Auto insurance for people who read their bill
Car insurance that doesn't make you read the fine print twice.
Fair rates, straight answers, and claims handled by real people. Get a real price in about three minutes. No hard credit check, no salesperson calling during dinner.
- Licensed in 48 states + DC
- A+ financial strength rating
- 4.8 average on 12,000+ reviews
Why people switch to Explore Auto Insurance, and why they stay.
Big carriers make money on the fine print. We'd rather make it by keeping you around. Here's what we cut out.
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Fair rates · The usual
Installment fees, “policy fees,” and a cancellation fee on your way outNo fees. Not small ones, not hidden ones, not any.
You pay your premium, and that's the whole bill. Leave whenever you like and we refund the days you didn't use.
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Straight answers · The usual
A 40-page policy, plus a glossary you need a glossary forEvery line of your policy, explained in one sentence.
If we can't explain a coverage in plain English, we don't sell it. Renewals come with a note on what changed and why.
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Real people · The usual
“Press 1. Press 4. Your call is important to us.”A licensed human picks up. Usually in under two minutes.
US-based agents who can actually change your policy, not read you a script. Mon–Fri, 8 am–8 pm ET.
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Claims · The usual
Three adjusters, two weeks, and one very long email chainOne adjuster, from the first call to the final check.
Most simple claims are paid in about four days. You get a direct phone number, not a ticket number.
Six kinds of coverage. Zero jargon.
Here's what each one actually pays for, and what it doesn't. Most drivers pick 01 through 04 and call it a day.
Pays for the other person's car and medical bills when an accident is your fault. Your state sets a minimum. The minimum is usually too low.
- Won't cover
- Your own car or your own injuries.
- Typical cost
- The base of every policy.
Repairs your car after you hit something: another car, a guardrail, or that pole in the Target parking lot that came out of nowhere.
- Won't cover
- Hail, theft, or deer. That's comprehensive.
- Typical cost
- About $30–$60/mo, depending on your deductible.
Covers the damage that isn't a crash: theft, hail, flooding, a falling branch, a deer with poor judgment.
- Won't cover
- Collisions with other cars or objects.
- Typical cost
- About $10–$25/mo.
Steps in when the driver who hit you has no insurance, or not nearly enough. That's roughly one in seven drivers on the road.
- Won't cover
- Accidents where you're the one at fault.
- Typical cost
- About $5–$12/mo. Cheap peace of mind.
Towing, jump-starts, lockouts, flat tires, and a couple gallons of gas for when the fuel gauge lied to you.
- Won't cover
- The repair itself. We get you to the shop; the shop does the rest.
- Typical cost
- About $3/mo.
Pays for a rental while your car is in the shop after a covered claim, so you're not borrowing your brother-in-law's truck for two weeks.
- Won't cover
- Rentals for repairs that aren't part of a claim.
- Typical cost
- About $4–$8/mo for up to $40/day.
From "ugh, insurance" to insured in about ten minutes.
Three stops. No detours. You can do the whole thing on your phone in a parking lot. People do it all the time.
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About 3 minutes
Get a quote
ZIP, car, a few questions. No hard credit pull and no phone call you didn't ask for.
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Take your time
Pick your coverage
Slide between options and watch the price change as you go. Every line explained in plain English.
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Today
Drive covered
Pay, and your ID cards land in the app right away. Coverage can start the same day.
Fender bender on a Tuesday. Paid by Friday.
A real claim from last spring, lightly edited so Marcus doesn't get recognized at the gas station.
Rear-ended at a red light on Peachtree. Bumper's crunched, nobody's hurt, other driver is very apologetic.
Marcus files from the curb. Four photos, the other driver's info, done before his coffee got cold.
His adjuster, Denise, calls. Estimate approved. She books the body shop and a rental for that afternoon.
$2,340 deposited. Zero hold music was involved.
Report it 24/7
3 a.m. on the shoulder of I-75? A person answers, not a phone tree.
Photo claims in the app
Snap the damage, get an estimate. Often the same day.
One adjuster, start to finish
One name and one direct number. You'll never explain your accident twice.
People say nice things. Unprompted, even.
Rated 4.8 out of 5 average across 12,400 verified reviews. We publish the one-stars too. Read them.
“I'd been with the same company for eleven years out of pure inertia. It took six minutes to find out I was overpaying by $54 a month. Six minutes. I'm still a little mad about the eleven years.”
“A human answered. On the second ring. I didn't know what to say.”
“My son just got his license, which usually means selling a kidney. The good student discount made it manageable. He still can't parallel park, but that's not your problem.”
“I deliver on weekends. Two other companies told me that was ‘complicated.’ Explore Auto Insurance added rideshare coverage for nine bucks a month.”
Five fields. Then we do the boring part.
Tell us who you are and where you drive. A licensed agent puts together your real price and gets back to you.
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You fill this out. About 30 seconds, no credit check.
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We build your quote. Real coverage, real price, no teaser rate.
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We call or text once. Not 40 times. Your number isn't sold to anyone.
Rather just talk? (619) 880-8184, Mon–Fri, 8 am–8 pm ET.
Thanks. We're on it.
Can't wait? Call (619) 880-8184.
Questions people actually ask.
Still stuck? Call (619) 880-8184. Someone who knows the answer will pick up.
No. We use a soft check, which doesn't affect your credit score and won't show up for lenders. In states that don't allow credit to factor into car insurance prices, like California, Hawaii, and Massachusetts, we don't look at it at all.
Yes. You don't have to wait for renewal. Your old insurer refunds the unused part of your premium, though some charge a cancellation fee, so it's worth asking.
One rule: start your Explore Auto Insurance policy before you cancel the old one. A gap in coverage, even for a day, can raise your rates later.
It's not an official term, which is half the confusion. Most people (and most lenders) mean liability plus collision plus comprehensive. If you have a car loan or lease, your lender almost certainly requires it.
Not-at-fault claims, glass repairs, and roadside calls don't raise your rate with us. An at-fault accident might. But after three clean years, your first at-fault accident is forgiven.
A personal policy alone usually isn't enough once the app is on. Our rideshare and delivery add-on fills that gap for about $6–$12 a month in most states. Mention it in your quote and we'll include it.
As soon as you pay. Your ID cards show up in the app and your inbox right away, so you can drive off the dealer lot today. You can also pick a future start date to line up with your old policy ending.
Your current insurer is counting on you not checking.
Prefer a voice? (619) 880-8184
Mon–Fri, 8 am–8 pm ET. Claims 24/7.