Insurance
Find news and advice on homeowners, renters, auto and life insurance.
Car Insurance
Auto insurance protects your finances from the unexpected. Use our car insurance tools to generate quotes, compare coverage options and find the best insurance company for you. Bankrate’s editorial team curated these top auto insurance picks for your budget.
Homeowners Insurance
If anything happens to your home or belongings, home insurance can protect you financially. Find out how much home insurance you need, how much you’ll pay, and what company is best for you with our online tools.
Life Insurance
Life insurance helps you financially care for your loved ones after you pass away. Bankrate is here to help you compare quotes and find the best life insurance company for you.
Insurance Basics
![Car in California national park](https://www.bankrate.com/2019/03/27140314/Auto-insurance-overview.jpg?auto=webp&optimize=high&crop=16:9&width=320)
What is car insurance?
Car Insurance
Car insurance provides financial security to drivers and is often required to drive.
![Asian single mother with her two children in the kitchen, showing them how to bake a cake.](https://www.bankrate.com/2020/10/02141749/what-is-homeowners-insurance-featured.jpg?auto=webp&optimize=high&crop=16:9&width=320)
What is homeowners insurance and how does it work?
Homeowners Insurance
Bankrate explains homeowners insurance and how it works.
![Family with child enjoying a nice time in the park on a clear day](https://www.bankrate.com/2023/09/12172157/Insurance_Guide_to_life_insurance.jpg?auto=webp&optimize=high&crop=16:9&width=320)
Guide to life insurance
Insurance
Life insurance may seem confusing, but Bankrate’s experts are here to help.
Insurance Reviews
Latest Articles
![playing with dog on the floor in living room](https://www.bankrate.com/brp/2024/06/26172332/how-to-file-a-pet-insurance-claim.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You need to file a claim to use your pet insurance.
![Speed limit](https://www.bankrate.com/2021/12/07125138/car-speeding-ticket-virginia-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A Virginia speeding ticket increases average insurance rates by over 20 percent.
![Dog wants to play with owner while she exercising](https://www.bankrate.com/brp/2024/07/25140351/what-is-the-difference-between-pet-insurance-and-wellness-plans.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wellness plans can enhance your pet insurance policy to keep your pet healthy.
![Cardigan Welsh Corgi litter of puppies.](https://www.bankrate.com/brp/2025/02/06105016/does-pet-insurance-cover-pregnancy.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Pet insurance generally doesn’t include pregnancy or breeding-related costs.
![Streets of downtown New York City.](https://www.bankrate.com/2020/12/17155507/new-york-car-insurance-laws-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
All minimum policies automatically meet state requirements.
![big scratches on a car](https://www.bankrate.com/2021/09/14151122/keyed-cars-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your insurance might cover keyed car repair costs. Bankrate answers your questions.
![Mixed-race couple is discussing their finances with a professional. There is a graphic overlay with some solid colors and design elements to make the image pop.](https://www.bankrate.com/2022/10/14115713/Insurance_What_is_a_home_insurance_binder.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do you need a home insurance binder? Find out with Bankrate.
![Someone sitting next to a small portal space heater.](https://www.bankrate.com/2022/11/03100930/Insurance_Does_homeowners_insurance_cover_space_heaters.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Homeowners insurance does not always cover space heaters. Bankrate explains.
![Speed limit](https://www.bankrate.com/2021/12/07125138/car-speeding-ticket-virginia-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A Virginia speeding ticket increases average insurance rates by over 20 percent.
![Streets of downtown New York City.](https://www.bankrate.com/2020/12/17155507/new-york-car-insurance-laws-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
All minimum policies automatically meet state requirements.
![big scratches on a car](https://www.bankrate.com/2021/09/14151122/keyed-cars-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your insurance might cover keyed car repair costs. Bankrate answers your questions.
![](https://www.bankrate.com/brp/2025/02/05144552/new-jersey-assigned-risk-plan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What is the New Jersey Assigned Risk Plan and how does it affect drivers? Bankrate explains.
![woman loading a car trunk](https://www.bankrate.com/2021/11/22104914/Allstate-drivewise-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Safe driving might earn you a discount with Allstate Drivewise.
![women calculating how to save on car insurance](https://www.bankrate.com/2019/08/16163446/howtosave-1280x720.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Car insurance rates aren’t permanent. Here are 7 tips to lower your auto insurance.
![Driver entering their car](https://www.bankrate.com/2023/06/31103237/Insurance-What-Does-Car-Insurance-Cover.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out what car insurance covers to help you make insurance decisions.
![deer walking in road with cars in background](https://www.bankrate.com/brp/2023/08/14121746/GettyImages-1126290549-1.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
In most cases, swerving is not your best bet.
![Mixed-race couple is discussing their finances with a professional. There is a graphic overlay with some solid colors and design elements to make the image pop.](https://www.bankrate.com/2022/10/14115713/Insurance_What_is_a_home_insurance_binder.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do you need a home insurance binder? Find out with Bankrate.
![Someone sitting next to a small portal space heater.](https://www.bankrate.com/2022/11/03100930/Insurance_Does_homeowners_insurance_cover_space_heaters.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Homeowners insurance does not always cover space heaters. Bankrate explains.
![Los Angeles cityscape with palm trees and plumes of smoke in the sky](https://www.bankrate.com/brp/2025/02/04161419/LA-wildfires-sustainable-insurance-strategy.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Historic fires and insurance changes create an uncertain future for CA homeowners.
![Homes in Georgia](https://www.bankrate.com/2020/02/09214324/Untitled-26.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate’s research can help you find the best renters insurance in Georgia.
![Close-up of a door with smoke coming up from under the crack.](https://www.bankrate.com/brp/2024/05/20174634/Insurance_U.S.-House-Fire-Facts-and-Statistics.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Data show house fires occur every 21 seconds in the United States.
![House covered in snow](https://www.bankrate.com/brp/2025/02/03134333/FAIR-plan-colorado-2025.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Colorado’s FAIR Plan offers last-resort insurance. But at what cost?
![Shot of homes in a residential area.](https://www.bankrate.com/2022/09/24094328/Insurance_What_is_a_flood_elevation_certificate.jpg?auto=webp&optimize=high&crop=1:1&width=356)
An elevation certificate may help reduce your flood insurance cost. Learn how.
![A gay couple taking care of a baby.](https://www.bankrate.com/2023/04/29140225/Insurance_How_to_save_on_homeowners_insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You can take several steps to lower your home insurance premium. Learn more.
![close up of hands filling out paperwork](https://www.bankrate.com/2021/03/09164051/What-happens-if-you-lie-on-your-life-insurance-application.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover what happens if you’re not honest on your life insurance application.
![Visual representation of the security or 'umbrella' that life insurance provides; there are a bunch of multi-colored umbrellas with a hand holding up a 'family' of blue stick figures amidst them.](https://www.bankrate.com/brp/2023/06/01092029/Insurance-How-Much-Life-Insurance-Do-I-Need.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate provides considerations for determining how much life insurance you need.
![father doing daughters hair](https://www.bankrate.com/2022/09/01161836/what-is-term-life-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out what term life insurance is, how it works and who it is best for.
![Shot of a mature couple managing their budget together at home](https://www.bankrate.com/2016/01/08163959/no-medical-exam-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover how to secure life insurance without a medical exam.
![Loving Asian elderly cheerful couple using laptop computer in bed.](https://www.bankrate.com/2015/05/08161908/life-insurance-medical-exam-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Life insurance exams: What to expect and how they impact your coverage and cost.
![Father on phone call and working with son watching tablet](https://www.bankrate.com/2020/05/14131250/How-to-Buy-Life-Insurance-in-8-Steps.png?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate shows you how to buy a life insurance policy in just a few steps.
![A mother sits at a computer while her special needs child sits next to her; they are laughing.](https://www.bankrate.com/2020/07/17171217/life-insurance-for-parents-child-disabilities-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If you have a child with a disability, here’s your guide to navigating life insurance.
![An elderly gay couple walks together on a nice, scenic forest road.](https://www.bankrate.com/2010/09/17165908/credit-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Is credit life insurance worth it for you? Bankrate can help you find out.
The trusted provider of accurate rates and financial information