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Auto Insurance · All 50 States

Drivers in Your State
Are Paying Too Much
For Coverage.

The average American pays $2,356/year for full coverage — and 53% see their rate rise at renewal without any change in their record. Most don't know a free comparison call could change that in under 3 minutes.

Call Free — Get My Quote
No obligation. Completely free.
$461
Median Annual Savings
Consumer Reports 2024
92%
Switchers Who Saved
LendingTree 2025
49%
Drivers Actively Shopping
JD Power 2024
53%
Got a Rate Hike Last Renewal
LendingTree 2025
Avg. Full-Coverage Premium
National average
$2,356
per year · full coverage (2025 data)
Carriers we compare
50+ licensed carriers
Time to get quotes
Under 3 minutes
Cost to compare
100% free
Median saving if you switch
$461/year*
Available hours
Mon–Sun · 7am–10pm
Call 1-877-406-0402
No pressure. No paperwork. Just answers.
Why drivers switch

Five Reasons You're Overpaying Right Now

Backed by industry research — not marketing copy.

01 / 05
📈
Your Premium Rose at Renewal — Without Any Change
Over half of policyholders (53%) report a rate increase at their last renewal — despite no new claims or violations. Insurers quietly increase prices on loyal customers who are unlikely to shop around. It's a well-documented practice called "price walking."
53% of renewals include a hike · LendingTree 2025
02 / 05
🔴
One Old Claim Is Still Affecting Your Rate
Many carriers surcharge after a claim for 3 to 5 years. A 2024 Consumer Reports survey of 40,566 drivers found that 44% who filed a claim experienced a premium increase — and satisfaction among that group dropped sharply. Different carriers apply surcharges very differently.
44% of claimants saw rates rise · Consumer Reports 2024
03 / 05
🔒
You're Carrying Coverage You Don't Actually Need
Collision coverage on a low-value vehicle, riders bundled at the dealership, duplicate roadside assistance you're already getting elsewhere. A quick coverage audit can often identify $180–$250 in annual premiums going to waste — without reducing the protection that actually matters to you.
Avg. overage waste: $180–$250/yr · Bankrate research
04 / 05
🎭
Discounts You Qualify For Were Never Applied
Insurers offer safe-driver, low-mileage, multi-vehicle, good-student, and bundling discounts — but apply very few automatically. Telematics programs alone saved enrolled drivers a median of $120/year in CR's 2024 survey. Most policyholders aren't even aware these programs exist at their carrier.
Telematics savings: median $120/yr · Consumer Reports 2024
05 / 05
🌀
Most Drivers Never Actually Shop — And Insurers Count On That
JD Power's 2024 study found that 49% of auto insurance customers are actively shopping for a new plan — the highest rate ever recorded. Among those who renewed without shopping, 54% didn't get even one competing quote. Of those who did shop, 81% still stayed with their current insurer simply out of inertia. One call is often all it takes to see if you're in the overpaying majority.
54% renewed without getting 1 quote · LendingTree 2025
3min
is all it takes to check
Call Free Now
The process

Simple. Fast. No Pressure.

Designed for people with better things to do than spend an hour on hold.

01
Call Our Free Line
A licensed advisor picks up — no IVR maze, no hold loops, no scripts. Just a real person with access to real rates.
02
We Run the Comparison
Tell us your vehicle, ZIP code, and current plan. We compare your profile across 50+ carriers live on the call.
03
You Decide — No Pressure
If we find better coverage at a lower price, you can switch in minutes. If you're already getting a good deal, we'll tell you that honestly.
Why ClearRoute

We Work For You.
Not the Carriers.

That single difference changes the advice you receive.

Feature
ClearRoute ✓
Typical Single Insurer
Access to multiple carrier quotes
✓  50+ carriers
✗  Their plan only
Free to use — no hidden fees
✓  Always free
—  Varies
Proactively checks all discounts
✓  Every call
✗  Rarely proactive
Honest if you shouldn't switch
✓  Always honest
✗  Always sells
Works for SR-22 & high-risk drivers
✓  All driver profiles
✗  Often declined
Plain-English explanation of coverage
✓  Line by line
✗  Policy jargon
Real drivers. Real numbers.

What People Are Saying

★★★★★
"Nine years, same insurer. I assumed I was getting a loyalty deal. One call and I found the same coverage for $56 less a month. No paperwork."
MK
Marcus K.
Dallas, TX
Saving $672 per year
★★★★★
"My rate jumped $85/month after one minor accident. They found a carrier that doesn't surcharge the same way. Ended up paying less than before the accident."
JR
Jessica R.
Phoenix, AZ
Saving $920 per year
★★★★★
"The advisor was upfront — said my plan wasn't bad, but found two adjustments that saved me $38/month without reducing real coverage. No hard sell at all."
TD
Tyler D.
Chicago, IL
Saving $456 per year
Don't wait

Your Quote is
One Call Away.

Consumer Reports found a median savings of $461/year among drivers who switched. The comparison is free, takes under 3 minutes, and you're never pressured to change anything.

Call Free — 1-877-406-0402
Available Mon–Sun · 7am–10pm · Licensed in all 50 states
Your Free Quote Line
Available in your state
1-877-406-0402
Licensed advisor. No hold music. No scripts. Just real rate comparisons across 50+ carriers.
 Call Now — It's Free
Zero obligation to switch
50+ carriers compared live on the call
Licensed in all 50 states
Under 3 minutes start to finish
* Median savings of $461/year based on Consumer Reports 2024 survey of 40,566 U.S. auto insurance policyholders who switched carriers. Individual savings vary based on driver profile, location, vehicle, and coverage level. State average premiums sourced from Bankrate / autoinsurance.com (2025). All statistics are third-party sourced — we do not manufacture claims.