About CompareRatesHQ

What is CompareRatesHQ?

CompareRatesHQ is a free guide to car and home insurance in the United States. We are an independent publisher. We write plain-English pages on what each state requires, what coverage means and what affects your price.

We are not an insurance company, agent or broker. We do not give you a quote, sell you a policy or tell you which company to pick. When you want a quote, you can use the partner links and forms on our pages. Those partners are the ones that hold licenses and sell coverage.

Why do licenses matter here?

Selling insurance is regulated state by state. In Texas, for example, a person generally needs a state license to take an application for insurance. The same chapter of the law says that an unlicensed person who refers a customer to an agent is not, by that act alone, acting as an agent, unless the person discusses specific policy terms with the customer. Other states have their own rules.

That is why we stay on the information side. We explain how things work in general. A licensed agent can talk through the details of a particular policy with you.

How does this site make money?

Partners pay us. If you click a partner link or send a form on one of our pages, the partner may pay us. You do not pay anything extra, and we do not charge for the pages.

That money creates a conflict of interest, and you should know about it. So we follow a few rules:

• Partner tables are ads. They are not rankings or ratings. The order does not mean one company is better or cheaper.
• Partner links are marked as paid. They carry a “sponsored” tag in the page code, so search engines see them as ads.
• Money does not buy facts. Rules, limits and cost figures come from public sources, not from partners.

The U.S. Federal Trade Commission treats rankings that companies pay for as deceptive and says a disclosure cannot fix that. It also says a review site that does not sell rankings but earns affiliate referral payments should disclose them clearly. We take both points as our guide. Read the full advertising disclosure for details.

How are our pages made?

Each page starts with public sources. For rules and fees we use state insurance regulators, state statutes and agency pages first. Articles from insurers and comparison sites can help us find the questions people ask, but we do not copy them. We write each page in our own words from the facts we collected.

A few more habits shape the work:

• Every figure is tied to a named source and a date.
• When sources disagree, we show the range instead of picking one.
• Prices appear only as published estimates for a stated driver profile. We never invent a rate or scale a state average to your city.
• Pages show the date we last reviewed them.
• We use software to help draft and check pages. Each number still has to trace back to a saved source.

See also our editorial policy and methodology.

What do we not know about you?

Plenty. We do not know your driving record, address, car or credit history, and those drive your price. Anything general we publish may not match your quote. Treat our pages as background, not legal or financial advice, and check with your state insurance department or a licensed agent before you decide.

Who do you contact about a mistake?

Write to [email protected]. If you spot an outdated rule or a wrong number, tell us which page and what you saw, ideally with a link to the official source. We check it against that source and fix confirmed errors. Significant fixes are logged on our corrections page, which is empty so far.

If you send a form to a partner, read the consent wording next to the button. It explains how you may be contacted, including by phone or text. See the privacy policy for how we handle your information.

Bottom line

Use this site to understand the rules and the costs, then request quotes from licensed partners and compare identical coverage. If anything on a page looks wrong, tell us.