Learn the basics
Understand the main coverage types and what affects your rate, so you know what to look for.
Auto insurance made simpler
Compare car insurance options in minutes.
Explore auto insurance options from independent providers in your area, and learn what coverage makes sense for you.
- Free to use
- No obligation
- Independent providers
Start your comparison
See auto insurance options from independent providers that serve your area.
Prefer to talk? Call —
Insurance Solutions USA is operated by Velocity Media LLC, an advertising company, not an insurance company or agency. Quotes are provided by independent third parties. See our Disclosure.
How it works
Three simple steps to explore your options.
We make it easier to research auto insurance and connect with providers that serve your area.
Review your options
Explore offers from independent insurance providers and compare coverage, deductibles, and price.
Choose what fits
Complete your purchase directly with the provider you select. They handle your policy and service.
Coverage types
Know what you're comparing.
Auto policies are built from several coverage types. Understanding each one helps you compare quotes on equal terms.
Liability coverage
Helps pay for injuries and property damage you cause to others. Most states require a minimum amount to drive legally.
Collision coverage
Helps repair or replace your vehicle after an accident with another car or object, regardless of fault.
Comprehensive coverage
Covers non-collision events such as theft, vandalism, hail, flooding, fire, or hitting an animal.
Uninsured / underinsured motorist
Helps protect you when the at-fault driver has no insurance or not enough to cover your costs.
Medical payments & PIP
Helps cover medical expenses for you and your passengers after an accident. Required in some no-fault states.
Roadside & rental
Optional add-ons that can help with towing, lockouts, jump-starts, and a rental car while yours is being repaired.
Your rate
What affects the price of car insurance?
Every provider weighs these factors differently, which is why the same driver can see very different quotes.
-
Driving recordAccidents, tickets, and claims history often have a significant effect on premiums.
-
LocationYour ZIP code affects rates based on local traffic, theft, weather, and repair costs.
-
VehicleMake, model, age, safety features, and repair costs all play a role.
-
Coverage choicesHigher limits and lower deductibles typically mean higher premiums.
-
Annual mileageDrivers who spend less time on the road may qualify for lower rates with some providers.
-
Other factorsDepending on your state, age, driving experience, and insurance history may also be considered.
FAQ
Common questions.
Is Insurance Solutions USA an insurance company?
No. Insurance Solutions USA is a digital marketing property operated by Velocity Media LLC, an advertising company. We do not issue, underwrite, or sell insurance policies, and we do not employ or represent insurance agents. Quotes and policies come from independent third-party providers.
Does it cost anything to use this site?
No. Browsing this site and exploring options is free. We may receive compensation from partners when you click through to them or when a call is routed to a participating partner. See our Disclosure for details.
How much car insurance do I need?
Every state sets its own minimum requirements, usually for liability coverage. Many drivers choose higher limits or add collision and comprehensive coverage, especially if their vehicle is financed or leased. A licensed agent or provider can help you decide what fits your situation.
Will comparing quotes affect my credit?
Insurance providers that use credit-based insurance scores generally use a soft inquiry, which does not affect your credit score. Check each provider's disclosures for their specific practices.
When should I shop for a new policy?
Common times to compare are when your policy is up for renewal, after you move, buy a new vehicle, add a driver, or when your driving record changes.
Are you affiliated with the government?
No. Velocity Media LLC and Insurance Solutions USA are not affiliated with, endorsed by, or acting on behalf of the U.S. government or any federal, state, or local government agency.
Ready to see your options?
It only takes a moment to get started.
Important: Insurance Solutions USA is a marketing property of Velocity Media LLC. We are not an insurance company or agency and do not provide insurance advice. Products and services are supplied by independent third parties and are subject to their eligibility rules, pricing, terms, conditions, and availability. Not all providers or products are available in all states. Please review each provider's disclosures before making a decision.