BoringRate

Best Auto Insurance Rates in your ZIP.No calls. No spam. No selling your info.

Editorial  ·  Updated quarterly from state DOI rate filings & NAIC complaint indices.
Example onlyEnter ZIP above ↑ to see rates.
Showing Best Rates in your ZIP
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Currently insured
Driver under 25 on policy
Open to behavior-based pricing
Suspended license / SR-22
At-fault accident (last 3 yrs)
Boring Rank: Quote First
Estimates reflect typical price positioning from public rate filings; quality marks reflect NAIC complaint indices for each carrier's flagship private-passenger-auto entity. Not a quote. How we rank →
Also need renters insurance? Most carriers offer a 5–15% bundle discount. Compare renters rates in your state
§ Why BoringRate

Insurance shopping is broken. So we built something boring on purpose.

i.

One question, honestly answered.

"Who's likely cheapest for me?" — that's what shoppers want to know. We answer it using public rate filings and complaint data, not a 47-field form gated behind your phone number.

ii.

We don't sell your information.

Most aggregators sell each shopper to 3–5 buyers. You get hounded for weeks. We don't capture phone numbers, period. Email is optional and only used for what you ask us to send.

iii.

Methods you can read.

Every ranking links to its methodology. We tell you what data we used, what we couldn't get, and where you should be skeptical of our numbers. Trust isn't a logo — it's a paper trail.

§ From the desk

What carriers don't volunteer.

Feature · 4 min read

Your premium went up and you didn't file a claim. Here's why.

Auto insurance renewals rise for reasons that have almost nothing to do with you. A breakdown of what actually moved your number.

Guide · 3 min read

How to shop for car insurance without wasting your afternoon.

Four rules that cut the process down to what actually matters. Most people overcomplicate this.

Alert · Florida · 3 min read

Florida rates are dropping. If you're not shopping, you're leaving money on the table.

State Farm, AAA, Progressive, USAA, and Allstate have all filed decreases. Here's what the filings actually show — with direct links to each carrier.

Tool · Coverage Guide

What coverage do you actually need? Answer four questions and find out.

Car value, net worth, loan status, health insurance — four inputs. One clear recommendation: what to buy, what to skip, and why.

Guide · 5 min read

Cheapest car insurance for young drivers (under 25)

Drivers under 25 pay more than anyone. Here's what actually moves the number — and which carriers price young drivers most competitively.

Guide · 5 min read

Does your credit score affect car insurance rates?

In most states, yes — significantly. Here's how credit-based insurance scoring works, which states ban it, and what you can do about it.

Guide · 5 min read

What is SR-22 insurance and how much does it cost?

SR-22 is not insurance — it's a filing. What triggers it, what it costs, and how to minimize the damage.

Guide · 6 min read

How much car insurance do you actually need?

State minimums are almost always too low. How to figure out the right coverage levels without over-insuring.

View all guides →

Frequently Asked Questions

We collect publicly reported rate data from state filings and carrier disclosures, then weight by a standard driver profile — clean record, 35-year-old, mid-size sedan, 12,000 miles per year. The result is a carrier ranking for your specific ZIP, not a national average. No carrier pays to appear or to rank higher.
Yes. BoringRate earns nothing from carriers, agents, or referrals. No commissioned relationships, no "best rate" ads that pay us when you click. The site is editorially independent — carriers don't pay to be listed and can't pay to rank higher.
The figures are editorial estimates based on public rate filings, not live quotes. Expect ±15–20% variance depending on your exact profile, vehicle, and coverage selection. Use the rankings to identify which carriers are worth quoting — then get the actual number directly from the carrier.
No. If you subscribe for rate alerts, your email goes to our list and nowhere else. We don't sell, share, or broker leads. No carrier or agent ever receives your contact information through BoringRate.