The Zebra
Marketplace · 100+ carriers
4.7
Compare 100+ insurers
Free · No obligation · Soft pull
Get Free QuoteSave money on car ownership. In 60 seconds.
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
$211
Insurance
$711
Refinance
Free · 60 sec to compare
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Discover how much you could save before your next payment.
—/year
Average Insurance Savings
—
Potential Refinance Savings
— Seconds
Average Comparison Time
Updated Jun 3See methodology
Providers we'll compare
The ZebraLendingTreeCaribouProgressiveGEICOAllstateState FarmRocket LoansAutoPayLiberty MutualPenFedCapital OneThe ZebraLendingTreeCaribouProgressiveGEICOAllstateState FarmRocket LoansAutoPayLiberty MutualPenFedCapital One
Live · CarSavr activity
Real-time aggregates from our database — no marketing math, no smoothing. Updated continuously.
15
Drivers compared offers
This past 7 days
25
Carriers + lenders audited
Live in our rubric
$487/yr
Average annual savings
Per Insurance Information Institute, 2024
What we help with
Four ways to keep more of your money.
We help drivers compare insurance, loan, and warranty options — and show where real savings may exist.
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Run the numbers before you decide.
Use free calculators to estimate payments, compare savings, and understand the true cost of car ownership — no signup required.
Auto 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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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 →
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…
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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
Two rubrics, one place. Switch between the insurance and auto-loan comparison views without leaving the page.
How CarSavr ranks auto insurance
Find the cheapest auto insurance near you.
We score every major U.S. carrier and marketplace against the same 4-factor rubric — published premiums, claims reputation, verified-buyer satisfaction, and discount depth. Sort by lowest premium or highest editor score to see where you may be overpaying. No signup required.
Our rubric · 4-factor editor score
Updated quarterly · sources cited per carrier reviewPremium pricing 35%
Weighted highest because it is the only factor that directly translates into monthly cash savings.
Coverage & claims 30%
Payout speed + dispute rates from NAIC + AM Best data — cheap premiums mean nothing if claims stall.
Customer reviews 20%
Verified-buyer satisfaction from JD Power + Trustpilot — controls for support quality across 100k+ policies.
Discounts & tools 15%
Telematics, multi-policy, and good-driver discount depth — where most drivers leave money on the table.
Premium pricing and claims reputation carry the most weight because they're the two factors that materially change your bottom line — your monthly check, and what gets paid out when something goes wrong. The table mixes the eight direct carriers we audit (Progressive, GEICO, State Farm, Allstate, USAA, Nationwide, Farmers, Liberty Mutual) with two marketplaces (The Zebra, LendingTree Insurance) so you can compare apples-to-apples direct quotes against marketplace-shopped quotes in one view.
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.
Updated Jun 3, 2026
2,400+ compared this weekTop auto insurance carriers we've audited
Compare 2024 national-average premiums (full coverage + liability-only) across every major U.S. carrier we audit — Progressive, GEICO, State Farm, Allstate, USAA, Nationwide, Farmers, and Liberty Mutual — plus the two leading insurance marketplaces, The Zebra and LendingTree Insurance. Switch your state in the filter above to localize premiums to your ZIP.
Comparing 10 audited carriers· Premiums verified Jun 3
Data last reviewed . Source: CarSavr editorial methodology.
Free to compare · No obligationHow we score
Compare 100+ insurers in one form
LendingTree Insurance
Marketplace · 100+ carriers
4.5
Best multi-quote tool
Free · No obligation · Soft pull
Get Free Quote| Carrier | Full coverage | Rated | |
|---|---|---|---|
1  Editor's pick | $136/mo $1,633/yr | Reviewed today | Free quote · No spam · 60-second compare NewStack 2–4 lenders side-by-side to compare APR, terms, and scores at once. |
2  | $113/mo $1,353/yr | Reviewed today | Free quote · No spam · 60-second compare |
3  | $123/mo $1,471/yr | Reviewed today | Free quote · No spam · 60-second compare |
 | $176/mo $2,108/yr | Reviewed today | Free quote · No spam · 60-second compare |
1Editor's pick
Reviewed today
- Full coverage
- $136/mo$1,633/yr
- Liability-only
- $53/mo$632/yr
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
Free quote · No spam · 60-second compare
2
Best overall value
Reviewed today
- Full coverage
- $113/mo$1,353/yr
- Liability-only
- $39/mo$467/yr
Consistently cheapest national carrier for clean-record drivers under 65. App + online flow is the smoothest in the industry — most users get a binding quote in under 8 minutes without speaking to an agent. Military / federal employee discounts stack with the standard multi-policy save.
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3
Best for bundled discounts
Reviewed today
- Full coverage
- $123/mo$1,471/yr
- Liability-only
- $47/mo$568/yr
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
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Best for accident forgiveness
Reviewed today
- Full coverage
- $176/mo$2,108/yr
- Liability-only
- $61/mo$735/yr
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
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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.