quotes and coverages from different insurance companies. If you were to go to each individual insurance website yourself to do research, it would take a lot more time. Taking advantage of a car insurance comparison site can help you lower your car insurance premiums and find cheap car insurance.

Here are our recommendations for the best car insurance comparison sites:

• Gabi
• Insurify
• Jerry
• The Zebra
• Compare.com

	Best for…	Number of quotes we received
Gabi	Number of quotes	9
Insurify	Customer satisfaction	6
Jerry	Variety of services	5
The Zebra	Number of partners	4
Compare.com	Customized quotes	3

Gabi

Site Details

• Number of insurance partners: 40+
• Quotes received: 9
• Trustpilot score: 3.5

Gabi is newer to the car insurance scene — it was founded in 2016 and was acquired by Experian in 2021. However, it’s quickly become a top contender among other car insurance comparison sites.

Gabi’s site was relatively easy to use — we were able to see our quotes in just a couple of minutes. Gabi provided more quotes than any other provider, even though it actually has fewer insurance partners. More importantly, it was among the only companies that showed us quotes from major carriers like Progressive and GEICO, while others showed us lesser-known insurers.

Gabi’s website claims that users save an average of $961 per year. And while we can’t confirm whether that’s true, we definitely noticed some of the quotes we received were lower than other sites. We also like that Gabi allows you to get on the phone with one of the company’s licensed insurance agents at any time if you're having trouble with the process.

Insurify

Site Details

• Number of insurance partners: 100+
• Quotes received: 6
• Trustpilot score: 4.8

Insurify is one of the most popular car insurance comparison sites, and it’s easy to see that in its overwhelmingly positive user reviews.

Insurify has three options to shop for insurance: do it yourself, get the assistance of a live agent, or get full service by working with an agent on staff. Its online quote process was easy and fast to use. Insurify has more than 100 insurance partners and we were pleased with the number of quotes we got.

Insurify’s quotes are easily customizable, and it claims that the average shopper saves about $852 per year on insurance. Insurify also has a no-spam policy, so you don’t have to worry about it selling your information.

Jerry

Site Details

• Number of insurance partners: 50+
• Quotes received: 5
• Trustpilot score: 4.0

Jerry is unique because it’s not just a car insurance comparison site — it’s a full-service app for car owners. You can use Jerry to shop for car insurance, loans, and repairs. It even has an auto-shop feature where it gets new quotes based on your information every six months.

It currently has more than 50 insurance partners, but claims to add about 10 more every year, so you could get new and better quotes each time, and switch car insurance companies when you find a better deal.

Jerry’s DriveShield feature tracks your driving, gives you a driving score, and could help you qualify for more discounts based on your driving. And its GarageGuard feature offers a car maintenance schedule, lets you know about any recalls on your car, and can help you diagnose car issues, estimate repair costs, and find a trusted shop for repairs.

Our only complaint about Jerry is that once we completed the online quote form, we had to download and log into the app to see our quotes. We couldn’t see them on the website.

The Zebra

Site Details

• Number of insurance partners: 100+
• Quotes received: 4
• Trustpilot score: 4.4

The Zebra is one of the most well-known online comparison sites and has partnerships with more than 100 insurance providers — that’s more than most of its competitors. The Zebra is one of the easiest free comparison sites to use. The design is intuitive and helpful. We liked that it showed discounts you might be eligible for based on the information you’re providing.

The Zebra promises not to spam your phone or email after you complete the quote form. Unfortunately, that’s not the case with all comparison sites. We also liked that The Zebra allowed you to see quotes in three different options: minimum coverage, better coverage, and the best coverage. That made it even easier to compare rates.

We also like that The Zebra has licensed agents on staff, so you can call them during the quote process for help buying a policy or just to ask questions.

Compare.com

Site Details

• Number of insurance partners: 75+
• Quotes received: 3
• Trustpilot score: 3.9

Compare.com is another popular car insurance comparison site, and we found it the most helpful for customizing your quotes based on coverage level.

Other sites either require you to edit your quote to customize it or simply offer a “minimum, better, best” feature. Compare.com, on the other hand, allows you to customize your quote by choosing from several different coverage levels and setting your deductible. This added customization ensures your quote will be as accurate as possible.

We also appreciate Compare.com’s robust library of educational resources. Anything you want to learn about car insurance, you can learn it on Compare.com’s website.

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Why you should compare car insurance companies

Comparing car insurance companies is an important part of finding the best coverage and the lowest rates. Not all car insurance policies are the same, and there can be significant differences in the coverage offered, as well as the rates available. Comparing car insurance companies allows you to find the right coverage for your vehicle and lifestyle at the best possible price.

Before diving into the process, you should also understand what affects the rates these comparison companies are showing you. These factors can include:

Driving record

Your driving record is a key factor when setting an insurance rate, as it reflects your past driving behavior and potential risk to insurers. A clean driving record (e.g., not having speeding tickets, DUIs, at-fault accidents) typically results in lower rates.

Age

Older drivers typically are more experienced than younger drivers and statistically have fewer accidents, which can result in lower insurance rates. Young drivers, on the other hand, tend to be higher risk because they don't have a lot of experience driving, so they typically pay higher rates.

Gender

Insurers use gender as an indicator of the likelihood of risky behavior, and the rate you get may vary depending on your gender. Statistically, men engage in more risky driving behavior than women.

Vehicle

Insurance costs can vary depending on the make and model of the car you drive. Again, it’s all dependent on stats. Certain vehicles have more safety features while others are more frequently involved in accidents. New cars are often more expensive to insure than older ones because they cost more to repair.

Location

Your ZIP code is one of the main factors insurers use to determine rates, as it reflects the amount of risk associated with a particular area. Areas with more vehicle thefts or accidents are likely to see higher rates since the likelihood of making a claim is higher.

Credit score

A good credit score may result in lower rates in most states. If you have poor credit, it may be worth the effort to increase your score. California, Hawaii, Massachusetts, Michigan, and Washington don’t allow insurers to use your credit score to determine rates.

Discount eligibility

Many different companies offer discounts to drivers with good driving records; young, reliable drivers; and policyholders who bundle their policies.

How to compare car insurance quotes

Comparing car insurance quotes is a fairly simple task that only involves a few steps. In general, you’ll go through the following process:

1. Gather all the necessary information

Before you begin comparing quotes, make sure you have all the information you need on hand. This includes vehicle information like the make, model, and year of your car, and your vehicle identification number (VIN). You’ll also need to provide information about your driving record, your current insurance coverage, your driver’s license number, and any special discounts you may qualify for.

2. Pick your comparison site to work with

Select a company and take a moment to enter all of the info you gathered before. And remember — you don’t have to pick just one company. Since most comparison tools are free to use, it never hurts to run the numbers through a couple of sites. One could show you a quote you like more than any of the other comparison sites offer.

3. Go right to the source

One trend we noticed when using these car insurance comparison sites was that most of them didn’t return quotes from major insurers like State Far, Progressive, GEICO, and others. While these companies aren’t right for everyone, they do have some major advantages, including often having some of the best rates. Unfortunately, you’ll completely miss out on those quotes if you only rely on car insurance comparison sites.

Yes, it adds a bit of extra work, but we’d still recommend going directly to a few of these major insurers for quotes to see how they compare to the other quotes you receive.

4. Read the details of each policy

Once you have collected quotes from different insurers, make sure to thoroughly read the details of each policy. This will help you understand what coverage you’re getting, what the deductibles are, and any other important information. Plus, you can make sure there are no hidden costs you’ll need to deal with.

Following these steps will help you make an informed decision about which car insurance policy is best for you. Just make sure your quotes compare the same types and amounts of coverage. Comparing apples to apples is the only way to really see which quote is the best option for your needs.

Types of car insurance

Almost every state requires a minimum amount of car insurance. Beyond these minimums, there are still tons of options for additional policies that protect you, your passengers, and other drivers on the road. These additional options include:

• Liability. This type of coverage helps to protect you in the event that you cause bodily injury or property damage to another person. Liability coverage usually covers the other party’s medical expenses. Liability insurance is the minimum coverage required in most states.
• Collision. Collision insurance provides coverage for your vehicle if you’re involved in an accident with another vehicle or object. It typically assists in covering the cost of repairing or replacing your vehicle, as well as any medical expenses that are associated with the accident.
• Comprehensive. Comprehensive coverage is designed to protect you in the event of theft, vandalism, natural disasters, and other non-accident-related damage to your vehicle.
• Personal injury protection (PIP). PIP is a type of insurance that helps to cover medical expenses and lost wages if you are injured in an accident.
• Uninsured motorist/underinsured Motorist Coverage. This type of insurance helps to cover you if you are injured in an accident and the other driver is either uninsured or underinsured.
• Gap insurance. Gap insurance covers the difference between what you owe and what your car is worth. If you total your car, your insurance company covers this difference.
• Roadside assistance. Roadside assistance can help in the event of a breakdown or other emergency.

FAQs

Is The Zebra a legit website?

Yes, The Zebra is a legitimate website and has provided over 18 million insurance quotes since it started in 2012. It's an online car insurance comparison website that allows you to compare rates from hundreds of different insurance companies and find the right policy for you.

What is the cheapest car insurance company?

Finding the cheapest car insurance company is tricky because the cheapest insurance option for you depends on many different factors. Your age, driving history, and the type of car you drive all affect your auto insurance rate.

How can I lower my car insurance fast?

While it’s not the absolute fastest method, the best way to save money on car insurance costs is to maintain a good driving record. Reckless driving statistically leads to a higher rate of accidents, which is likely to lead to higher auto insurance premiums. Plus, many companies offer discounts for safe driving.

Additionally, you may be able to lower your car insurance by increasing your deductible. Increasing your deductible means you will pay more out of pocket for repairs if you ever need to make a claim, but in exchange, you’ll pay lower monthly premiums.

You can also lower your rates by changing your coverage levels. You may want to lower your coverage limits, drop comprehensive and/or collision coverage, or no longer have full coverage, especially if you’re driving an older vehicle. Keep in mind that the less coverage you have, the more out-of-pocket costs you could face in the event of an accident.

If your state allows companies to consider your credit history, improving your credit by paying down balances and making on-time payments could also lower your rates.

Finally, you might be able to lower your car insurance prices by taking advantage of discounts. Many insurers offer a variety of discounts, such as good driver discounts, multi-policy discounts, and more. Be sure to ask your insurer about any discounts you may qualify for.

There are a couple of popular car insurance comparison sites that we explored for this list, but ultimately decided not to include them. These two sites, QuoteWizard and EverQuote, are often first of mind when people think of car insurance comparison. However, I didn’t find these sites to be particularly effective for getting quotes.

Instead, both sites provided just one or two recommended insurers and then redirected us to those providers’ websites to get quotes. While other people may have a better experience, I didn’t successfully get any quotes from either of these sites.

Bottom line

Finding affordable car insurance can be time-consuming. Car insurance comparison sites are a great way for drivers to quickly and easily compare the best car insurance companies available. They offer a variety of different tools, such as price comparison, policy comparison, and discounts, which can provide a comprehensive overview of the different insurance policies available.

Ultimately, car insurance comparison sites can provide drivers with an effective way to save time and money in their search for the best price on car insurance. We found Gabi, Insurify, Jerry, The Zebra, and Compare.com to provide the best overall results. However, it may also be worth getting quotes directly from a few major insurers, too.