Your State Drivers Are Missing Their Public Rates

Drivers in your state could be paying up to $833/yr less. See your public rate in 60 seconds.

Get My Public Rate
Available in all 50 states · Public rate database updated 2026

Most drivers in your state haven't checked their rate in years

Public auto rates change with your driving record, mileage, vehicle, and ZIP. The policy you bought three years ago doesn't update on its own. A 60-second comparison shows you what a fresh rate could look like today — across 150+ licensed carriers in your state.

  • 78% of US drivers haven't shopped their auto rate in 2+ years
  • $833/yr typical savings reported by drivers who switched through PublicRates in 2025
  • 150+ licensed public-rate carriers our AI matches you across in 60 seconds
Get My Public Rate Takes 60 seconds · No SSN, no spam, no obligations
How it works

From ZIP to a new rate in under 4 minutes

A clean, three-step flow — done entirely online, on your phone or laptop.

  1. 01

    Enter your ZIP

    Tells us which state's public rate database to pull. Takes 5 seconds.

  2. 02

    AI matches your profile

    Our model checks your vehicle, mileage, and history against 150+ licensed carriers in seconds.

  3. 03

    Pick a rate, sign online

    Choose the option that fits, sign digitally, and lock the rate. Old policy can be cancelled with one form.

Get My Public Rate No calls · No paperwork · Free to compare
Free · Zero obligation

See your State rate. Decide later.

Compare your current premium next to a public rate you could qualify for today. If the new number works for you, switch in two clicks. If not, close the tab — no follow-up, no spam, no obligations.

See My Public Rate Takes 60 seconds · No SSN required · Available in all 50 states