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Top Insurance Providers Compared

Updated weekly with real rates. Click any provider to get your personalized quote.

Provider	Avg. Monthly Rate	Coverage	Rating	Best For	Action
PM Progressive	$67/month	Liability	★★★★★4.9	New drivers	Get Quote →
GK GEICO	$72/month	Liability	★★★★★4.8	Affordable rates	Get Quote →
SF State Farm	$89/month	⭐ Best Value	★★★★★4.7	Full coverage	Get Quote →
AL Allstate	$94/month	Full Coverage	★★★★4.5	Bundled policies	Get Quote →
LM Liberty Mutual	$101/month	Full Coverage	★★★★4.4	Customizable plans	Get Quote →

ⓘ Rates are estimates for a 35-year-old driver with good credit. Your actual rate may vary. See full disclaimer. Last updated: April 2026.

Provider	Avg. Annual Premium	Dwelling Coverage	Rating	Best For	Action
LM Lemonade	$890/year	$250K+	★★★★★4.9	Digital-first buyers	Get Quote →
SF State Farm	$1,140/year	$300K+	★★★★★4.8	⭐ Best Value	Get Quote →
AL Allstate	$1,220/year	$350K+	★★★★4.6	Bundle discounts	Get Quote →
US USAA	$980/year	$300K+	★★★★★4.9	Military families	Get Quote →

ⓘ Rates are estimates for a median US home ($300K value). See full disclaimer. Last updated: April 2026.

Provider	Avg. Monthly Premium	Deductible	Rating	Plan Type	Action
BC Blue Cross	$312/month	$1,500	★★★★★4.8	⭐ Best Value PPO	Get Quote →
KA Kaiser	$285/month	$2,000	★★★★★4.9	HMO	Get Quote →
UN United Health	$340/month	$1,200	★★★★4.5	PPO	Get Quote →

ⓘ Rates are estimates for a 35-year-old non-smoker in California. See full disclaimer. Last updated: April 2026.

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Consumers who compare at least 3 quotes before buying save significantly more than those who accept the first offer.

Insurance Tips & Guides

Expert guides to help you find the best coverage at the lowest price.

Common Questions

Frequently Asked Questions

How do I get the best homeowners insurance quote? +

To get the best homeowners insurance quote, compare at least 3–5 providers, maintain a good credit score, bundle with auto insurance for discounts, and increase your deductible if you can comfortably afford the out-of-pocket risk. Our comparison tables above show the top providers updated weekly.

What is the most affordable car insurance? +

GEICO and Progressive consistently offer the most affordable car insurance for most drivers. However, rates depend on your age, location, driving record, and coverage level. Comparing 3+ quotes is the only reliable way to find your personal best rate.

Does comparing insurance quotes affect my credit score? +

No. Comparing insurance quotes online uses a “soft pull” on your credit (if any check is done at all), which does not affect your credit score. Only finalizing a policy application may involve a hard inquiry, and only with some providers.

How often should I compare insurance rates? +

We recommend comparing insurance rates once a year, and definitely before your policy renewal date. Major life events — moving, buying a car, getting married, or improving your credit score — are also good triggers to shop around.

What is the difference between liability and full coverage car insurance? +

Liability car insurance covers damage you cause to others in an accident. Full coverage adds collision (damage to your own car in accidents) and comprehensive (damage from theft, weather, etc.). Full coverage costs more but protects your own vehicle as well.