Yes! Insurance is required by law!

Driving without insurance or other proof of financial responsibility is illegal in almost all states. Penalties for driving without insurance will include a large fine, license and/or registration suspension, and even possibly jail time.

Furthermore, insurance protects you from major financial burdens in the event of an accident. It also covers damages caused to your and other people's property and injuries. Auto insurance is a social responsibility; driving without insurance puts you and others at financial risk!

Coverage types

A typical auto insurance policy offers the following 4 basic types of coverage:

1. Bodily injury and property damage (injury and damage to others)
2. Personal injury protection (medical costs)
3. Uninsured motorist (accident with uninsured motorist)
4. Collision and comprehensive (damage to your car)

Click here to learn more about different coverage types.

Required coverage levels

Liability auto insurance coverage is required in almost all states, each with its own minimum requirements. Regardless of your state's minimum, experts recommend that all drivers have liability coverage that is no less than $100,000/$300,000/$50,000 (bodily injury per person/bodily injury per accident/property damage).

Some states also require PIP and/or Uninsured motorist coverage. For complete state liability limits and a list of states that require non-liability coverage such as PIP, click here

What affects my insurance rates?

Typically, having higher limits and a low deductible will be more expensive. Your driving history, driving patterns, and the type of car you own are also important factors to how much you'll pay for auto insurance. Other major factors include age, gender, marital status, geography, and credit score.

Certain professions, students with good grades, and safe drivers are all eligible for discounts.

Best way to shop for auto insurance

There are various ways to find and save money on your auto insurance policy. The best way to comparison shop is to talk to local insurance agents and get auto insurance quotes online. You can do both by starting your search on a site like QuoteLab.com. Experts agree that seeking quotes from several companies will save you money - on average $455 per year.

Your best bet for finding lower auto insurance premiums!

We work with leading insurance companies and service providers in all 50 states to help you find the best-fit provider for your insurance needs. After you complete our online form, QuoteLab instantly matches the information you provided with insurance providers offering the best, most appropriate policies in your area.

Get lower rates in 5 minutes!

1. Your contact information
2. Vehicles: Make and model, annual mileage and ownership.
3. Drivers: Age, education, general credit rating and occupation for each driver in the household.
4. Incidents: Accidents, violations and claims.
5. Coverage: Current insurance company, policy dates, and amount of coverage.

They compete for your business!

Our auto insurance partners receive the information and starts working on your quote right away. You will then be contacted within 48 hours with a full review.

QuoteLab also provides you with the option of going directly to top insurance providers to purchase your policy online immediately. If you know what you want, this is often the best and most efficient option.

We just get the lowest rates!

QuoteLab is not an insurance company nor are we affiliated with any insurance companies. We are a free referral service for consumers who want to find the best quotes for auto insurance. We do not issue any insurance policies or provide support for any auto insurance policies you may purchase through one of our partner insurance providers or agents.

100% FREE for everyone

Our mission is to make auto insurance shopping easier for consumers than ever before, and our services are provided to you free of charge. We make money from the insurance agents and service providers who pay us for referrals to consumers who are a good fit with the policies they provide.