insurancequotes.com

{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.insurancequotes.com\/","url":"https:\/\/www.insurancequotes.com\/","name":"Insurance Quotes: Compare Free Auto, Home & Life Rates (2026)","isPartOf":{"@id":"https:\/\/www.insurancequotes.com\/#website"},"about":{"@id":"https:\/\/www.insurancequotes.com\/#organization"},"primaryImageOfPage":{"@id":"https:\/\/www.insurancequotes.com\/#primaryimage"},"image":{"@id":"https:\/\/www.insurancequotes.com\/#primaryimage"},"thumbnailUrl":"https:\/\/www.insurancequotes.com\/wp-content\/uploads\/2021\/09\/insurance-Quotes-logo-e1657655227521.png","datePublished":"2019-07-25T19:26:00+00:00","dateModified":"2026-06-25T20:49:50+00:00","description":"Compare free insurance quotes from 25+ top carriers in 2026 — GEICO, Travelers, State Farm & more. Your best rates for auto, home & life insurance. Drivers who compare can save an average of $867\/year. Takes 2 minutes.","breadcrumb":{"@id":"https:\/\/www.insurancequotes.com\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.insurancequotes.com\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.insurancequotes.com\/#primaryimage","url":"https:\/\/www.insurancequotes.com\/wp-content\/uploads\/2021\/09\/insurance-Quotes-logo-e1657655227521.png","contentUrl":"https:\/\/www.insurancequotes.com\/wp-content\/uploads\/2021\/09\/insurance-Quotes-logo-e1657655227521.png","width":66,"height":64,"caption":"insuranceQuotes logo"},{"@type":"BreadcrumbList","@id":"https:\/\/www.insurancequotes.com\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Insurance Quotes"}]},{"@type":"WebSite","@id":"https:\/\/www.insurancequotes.com\/#website","url":"https:\/\/www.insurancequotes.com\/","name":"Insurance Quotes","description":"Get free car insurance quotes from the top insurance companies fast. Compare policy rates in one place. Save on auto, home, health & more!","publisher":{"@id":"https:\/\/www.insurancequotes.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.insurancequotes.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.insurancequotes.com\/#organization","name":"InsuranceQuotes.com","alternateName":"InsuranceQuotes","url":"https:\/\/www.insurancequotes.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.insurancequotes.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.insurancequotes.com\/wp-content\/uploads\/2021\/08\/IQ-Logo-500x300-1.png","contentUrl":"https:\/\/www.insurancequotes.com\/wp-content\/uploads\/2021\/08\/IQ-Logo-500x300-1.png","width":500,"height":300,"caption":"InsuranceQuotes.com"},"image":{"@id":"https:\/\/www.insurancequotes.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/InsuranceQts\/","https:\/\/x.com\/insuranceqts","https:\/\/www.linkedin.com\/company\/all-web-leads-inc-\/"],"description":"InsuranceQuotes.com is the consumer insurance marketplace of AWL, Inc. We help shoppers compare real-time rates and connect with licensed agents. Our editorial content is reviewed by insurance experts, and rate data is sourced from Quadrant Information Services.","email":"info@awl.com","telephone":"1-888-522-7355","legalName":"AWL, Inc.","foundingDate":"2005-01-19","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"501","maxValue":"1000"}}]}

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{"@context":"https://schema.org","@type":"HowTo","name":"How to Compare Insurance Quotes Online and Save Money","description":"Step-by-step guide to comparing free insurance quotes from 30+ top carriers to find the best rate in 2026.","totalTime":"PT5M","estimatedCost":{"@type":"MonetaryAmount","currency":"USD","value":"0"},"step":[{"@type":"HowToStep","name":"Enter your ZIP code and insurance type","text":"Your state and ZIP code determine which of 30+ carriers are available and what rate tiers apply. Select auto, home, or life insurance to get started on InsuranceQuotes.com."},{"@type":"HowToStep","name":"Answer questions about your profile","text":"For auto: vehicle year, make, model, driving history, and current coverage. For home: property details and coverage level. Takes under 2 minutes total."},{"@type":"HowToStep","name":"Compare quotes side by side","text":"See real 2026 rates from GEICO, State Farm, Progressive, Travelers, Allstate, and 25+ more carriers simultaneously. Compare premiums, deductibles, and coverage limits in one place."},{"@type":"HowToStep","name":"Choose the best rate for your needs","text":"Balance cost and coverage for your situation. Consider deductible, limits, and carrier claims reputation — not just the monthly premium. The spread between cheapest and most expensive carrier can exceed $2,400 per year."},{"@type":"HowToStep","name":"Buy online or connect with an agent","text":"Purchase directly online or our team connects you with a licensed insurance agent from a top carrier at no charge. Licensed agents from IQIA and top carrier partners are available to help you compare and finalize your policy."}]}

{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What states are no-fault states?","acceptedAnswer":{"@type":"Answer","text":"Twelve states have no-fault car insurance laws: Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kentucky, Massachusetts, Minnesota, North Dakota, Utah, and Kansas. In no-fault states, your own Personal Injury Protection (PIP) pays your medical bills after an accident regardless of who caused it. Kentucky, New Jersey, and Pennsylvania are choice no-fault states where drivers can opt out in writing. New Hampshire requires no car insurance at all, though drivers remain personally liable for damages they cause."}},{"@type":"Question","name":"Who has the cheapest car insurance right now?","acceptedAnswer":{"@type":"Answer","text":"In 2026, Travelers offers the cheapest national average full coverage at $155 per month ($1,860 per year) for a driver with a clean record. GEICO averages $158 per month and State Farm $171 per month. The cheapest option for your specific profile depends on your location, driving history, vehicle, and age. Regional carriers like Auto-Owners, Erie, NJM, and Shelter Insurance often beat national brands by 15 to 25 percent in their home markets. Comparing quotes from multiple carriers is the only way to find your personal lowest rate."}},{"@type":"Question","name":"What is the best site to compare insurance quotes?","acceptedAnswer":{"@type":"Answer","text":"InsuranceQuotes.com is a free insurance comparison platform backed by AWL Insurance Agency (NPN: 18056901) — a licensed agency with over 20 years of experience. Enter your information once and see quotes from 30+ top carriers including GEICO, Travelers, State Farm, Progressive, and Allstate side by side. The best site is the one that shows real rates from carriers available in your state. Always compare at least 3 to 5 quotes — the spread between cheapest and most expensive carrier for the same driver can exceed $2,000 per year."}},{"@type":"Question","name":"Is it better to have a $500 or $1,000 car insurance deductible?","acceptedAnswer":{"@type":"Answer","text":"A $1,000 deductible is better if you want lower monthly premiums and have enough savings to cover the higher out-of-pocket cost after a claim. Raising your deductible from $500 to $1,000 typically saves $15 to $35 per month — about $180 to $420 per year. The break-even point is roughly 2 to 3 years: if you go that long without filing a claim, the higher deductible saves money overall. A $500 deductible is better if you drive frequently, have a history of claims, or would struggle to pay $1,000 out of pocket after an accident. The average deductible chosen by American drivers is $500."}},{"@type":"Question","name":"Is $300 a month too much for car insurance?","acceptedAnswer":{"@type":"Answer","text":"$300 per month is significantly above the national average of $196 per month for full coverage in 2026. Whether it is too much depends on your situation: drivers with DUIs, multiple accidents, or teen drivers on their policy may legitimately pay this range. But many drivers paying $300 per month are overpaying due to loyalty discounts expiring or never comparing rates. Travelers averages $155 per month for full coverage nationally. If you are paying $300 per month with a clean record, comparing quotes from multiple carriers could save you $1,000 to $2,000 per year."}},{"@type":"Question","name":"Does your credit score affect your car insurance rate?","acceptedAnswer":{"@type":"Answer","text":"In 47 states, yes — insurance companies use credit-based insurance scores to help set your rate. Drivers with poor credit can pay significantly more than drivers with excellent credit for identical coverage. However, California, Hawaii, and Massachusetts prohibit insurers from using credit scores to price auto insurance by law. If you live in one of those three states, your credit history cannot affect your car insurance rate. In all other states, improving your credit score over time is one of the highest-leverage ways to lower your insurance premium."}}]}

{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is an insurance quote?","acceptedAnswer":{"@type":"Answer","text":"An insurance quote is a cost estimate from an insurance company showing how much a policy will cost based on your personal information, location, vehicle, and coverage needs. A quote is not a binding contract — it is a price snapshot based on the information you provide. Quotes vary significantly between companies because each insurer weights risk factors differently. The only way to find your cheapest rate is to compare quotes from multiple carriers. On InsuranceQuotes.com, you can compare quotes from 30+ top carriers in under 5 minutes — always free."}},{"@type":"Question","name":"What states are no-fault states?","acceptedAnswer":{"@type":"Answer","text":"Twelve states currently have no-fault car insurance laws: Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kentucky, Massachusetts, Minnesota, North Dakota, Utah, and Kansas. In no-fault states, your own Personal Injury Protection (PIP) coverage pays your medical bills after an accident regardless of who caused it. Three states — Kentucky, New Jersey, and Pennsylvania — are choice no-fault states where drivers can opt out in writing. New Hampshire requires no car insurance at all, though drivers remain financially responsible for accidents they cause."}},{"@type":"Question","name":"What is the cheapest website to compare car insurance quotes?","acceptedAnswer":{"@type":"Answer","text":"InsuranceQuotes.com lets you compare rates from 30+ top carriers — GEICO, Travelers, State Farm, Progressive, Allstate, and more — side by side in one form, similar to The Zebra, Insurify, and other comparison platforms. Enter your information once and see multiple quotes simultaneously to find your lowest rate. InsuranceQuotes.com is backed by AWL Insurance Agency (NPN: 18056901) and IQIA, a licensed insurance agency — so if you want to work directly with a licensed agent who can help compare options and write the policy, that option is available alongside the self-serve tool. Always compare at least 3 to 5 quotes before buying — the spread between the cheapest and most expensive carrier can exceed $2,000 per year for the same driver."}},{"@type":"Question","name":"Who has the cheapest car insurance right now?","acceptedAnswer":{"@type":"Answer","text":"In 2026, Travelers consistently offers the cheapest car insurance rates nationally for drivers with clean records, at an average of $155 per month for full coverage, followed by GEICO at $158 per month and State Farm at $171 per month. Cheapest depends entirely on your driver profile, location, and vehicle. Auto-Owners Insurance leads in multiple Midwest and Southern markets but is only available through independent agents. Erie Insurance leads in the Northeast and Mid-Atlantic. Regional carriers like NJM in New Jersey, PEMCO in the Pacific Northwest, and Shelter Insurance in the Midwest often beat national brands by 15 to 25 percent. Compare to find your rate — the spread between carriers can exceed $2,000 per year for the same driver."}},{"@type":"Question","name":"Is it cheaper to buy car insurance online than through an agent?","acceptedAnswer":{"@type":"Answer","text":"Online insurance quotes are typically the same price as going through an agent — insurance companies file the same rates with state regulators regardless of the purchase channel. The real savings come from comparing multiple carriers simultaneously. Some carriers like Auto-Owners, Erie, and Shelter Insurance are only available through independent agents and consistently offer lower rates than online-only brands in their markets. The smartest approach: use a free comparison tool like InsuranceQuotes.com to identify the cheapest carriers for your profile, then work with a licensed agent if your best option requires one."}}]}