Auto insurance
Most drivers haven't re-shopped since their last car. See what the same coverage costs today from carriers competing for you.
Get my auto rateFind out what you should actually be paying.
Compare real rates from 20+ carriers in 2 minutes. Rates change every year. Most people never check.
Free · No credit impact · No obligation
Monthly premium
Live
$123/mo
$98/mo
Your legit rate
from$59/mo
Rates vary by location, coverage, deductibles, driving record, vehicle, and other factors.
Up to$950/yr
reported savings when switching
2min
from ZIP code to real rates
20+
carriers and agents in our network.
$0
Free. No obligation.
How it works
Three steps to your Legit Rate.
Tell us a few basics
ZIP code, what you're insuring, and who's on the policy.
We match you with carriers
Your details go to the licensed carriers and agents in our network.
Pick the rate that's legit
Compare what comes back and go with the one that makes sense.
Why re-shop
Most people haven't re-shopped in 3 years. Rates moved. Yours didn't.
What you're paying
Your current monthly premium — not known until you compare
Locked in whenever you last renewed.
What's out there
from$59
monthly premium in our network
Priced on today's rates, not the ones you signed up on.
Every renewal you don't re-shop locks in last year's price.
Actual rates and savings vary by location, coverage, deductibles, driving record, vehicle, and other factors.
Pick a lane
What are we pricing?
Home insurance
New roof? Fewer claims? Rates reprice every year — yours may not have. See where you land on today's numbers.
Get my home rateCarriers in our network
Straight answers
Questions people actually ask.
No. LegitRate is an insurance referral site. We match and connect you with insurance companies and agents, and they issue the quotes and the policies. We are not affiliated with any carrier.
Comparing rates here does not put a hard inquiry on your credit report. Some carriers use a soft inquiry when they price a policy, which lenders don't see and which doesn't move your score.
The carriers and agents you're matched with use the details you enter on the quote form, and that form spells out what you're agreeing to before you submit it. You can opt out at any time through the unsubscribe link at the bottom of this page.
You don't pay us anything. Insurance companies and agents pay us a referral fee when we connect them with a shopper. That's the whole business model, and it's why we say up front that we don't sell policies ourselves.
Your ZIP code to start. After that the form asks about the vehicle or the property, who's covered, and what coverage you have now. Most people get through it in about two minutes.
Check your Legit Rate. Two minutes, no pressure.
Auto or home — pick one and go.
Free · No credit impact · No obligation