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
![flooded home insurance](https://www.bankrate.com/2019/08/08141230/Flood-Image.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate guides you through the process of buying a flood insurance policy.
![People joyriding](https://www.bankrate.com/brp/2024/02/09152450/car-insurance-for-high-risk-drivers-in-california.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains how being named high-risk impacts your car insurance rates.
![A man and woman play with their small child after a hard day of moving boxes into a new home.](https://www.bankrate.com/2015/08/13140710/moving-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Moving can be chaotic, but it’s important to find time to update your car insurance.
![A busy freeway full of cars of various shapes and colors on a bright, sunny day with buildings in the background.](https://www.bankrate.com/2021/05/07103726/Why-is-my-car-insurance-so-high.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Average car insurance rates increased 26 percent from 2023 to 2024.
![two firefighters on a ladder working to put out a house fire](https://www.bankrate.com/2022/03/09122306/Does-homeowners-insurance-cover-fire.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Fire is a common cause of damage to homes. Does homeowner’s insurance cover fire?
![Houses against backdrop of smoke from wildfires](https://www.bankrate.com/brp/2023/07/09090736/how-to-find-affordable-homeowners-insurance-in-a-high-risk-fire-zone.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate shares tips on finding home insurance if you live in a high-risk wildfire area.
![man looking at new car at dealership](https://www.bankrate.com/2012/06/14173305/new-car-800-450.png?auto=webp&optimize=high&crop=1:1&width=356)
How much will my insurance go up with a new car? Bankrate explores your options.
![Family sitting in back of car](https://www.bankrate.com/brp/2024/07/03144203/Insurance-Peel-Story-based-off-True-Cost-of-Auto-Insurance-Report.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The average cost of full coverage car insurance after an at-fault accident is $3,299 per year — a massive 43 percent increase compared to drivers with a clean record, according to Bankrate’s analysis [...]
![Young couple sitting in car, woman holding smartphone, pointing directions, rear view](https://www.bankrate.com/2021/12/10142932/car-temporary-car-insurance-new-york-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn how to get temporary car insurance in New York and how much it costs.
![woman stopped by police](https://www.bankrate.com/2023/04/01153756/Untitled-121.png?auto=webp&optimize=high&crop=1:1&width=356)
Is a citation a ticket? Bankrate explores what these two terms mean.
![A woman stands outside of her smart car and activates it using her smartphone.](https://www.bankrate.com/2020/07/14171048/smart-car-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Wondering what it costs to insure a smart car? Bankrate can help.
![Using calculator and laptop in kitchen](https://www.bankrate.com/2021/06/16161445/outreach-cancelling-drivers-license-after-death-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate reviews what you need to do to cancel a driver’s license after a death.
![Charging an electric car in public station by the street, The Netherlands](https://www.bankrate.com/2022/09/02111842/electric-vs-gas-vehicles.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Are electric cars cheaper than gas? Bankrate explores this and more.
![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.
![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.
![Family white-tailed deer cross road](https://www.bankrate.com/2021/09/03165435/car-does-liability-insurance-cover-hitting-a-deer-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explains what liability insurance is and whether or not it covers hitting a deer.
![Person voting](https://www.bankrate.com/brp/2024/08/30115342/Insurance_How_could_this_years_election_cycle_affect_your_insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Your state’s elections could impact the cost of auto and home insurance.
![mother and daughter grilling in backyard of home](https://www.bankrate.com/2020/04/30154747/Declaration-Page-800-450.png?auto=webp&optimize=high&crop=1:1&width=356)
The declarations page is a summary of your home insurance policy.
![Person reviewing their taxes and/or financial documentation](https://www.bankrate.com/2023/07/13132543/Insurance_What_is_a_Moratorium.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Did your homeowners insurance company issue a moratorium? Here’s what it means.
![A close-up of a house near the roof where there is damage done by termites. There is a graphical overlay with solid colors.](https://www.bankrate.com/2022/11/05135629/Insurance_Does_homeowners_insurance_cover_termites.jpg?auto=webp&optimize=high&crop=1:1&width=356)
When does homeowners insurance cover termite damage? Bankrate has answers.
![Woman analyzing documents while sitting at home](https://www.bankrate.com/2021/02/16142633/ho3-vs-ho5-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
HO-3 vs. HO-5 home insurance — what you need to know to select the right policy.
![Hispanic family enjoying a nice dinner out on the porch.](https://www.bankrate.com/2020/10/08194350/ho5-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
HO-5 insurance provides some of the broadest protection for your home.
![Child going through an old box of jewelry.](https://www.bankrate.com/2023/01/21134033/Insurance_Does-homeowners-insurance-cover-jewelry_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Understand how your homeowners insurance covers jewelry and learn how to increase coverage to prevent financial loss from theft or damage.
![Wall and flooring removed to reveal black mold growing.](https://www.bankrate.com/2020/06/08145106/home-insurance-mold-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out when home insurance covers mold — and when it does not.
![A woman sit and pensively stares out the window.](https://www.bankrate.com/2020/09/11133347/does-life-insurance-cover-suicide-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Does life insurance cover suicide? Here’s what you need to know.
![An older couple sits down with a consultant to talk about their policy.](https://www.bankrate.com/2013/06/17151940/canceling-your-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn the steps and options available when canceling your life insurance policy.
![shot of roses and flowers on top of coffin](https://www.bankrate.com/2021/07/12113209/Average-cost-funeral.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Uncover funeral costs and the insurance options that can help ease the burden.
![Family playing ball](https://www.bankrate.com/brp/2023/02/20122913/Insurance-Single-Premium-Life-Insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Explore the benefits and drawbacks of single premium life insurance.
![Mixed-race Asian girl and her Asian mother are potting a plant and enjoying the weather outdoors.](https://www.bankrate.com/2020/10/28163009/variable-universal-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover the benefits and risks of variable universal life insurance policies.
![A black couple sitting together on the couch](https://www.bankrate.com/2021/02/09133227/indexed-universal-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Discover the features, benefits and costs of indexed universal life insurance.
![Older couple having a good laugh](https://www.bankrate.com/2023/05/11132119/Insurance_Is_life_insurance_worth_it__.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Explore if life insurance is worth it and find the best policy for your needs.
![Scene of a beach with a woven grass umbrella over a nice beach chair in front of a clear, blue shoreline.](https://www.bankrate.com/2023/03/25154959/Insurance_Term-vs-whole-life-insurance_v2.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Term vs. whole life: Uncover which insurance fits your needs and future best.
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