Auto Insurance
Let’s get started, compare auto insurance rates from leading insurance companies.
Select a line of business to start a comparison quote. If you’re ready to buy, select from the Quote & Buy options:
Rather speak with an insurance agent? Call us: (877) 334-7646
What is Auto Insurance?
Auto insurance is a contract. You pay a premium, and in return, your insurance company agrees to help cover the costs if your car is damaged, stolen, or involved in an accident.
But it’s more than a legal requirement. It’s protection—for your vehicle, your finances, and your peace of mind. Whether it’s a fender bender at a red light or a major collision on the freeway, auto insurance helps pay for repairs, medical bills, and liability claims so you don’t have to shoulder the burden alone.
Think of it as a financial safety net that follows you wherever the road leads.
Want to understand the nuts and bolts? Learn how auto insurance works ›
Why You Need Auto Insurance
Because accidents don’t come with a warning label.
Most states require you to carry auto insurance. It’s the law. Drive without it, and you could face fines, license suspension, even legal trouble. But the real reason to carry coverage? It’s financial protection when things go wrong.
One distracted driver. One wrong turn. That’s all it takes to rack up thousands in vehicle damage, medical bills, or lawsuits. Auto insurance helps shield you from these costs—so a single mistake doesn’t become a financial disaster.
If you lease or finance your vehicle, there’s more. Your lender will likely require full coverage to protect their investment. And frankly, so should you.
At IronPoint, we don’t just help you meet the minimum. We help you find the right protection—coverage that fits your life, your budget, and the way you drive.
Planning to Drive Your Car to Mexico?
U.S. auto insurance won’t cover you across the border. Before you hit the road, make sure you’re protected with a Mexico auto Insurance policy built for travelers. We’ll help you get the right coverage—fast and online.
What Auto Insurance Covers
Auto insurance isn’t one-size-fits-all. It’s a mix of coverages—some required, some optional—that protect you, your car, and your passengers.
Core Coverages
- Liability – Covers injuries and property damage you cause to others.
- Collision – Pays for damage to your vehicle after an accident.
- Comprehensive – Covers theft, vandalism, weather, and more.
- Uninsured/Underinsured Motorist – Protects you when the other driver can’t.
- Medical Payments / PIP – Helps with medical bills, regardless of fault.
Optional Protection
- Roadside Assistance
- Rental Car Reimbursement
- Gap Coverage
- OEM Parts Coverage
Want the full breakdown? See everything auto insurance can cover ›
Selecting the Right Liability Limits
Every state sets a minimum for liability coverage. It’s enough to make your insurance legal—but rarely enough to make it smart.
Let’s say you carry the state minimum of $15,000 for property damage. Rear-end a new SUV, and that might not even cover the bumper. Or worse—cause serious injury in a multi-car accident, and you could be on the hook for hundreds of thousands in medical bills. The difference comes out of your pocket.
That’s why most experts—and most responsible drivers—go well beyond the minimum.
At IronPoint, we help you choose liability limits that reflect how you live, what you drive, and what you stand to lose. Because protecting your future and being underinsured can be a costly mistake.
Need help choosing the right limits? Talk to an agent ›
How Much Does Auto Insurance Cost?
It depends—on you, your car, and how you drive.
When insurance companies price auto insurance, they consider a range of factors when setting your rate. So, the cost of car insurance can depend on a variety of things, like:
- Your driving record
- Where you live
- The vehicle you drive
- Your age, credit, and coverage selections
For some, it’s $75 a month. For others, it’s more. But here’s the truth: you can’t control every factor, but you can control how smart you shop.
At IronPoint, we help you compare quotes from top-rated carriers, apply every discount you qualify for, and tailor your coverage to fit your budget. No guesswork. No pushy upsells.
Want a real number? Request your free quote in minutes ›
Auto Insurance Discounts
The right coverage is good. The right coverage at a great price is better.
We help you unlock savings to help you get affordable, not cheap auto insurance. Here are a few discounts you might not even know you qualify for:
Multi-Policy – Bundle auto and home for a better rate.
Good Driver – A clean record pays off.
Good Student – For high achievers behind the wheel.
Low Mileage – Drive less, save more.
Safety Features – Airbags, anti-theft, and tech that protects.
Defensive Driving Course – A little learning goes a long way.
Affinity & Membership – Discounts for groups, employers, and more.
We’ll apply every discount you qualify for—automatically.
Is Usage-Based Auto Insurance Right for You?
Usage-based insurance (UBI) is exactly what it sounds like—coverage that’s priced based on how, when, and how well you drive.
Instead of relying solely on traditional factors like age or ZIP code, usage-based policies use a mobile app or plug-in device to track your actual driving habits. Drive safely, drive less—and you could pay significantly less.
Good braking, smooth acceleration, and low mileage? That’s money in your pocket.
It’s not for everyone, but for careful drivers, UBI can offer real savings.
Ways to Buy Auto Insurance
With IronPoint, you’ve got options—and they all lead to the same trusted carriers and coverage:
- Start Online – Quick, simple, and done in minutes. Request a quote online.
- Over the Phone – Talk it through, quote it fast. Like the personal touch, give us a call.
- Through an IronPoint Agent – Personal guidance from someone who knows the ins and outs.
No matter how you buy, you get access to the same insurance carriers, discounts, and service. But here’s the difference: it’s better with an agent. An insurance agent knows how to tailor your policy, spot the gaps, and make sure you’re not overpaying—or underprotected.
A few extra minutes with a pro? It could save you more than just money.
What Do I Need to Get an Auto Quote?
You don’t need a file folder or a spreadsheet—just a few simple details.
Getting an accurate quote is fast, but it’s not guesswork. Here’s what you’ll need to get started:
- Driver’s License – For every driver you want covered.
- Vehicle Info – Year, make, and model. The VIN helps, but it’s not required.
- Current Insurance – If you’re switching, your existing policy helps us make a smart comparison.
- Driving History – Accidents, tickets, or claims in the last few years.
No pressure, no prep work. Just the essentials—and we’ll take it from there.
Start an Auto Insurance Quote Today
Select a line of business to start a comparison quote. If you’re ready to buy, select from the Quote & Buy options:
Or call 877-334-7646 to speak with a
super helpful agent.
Got questions about auto insurance?
Look no further.
Shopping online is a great way to find affordable car insurance. However, you should figure out which coverages you want beforehand. Then make sure each quote includes the same coverages and limits. That’ll give you a better apples-to-apples comparison.
You could lower insurance costs by reducing coverage limits and increasing deductibles. However, that typically means less protection.
Also, if you cut coverage too much, and your auto insurance policy only satisfies the state’s minimum liability requirements, you may not have coverage to fix your own car. That could result in a lot of out-of-pocket expenses to repair your car after an accident.
In other words, cheap auto insurance may not mean good protection. What you want is affordable auto insurance.
Truth is, car insurance varies.
Auto insurers mull over many factors to calculate your premium. Things that are considered, are your car’s year, make, and model. Where you live. Your driving record. Your insurance history, insurance-based credit score, and more.
Yes, absolutely. Auto insurance premiums vary based on the type of car you drive.
What does it mean for your premiums?
Vehicles with higher repair costs, powerful engines, or a greater risk of theft tend to have higher premiums. For example, convertibles often cost more to insure due to their structure, performance, and vulnerability to theft or vandalism.
Honestly, “there’s no time like the present.” You can get a quote online and start right now.
Frankly, buying car insurance isn’t seasonal, so there isn’t a “better” time to buy a policy. The time to buy a policy is when you think there are opportunities to save money, and still get quality protection.
Car insurance companies use a number of different things when rating your policy. Here are a few of the biggies:
- Driving record. If you don’t have accidents and tickets on your record, you pay less for car insurance. Simply put, the safer you drive the more you could save.
- Where you live. Rates vary from state to state and zip code to zip code. So if you live in a densely-packed city with lots of traffic, then you might pay more than if you lived in the burbs.
- Age. With age comes wisdom, so older drivers tend to pay less for insurance than younger drivers.
- Marriage status. Married or partnered? Depending on your state, married couples may see lower premiums than their single friends. Why? According to math, folks who’ve tied the knot are less likely to crash.
- Gender. Accidents, speeding, DUI convictions … women get less of them. Which’s why, in some states, they tend to pay less for insurance.