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Independent rate comparison

Stop paying last year's rate.

Your premium was priced for who you were when you signed up. AutoRateSources checks what insurers will quote the driver you are now — free, in about two minutes, with no effect on your credit score.

No obligation to buy. Your quotes stay yours.

  • Always free to compare
  • Takes about 2 minutes
  • No credit score impact
  • Secure, encrypted connection

Before you start

What we'll ask

About 2 min
  1. 01

    Your ZIP code

  2. 02

    Your vehicle — year, make, model

  3. 03

    Who drives it, and how much

  4. 04

    Your driving history

  5. 05

    The coverage you're looking for

Encrypted connection. We never ask for payment details, and nothing is purchased here.

How it works

Three steps between you and a lower rate

No phone tag, no dealership-style pressure. You stay in control the whole way through.

  1. Tell us where you drive

    Rates are set state by state and even ZIP by ZIP. Your ZIP code is where every accurate quote starts.

  2. Answer a few quick questions

    Your vehicle, your driving history, and the coverage you actually want. Most drivers finish in a couple of minutes.

  3. Compare and choose

    Review your options side by side and continue with the one that fits. Nothing is bought until you say so.

Coverage

Know what you are comparing

The cheapest premium is not always the cheapest year. Here is what sits behind the number.

Liability
Pays for injury and property damage you cause to others. Required in nearly every state, and the minimum is often far below what a serious accident costs.
Collision
Repairs or replaces your own car after a crash, whoever was at fault. Usually required while you are financing or leasing.
Comprehensive
Covers the damage that has nothing to do with driving: theft, hail, flood, fire, falling branches, a cracked windshield.
Uninsured motorist
Steps in when the driver who hit you has no insurance or not enough of it. Often the cheapest meaningful coverage on the page.
Medical payments / PIP
Helps with medical bills for you and your passengers after an accident, regardless of fault. Required in some states.
Roadside and rental
Towing, jump starts, lockouts, and a car to drive while yours is in the shop. Small add-ons that decide how a bad day goes.

Why compare

Same driver, same car, very different prices

Every insurer weighs risk with its own formula. Two carriers can look at the identical driver and land hundreds of dollars apart, which is exactly why a single quote tells you nothing about what you should be paying.

  • 01

    Your rate drifts even when you do not

    Insurers refile rates regularly. A price that was competitive when you signed up quietly stops being competitive, and renewal notices rarely spell that out.

  • 02

    Life changes move the number

    Moving, a new car, a shorter commute, a birthday, an accident dropping off your record, adding a driver: each one can reshuffle who is cheapest for you.

  • 03

    Discounts are not automatic

    Multi-policy, safe driver, low mileage, good student, paid-in-full, telematics. You generally get them by asking for them, not by waiting.

  • 04

    One search, many carriers

    Instead of filling out the same form on six different websites, you answer once and see what the market says.

Questions

Straight answers before you start

Two minutes

See what you could be paying instead

Rates change constantly. Checking costs you two minutes and nothing else.

  • Always free to compare
  • Takes about 2 minutes
  • No credit score impact
  • Secure, encrypted connection