Compare car insurance rates

See what you should pay at top companies near you

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Zip code

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Are you currently insured?*

Are you currently insured?

Yes

Current Provider*

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Credit Score

Do you own your home?*

Do you own your home?

Yes

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Do you want to bundle insurance?

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Quick. Private. Reliable Results.

Everything you need to make the right decisions

No bait and switch – accurate rate estimates using better data

No low-ball quotes. We use the rating plans submitted by each insurance carrier to the state department of insurance plus any applicable discounts to more accurately calculate what you can expect to pay.

More choices – not limited to paid advertisers

Unlike other sites, our results are not limited to paid sponsors. Our results represent top carriers in your geographic area based on the total premiums written.

Spam-free - no contact information required

We are the only insurance comparison tool that does not require your contact information to generate your estimates, so you can be sure you won’t get spam from us.

Everything you need to make the right decisions

No bait and switch – accurate rate estimates using better data

More choices – not limited to paid advertisers

Unlike other sites, our results are not limited to paid sponsors. Our results represent top carriers in your geographic area based on the total premiums written.

Spam-free - no contact information required

We are the only insurance comparison tool that does not require your contact information to generate your estimates, so you can be sure you won’t get spam from us.

Insurance shopping can be pleasant - like a relaxing scroll through the best rates

Start saving in 3 simple steps

Quick start

Answer 5 questions. No phone number or email required.

Retrieve your rates

We estimate how much you’ll pay at each top provider in your state.

Compare and save

Compare apples to apples pricing to find your next provider.

Read our spam-free promise

Insurance shopping can be pleasant - like a relaxing scroll through the best rates

Quick start

Answer 5 questions. No phone number or email required.

Retrieve your rates

We estimate how much you’ll pay at each top provider in your state.

Compare and save

Compare apples to apples pricing to find your next provider.

Read our spam-free promise

Lifting the curtain on the insurance industry

Insurance companies have rating plans that detail how they use certain characteristics to assign different rates to different people. These rating plans must be approved by your state department of insurance but are not typically available to consumers.

Rate Retriever uses the data from each insurance company’s rating plan (plus any applicable discounts) to more accurately calculate what you can expect to pay.

Your free and impartial insurance research tool

We’re passionate about giving you open access to the data you need to make smart insurance decisions. We don’t sell insurance policies directly – our tool allows you independently research your options and seamlessly connect with the provider that works for you.

+                                Other comparison sites
-                                Connects you with the provider you choose
-                                No email or phone number required
+                                --
-                                Rates for all top companies in your state
+                                --
-                                Accurate rates verified with state-approved rating plans
+                                --
-                                Results not limited to companies with paid sponsorships
+                                --
-                                Results shown after just 5 questions
+                                --
-                                Option to purchase a policy through them

Insurance companies we search

We search historical pricing data for over 100 carriers nationwide.

Frequently asked

How does the insurance company determine my rate?

Car insurance companies determine how much they charge you based on your driver profile. Factors that can impact your rates include:

Demographics - your age, home ownership, credit score, and more
Your driving history - how long you’ve been driving, traffic violations, and more
Your car - make, model, and year
Where you live - state and zip code
How much coverage you want

How do I switch my car insurance?

Switching your car insurance is easy, even if you are in the middle of your current policy.
Here are some helpful tips to consider to switch your car insurance:

Decide what coverage you want with your next policy
Check if your current provider charges cancellation penalties or fees
Compare prices from at least 3-5 insurance companies (Rate Retriever makes this easy, giving you personalized rates from the top companies near you)
Get a final quote from at least one of your choices
Cancel your current policy once your new one begins

How is Rate Retriever different than other insurance websites?

The biggest difference between Rate Retriever and other comparison sites is that we are a free and impartial research tool NOT an insurance marketplace. This means you can’t purchase a policy directly through RateRetriever.com, but you can use our tool to independently research your options and seamlessly connect with the provider you choose.

Unlike other insurance comparison sites, we:

Use third-party data to give you more accurate rate estimates instead of inaccurate, suspiciously low quotes to get you in the door
Do not limit your list of results to paid advertisers
Do not collect your email or phone number before we let you see your results
Give you results after just five questions (however, your results will be more accurate if you complete your profile)

We like to think that Rate Retriever is your insurance companion, not just another insurance comparison site. Our values guide everything we do, which is why we strive to offer transparent, trustworthy insurance tools.

How does Rate Retriever make money?

Rate Retriever works with national and local insurance providers to provide our users with a seamless insurance shopping experience. We may earn a commission from our insurance provider partners when you click on a link, call, or purchase a policy from one of the providers listed on our site. That said, we’re committed to providing you with accurate, bias-free information, and we do not allow our partnerships to limit the results or influence the information we share with you.

We do not sell your personal information, charge you for using our tools, or sell you insurance policies. Additionally, should you choose to purchase a policy from one of our partners, the price you pay will not be adversely affected.

Read our full earnings disclosure

You say you don't limit results – why do I only see up to 12?

At Rate Retriever, we want to help you compare as many companies as we can. However, to keep our comparison tools free to our users, we do have to limit the amount of data we display on each search. The list of companies you see represent top carriers in your geographic area based on the total premiums written. We are exploring ways to expand our search results in the future.

How can I get cheaper car insurance?

There are many ways you can try to get cheaper car insurance. The first is simply to get quotes from multiple providers. This will help you determine if you’re currently receiving the cheapest rates based on your needs and driver profile. Rate Retriever makes the comparison process easy.

Sometimes, the reason your car insurance is so expensive is due to your driver profile. For example, drivers under 20 years old usually pay more for insurance than more experienced drivers, and drivers with a recent at-fault accident or traffic violation typically pay more.

There are ways to lower the cost of your insurance such as taking a defensive driving course. Check with your provider to see if there are any discounts you qualify for or can reasonably earn.

How much car insurance do I need?

Theanswer to this question depends on where you live and what you would like to cover.

Each state has its own minimum requirements on the type and amount of insurance needed. When you’re trying to determine what and how much car insurance you need, you can start by reviewing your state’s requirements.

Find out what’s required in your state

Once you review your state’s minimum requirements, you may find that you want additional coverage. For example, sometimes owners of new cars want comprehensive coverage to insure their car from natural disasters and vandalism, even though comprehensive coverage isn’t required by their state. To figure out what insurance you want, you can review the different types of insurance to decide what makes the most sense for your situation.

Learn about the different types of car insurance

Compare car insurance rates

Everything you need to make the right decisions

No bait and switch – accurate rate estimates using better data

More choices – not limited to paid advertisers

Spam-free - no contact information required

Everything you need to make the right decisions

No bait and switch – accurate rate estimates using better data

More choices – not limited to paid advertisers

Spam-free - no contact information required

Insurance shopping can be pleasant - like a relaxing scroll through the best rates

Quick start

Retrieve your rates

Compare and save

Insurance shopping can be pleasant - like a relaxing scroll through the best rates

Quick start

Retrieve your rates

Compare and save

Lifting the curtain on the insurance industry

Your free and impartial insurance research tool

Insurance companies we search

Frequently asked

How does the insurance company determine my rate?

How do I switch my car insurance?

How is Rate Retriever different than other insurance websites?

How does Rate Retriever make money?

You say you don't limit results – why do I only see up to 12?

How can I get cheaper car insurance?

How much car insurance do I need?

Ready, set, retrieve

Ready, set, retrieve