Affordable Coverage for Every Driver — Even High-Risk
Whether you’re a daily commuter, weekend road tripper, or navigating life after a license suspension, The Car Insurance Guy helps drivers get the right auto insurance at the right price—with no confusion and no judgment.
From basic liability to SR22 and FR44 filings, we’ve got your back.
Fast Quotes
Same-Day Coverage
Coverage in Your Area
What Does Auto Insurance Cover?
We’ll help you build a policy that meets your needs and budget. Here are common coverage options:
- Liability Insurance
Covers injury or property damage you cause to others in an accident. - Personal Injury Protection (PIP)
Covers your own medical expenses—regardless of fault. - Collision Coverage
Pays for damage to your car if you hit another vehicle or object. - Comprehensive Coverage
Covers non-collision damage like theft, vandalism, or weather events. - Uninsured/Underinsured Motorist
Helps if you’re hit by someone with little or no insurance. - Rental Reimbursement & Roadside Assistance
Optional add-ons to keep you covered in emergencies.
Need SR22 or FR44 Insurance?
Had a DUI? Multiple violations? Suspended license? We specialize in state-required high-risk filings:
We’ll file it electronically with your state’s DMV, within minutes, and ensure you stay compliant.
Don’t Own a Car?
You can still get coverage. Our non-owner insurance policies keep you legal and protected when driving borrowed or rented vehicles—perfect for SR22/FR44 requirements without a vehicle.
What Affects My Auto Insurance Rates?
Your premium depends on:
- Your driving record
- Vehicle type & age
- Your location
- Credit score (in some cases)
- Coverage limits and deductibles
- Whether you need an SR22 or FR44
We shop top insurance providers to find the best rate for your situation—even if you’ve had tickets, accidents, or suspensions.
Ready to Get Back on the Road?
Click below to get a fast, free quote—no obligation.