FAQ

With Cwinsurance, you fill out a simple form, and our AI-powered comparison tool will pull your personalized quotes from our insurer partners. After you compare rates and choose a quote, you can buy your policy online or through one of our licensed insurance agents.

Our strict no-spam policy ensures that your personal details are always secure and private. We’ll never sell your data, so you won’t get spam emails or unwanted phone calls from shopping with Cwinsurance.

We’re not an insurance carrier. But we do partner with 120+ insurers. Cwinsurance is a digital insurance agent. We provide impartial information and the most accurate quotes so you can pick the insurance company that best fits your needs.

We are! Cwinsurance is a licensed agency in all 50 states. All our helpful agents are licensed too, so they can provide expert policy advice to customers across the U.S.

Like other comparison platforms, we earn a commission if you buy a policy through a quote we showed you on our website. We may also make money if you click on an ad on our website. But we don’t make money by selling your data. We want to make insurance shopping easier for you, not flood your inbox or voicemail with spam.

Cwinsurance has a higher rating, from more reviews, than any other insurance-comparison site. Cwinsurance has the highest rating on both Trustpilot, the most popular independent review platform, and the Better Business Bureau.

We collect reviews from people who successfully complete our car insurance quoting process and compare quotes. Our goal is to collect honest, current reviews from real people to help all insurance shoppers choose the right company for their needs.

We reach out to Insurify shoppers who switched to a new insurance company to:

1. Ask about their experience with their old insurer.

2. Understand why they decided to make the change.

3. Ask how they like their new insurance company.

Compared to other insurance-comparison sites, Cwinsurance has gathered the most real customer reviews. Cwinsurance has collected over 55,000 ratings and reviews of 120+ insurance companies from verified users and through our editorial team. We collect hundreds of reviews weekly and showcase them all in our Insurer Snapshots.

We don’t incentivize insurance shoppers to submit reviews, so users write all reviews voluntarily. We sort and process reviews to remove personally identifiable information and to present the most helpful responses.

Cwinsurance makes it easy to compare car insurance coverage, but you can also find homeowners insurance, life insurance, pet insurance, and bundling discounts with our comparison tool.

Insurance companies need to know about you and your vehicle to set your premium. We use a simple online form to ask for the information we need to compare car insurance quotes. Insurify protects these details, and you won’t get spam from comparing quotes.

To show you the most accurate auto insurance quotes, Insurify asks for the following information:

• Address: Most insurance companies use ZIP codes as a rating factor.

• Type of car: Your vehicle’s make, model, and year influence your auto insurance rate. 

• Credit score: Drivers with good credit typically have lower premiums than drivers with poor credit.

• Level of education: Some insurance companies offer lower car insurance premiums to policyholders with a college degree.

When you finalize your policy, we’ll also ask for your vehicle identification number (VIN) and driver’s license number. You’ll also need the license numbers for any other drivers in your household.

For homeowners insurance, we ask about your address, location-based risk factors, and type of home, including square footage, building materials, year built, roof age, and cost to replace your home. Your previous home insurance coverage and credit score also affect your premium.

To see life insurance quotes, you need to provide your gender, basic health information, and desired coverage limits.

Insurance companies base your rates on some common factors, like your age, gender, location, and driving history. But how they weigh those factors can vary a lot. Two separate insurers may serve up very different quotes for the same driver. Here’s an example of how quotes can vary among insurers for the same driver profile. These quotes are averages for drivers between 20 and 70 years old with a clean driving record and average or better credit.

The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$117	$55
GEICO	$155	$127
Progressive	$167	$104
The General	$200	$103
Liberty Mutual	$247	$177

Disclaimer: Table data sourced from real-time quotes from Cwinsurance's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Nationwide, the average cost of car insurance is $195 per month for full coverage and $107 for liability-only insurance, according to Cwinsurance data. But your costs may be more or less than average, based on factors like:

• Your driving record (past car accidents, speeding tickets, DUIs, and citations)

• Age and gender

• Vehicle make and model

• Credit history (in most states)

• Where you live

• Deductible amount

• Other factors

Homeowners insurance companies consider similar factors, minus your driving history and vehicle. Your house’s location, building materials, age, and value also affect your home insurance premium.

• Liability coverage: All states except New Hampshire require liability insurance, which typically includes property damage liability and bodily injury liability coverage. Some liability insurance provides personal injury protection, medical payments, and uninsured/underinsured motorist coverage. Liability-only coverage is typically the cheapest car insurance option.

• Full coverage: Often required if you lease or finance your vehicle, this collection of policies includes liability insurance, collision coverage, and comprehensive coverage.

You may also consider optional coverages, such as:

• Uninsured motorist/underinsured motorist: This coverage can help pay medical costs, lost wages, and other expenses if you get into an accident with a driver who has no insurance or too little insurance coverage.

• Gap insurance: If your new car is totaled in an accident, your full-coverage policy will pay the actual cash value of your vehicle. Since car value declines every year, you could owe more on your auto loan than you get from insurance. Gap insurance bridges the difference and pays off your remaining loan balance.

The cheapest car insurance company can vary from state to state, city to city, or even by ZIP code. For example, regional insurers COUNTRY Financial and Erie typically offer some of the lowest rates and have good industry ratings, but they serve a limited number of states.

The best, cheapest, and most widely available car insurance companies are State Farm, Allstate, and USAA, according to Cwinsurance data.

State Farm is the largest U.S. auto insurer by market share, according to the National Association of Insurance Commissioners. It has an Cwinsurance Quality (IQ) Score of 9.3 out of 10, has average national rates of $117 per month for full-coverage policies and $55 for liability-only coverage, and is available in all 50 States and Washington, D.C.

Allstate has an IQ Score of 8.9 and average monthly rates of $131 for full coverage and $63 for minimum coverage. USAA, which is available only to active-duty military members, veterans, and their families, has an IQ Score of 9.4 and average monthly rates of $99 for full coverage and $48 for liability.

To compare car insurance rates, you’ll need to know some important information, including:

• The level of coverage you need — full or liability-only (also known as minimum coverage)

• Your state’s minimum liability coverage requirements

• Whether you need liability coverage above your state requirements

• Your credit tier (excellent, good, fair, or poor)

• How much deductible you can afford

No one wants to pay more for car insurance than they have to. But it’s important to understand how much coverage you actually need. Many quality insurance companies offer cheap car insurance, but the cheapest option might not be the best one for you. For example, minimum coverage — which only provides liability insurance — isn’t the best option for drivers who finance or lease their vehicles. If customer service is important to you, it might be better to choose an insurer with high ratings for insurance-claim handling, even if it’s not the cheapest option.

California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania ban insurers from considering gender as a rating factor. But in all other states, your gender can affect how much you pay for car insurance.

Generally, men pay more for car insurance because data shows they get into more accidents than women, have more serious accidents, and are more likely to drive under the influence.

Homeowners may pay less for car insurance than other drivers for multiple reasons, including:

• Bundling discounts: Most insurance companies give significant discounts for buying both homeowners and auto insurance policies from the same company.

• Multi-vehicle discounts: Homeowners also may be more likely to have multiple vehicles that qualify them for a multi-vehicle discount.

• Credit history: Homeowners generally have better credit than renters. They have the advantage of a mortgage payment history since mortgage companies report payments to the credit bureaus. Credit is an insurance rating factor in many states. Drivers with good credit typically pay less for car insurance than drivers with poor or no credit history.