Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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The Lowdown

  • Savvy Insurance is a quote comparison website, not an auto insurance company
  • Savvy sends you quotes after you fill out a form on the website using your current insurance information
  • It takes approximately 30 seconds to receive auto insurance quotes on the Savvy website

Savvy insurance sounds like an auto insurance company, but it’s actually a quote comparison website. So, while you cannot technically buy Savvy auto insurance policies, you can enter in some brief information on the company website and receive quotes from various real auto insurance companies.

In this Savvy insurance review, learn about this quote comparison website, discover if the provided rates are accurate, and determine if this website is safe and reliable for you to use while shopping for auto insurance.

Fortunately, you don’t have to visit the Savvy auto insurance company website to compare rates if you enter your ZIP code into our free quote comparison tool above to receive rates from reputable companies near you right now.

What is Savvy Insurance?

Savvy is not an auto insurance company. Rather, it’s a quote comparison website that provides you with estimated rates from hundreds of companies based on your current insurance information. As such, there are no average Savvy auto insurance rates, and you cannot purchase any specific auto insurance type from this company.

However, after you receive your estimated quotes, you can choose to work with a dedicated team at Savvy if you need assistance switching auto insurance companies.

You can reach the team by phone, email, or text message. But that contact information is not currently publicly available.

Savvy only compares auto insurance rates and does not offer any additional coverages. According to the company website, it also does not sell any of your personal data.

Plus, if you already have auto insurance, all you need to do is provide information about your current coverage to receive quotes. There is also an option for people who are not currently insured.

However, know that if you click on any of the third-party links sent to you, you agree to have your information shared with that company and to be contacted by an agent.

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How do you request Savvy auto insurance quotes?

To request Savvy auto insurance quotes, visit the company website and click on the ‘start saving’ button. Then, choose from a dropdown tab which insurance company currently provides you with coverage.

Savvy uses Trellis to check your insurance, a secure platform that transfers your encrypted data for your security.

Plus, your credentials are not shared with Savvy itself. If you’ve created a login with your current provider, you can use that to move forward with the form, or you can select to reset the email or manually enter the information.

Unfortunately, if you do not have an insurance login, you receive a list of top company alternatives to the one you currently use instead of actual rates.

Savvy may not be the best choice for people who do not have accounts with their current insurance policies.

Otherwise, you do receive alternative rates. Because it uses your current insurance information, your quote doesn’t reflect any potential changes to your situation.

For example, new homeowners may want to bundle their policies to earn discount auto insurance. Or, you may want to change the details of your coverage levels or add other insurance types.

While there are technically no average Savvy auto insurance rates, you can compare your estimated quotes to the average cost of insurance in your state. View the average annual cost of auto insurance by state in the table below.

Average Annual Auto Insurance Rates by State
StateAverage Annual Auto Insurance Rates
District of Columbia$1,330.73
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
West Virginia$1,025.78
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You may also compare your quotes to the national average cost of auto insurance. According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance in 2018 was $91.16 per month or $1,190 annually.

Keep in mind that many different factors impact auto insurance costs, including age, ZIP code, coverage needs, and vehicle make and model.

What are the Savvy Insurance ratings and reviews?

How are the Savvy auto insurance reviews? Unfortunately, there are no Savvy insurance reviews on the company website.

Plus, it is difficult to locate other online reviews. This company is not accredited by the Better Business Bureau (BBB) and does not have any customer reviews.

Because there’s no Savvy mobile app, there are no reviews on the App Store or Google Play.

Overall, it is unknown what type of customer service experience you might have using Savvy Insurance Solutions, LLC.

What are the pros and cons of Savvy Insurance?

The major pro of using Savvy is that you can compare hundreds of quotes in a matter of minutes simply by providing your current auto insurance information.

Plus, customers do not complain about receiving too many emails or phone calls after using this service.

This company also keeps your information very safe and only shares it with the company you choose to purchase a policy through. However, one of the cons is that people who do not have an insurance login or currently hold a policy do not actually receive real rates.

Instead, you just get third-party links that you must click on and provide more information about yourself to receive quotes. Another con is that this quote comparison website does not provide accurate quotes reflecting any recent changes you may have experienced if those changes are not updated in your current auto insurance.

This includes buying a home, moving states, or even changing ZIP codes.

Similarly, because the form uses your current policy information, it also doesn’t provide an accurate quote if you want to change your coverage levels or pick additional optional coverage types.

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Are quote comparison websites safe to use?

There are many legitimate quote comparison websites that are safe to use. Secure websites are always free and will never ask for your credit card information or any form of payment.

Quote comparison websites asking for this kind of personal financial information may be attempting to scam you.

If you use an unsafe website, you may also receive text messages or phishing emails with insecure links that put your personal data at risk if clicked on.

Never share your information with anyone you feel may be attempting to scam you.

Is Savvy insurance legit? Yes, Savvy appears to be a safe and free-to-use quote comparison platform. However, understand that it does send the information you fill out in the online form to hundreds of partner companies and affiliates.

Savvy Insurance: The Bottom Line

Overall, Savvy is a legitimate quote comparison website that does provide you with alternative rates based on your current auto insurance information. Because there aren’t many customer reviews about Savvy available online, it is unknown what type of experience you may have working with the Savvy support team.

Fortunately, you don’t need affordable Savvy auto insurance rates when you can simply enter your ZIP code into our free quote comparison tool below and compare real rates from the best companies in your region.