Mainstream shoppers
GEICO
Progressive
GEICO vs Progressive
Head-to-head on DriveEasy vs Snapshot, post-DUI pricing, Progressive's gap-equivalent coverage, GEICO's organization-discount stack, and the situations that call for each quote.
Independent US consumer insurance researchEditorial policyHow we make moneyCorrections
Independent insurance research
Insurance decisions, made clearer.
Compare providers, understand coverage, and make more informed choices — with data-backed reviews and side-by-side comparisons.
Freshly updated · The Index
See all 31 →Featured head-to-head comparisons.
Affinity and eligibility
State Farm
USAA
State Farm vs USAA
Military affinity vs open-market national. USAA is military-only; State Farm is open to any U.S. driver. SafePilot vs Drive Safe & Save, USAA's military-specific endorsements, and the 2025 AM Best divergence.
Mainstream shoppers
Allstate
Progressive
Allstate vs Progressive
Captive-agent Allstate vs the #1 U.S. personal-auto writer by trailing-twelve direct premium (Progressive). Allstate's loss-mitigation suite (Accident Forgiveness, Deductible Rewards, New Car Replacement) vs Progressive's deepest-in-market add-on menu (Loan/Lease Payoff, Deductible Savings Bank, Custom Parts). Drivewise two-way vs Snapshot's publicly disclosed ~2-in-10 surcharge probability, and Progressive's standard-market SR-22 posture.
Telematics philosophy
Progressive
Root
Progressive vs Root
For safe-driver shoppers: Snapshot-optional vs Test-Drive-mandatory, Progressive's A+ (Superior) AM Best vs Root's UNVERIFIED non-A-tier rating, Progressive's gap-equivalent and coverage breadth vs Root's leaner menu, and Root's 37-state footprint with the California Prop-103 exception.
44 reviewed carriers
All 44 reviews →Explore insurance companies.
Six national carriers most readers weigh first, with the full directory grouped by tier below.
GEICO
Direct-to-consumer carrier with a DriveEasy telematics program. Writes in all 50 states.
Progressive
Snapshot telematics as an opt-in rate adjuster. Writes a broad risk pool, including non-standard profiles.
State Farm
Captive agent model with Drive Safe & Save telematics. Multi-line bundling with home and life is a core channel.
Allstate
Captive agent model with Drivewise telematics and Milewise pay-per-mile. Writes in all 50 states.
USAA
Available to military members, veterans, and their eligible family. SafePilot telematics; direct model.
Liberty Mutual
Direct and agent-sold policies with RightTrack telematics. Writes in all 50 states.
Mainstreamadditional 3
Regional & affinity8 carriers
Non-standard4 carriers
Insurtech3 carriers
By driver situation
All 18 situations →Life events that change your rate.
What to actually do when something has already happened. Each guide links to a filing- and NAIC-grounded walkthrough.
After an accident
Documentation, the first call, how the claim starts, and how the surcharge window works.
After a DUI
SR-22/FR-44 filings, carriers that still write you, and the typical premium curve by state.
Adding a teen driver
When to add a teen, the good-student discount, and how usage-based programs change the math.
First-time buyer
The coverages you actually need, limits that are not theatrical, and your state minimums.
Coverage lapse
What a lapse signals to underwriters, how long the surcharge persists, and how to re-enter.
Moving to another state
Minimums shift, carrier availability shifts, and the premium shift is sometimes significant.
By state
All 57 state guides →Rules change at the state line.
Minimum limits, no-fault rules, SR-22/FR-44 filings, and credit-based scoring differ by state. Pick yours.
- Alabama AL
- Alaska AK
- Arizona AZ
- Arkansas AR
- California CA
- Colorado CO
- Connecticut CT
- Delaware DE
- District of Columbia DC
- Florida FL
- Georgia GA
- Hawaii HI
- Idaho ID
- Illinois IL
- Indiana IN
- Iowa IA
- Kansas KS
- Kentucky KY
- Louisiana LA
- Maine ME
- Maryland MD
- Massachusetts MA
- Michigan MI
- Minnesota MN
- Mississippi MS
- Missouri MO
- Montana MT
- Nebraska NE
- Nevada NV
- New Hampshire NH
- New Jersey NJ
- New Mexico NM
- New York NY
- North Carolina NC
- North Dakota ND
- Ohio OH
- Oklahoma OK
- Oregon OR
- Pennsylvania PA
- Rhode Island RI
- South Carolina SC
- South Dakota SD
- Tennessee TN
- Texas TX
- Utah UT
- Vermont VT
- Virginia VA
- Washington WA
- West Virginia WV
- Wisconsin WI
- Wyoming WY
No state matches that search. Clear it to see all 57 + DC.
Guides & research
All 20 guides →Explained, start to finish.
20 plain-language explainers. Start with the one most readers open first.
How this site works
What happens after you enter your ZIP.
No surprises, no sold leads. Here is exactly what's between a ZIP code and a quote comparison you can act on.
1
Enter your ZIP
We route you to the car-insurance quote funnel. ZIP is the only field required to begin — we don't ask for your name, email, or phone to show you comparisons.
2
We shortlist carriers writing in your state
Not every carrier writes in every state. We open with the carriers that both have filings in your state and are strong fits for the shopper profile you'll describe next.
3
You compare rates directly with each carrier
You finish each quote on the carrier's own quote page. YesWeSure never sees your bind price. We may earn a referral fee; it does not influence the comparison or the review.
Common questions
All Q&A pages →Frequently asked.
Short answers to the questions readers most often open the site to resolve.
What's the cheapest full-coverage car insurance?
"Cheapest" depends on your state, vehicle, and driving history. Our cheapest-full-coverage guide shows which carriers write the lowest median rate per shopper profile.
Do I need an SR-22 after a DUI?
Most states require an SR-22 filing after a DUI; Florida and Virginia require the heavier FR-44. Our SR-22 and after-DUI guides cover the mechanics state by state.
Is credit-based insurance scoring allowed in my state?
California, Hawaii, Massachusetts, Michigan, and Washington restrict or prohibit it. See our how-insurance-score-works guide and your state page for the detail.
What does telematics actually do to my premium?
Depends on the carrier. Progressive's Snapshot and Allstate's Drivewise can raise or lower; Root uses telematics to decide whether to offer at all. Our telematics guide maps the five big programs.
How often should I shop my car insurance?
Every 6–12 months, or at every life event: move, marriage, teen driver, new car, incident. Rates re-rate; shopping is a 30-minute check.
How we work
Why you can take our comparisons at face value.
Independent, source-cited, correctable. If something is wrong, say so and we'll fix it.
How we research
Every rate claim traces to a filed rate manual or a NAIC Infogroup entry. Every rating and complaint figure is from the official source, not a secondary summary.
Editorial policy →How we make money
Referral fees from a subset of the carriers we review, disclosed on every carrier page. Compensation never influences which carriers we compare or what the comparisons conclude.
Disclosures →Corrections
Public corrections log for every substantive fix. If you spot an error, flag it; every correction over 24 hours old is listed with the pre-correction wording.
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