Marketplace · 100+ carriers
4.7
Compare 100+ insurers
Free · No obligation · Soft pull
Save money on car ownership. In 2 minutes.
Compare insurance, loans, refinancing, and warranties — all in one place.Compare auto insurance quotes, explore car loan options, refinance your current loan, and lower hidden car costs — all in one place. Free. Soft credit pull options. No spam calls.
Average U.S. savings
$1,018
Insurance
$1,517
Refinance
Soft credit pullSoft credit pull options
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Discover how much you could save before your next payment.
Updated Jun 29See methodology
Providers we'll compare
The ZebraLendingTreeCaribouProgressiveGEICOAllstateState FarmRocket LoansAutoPayLiberty MutualPenFedCapital OneThe ZebraLendingTreeCaribouProgressiveGEICOAllstateState FarmRocket LoansAutoPayLiberty MutualPenFedCapital One
Live · CarSavr activity
Real-time aggregates from public data sources, CarSavr analytics, and our partner network.
62
Drivers compared offers
This past 7 days
36
Carriers + lenders audited
Live in our rubric
$1,100/yr
Average annual savings
Per Insurify, based on initial quotes from 151,494 customers (2026)
New · 2-minute multi-vertical tool
See your Savings Opportunity Score across 3 verticals
One 2-minute wizard tells you what you're overpaying across insurance, auto-loan refinance, and extended warranty — in dollars per year. No email gate. No spam calls. Just the number.
Get my Savings Score Free · Anonymous · 100% in your browser
Insurance
Refinance
Warranty
No competitor combines all three in one flow.
What we help with
Four ways to keep more of your money.
Compare auto insurance quotes, find the best auto loans, run the auto loan refinance math, and price an extended car warranty — we show where real savings may exist.
Free tools · no signup
Run the numbers before you decide.
13 free auto loan, refinance, and insurance calculators to estimate payments, compare savings, and understand the true cost of car ownership — no signup required.
See all 13 calculatorsAuto Loan Calculator
Get your real monthly payment and total interest in seconds.
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Auto Refinance Savings Calculator
See how much you save by refinancing your current car loan.
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Car Affordability Calculator
How much car can you really afford based on your income?
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Total Car Ownership Cost Calculator
The true monthly + annual cost across depreciation, fuel, insurance, maintenance, and tires.
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Insurance Cost Estimator
Estimate your annual auto insurance premium in 30 seconds.
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Auto Insurance Increase Calculator
See how much your premium went up — and whether it may be worth comparing.
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Trade-In Value Estimator
Ballpark your trade-in value before walking into the dealer.
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Lease vs. Buy Calculator
Compare the 5-year real cost of leasing vs financing the same car.
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Bi-Weekly Payment Calculator
See interest saved + months cut off by paying bi-weekly instead of monthly.
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Title, Tax & Fee Calculator
Estimate the real out-the-door price with sales tax, title, registration, and dealer fees.
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Total Interest Paid Calculator
Compare 48 vs 60 vs 72 vs 84-month terms — see how much interest you actually pay.
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Insurance Premium Predictor
Predict your annual auto insurance premium based on age, credit, record, and state.
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Is an Extended Warranty Worth It Calculator
Run the break-even math on any extended warranty quote — see if a typical buyer recovers more than they pay.
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Full index
Browse all 13 calculators
Grouped by Loans, Insurance, Buying & Ownership, and Warranty — each with formula-grade methodology + inline output previews so you know what you'll get before opening the tool.
Open the index
Live estimate
See where your car costs could come down.
Adjust the sliders to estimate potential savings on insurance and loan payments — in seconds.
● Your inputs
Drag any slider · totals refresh live
$180/mo
$22,000
9.0%
Estimated annual savings
$698Insurance
$389Refinance
$309Prime refinance window. APRs at or above 9% on a balance this size sit in the strongest refinance band — most borrowers cut their rate by 2 percentage points or more.
Based on national averages · Updated quarterlyHow we estimate →
Free · 2 min · Soft credit pull · No spam
Personalized savings playbook
5 moves to actually capture your projected savings
- 1
Re-shop your insurance with 4+ carriers in one sitting — drives 80% of the insurance lane savings.
- 2
Pre-qualify with 3 refinance lenders via soft pull — no impact to your credit score.
- 3
Audit your insurance mileage band + deductible — two settings most drivers never revisit.
- 4
Run the refi break-even — closing costs vs. monthly savings …
- 5
Lock both wins in writing before your renewal date — the sav…
State pricing · 50 states + D.C.
See how much your state pays for car insurance.
Crossing a state line can shift your full-coverage premium by $1,000+ per year — even with the same carrier and the same driving profile. We track the average in all 50 states + D.C. so you can spot the gap before you renew.
Cheapest state
$1,000/yr
Maine
National average
$1,789/yr
50 states + D.C.
Most expensive state
$2,925/yr
Michigan
Rates by state
See how rates stack up.
Where you live is the biggest single factor in your car insurance bill. Weather risk, no-fault statutes, uninsured-driver rates, and minimum coverage all swing the average. Click your state to see local averages and the fastest ways to cut your bill.
Annual full-coverage average
<$1.5k$1.5k–2k$2k–2.5k$2.5k–3k>$3k
Averages from public DOI filings + aggregated quote data. Tap any state to see how to save in your local market.
View 50 states + D.C.Click a state · drag to pan · use the controls to zoom
State averages reflect 2024 full-coverage premiums published by the National Association of Insurance Commissioners (NAIC) and state Department of Insurance filings. We update this dataset quarterly. Switch your ZIP above to localize the comparison tables to your state.
Comparison shelf
Editor-rankedTwo rubrics, one place. Switch between the insurance and auto-loan comparison views without leaving the page.
Auto insurance rate comparison
Find the cheapest auto insurance near you.
Major U.S. carriers and marketplaces scored on the same 4-factor rubric. Sort by lowest premium or highest editor score — no signup required.
Our rubric · 4-factor editor score
- Premium pricing35%
- Coverage & claims30%
- Customer reviews20%
- Discounts & tools15%
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Editor's pick · 2-min compare
The Zebra
≈2 min · Soft pullAffiliate offer
6 carriers shown, sorted by default editor's pick order.
Compare 100+ Insurers in one place
Marketplace · 100+ carriers
4.5
Best multi-quote tool
Free · No obligation · Soft pull
Marketplace · 100+ carriers
4.6
AI-driven personalized quotes
Free · No obligation · Soft pull
| Carrier | |||
|---|---|---|---|
1  Editor's pick | $136/mo $1,633/yr | Reviewed today | ≈2 min · Soft pullAffiliate offer NewStack 2–4 carriers side-by-side to compare premiums, coverage, and ratings at once. |
2  | $113/mo $1,353/yr | Reviewed today | ≈2 min · Soft pullAffiliate offer |
3  | $123/mo $1,471/yr | Reviewed today | ≈2 min · Soft pullAffiliate offer |
1
Editor's pick
Reviewed today
- Full coverage
- $136/mo$1,633/yr
- Liability-only
- $53/mo$632/yr
≈2 min · Soft pullAffiliate offer
2
Reviewed today
- Full coverage
- $113/mo$1,353/yr
- Liability-only
- $39/mo$467/yr
≈2 min · Soft pullAffiliate offer
3
Reviewed today
- Full coverage
- $123/mo$1,471/yr
- Liability-only
- $47/mo$568/yr
≈2 min · Soft pullAffiliate offer
Premium data: 2024 national-average annual premiums published by Quadrant Information Services from state-DOI rate filings. Sample driver: 35-year-old · clean driving record · $100/$300/$100 full coverage · $1,000 deductible · median ZIP code. Your actual quote will vary based on age, ZIP, driving record, vehicle, credit, and coverage selections. CarSavr may earn a commission when you buy a policy through our links — it never affects how we rank carriers.
Provider logos and trademarks belong to their respective owners and are used for identification purposes only. Providers shown for comparison and educational purposes — display does not imply partnership unless an active affiliate relationship is stated separately.
How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →
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Common questions
Straight answers.
Clear guidance.
Answers to common questions about auto insurance, car loans, warranties, and car ownership costs — written to help you make smarter decisions.