Answer Financial Auto Insurance Review

Rating: 7.8 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. Learn more.
Answer Financial is a California-based auto and home insurance agency that offers auto, homeowners, condo, renters, motorcycle, RV, boat, and earthquake insurances. Through their website or call center, customers can compare prices and purchase insurance from a variety of companies. Answer Financial is a subsidiary of the Allstate Corporation that was founded in 1996, with an A+ BBB score.

Answer Financial is one of the largest auto and home insurance agencies in the US, with over 3.4 million vehicles and homes insured across all 50 states. Their website and call center enables customers to compare offers from the 20+ top-rated insurers that Answer Financial represents, including Progressive, SafeCo Insurance, MetLife, Infinity, and 21st Century Insurance.


The more than 20 different auto insurance companies that Answer Financial works with offer comprehensive coverage options, including personal injury protection, collision and medical coverage, bodily injury and personal property damage liability. Below is a list of additional services many companies also provide: 

  • Uninsured/Underinsured Motorist Coverage
  • Collision Coverage
  • Personal Umbrella
  • Policy Towing and Labor
  • Sound System
  • Rental Reimbursement
  • Accident Forgiveness

New car replacement and better car replacement are also options for some of the companies, as well as coverage for specialty vehicles.

Plans and Pricing

Car insurance plans vary according to the company the customer chooses, with different insurers offering varying plans and prices, according to the make of the vehicle, and the owner's driving and credit history. Answer Financial's online application asks for the following information:

  • Zip code and garaging address
  • Contact information (telephone number, email)
  • Car details (make, model, year, and annual mileage)
  • Desired coverage (and current, as the case may be)
  • Personal information (name, marital status, credit rating, incidents in the last 5 years, occupation, birthdate, education, employment)


Auto owners with high levels of education, who own their home or have excellent credit, are more likely to receive the greatest amount of discounts. Additionally, many of the insurers offer special discounts for teachers, safe driving (or accident-free), having taken a defensive driving course, and green vehicle. These discounts depend on the individual insurance providers. 

Financial Ratings

Answer Financial prides itself on working with highly-rated insurers, with outstanding reputations in the industry. These are some examples:

Progressive Auto Insurance - A+ BBB rating, A.M Best Financial Rating A+, A.M. Best Issuer Rating aa, S&P Financial Strength AA, S&P Issuer Strength AA

SafeCo Insurance - A.M Best Financial Rating A, A.M. Best Issuer Rating a, S&P Financial Strength A, S&P Issuer Strength A

Metlife - A+ BBB rating, A.M Best Financial Rating A, A.M. Best Issuer Rating a+, S&P Financial Strength A+, S&P Issuer Strength A+

Support Services

Answer Finance's webpage allows customers to compare auto insurance rates and plans from different providers. They can also be contacted via a toll-free number, and they have Spanish-speakers available. Additionally, they also provides value-added services such as Answer Mobile, which gives customers instant access to policy ID cards and click-to-call claims service. Their Rate Tracker is a free service that monitors auto insurance prices and alerts customers to deals and special savings. Finally, Answer Roadside offers pay-per-use, 24/7 roadside assistance with no subscription fees. 

The Bottom Line – Answer Finance Auto Insurance

Answer Finance offers an easy-to-use way to connect customers with auto insurance providers who can offer better rates and coverage. The process is simple, and yields immediate quotes. 

Top Rated
10 / 10
  • Our #1 Choice - Trusted by Over 18,000,000 drivers
  • Competitive Rates, Tons of Discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
  • Name Your Price Tool®
  • Bundle Auto & Property to Save 5%
  • Snapshot® is a program that personalizes your rate based on how YOU drive.
  • Loan/lease Payoff Coverage, Roadside assistance & Strong Financial Ratings

Start your review for
Answer Financial Auto Insurance