Drive Smarter with
AI-Driven Auto Insurance
Compare quotes from 50+ top US carriers like GEICO, State Farm, and Progressive in under 60 seconds. Save an average of $640/year.
Live Rate Estimator
Essential Auto Coverages Explained
Liability Coverage
Mandatory in almost every state. It covers bodily injury and property damage to others if you’re at fault.
Pro Tip: 100/300/50 is the gold standard for protection.Collision Insurance
Covers damage to your own vehicle after an accident, regardless of who is at fault.
Best for: Vehicles less than 10 years old.Comprehensive
Protects against non-collision events like theft, fire, vandalism, or “Acts of God” (weather).
Crucial for: High-risk weather zones (FL, TX).PIP / Medical Payments
Covers medical bills for you and your passengers after an accident.
Required in: No-Fault states like Michigan.2026 Average Premium Comparison by State
Current market rates based on a 35-year-old driver with a clean record.
| State | Liability Only | Full Coverage | Trend |
|---|---|---|---|
| Texas (TX) | $65/mo | $160/mo | Stable |
| Florida (FL) | $95/mo | $245/mo | ↑ Rising |
| Ohio (OH) | $40/mo | $110/mo | ↓ Lowering |
How to Save on Auto Insurance in 2026
With the rise of Telematics (GPS-based tracking), insurance companies are now offering “Pay-as-you-drive” models. If you drive less than 8,000 miles a year, you could save up to 40% using GPAI’s smart matching engine.
In 2026, the US government has also introduced new safety mandates for ADAS (Advanced Driver Assistance Systems). Cars equipped with automatic braking and lane-keeping assist now qualify for a special 10% Technology Discount.