A new car or refinance means updating your insurance. These three services each compare dozens of carriers — here's how they differ so you can choose the right one for your situation.
Good news: comparing insurance quotes uses a soft credit check — no impact to your score, no matter how many you run.
EverQuote compares rates from 40+ insurance companies to find your lowest price. No spam calls — compare quotes online and choose your own coverage.
Best for: Comparing multiple carriers
The Zebra is a licensed insurance agent that compares 100+ carriers. Known for transparent pricing and no upselling — see your real rate from real companies.
Best for: Fast quote comparison
Insurify shows full policy breakdowns side by side so you can compare coverage limits, deductibles, and premiums — not just the headline price.
Best for: Side-by-side policy details
Calculate your total monthly cost — payment + insurance
Use the auto loan calculator, then add your insurance quote for a complete picture.
Open auto loan calculator →Which car insurance comparison site is best?
EverQuote and The Zebra are the most established, each comparing 40–100+ carriers. EverQuote tends to surface the most quotes; The Zebra offers a more streamlined side-by-side comparison. Insurify is best if you want to compare full policy details (coverage limits, deductibles) rather than just the headline price. Running two of the three takes less than 5 minutes and ensures you're not missing a better rate.
Does comparing car insurance quotes hurt your credit?
No. Car insurance quotes use a soft credit inquiry — they check your credit as a rating factor but do not generate a hard pull that appears on your credit report or affects your score. You can compare as many insurance quotes as you want without any credit impact.
How much car insurance do I need for a financed vehicle?
Lenders require comprehensive and collision coverage (full coverage) on any financed vehicle. The lender is listed as the loss payee, meaning insurance pays them first in the event of a total loss. Most lenders also require you to maintain a deductible of $500 or $1,000 — not higher. GAP insurance is recommended if your loan balance exceeds the vehicle's value, which is common in the first 1–2 years of a loan.
When should I get insurance quotes — before or after buying?
Get quotes before you finalize the purchase, ideally when you've narrowed your choice to 1–2 vehicles. Insurance costs vary significantly by vehicle (make, model, body style, safety ratings, theft rates) and can add $50–150/month to your cost of ownership. Knowing the insurance cost beforehand helps you make an accurate budget comparison.
CarPaymentNow may receive compensation from insurance comparison services listed on this page. Average savings figures are provided by the respective services and based on their own internal data. Actual savings vary by driver profile, location, and coverage selection.