Compare Car Insurance Rates

Instantly compare car insurance quotes to find the cheapest rate.

by Agnieszka Fratczak,
Reviewed by Robbie Bobby

How to compare car insurance quotes

You’re looking to save money on car insurance, and you know you have to comparison shop to find the best deal.

However, many auto insurance quote comparison websites can’t actually sell you insurance. Instead, they make money by selling your personal information to insurance companies and brokers.

Gabi is different because we compare quotes for you, and we’re a fully licensed insurance broker in all 50 states and D.C. Our business is getting you insured—not selling leads. On average, we save customers $961 a year.

When you let Gabi do the comparison shopping for you, we handle everything. Like a true concierge service, we’ll find the best price, contact the insurance company, and get your policy set up.

If you have a question and want to talk to us over the phone, you can. Or, you can go through the entire car insurance comparison and purchase process using the online app, email, or text.

Comparing auto insurance rates can save you money

Gabi takes the effort out of comparison shopping by letting you link your current insurance account. We can automatically analyze your policy to determine information about your coverage, car, and the drivers on your policy.

We can then look for a better rate—with equal or better coverage—from other insurance companies. Within a few minutes, we’ll let you know if you’ve got the best deal, or if you can save money by switching.

Unlike some car insurance comparison tools, we also offer renters and home insurance quote comparisons. Using these, you can determine whether you’ll save money by bundling your auto and home insurance, or if you can save the most by using two companies.

Can you actually save money by switching?

Many people are overpaying for their insurance and don’t realize it because they haven’t looked for a better deal. You can keep your same car, driving habits, record, and coverage, and still save money simply by switching insurance providers.

We’ve analyzed how much Gabi users could save to figure out the average overpayment from drivers in every state.

$1,159

37%

$1,117

37%

$1,138

40%

$1,020

38%

$858

32%

$760

29%

$842

33%

$833

33%

$858

34%

$924

38%

$832

34%

$751

31%

$983

41%

$805

34%

$845

37%

$1,069

47%

$853

38%

$745

34%

$701

32%

$914

43%

$622

29%

$794

37%

$807

38%

$749

36%

$786

37%

$615

29%

$822

39%

$775

39%

$631

31%

$770

39%

$759

39%

$683

36%

$652

35%

$689

37%

$821

44%

$719

39%

$740

40%

$728

39%

$811

44%

$671

37%

$720

40%

$703

39%

$760

43%

$742

43%

$684

39%

$427

25%

$637

37%

$628

37%

$674

43%

$667

44%

$673

47%

What impacts your car insurance rates?

The insurance provider you choose is an important factor, but many things can impact your insurance rates:

Your age and gender:

Your age can be a major factor in how much you pay, as young drivers tend to be riskier drivers. Gender can play a role as well, although it’s not as important of a factor.

Your driving history:

Your driving record is also important. The more recent accidents or traffic violations you’ve had, the more you’ll wind up paying.

Your coverage:

Your coverage limits, types, and deductibles will directly impact your premiums. You’ll have to decide whether you prefer more coverage and lower deductibles, or a lower cost.

Where you live:

Your location can also impact your rates, as theft, vandalism, and accident frequency can vary by geographic region.

Your car:

Luxury cars can be more expensive to repair and replace, and they tend to cost more to insure than a run-of-the-mill vehicle. Additionally, you may receive a discount for having a car with built-in safety features or anti-theft devices.

Your credit:

In most states, having a poor credit history can lead to higher home and auto insurance rates.

While each of these factors can play a role in determining your premiums, insurance providers may place a different amount of importance on each factor. That’s one reason your rates can vary from one company to another, even when you’re purchasing the same amount of coverage.

3 ways to lower your car insurance rates

Whether you want to use Gabi to see if you’re overpaying or stick with your current insurance, here are three ways you might be able to lower your rate:

1. See how much you can save by bundling multiple types of insurance, such as home and auto, from the same provider.

2. Increasing your deductible or lowering your coverage limits or types can lead to savings. But it’s a trade-off that could cost you when you need to file a claim.

3. Ask your insurance provider if it offers any discount. You may qualify for some, such as an infrequent driver discount, but it won’t get applied to your policy if the company doesn’t know you qualify.

Your rates can also change over time, and making a habit of looking for quotes once or twice a year can also help you save.

If you’d prefer a hands-off approach, sign up and compare rates with Gabi. Even if we can’t find you a better deal today, we’ll continue to compare auto insurance rates and let you know when a cheaper policy is available.

Editorial content on Gabi.com is reviewed by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.

Written by

Agnieszka is a copywriter at Gabi, writing content related to auto and home insurance and personal finance since joining the company in 2019. She also published her first novel in 2018. Agnieszka has an M.A. in English from the University of Lodz in Poland.

Reviewed by

Robbie is the Vice President, Head of Sales & Customer Experience at Gabi. As a licensed insurance agent, he has more than 15 years of experience in the insurance industry, joining Gabi after working with Liberty Mutual as the Assistant Vice President and Site Leader, Direct Sales and Innovation. Robbie is a member of the Chartered Property and Casualty Underwriters society and has a Master of Business Administration (MBA) from Grand Canyon University.

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