About LowestPolicy.com
Helping US drivers find better auto insurance rates — without the phone-tag and back-and-forth.
Who we are
LowestPolicy.com is an independent auto insurance comparison and quote-matching service. We help US drivers compare rates across more than 50 carriers — including State Farm, GEICO, Progressive, Allstate, Liberty Mutual, Farmers, and Nationwide — in roughly two minutes.
We launched LowestPolicy.com because the traditional way to shop for auto insurance is broken. Calling each carrier separately takes hours. Insurance company websites are full of upsells and dark patterns. Local agents are limited to one or two brands. We thought drivers deserved a simpler way to see what's actually available to them — and to switch when a better rate shows up.
What we do
When you submit a quote request, we route your information to a network of licensed insurance carriers, licensed agents, and lead-buyer aggregators (collectively, our Marketing Partners). One or more of them will reach out to you with quotes within minutes. You can compare rates, ask questions, and choose to bind coverage with whichever carrier you prefer — or none at all.
What we are not
We are not an insurance company, insurance agent, or insurance broker. We do not sell, underwrite, or bind policies. We are not affiliated with any specific carrier. We do not have access to your credit report or DMV records — every rate quoted is provided by the licensed carrier or agent that reaches out to you, not by us.
How we make money (and why you don't pay anything)
LowestPolicy.com is free for consumers. We are compensated by our Marketing Partners — they pay us a referral fee for each quote request we send them. That's how every comparison site of this kind works (Insurify, The Zebra, NerdWallet, etc.). The carrier you ultimately choose pays no more because you came through us.
This model means we have an incentive to show you accurate, high-quality matches: if our leads don't convert into real customers for our partners, they stop accepting them. Lazy lead-gen sites get cut off. We'd rather give you a slightly smaller list of legitimately-competitive rates than fire 30 spammy partners at your phone.
Our principles
- No spam. When you opt in to be contacted, you'll hear from carriers actively quoting you — not from a thousand unrelated marketers. You can opt out anytime by replying STOP, unsubscribing, or asking the caller to remove you.
- Real consent. We use industry-standard TCPA compliance tools (Jornaya LeadiD and ActiveProspect TrustedForm) to verify that every contact request was authorized by the consumer. This protects you from being contacted without your permission.
- Transparent partners. Our full list of Marketing Partners is published at lowestpolicy.com/partners and updated as it changes.
- No bait-and-switch on rates. The rates quoted to you come directly from the licensed carrier or agent, based on the information you provided. We don't manipulate, mark up, or hide quotes.
Compliance & security
We follow the Telephone Consumer Protection Act (TCPA), the California Consumer Privacy Act (CCPA/CPRA), the Gramm-Leach-Bliley Act (GLBA), and analogous state privacy laws. Information you submit is transmitted over 256-bit SSL and stored with industry-standard safeguards. See our full Privacy Policy for details on data handling, retention, and your rights.
Where we operate
LowestPolicy.com matches drivers with carriers and agents licensed in all 50 US states and the District of Columbia. We do not match drivers under 18 or outside the US.
Get in touch
Questions, press inquiries, partnership requests, or compliance questions? Visit our Contact page.