Car Insurance Quote Comparison: Find the Coverage You Need

Comparing car insurance quotes can help you get the right protection so you can enjoy peace of mind on the road at a price that fits your budget.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
LinkedIn Profile
Updated: 06/11/2025
Read Time: 4 minutes
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Key Takeaways

  • Knowing how to compare car insurance quotes efficiently can help save you time and money.
  • Depending on where you live or your vehicle ownership status, you may have certain coverage requirements. So, it’s important to look at coverages closely as you compare quotes to ensure you get what you need to drive with confidence.
  • While price is an important factor when comparing auto insurance quotes, there are other things to consider. Think about how much protection you need in case of an accident, any additional benefits or policy enhancements and company reviews.
man happy he could compare car insurance

How To Compare Car Insurance Quotes

As a consumer, it can be helpful to compare car insurance quotes. Auto insurance companies may offer unique discounts or benefits that could impact your price. And as an experienced driver, you may have needs that are evolving, so you’ll want to ensure your policy comes with customizable coverage options. When you’re doing an auto insurance quote comparison, be sure to look closely at the policy details.
Follow these three steps to help you compare auto insurance quotes:
Car insurance companies will require information to give you a quote. Usually, this includes basic details about yourself like your age, location and employment status, as well as information about your vehicle, any additional drivers on the policy and your current insurance.
Each state requires different minimum coverage requirements. If you have a loan or lease on your car, your lender may have additional requirements. Then, decide if you want to add additional protection beyond what’s required.
When you compare auto insurance rates, it’s important to compare quotes with the same deductibles, discounts and coverage. To save time, you can use tools like a car insurance calculator to help estimate your coverage needs before you start shopping. Remember that price shouldn’t be the only thing you consider. Higher coverage amounts may impact your insurance cost but will help protect you from out-of-pocket expenses after an accident. So, just because an insurance policy is the cheapest doesn’t mean it’s the best, as it may not provide enough protection.
 
The Hartford understands that when it comes to car insurance, there isn’t a one-size-fits-all policy. That’s why AARP® Auto Insurance from The Hartford1 comes with customizable coverage options and additional benefits to personalize your policy at price that fits your budget.
 

Compare Auto Insurance Coverages

Car insurance offers protection when you need it most, so it’s important to know what is covered and how far your protection extends. How much car insurance costs will depend on the coverage options you choose, such as:
 
The Hartford offers tools and support to help you confidently navigate the car insurance quote comparison process, like a car insurance calculator.
couple compare auto insurance

Compare Car Insurance Rates by State

Trying to choose the right coverage for your car? Compare insurance rates in your state to ensure you’re selecting the right policy based on local requirements. While how much coverage you have will impact your annual premiums, the average car insurance policy with The Hartford costs between $121 and $162 a month.†

Why Choose The Hartford for AARP Car Insurance

When it comes to choosing coverage for your car, compare insurance carefully. When you have a policy with The Hartford, you can count on a full range of car insurance coverages to be included in your policy, as well as optional benefits for added protection, including:
 
New car replacement coverage if you total your new car. We’ll even pay to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
 
RecoverCare§ coverage to help pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
 
Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
 
Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.‡
 
Rental Car Reimbursement Coverage, also called transportation expense coverage, to help pay for a rental car while your vehicle is in the shop after an accident.
 
Accident Forgiveness, which excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.‡

Frequently Asked Questions About Car Insurance Quotes

You may want to review your car insurance policy every six to 12 months to make sure you’re getting the coverage you need at a price that fits your budget. You may also want to check that you’re taking advantage of any available discounts. 
It may be easier to compare car insurance quotes online. When you compare car insurance quotes, just remember cheaper is not always better. You’ll want to look closely at the coverage provided in each quote. Reading customer reviews before you decide can also be helpful.
When you’re exploring auto insurance, the quotes comparison can help ensure you don’t overlook critical details. But whether you’re shopping for insurance or need to file a claim, know that The Hartford is always here to help. Get a car insurance quote online or call us at 888-546-9099 today.

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† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.