Know what to expect before you call your agent.
Get a free instant price range for auto, home, renters, or life insurance in your area — in 60 seconds or less. The world's fastest way to benchmark your rate before you buy.
Step 1 of 2 — What type of coverage?
Average quote time
Coverage categories
Fully automated
The process
Be informed before you talk to an agent.
Two steps. No personal info. Know your area's average rate in seconds.
Choose your coverage type
Select auto, home, renters, or life. No account, no login, no commitment.
Enter your zip code
That's it. Just your zip — we use it to pull real state-average rate data for your area.
See what your area pays on average
Instantly see the typical price range for your coverage type so you know what's fair before contacting an agent.
Coverage
Every coverage type. One quick check.
See average rates for auto, home, renters, and life — so you walk into any agent conversation informed.
Auto Insurance
See what drivers in your area typically pay for liability, collision, and comprehensive coverage — before you call an agent.
- Liability coverage ranges
- Collision & comprehensive
- Uninsured motorist
- Know your area's average
Home Insurance
Find out what homeowners in your zip code typically pay so you can spot a fair deal when you see one.
- Dwelling coverage ranges
- Personal property estimates
- Liability protection
- State-average benchmarks
Renters Insurance
Renters insurance is often cheaper than people think. See what your neighbors pay before signing anything.
- Personal property ranges
- Liability coverage
- Loss of use estimates
- Often under $20/month
Life insurance
Know what life coverage costs before you commit
Life insurance rates vary widely by policy type. See the typical price range for each option in your area — so you can walk into any agent conversation knowing what's fair.
Term Life
Fixed coverage for a set period — 10, 20, or 30 years. The simplest, lowest-cost way to protect your family.
- Premiums locked for the term
- Ideal for income replacement
- Convertible to permanent coverage
- No cash value component
Whole Life
Permanent protection that never expires, with a guaranteed cash value that grows tax-deferred over time.
- Coverage for your entire life
- Builds cash value you can borrow
- Fixed premiums, guaranteed growth
- Estate planning tool
Universal Life
Adjustable premiums and death benefits that flex with your financial situation as life changes.
- Adjust coverage as needs change
- Interest-bearing cash value
- Flexible payment schedule
- Indexed or variable options
Joint Life
One policy covering two lives — often used by couples or business partners to reduce total premium cost.
- First-to-die or survivorship
- Lower combined premiums
- Simplifies estate planning
- Business succession use cases
Children's Life
Lock in low rates for your child now and give them a head start on lifelong coverage and cash value.
- Guaranteed insurability later
- Builds cash value from day one
- Premiums stay low forever
- Transfers to child at adulthood
Final Expense
Simplified-issue whole life designed to cover end-of-life costs so your family is never left with the bill.
- No medical exam required
- Covers funeral & burial costs
- Guaranteed acceptance options
- Smaller face amounts available
Not sure which policy fits your budget?
Check the average rate range for your area in seconds — no personal info needed. Then contact a licensed agent with confidence.
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Coverage types supported
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1MinInsurance is a proven, fully automated insurance quoting platform built for acquisition. If you're a carrier or insurtech looking to add instant quoting to your product suite, let's talk.
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