Is Experian Auto Insurance Legit?

Is Experian Auto Insurance Legit?

Their service acts like an online insurance broker or agent.

Thus helping you find the best deals on policies from various insurers, but they don’t sell insurance themselves.

Experian doesn’t directly sell car insurance but instead helps you find the best deal.

Their online tool lets you compare rates from different insurers for free.

Even when you choose a policy, Experian can assist you in switching to the new company.

They’re a licensed middleman in all US states, helping you navigate the world of auto insurance.

An image illustrating if Experian Auto Insurance is Legit
Is Experian Auto Insurance Legit
Source: (Freepik)

How Much Does Experian Auto Insurance Cost?

  • You can use Experian’s auto insurance comparison tool for free.
  • To get started, you just need your phone number and the last four digits of your Social Security number.
  • If you already have an Experian CreditWorks Basic account (presumably for credit monitoring), you might be shown even better car insurance deals when you log in.
  • Otherwise, you’ll need to create a new account.

What Makes Experian Auto Insurance Different?

Experian makes shopping for car insurance quicker and easier.

With their free tool, you can see offers from multiple companies in minutes and decide if you want to switch (there’s no pressure!).

  1. Provide some info: Share details like your current policy (you can find this on your insurer’s website), car details, drivers needing coverage, and driving history. This helps Experian find the best deals for you.
  2. Get quotes fast: Experian searches offers from over 40 insurers in their network. You’ll usually see quotes within minutes, though it may take up to 48 hours in some cases.
  3. Find the right fit: If you see a quote you like, Experian can help finalize the switch.
  4. They handle the switch: Experian will set up your new policy, cancel your old one (and try to get a refund for any unused coverage), making the process smooth.

Is Experian Auto Insurance Worth It?

Try Experian’s free car insurance comparison tool.

It searches offers from many insurers to find you potentially better deals.

You’re not obligated to switch, but it’s worth a shot to save money.

Plus, you get free credit score monitoring!

This helps you track your credit health and potentially improve your score.

It includes:

  • Free credit report & score updates
  • Credit score monitoring with alerts
  • Tools to understand and improve your credit score

There’s also a paid option with even more features.

It includes monitoring all three major credit bureaus and additional identity theft protection.

Overall, Experian is worth checking out to see if you can save on car insurance and keep an eye on your credit.

Experian Company Also Offers

Experian offers additional services beyond car insurance comparison:

  • Protect yourself from identity theft: Lock your credit report with Experian CreditLock and get monitoring with Experian IdentityWorks.
  • Manage your business credit: Businesses can check their credit score and reports with Experian for Business.
  • Get a credit report: Need a credit report for a lender? They offer one-time reports or access to all three bureaus.
  • Find credit card and loan deals: CreditMatch helps you find offers based on your credit score (free service).
  • Monitor your credit for free: Keep an eye on your credit score and get alerts with CreditWorks.
  • Boost your credit score (potentially): Add on-time utility and phone bill payments to your report with Experian Boost (free service).


Experian Auto Insurance is likely legit in the sense that it’s a real service offered by a reputable company (Experian).

It acts as a free comparison tool to get quotes from multiple insurers and doesn’t force you to switch.

However, some reviewers found the process cumbersome, and not all insurers are included.

Here’s a quick summary of the pros and cons to help you decide:

  • Pros: Free, saves you time shopping around, potentially finding better rates.
  • Cons: May not include all insurers, and might not be the best deal for everyone.

It might be worth trying Experian’s tool, especially if you’re looking for a quick and easy way to compare car insurance quotes.

But be sure to also consider getting quotes directly from other insurers for a more comprehensive comparison.

An image illustration of Experian Auto Insurance
Experian Auto Insurance
Source: (Freepik)


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