Insurance plans compared

Compare auto, home, renters, life, pet and travel insurance by premiums, deductibles, coverage and FairPrice score.

These comparisons use active FairPrice Guru records and published provider disclosures. Pricing and terms can change, so use the source and verification date on each detail page before making a decision.

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Active comparisons

GEICO Auto Standard — GEICO · $152/mo · GEICO stays a top-3 pick on price for clean-record drivers. Rates are transparent online and quotes rarely balloon during checkout, which is not something we can say about every competitor.
Progressive Snapshot — Progressive · $138/mo · Snapshot rewards good drivers with 15-30% off, but hard-brakers get hit. Best for confident drivers who mostly commute during daytime.
State Farm Full Coverage — State Farm · $178/mo · Higher premiums than GEICO but local agents matter when you file a claim. Best for families that value someone picking up the phone.
USAA Auto — USAA · $124/mo · If you qualify, USAA is usually the cheapest and highest-rated option. Non-military households cannot access it.
Lemonade Renters — Lemonade · $12/mo · Cheapest renters policy for most 20-30-somethings. Full quote and bind in under 3 minutes from the app.
State Farm HO-3 — State Farm · $145/mo · Balanced homeowners policy — not the cheapest, not the most expensive. Bundling with auto usually pushes the combined bill below competitors.
Progressive Home — Progressive · $135/mo · Underwritten through partners, but the bundle with Progressive auto is where the savings show up. Solo policy is nothing special.
Allstate HouseAndHome — Allstate · $178/mo · Premium homeowners policy with real perks for going claim-free. Baseline price is high but claim rewards and hazard rebates recover some of it.
Oscar Silver On-Exchange — Oscar Health · $425/mo · Tech-forward health plan with strong virtual care. Narrow networks are the tradeoff. Confirm your doctor is in-network before enrolling.
Kaiser Gold HMO — Kaiser Permanente · $512/mo · If you live in a Kaiser region, this is one of the best-rated integrated health systems in the country. Care and insurance are the same company.
Haven Life Term 20 — Haven Life (MassMutual) · $22/mo · Fully online underwriting for healthy applicants under 45 can bypass the medical exam. Rates are competitive but not the absolute cheapest.
Ethos Term Life — Ethos · $25/mo · Ethos underwrites through Legal & General America, so pricing is real. Best for healthy applicants who want a fully digital experience.
Lemonade Pet — Lemonade · $30/mo · Cheapest pet policy on average for a young healthy dog. Preventive care is an add-on, not baked in.
Trupanion Pet — Trupanion · $68/mo · Best for owners who fear the six-figure surgery bill. Higher monthly but no annual/lifetime caps and vets can be paid directly.
Allianz OneTrip Prime — Allianz Travel · $145/yr · Solid mid-priced travel policy with strong trip cancellation and medical evacuation limits. Good for one-off international trips.
World Nomads Explorer — World Nomads · $210/yr · Built for backpackers and adventure travelers — covers activities most policies exclude (surfing, trekking, mountaineering).

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