Are these car insurance quotes free?

Yep! In fact, most companies will give you a free car insurance quote—so you should never have to pay for one.

What kind of car insurance do I need?

Everyone needs liability insurance. Depending on your car, you may also need comprehensive or collision insurance. Need all three? You’re looking at full coverage.

I drive a different type of vehicle. Do I still need car insurance?

Yes! Whether you’re driving a truck, motorcycle, commercial vehicle or even a boat, you need insurance.

What affects car insurance costs?

Lots of things—like your age, driving record, type of car and state laws. See what else affects your rate and how you can save.

Car Insurance Quotes From Trusted Pros

Millennial couple sitting on the roof of a car and looking into the distance.

Getting car insurance quotes from our local pros is super easy!

Enter your zip code and answer a few questions about you and your car.

Match with a Ramsey ELP in your area. They’ll contact you within 24 hours and compare quotes for you.

Get the right coverage at the right price.

Our pro cut our insurance in half, from $787 for 6 months to $420. Same cars, same coverage, different insurance company.

Shannon G.

Five years ago, a Ramsey ELP was only going to save me $120 a year on my home and car. I checked again a month ago, and it was saving me $900. This helps me a lot. I’m a single dad who works full time and cares for my special needs adult daughter.

Brian H.

What an absolutely wonderful experience it was to work with a Ramsey insurance ELP and move my business to them, thanks to a net savings of about $600/year on my home and auto insurance.

Scott M.

If you’re looking to save on insurance, have one of Ramsey’s pros shop insurance for you. Mine saved us over $1,000 per year and got us more coverage! 🙌

Tracey B.

Very pleased! We get great prices and peace of mind . . . Best part? Zero extra cost. You pay nothing for Ramsey doing the work and bringing you these top-notch performers.

Sid W.

Three headshots of a man and two women—our Ramsey Pros.

The Right Coverage

The cheapest coverage isn’t the best. Our pros will get you the coverage you actually need to protect your car—so you’re getting the best value on your insurance.

Peace of Mind

Our pros genuinely care about helping you protect your family and your finances, so you can feel confident knowing you’re covered.

Vetting and Coaching

Every pro goes through an intense interview process to make sure they’re reliable and on a mission to serve you. Once they’re in, we coach them to maintain those high standards.

Connect With a Pro

Only pros and providers who do whatever it takes to help you win earn the RamseyTrusted shield. And when it comes to insurance, these folks are determined to get you the coverage you need and nothing you don’t. Seriously—we’d send our moms to them (and most of us have).

Learn More

Frequently Asked Questions

About the Pros

What's an ELP?: Endorsed Local Providers (ELPs) are insurance pros we trust to serve our customers. ELPs are licensed insurance agents who live and work all over the country. They partner with Ramsey because they believe the same thing we do: that getting the right car insurance coverage is an important part of protecting your financial future.

Learn how Ramsey Solutions helps people take control of their finances. Or take a minute to meet our founder, Dave Ramsey.
Are these pros independent, or do they work for a specific company?: Independent. They can compare car insurance quotes from multiple insurers to find you the best coverage.
Why work with pros Ramsey recommends?: They’re reliable, so they’ll be there when you need them. And they’ve got the heart of a teacher, so they’ll actually help you understand your car insurance.
Does working with an ELP cost extra?: Nope! You just pay your insurance premium like normal—no catch, no extra costs.

About Car Insurance

Are these car insurance quotes free?: Yes! In fact, most companies will give you a free car insurance quote—so you should never have to pay for one.
What kind of car insurance do I need?: Everyone needs liability insurance. Depending on your car, you may also need comprehensive or collision insurance. Need all three? You’re looking at full coverage.
How much car insurance do I need?: We usually recommend at least $500,000 in liability. (That may sound like a lot, but medical bills, car repairs and lawsuits can easily cost hundreds of thousands of dollars after an accident.) For comprehensive and collision insurance, carry enough coverage to buy a vehicle of similar value if yours gets totaled.

Here’s a breakdown of how much car insurance to get—plus what to avoid and why it matters.
I drive a different type of vehicle. Do I still need car insurance?: Yes! Whether you’re driving a truck, motorcycle, commercial vehicle or even a boat, you need insurance.
What affects car insurance costs?: Lots of things—like your age, driving record, type of car and state laws. See what else affects your rate and how you can save.

Ready to Get Started?

Connect With a Pro

Insurance

How Much Car Insurance Do I Need?

22 min read

Figuring out how much car insurance do you need is hard because, let’s face it, car insurance is confusing. That’s why we’re going to show you exactly what you need.