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Your insurance needs aren't quite like anyone else's, so you need insurance rates that are calculated just for you. With just a few easy steps, you'll get insurance quotes that are tailored to your needs from the best insurance companies in the business.

The quick-start guide to shopping for insurance

Whether you’re shopping for your first car insurance policy or coverage for your vacation home, you need trusted expert advice to get the right insurance. We’ve got all of the expert guidance, up-to-date coverage and rate details, and money-saving tips you need to shop for insurance with confidence.

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With just a few easy steps you can compare rates from the top insurance companies and choose the best coverage for your needs.

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Expert answers to your questions

Our experts are here to provide real answers to your insurance questions. Is there something you want to know? Ask below.

ask expert insurance.com Leslie Kasperowicz Executive editor.

Do you need full coverage, or can you only have comprehensive insurance on a financed vehicle that is not registered and not being used?

This is up to your lender. If the car is not registered and not used, you can legally insure it with comprehensive only in some states, but your loan will have insurance requirements; contact the lender to find out what you have to carry.

How long do traffic tickets stay on your record and will they show up still or would I still have to expunge them?

How long a traffic ticket stays on your record depends on the state. The most common period is three years, but it also depends on the severity of the violation; DUIs stay longer. You may need to request expungement in some circumstances.

If I loan my vehicle to someone who causes an accident, does my insurance cover their personal injuries?

Yes, but only if you carry personal injury protection (PIP), which is required in no-fault states. Liability insurance doesn't cover injuries to the driver of your car, whether it's you or someone else.

My boyfriend was drinking and crashed my car into another person's car while driving, will my insurance cover the damage to my car?

Yes, as long as you carry collision insurance. However, you can expect your rates to go up due to the claim.

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The latest research, the best advice

Our experts stay on top of trends, rate and rule changes, and important insurance news. Check out our latest guides and insurance explainers to get answers to all your insurance questions.

Auto

How much is full coverage insurance for 2024?

The average full coverage car insurance cost is $1,895 a year, but rates will vary depending on the insurance company you choose, where you live and other factors. Nationwide is the cheapest company for full coverage at an average rate of $1,548 a year.

How much is full coverage insurance for 2024?
Condo

Average condo insurance cost in 2024

The average cost of condo insurance is $656 a year, or $55 per month. However, costs can vary depending on where you live and how much coverage you purchase. A condo insurance calculator is a useful tool for estimating rates.

Average condo insurance cost in 2024
Renters

How much is renters insurance in 2024?

You can expect to pay about $22 a month for renters insurance in the U.S. Renters insurance rates are affected more my personal property coverage than by liability. At $40,000 in personal property coverage and $100,000 liability the average cost is $246 a year; for $300,000 in liability the average annual cost is $263

How much is renters insurance in 2024?
Home

Average home insurance cost: How much is home insurance in 2024?

The average cost of homeowners insurance in the U.S. is $2,601 a year, or $217 a month, for $300,000 in dwelling coverage. Your insurance rate will vary based on where you live and factors specific to your home. As home insurance rates increase nationwide, shopping around is the best way to save.

Average home insurance cost: How much is home insurance in 2024?
Auto

What is non-owner car insurance and who needs it?

Non-owner auto insurance is liability-only car insurance for a driver who doesn’t own a vehicle but drives other people’s vehicles often. It provides additional liability insurance should you get into an accident while driving someone else's car or a rental. Non-owner car insurance is secondary, which means it kicks in when the owner's limits are exceeded.

What is non-owner car insurance and who needs it?

Why you can trust us

  • We know every step of the insurance buying process and can provide guidance from start to finish -- whether it’s auto, home, life or any other insurance you need.
  • We know the frustrations insurance customers face, from understanding the jargon on a policy to dealing with a claim. We’ve been there and we can help you navigate it.
  • We want you to find the best coverage for your needs, not the coverage someone wants to sell you whether it’s right for you or not. We’re on your side, offering objective, data-based advice.
  • We understand insurance right down to the smallest details, even complex purchases like health insurance, and we make it easy for you to understand.
  • We bring more than 25 years in the insurance industry to help guide your insurance-buying decisions.

Get to know our team of insurance experts

Our insurance experts have decades of insurance knowledge and are dedicated to educating consumers so they can make the best decisions about their insurance coverage.

John McCormick
John McCormick

Editorial Director

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Laura Longero
Laura Longero

Executive Editor

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Leslie Kasperowicz
Leslie Kasperowicz

Executive Editor

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Nupur Gambhir
Nupur Gambhir

Managing Editor

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