Compare Car Insurance Rates

Instantly compare car insurance quotes to find the cheapest rate.

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 $825 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.
US heatmap
State
Average overpayment amount
Percentage
LA
$1,159
37%
MI
$1,117
37%
NY
$1,138
40%
GA
$1,020
38%
FL
$858
32%
DE
$760
29%
NV
$842
33%
TX
$833
33%
NJ
$858
34%
SC
$924
38%
RI
$832
34%
MD
$751
31%
CT
$983
41%
CO
$805
34%
HI
$845
37%
MA
$1,069
47%
MS
$853
38%
KY
$745
34%
CA
$701
32%
NM
$914
43%
OK
$622
29%
WA
$794
37%
AZ
$807
38%
AL
$749
36%
AK
$786
37%
AR
$615
29%
PA
$822
39%
MO
$775
39%
WV
$631
31%
WY
$770
39%
OR
$759
39%
TN
$683
36%
KS
$652
35%
UT
$689
37%
NC
$821
44%
MT
$719
39%
VA
$740
40%
MN
$728
39%
NE
$811
44%
NH
$671
37%
IL
$720
40%
IN
$703
39%
IA
$760
43%
OH
$742
43%
DC
$684
39%
SD
$427
25%
VT
$637
37%
ND
$628
37%
WI
$674
43%
ID
$667
44%
ME
$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 not written by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.
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