Plain-English guides to car, home and health insurance, so you know what a fair price looks like before you compare quotes.
Pick a type of insurance and enter your ZIP code.
🔒 Secure · Takes about 2 minutesOpen enrollment for 2027 runs until January 15 on HealthCare.gov. Enter your ZIP code to see options near you.
Pick a type of insurance to see average costs, what affects your price and how to compare quotes.
Liability, full coverage, discounts and what happens to your rates after an accident.
What policies cover, flood insurance, replacement cost and costs by state.
2027 open enrollment, plan types, metal tiers and options for the self-employed.
Our guides show average 2026 prices and the factors that move them, so you can spot a good deal.
Enter your ZIP code to see providers that serve your area and compare prices and coverage.
Buy directly from the insurer you choose, armed with the right questions to ask.
Insurers price the same driver, home or family very differently, because each uses its own pricing model. Comparing at least three quotes with the same coverage is the simplest way to avoid overpaying.
Then ask for every discount you qualify for: bundling, safe driving, claims-free and more.
See car insurance discountsLower home insurance| 2026 snapshot | Average |
|---|---|
| Car insurance, full coverage | $2,357/yr |
| Car insurance, minimum coverage | $650/yr |
| Home insurance ($400k dwelling) | $2,490/yr |
| Employer health plan, single | $9,325/yr |
| 2027 Marketplace benchmark change | +13% |
Sources: NerdWallet 2026 analyses; KFF.
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No. We’re an independent information and comparison site. You buy any policy directly from the insurer or agent you choose.
At least once a year at renewal, and whenever something changes, such as moving, buying a car, adding a driver or changing jobs.
Insurers generally use a soft credit check for quotes, which doesn’t affect your credit score.
Compare free quotes from providers in your area in about two minutes.