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Car Insurance Quote Comparison

Two quotes can look alike and protect you very differently. Enter up to four quotes to see them side by side: what each one costs per month, exactly where the coverage differs, and what each policy would pay in a few realistic situations.

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Used in the examples in step 3.
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Leave at 0 if the car is paid off.
This tool compares the quotes you enter. It does not recommend any insurance company, policy or amount of coverage.
Step 1

Enter your quotes

Copy each number from the quote or the coverage page the company sends you. Two example quotes are filled in so you can see how it works. Type over them, or start with blank quotes.

If a quote shows a number that is not in a menu, pick the closest one. Can’t find a number at all? Our free What to Ask Your Insurance Agent sheet lists every one this tool uses.

Step 2

Side by side

Shaded rows are where the quotes are not the same. When one quote costs less, the reason is often in one of those rows.

Not the same across your quotes

Worth knowing about each quote
Facts about what each quote does and does not include. They are not suggestions to change your coverage.
Step 3

What each policy would pay

Limits like “$30k / $65k” are hard to picture. Pick a situation to see what each policy would pay and what would be left for you. The dollar amounts are examples, so change them to fit your own situation.

Change the numbers in this example

Step 4

The deductible trade-off

A higher deductible lowers the price but leaves more for you to pay on each claim. Ask a company to price the same policy at two deductibles, then enter both here to see how long the savings take to add up to the difference.

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Free printable

What to Ask Your Insurance Agent

A one-page sheet of questions that gets you quotes you can actually compare: the same limits, the same deductibles, the same billing period, and every fee in writing.

Get the free sheet

Shopping for the car, too?

Insurance is one part of what a car really costs. The Car Ownership Cost Calculator adds it to fuel, maintenance and depreciation, and we can help you with the rest of the purchase.

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We compare, we don’t recommend. J Car Consultants does not sell insurance and does not recommend any insurance company, policy or amount of coverage. This tool only lines up the quotes you enter. What you type stays in your browser and is never sent to us. For advice about your own coverage, talk with a licensed insurance agent.

How this works. Cost per month is the price plus any fees, divided by the months in the billing period. The examples apply each quote’s limits and deductibles to the dollar amounts shown. Liability pays others up to its per-person and per-accident limits (a combined single limit is one shared pool). PIP pays your own medical bills up to its limit, whoever is at fault. Uninsured motorist coverage pays your injury costs after PIP, up to its per-person limit. Collision and comprehensive pay to repair or replace your car, up to what it is worth, minus the deductible. Rental coverage is counted for up to 30 days, and only when the damage itself is covered. Real claims also depend on who is at fault, the exact policy wording and exclusions, and any other insurance you have, such as health insurance, so these are examples and not a promise of what any company will pay.

Utah’s minimums. For policies issued or renewed on or after January 1, 2025, Utah requires liability of at least $30,000 per person and $65,000 per accident for injuries and $25,000 for property damage, or a $90,000 combined single limit, plus $3,000 of personal injury protection (PIP). Uninsured and underinsured motorist coverage is included unless it is rejected in writing. Rules checked October 2026.