There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).
NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn’t much help.
How it works: Once I launched the quoting tool for auto insurance, I was greeted by a large-print brag that “Drivers Pay As Low As $29.32/Month for Car Insurance.” When I began filling in my vehicle information, the site offered to save me time by looking up the information for me—a frightening reminder of how much of our personal information is available online. The contact information fields were accompanied by text stating that “we respect your privacy” and “NO SPAM, privacy guaranteed.”

Gabi is an insurance services company and licensed insurance agency that claims to save customers up to hundreds on their insurance premiums by comparing insurance quotes against your current policy. Users can link their current insurance to their Gabi.com account or send Gabi a PDF of their current insurance policy; through its technology and real-life advisors, Gabi says it can find you the “right policy” and allow you to compare up to 20 quotes.
Insurance comparison websites can be further broken down into sites that provide real-time insurance quotes versus those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date; to get the most accurate information you should use a site that provides real-time quotes generated by the insurance companies.
We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.
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