Auto insurance guides

Auto rates vary enormously from one state to another and from one driver to another, so we never state a flat price as if it were a fact. When a guide mentions ranges, we date them and attribute them to recognized sources such as the National Association of Insurance Commissioners (NAIC) or each state Department of Insurance (Florida OIR, Texas TDI). The CFPB does not regulate insurance; for auto the authority is the state. And we do not compare insurer against insurer with loose claims: every policy is quoted for your specific case.

These guides are for anyone who needs to drive to work and live: someone who just arrived, someone without a Social Security number, or someone who had a driving problem and needs an SR-22. We tell you which documents —ITIN, foreign license, consular ID— work to get a quote and insure your vehicle. We also explain which factors drive your price —your driving history, the model and year of your car, where you live, and how much coverage you choose— and why the minimum coverage your state requires is not always enough if you hit a car more expensive than yours. Each state sets its own liability minimums, so in your state guide we tell you what they are. And because rates vary so much between insurers, comparing the same coverage across several is the surest way not to overpay: that is exactly what we do for you.

Cubierto is a licensed insurance agency: we are not an insurance company. We connect you with the major insurers, compare for you, and stay with you in your language, from quote to claim. Getting a quote is free: we earn a standard commission from the insurer, at no additional cost to you.