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
![Downtown Tennessee city with busy traffic](https://www.bankrate.com/2021/02/03112231/tennessee-car-insurance-laws-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Explore Tennessee’s car insurance laws and the consequences of not meeting them.
![aerial view of houses in southern California](https://www.bankrate.com/2022/02/25160234/Understanding-Californias-FAIR-plan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The CA FAIR Plan is an insurance plan of last resort. Coverage is limited and pricey.
![Graphic of a car](https://www.bankrate.com/brp/2024/02/29151906/Insurance-What-is-Gap-Insurance-Reviewed-by-Experts.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Protect your investment: Learn how gap insurance covers your car loan shortfall.
![Dog sticking his head out the window while the car he is riding in is in traffic.](https://www.bankrate.com/2019/07/07130657/tips-first-time-buyers-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Buying car insurance for the first time? Follow these auto insurance tips.
![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=1:1&width=356)
Bankrate explains homeowners insurance and how it works.
![Man sat in a cafe using his computer](https://www.bankrate.com/2021/04/20210336/high-risk-auto-insurance-new-jersey-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate investigates cheap carriers for high-risk car insurance in New Jersey.
![Mechanic man explaining to his customer the defect of his car in a repair shop](https://www.bankrate.com/2021/11/12105557/car-why-is-car-insurance-mandatory-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Car insurance is mandatory in most states, but why?
![Asian student sitting by the window of her apartment looking out over the city with a pen and notepad in one hand and a cup of coffee in the other.](https://www.bankrate.com/2020/09/28152228/ho4-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out if renters insurance may be the right choice for you.
![Woman with face mask checking car scratch at supermarket.](https://www.bankrate.com/2021/05/06145900/car-new-jersey-hit-and-runs-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Involved in a hit and run in New Jersey? Bankrate explains what to do next.
![father and two sons getting their backpacks from the car](https://www.bankrate.com/2021/06/10144611/Factors-that-impact-your-cost-of-car-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Understanding insurance rating factors can help you get cheaper car insurance.
![Autumn in Minnesota - Treelined Country Road](https://www.bankrate.com/2021/12/01104802/car-speeding-ticket-minnesota-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A Minnesota speeding ticket may raise auto insurance rates by 23 percent or more.
![Auto accident](https://www.bankrate.com/2021/08/12141235/car-west-virginia-hit-and-run-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Involved in a hit-and-run accident in West Virginia? Here’s what to do next.
![Streets of Austin Texas with traffic.](https://www.bankrate.com/2020/12/17133440/texas-car-insurance-laws-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Texas law requires all drivers to carry a minimum level of auto coverage.
![Person sitting under an umbrella looking at their phone.](https://www.bankrate.com/brp/2024/04/24102833/Insurance_595-ABT-Financial-Independence-for-young-adults-Establishing-your-own-insurance-plan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Insurance is a key component of financial independence. Bankrate explains.
![A woman is sitting in her home office on the phone with her auto insurance provider](https://www.bankrate.com/2021/02/05102238/car-policyholder-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Want to know the difference between a policyholder and a driver? Bankrate can help.
![Mother and daughter driving in car](https://www.bankrate.com/2019/03/29113659/Should-you-put-adult-child-on-your-auto-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Learn why adding your teen to your policy is important and what costs to expect.
![aerial view of houses in southern California](https://www.bankrate.com/2022/02/25160234/Understanding-Californias-FAIR-plan.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The CA FAIR Plan is an insurance plan of last resort. Coverage is limited and pricey.
![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=1:1&width=356)
Bankrate explains homeowners insurance and how it works.
![Asian student sitting by the window of her apartment looking out over the city with a pen and notepad in one hand and a cup of coffee in the other.](https://www.bankrate.com/2020/09/28152228/ho4-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Find out if renters insurance may be the right choice for you.
![couple at home in their kitchen with their son](https://www.bankrate.com/2022/05/12134637/Cost-of-living-facts-and-statistics.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Although inflation is slowing, the cost of living remains high for many.
![Flooded home and yard](https://www.bankrate.com/2021/12/17092044/homeowners-insurance-flood-insurance-rate-changes-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
FEMA’s Risk Rating 2.0 system is designed to produce fair flood insurance rates.
![A home on the coast that has been damaged by a hurricane. It is a sunny day.](https://www.bankrate.com/2021/06/15114423/Does-homeowners-insurance-cover-hurricane-damage.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Don’t wait for a hurricane to check your homeowners insurance coverage.
![flood in fort lauderdale florida](https://www.bankrate.com/2022/05/11154629/Hurricane-season-florida.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s what you should know about the 2024 hurricane season in Florida.
![A house](https://www.bankrate.com/brp/2024/03/23143658/ho-1-insurance.jpg?auto=webp&optimize=high&crop=1:1&width=356)
An HO-1 does not offer much coverage and is not available in most states.
![A man with glasses sits in his kitchen in front of a laptop.](https://www.bankrate.com/2021/01/20110417/how-payouts-work-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Life insurance provides peace of mind. But how do payouts work? Bankrate explains.
![Pregnant black parent with black child feeling baby kick](https://www.bankrate.com/2023/04/02094610/Insurance_Life-insurance-while-pregnant.jpg?auto=webp&optimize=high&crop=1:1&width=356)
If finding life insurance is part of your pregnancy preparations, start here.
![A couple reviewing their finances and sitting in front of a laptop](https://www.bankrate.com/2024/01/11150218/Insurance-What-does-life-insurance-cover.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Bankrate explores what life insurance covers to help you understand your options.
![An Asian father is gardening with his little daughter.](https://www.bankrate.com/2020/11/04105346/short-term-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Is short-term life insurance right for you? Bankrate explains this type of policy.
![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.
![An adult son is spending time with his father out in the backyard during a family cookout.](https://www.bankrate.com/2020/11/04163520/outlive-term-life-insurance-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Term life insurance policy expiring soon? Bankrate explains your options.
![People talking to a person in front of a laptop](https://www.bankrate.com/brp/2024/06/26093141/review-your-insurance-policies-for-the-best-deal.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Review your insurance policies to help save money and find the best deal.
![Asian senior woman working on her home finance with laptop at home](https://www.bankrate.com/2021/11/08174422/life-insurance-insurable-interest-featured.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Insurable interest: Key to securing life insurance for those who matter most.
The trusted provider of accurate rates and financial information