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
![](https://www.bankrate.com/2020/04/24141418/PersonalPropertyInsurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Standard home insurance covers personal property, but how much? Bankrate explains.
![Person in a car](https://www.bankrate.com/brp/2023/10/19185323/Insurance_Driving_Without_Insurance_in_Virginia.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What happens if you drive without insurance in Virginia? Learn more with Bankrate.
![Blue Allstate car on modern background](https://www.bankrate.com/brp/2025/02/11105551/image-1.png?auto=webp&optimize=high&crop=1:1&width=356)
Safe driving might earn you a discount with Allstate Drivewise.
![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=1:1&width=356)
Life insurance may seem confusing, but Bankrate’s experts are here to help.
![Labrador Poodle mix dog with a broken leg. He wears a blue cast while the bone heals.](https://www.bankrate.com/brp/2024/09/23092330/is-it-better-to-get-accident-only-or-accident-and-illness-pet-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Pet insurance plans come in two basic options to decide between.
![Funny cat in cardboard box at home](https://www.bankrate.com/brp/2025/02/10123124/do-you-need-pet-insurance-for-a-cat.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Do cats need pet insurance? There are several reasons it is helpful.
![](https://www.bankrate.com/brp/2025/02/10130554/GettyImages-1372099648-scaled.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You may be able to write your car insurance off your taxes in some situations.
![Police pulling over vehicle on the street](https://www.bankrate.com/2021/05/06085142/car-wisconsin-dui-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A DUI conviction in Wisconsin could increase your car insurance substantially.
![Person in a car](https://www.bankrate.com/brp/2023/10/19185323/Insurance_Driving_Without_Insurance_in_Virginia.jpg?auto=webp&optimize=high&crop=1:1&width=356)
What happens if you drive without insurance in Virginia? Learn more with Bankrate.
![Blue Allstate car on modern background](https://www.bankrate.com/brp/2025/02/11105551/image-1.png?auto=webp&optimize=high&crop=1:1&width=356)
Safe driving might earn you a discount with Allstate Drivewise.
![](https://www.bankrate.com/brp/2025/02/10130554/GettyImages-1372099648-scaled.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You may be able to write your car insurance off your taxes in some situations.
![Police pulling over vehicle on the street](https://www.bankrate.com/2021/05/06085142/car-wisconsin-dui-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A DUI conviction in Wisconsin could increase your car insurance substantially.
![Traffic sign warning of speed camera](https://www.bankrate.com/2021/12/08121440/car-speeding-ticket-maryland-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Does insurance go up after a speeding ticket in MD? Bankrate investigates.
![Smalltown roads of Kentucky](https://www.bankrate.com/2021/12/02105249/car-speeding-ticket-kentucky-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores the consequences of a Kentucky speeding ticket.
![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.
![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.
![](https://www.bankrate.com/brp/2023/10/15132429/Home-Equity-Extreme-weathers-toll-on-homeownership-Navigating-the-financial-implications.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The number of dangerous events is increasing each year. Here’s how to limit the literal and financial damage.
![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.
![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=1:1&width=356)
Life insurance may seem confusing, but Bankrate’s experts are here to help.
![Interracial couple sits on a couch across from a financial expert to review a policy.](https://www.bankrate.com/2021/01/08144050/million-dollar-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Is a million-dollar life insurance policy right for you? Here’s what to consider.
![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.
The trusted provider of accurate rates and financial information