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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub"> <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link"> CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link"> CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link"> CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link"> CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link"> Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link"> Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link"> How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link"> MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - 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mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates"> Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates"> 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates"> 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates"> VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link"> Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link"> Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link"> Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link"> Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link"> Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target=""> Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target=""> Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024"> Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards"> Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards"> Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub"> <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link"> Explore all loans resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans"> Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit"> Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans"> Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans"> Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link"> Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link"> Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link"> Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link"> Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target=""> Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target=""> Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target=""> Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link"> Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link"> Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link"> Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link"> Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link"> Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link"> HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link"> What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link"> Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link"> Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link"> What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link"> Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link"> Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link"> HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link"> How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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Is it worth the discount? </h1> <div class="grid grid-cols-[max-content_1fr] gap-y-6 sm:gap-y-2 gap-x-2 sm:gap-x-4 items-center relative z-5" data-cy="byline"> <div class="flex px-[0.125rem] row-span-1 sm:row-span-2"> <img srcset="https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 z-15 shrink-0" alt="R.E. Hawley" /> <img srcset="https://www.bankrate.com/2024/02/23133222/Buckley-Amelia-1-scaled.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/02/23133222/Buckley-Amelia-1-scaled.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/02/23133222/Buckley-Amelia-1-scaled.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/02/23133222/Buckley-Amelia-1-scaled.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-5 shrink-0" alt="Amelia Buckley" /> </div> <div class="col-start-2 text-sm text-blue-200"> Written by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('Ms4oov', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-Ms4oov" aria-controls="tooltip-content-Ms4oov" x-bind="trigger" > R.E. Hawley </button>, <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-Ms4oov" aria-hidden="true" aria-labelledby="tooltip-trigger-Ms4oov" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/03/22150523/RE_headshot-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/re-hawley/" class="Link Link--standalone text-gray-900"> R.E. 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Home insurance </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/re-hawley/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="Your car insurance company wants your data. 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Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/amelia-buckley/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="Your car insurance company wants your data. 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})" > <template x-teleport="#modalStack"> <div id="TocModal" class="Modal is-closed Modal--tableOfContents" role="dialog" aria-hidden="true" > <button class="Modal-overlay" data-target="TocModal" aria-label="close" @click="" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" ></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" > <div class="block rounded-t-2xl max-w-[50rem] w-screen overflow-scroll bg-white"> <div class="px-6 pt-6"> <div class="flex items-center justify-between pb-4 border-b border-b-gray-300"> <p class="text-xl font-bold m-0 text-black"> Table of contents </p> <button class="border-none bg-transparent" type="button" data-target="TocModal" aria-label="close" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" > <svg class="fill-black size-3" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg> </button> </div> <div class="my-6 overflow-y-auto max-h-[60vh]"> <ul class="list-none m-0 flex flex-col gap-4"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('the-trust-problem-why-many-drivers-don-t-opt-into-telematics')}" href="#the-trust-problem-why-many-drivers-don-t-opt-into-telematics" data-id="the-trust-problem-why-many-drivers-don-t-opt-into-telematics" @click.prevent="jumpTo('the-trust-problem-why-many-drivers-don-t-opt-into-telematics')" @keydown.space="jumpTo('the-trust-problem-why-many-drivers-don-t-opt-into-telematics')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="The trust problem: Why many drivers don’t opt into telematics" data-position="1" data-text="The trust problem: Why many drivers don’t opt into telematics" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('the-trust-problem-why-many-drivers-don-t-opt-into-telematics') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> The trust problem: Why many drivers don’t opt into telematics </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-data-do-telematics-apps-collect')}" href="#what-data-do-telematics-apps-collect" data-id="what-data-do-telematics-apps-collect" @click.prevent="jumpTo('what-data-do-telematics-apps-collect')" @keydown.space="jumpTo('what-data-do-telematics-apps-collect')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What data do telematics apps collect?" data-position="2" data-text="What data do telematics apps collect?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-data-do-telematics-apps-collect') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> What data do telematics apps collect? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('how-do-insurance-companies-use-telematics-data')}" href="#how-do-insurance-companies-use-telematics-data" data-id="how-do-insurance-companies-use-telematics-data" @click.prevent="jumpTo('how-do-insurance-companies-use-telematics-data')" @keydown.space="jumpTo('how-do-insurance-companies-use-telematics-data')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="How do insurance companies use telematics data?" data-position="3" data-text="How do insurance companies use telematics data?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-do-insurance-companies-use-telematics-data') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> How do insurance companies use telematics data? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('the-state-of-telematics-regulations')}" href="#the-state-of-telematics-regulations" data-id="the-state-of-telematics-regulations" @click.prevent="jumpTo('the-state-of-telematics-regulations')" @keydown.space="jumpTo('the-state-of-telematics-regulations')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="The state of telematics regulations" data-position="4" data-text="The state of telematics regulations" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('the-state-of-telematics-regulations') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> The state of telematics regulations </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('is-telematics-worth-the-risk')}" href="#is-telematics-worth-the-risk" data-id="is-telematics-worth-the-risk" @click.prevent="jumpTo('is-telematics-worth-the-risk')" @keydown.space="jumpTo('is-telematics-worth-the-risk')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Is telematics worth the risk?" data-position="5" data-text="Is telematics worth the risk?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('is-telematics-worth-the-risk') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Is telematics worth the risk? </span> </a> </li> </ul> </div> </div> </div> </div> </div> </template> </div> </div> <div class="article__main-content wysiwyg wysiwyg--lg js-ArticleBody -order-2"> <p>When Seychelle Thomas signed up for a safe driving discount from her car insurance company, she didn’t expect to sign away her privacy.</p> <p>A resident of Maryland, Thomas has auto insurance through Geico. Geico customers are eligible for safe driving discounts through DriveEasy, a telematics program that offers potential premium discounts to customers who agree to let Geico track their driving habits via a mobile app. But when Thomas went to enroll in the DriveEasy program, she encountered some concerning things.</p> <p>“Geico wanted 24/7 location access,” she says. “Access to my audio, electronic and visual data, for some reason.” Uneasy about the level of data access required to sign up, she called a Geico customer service rep to clarify her concerns.</p> <p>“When I raised concerns about the level of permissions they were requesting,” Thomas says, “It was kind of brushed off. Like, ‘Oh, this is normal.’ So I backed out on the second to last step.”</p> <p>In recent years, insurance companies have touted telematics discounts like the one Thomas declined as a potential solution to the steep rate increases drivers have seen in the wake of the COVID-19 pandemic. According to Bankrate’s research, full coverage <a href="https://www.bankrate.com/insurance/car/average-cost-of-car-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="car insurance rates" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">car insurance rates</a> increased by an average of 20 percent from June 2022 to June 2024. Key factors behind these increases include inflation, rising repair costs and an uptick in serious and fatal accidents.</p> <p>With <a href="https://www.bankrate.com/insurance/car/best-car-insurance-companies/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="insurance companies" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK">insurance companies</a> instituting across-the-board rate hikes, there’s a growing sense of injustice to which telematics — car insurance directly based on how an individual actually drives — seems like a perfect answer. But is it? For many drivers, the level of access to personal data that telematics requires in order to work feels intrusive and risky. And finding concrete answers about that data — why it’s needed, how it’s protected and what it might be used for — is surprisingly difficult.</p> <h2 id="the-trust-problem-why-many-drivers-don-t-opt-into-telematics">The trust problem: Why many drivers don’t opt into telematics</h2> <p>In theory, telematics are an effective solution to rising rates. In a 2024 survey by <a href="https://www.cmtelematics.com/report-the-state-of-us-road-risk-in-2024/" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="Cambridge Mobile Telematics (CMT)" data-type="LINK" data-position="3" data-name="article-link" data-outcome="EXTERNALLINK">Cambridge Mobile Telematics (CMT)</a>, the telematics service provider behind many major insurers’ usage-based apps, 92 percent of respondents either agreed or strongly agreed with the statement, “Every driver in the U.S. should pay insurance based on how safe they drive.” </p> <p>Based on those responses, we might expect to see a rate of adoption for telematics products close to or even above 90 percent. After all, the core purpose of telematics is to allow insurers to base rates on how safe an individual driver is, rather than lumping them into a statistical class and charging them based on their age, their location and other factors outside of their control. </p> <p>But in the same CMT survey, only 87 percent expressed a favorable view of usage-based insurance. Moreover, a 2022 study by <a href="https://newsroom.transunion.com/inflation-drives-33-surge-in-auto-telematics-adoption-in-first-quarter-of-2022" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="TransUnion" data-type="LINK" data-position="4" data-name="article-link" data-outcome="EXTERNALLINK">TransUnion</a> found that of drivers who were given the option to enroll in a telematics program, only 65 percent opted in. In the gap between the concept of equitable pricing and the reality of telematics programs, some loss of trust slips in, keeping drivers from enrolling in the very programs that promise them a fairer rate. </p> <p>To understand what’s stopping people from signing up for telematics, we did a deep dive into the data these apps actually collect — and how it’s used. </p> <div class="insurance-widget insurance-widget__base mb-12"> <style>.div-7b28c02d2c18adad .FormInput { border-radius: .25rem; border-width: 1px; display: block; height: 3rem; width: 100%; border-color: rgba(81,82,96,1); background-color: rgba(255,255,255,1); font-size: 1rem; font-style: normal; font-weight: 400; letter-spacing: -.015625rem; line-height: 1.7;padding: .5rem 1rem; color: rgba(21,21,21,1); } .div-7b28c02d2c18adad .FormInput:active,.FormInput:focus { border-width: 2px; border-color: rgba(1,87,255,1); background-color: rgba(234,241,255, 1); outline-width: 0; padding: .4375rem .9375rem; } .div-7b28c02d2c18adad .FormElementHelp { display: block; 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All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> <div> <h2 class="trsy-mb-4 trsy-heading-4 md:trsy-heading-2"> Compare auto insurance rates</h2> <div class="trsy-text-sm trsy-text-gray-700 trsy-leading-6 trsy-w-11/12 md:trsy-text-base"> Answer a few questions to see personalized rates from top carriers.</div> </div> <div class="md:trsy-flex md:trsy-gap-8"> <div class="trsy-flex trsy-flex-col trsy-gap-3 trsy-mb-3 md:trsy-w-1/2 md:trsy-mb-0"> <div class="trsy-flex trsy-justify-between"> <label for="insured-f77c0436-2440-4fa5-84f8-51bcba2bcf11" class="trsy-text-sm trsy-font-sans trsy-font-bold trsy-w-full trsy-flex-nowrap trsy-flex trsy-justify-between trsy-items-center trsy-gap-3"> Are you currently insured?<div class="toggle trsy-flex trsy-items-center"> <div class="toggle__layout trsy-relative trsy-h-6 trsy-w-[3.25rem]"> <input class="toggle__checkbox tsry-opacity-0 trsy-w-0 trsy-h-0" type="checkbox" id="insured-f77c0436-2440-4fa5-84f8-51bcba2bcf11" x-model="insuredOption.userInputField.fieldValue" x-on:change="inputChange(insuredOption)"> <span class="toggle__switch trsy-absolute trsy-bg-gray-400 trsy-inset-0 trsy-cursor-pointer trsy-transition-all trsy-duration-300 trsy-rounded-[1.25rem] before:trsy-absolute before:trsy-size-5 before:trsy-left-0.5 before:trsy-bottom-0.5 before:trsy-bg-white before:trsy-transtion-all before:trsy-duration-300 before:trsy-rounded-full before:trsy-text-center before:trsy-text-white before:trsy-content-['✓'] after:trsy-bg-gray-700 after:trsy-rounded-[0.3125rem] [input:checked+&]:trsy-bg-blue-600 [input:checked+&]:before:trsy-translate-x-[1.625rem] [input:checked+&]:before:trsy-left-1 [input:checked+&]:before:trsy-text-blue-600 [input:focus-visible+&]:trsy-ring-blue-600 trsy-ring-transparent trsy-ring-2 trsy-ring-offset-2"></span> </div> <span class="toggle__state trsy-pl-2 trsy-text-sm trsy-w-7 trsy-font-normal trsy-text-gray-700" x-text="optionDisplayValue(insuredOption)"></span> </div></label> </div> <div class="trsy-flex trsy-justify-between"> <label for="multipleVehicles-c752bb5e-8555-4371-8b1d-0b3ea2c2600e" class="trsy-text-sm trsy-font-sans trsy-font-bold trsy-w-full trsy-flex-nowrap trsy-flex trsy-justify-between trsy-items-center trsy-gap-3"> Are you insuring multiple vehicles?<div class="toggle trsy-flex trsy-items-center"> <div class="toggle__layout trsy-relative trsy-h-6 trsy-w-[3.25rem]"> <input class="toggle__checkbox tsry-opacity-0 trsy-w-0 trsy-h-0" type="checkbox" id="multipleVehicles-c752bb5e-8555-4371-8b1d-0b3ea2c2600e" x-model="multipleVehiclesOption.userInputField.fieldValue" x-on:change="inputChange(multipleVehiclesOption)"> <span class="toggle__switch trsy-absolute trsy-bg-gray-400 trsy-inset-0 trsy-cursor-pointer trsy-transition-all trsy-duration-300 trsy-rounded-[1.25rem] before:trsy-absolute before:trsy-size-5 before:trsy-left-0.5 before:trsy-bottom-0.5 before:trsy-bg-white before:trsy-transtion-all before:trsy-duration-300 before:trsy-rounded-full before:trsy-text-center before:trsy-text-white before:trsy-content-['✓'] after:trsy-bg-gray-700 after:trsy-rounded-[0.3125rem] [input:checked+&]:trsy-bg-blue-600 [input:checked+&]:before:trsy-translate-x-[1.625rem] [input:checked+&]:before:trsy-left-1 [input:checked+&]:before:trsy-text-blue-600 [input:focus-visible+&]:trsy-ring-blue-600 trsy-ring-transparent trsy-ring-2 trsy-ring-offset-2"></span> </div> <span class="toggle__state trsy-pl-2 trsy-text-sm trsy-w-7 trsy-font-normal trsy-text-gray-700" x-text="optionDisplayValue(multipleVehiclesOption)"></span> </div></label> </div> <div class="trsy-flex trsy-justify-between"> <label for="homeowner-d8f221fe-9411-469a-bced-6806ad752225" class="trsy-text-sm trsy-font-sans trsy-font-bold trsy-w-full trsy-flex-nowrap trsy-flex trsy-justify-between trsy-items-center trsy-gap-3"> Are you a homeowner?<div class="toggle trsy-flex trsy-items-center"> <div class="toggle__layout trsy-relative trsy-h-6 trsy-w-[3.25rem]"> <input class="toggle__checkbox tsry-opacity-0 trsy-w-0 trsy-h-0" type="checkbox" id="homeowner-d8f221fe-9411-469a-bced-6806ad752225" x-model="homeownerOption.userInputField.fieldValue" x-on:change="inputChange(homeownerOption)"> <span class="toggle__switch trsy-absolute trsy-bg-gray-400 trsy-inset-0 trsy-cursor-pointer trsy-transition-all trsy-duration-300 trsy-rounded-[1.25rem] before:trsy-absolute before:trsy-size-5 before:trsy-left-0.5 before:trsy-bottom-0.5 before:trsy-bg-white before:trsy-transtion-all before:trsy-duration-300 before:trsy-rounded-full before:trsy-text-center before:trsy-text-white before:trsy-content-['✓'] after:trsy-bg-gray-700 after:trsy-rounded-[0.3125rem] [input:checked+&]:trsy-bg-blue-600 [input:checked+&]:before:trsy-translate-x-[1.625rem] [input:checked+&]:before:trsy-left-1 [input:checked+&]:before:trsy-text-blue-600 [input:focus-visible+&]:trsy-ring-blue-600 trsy-ring-transparent trsy-ring-2 trsy-ring-offset-2"></span> </div> <span class="toggle__state trsy-pl-2 trsy-text-sm trsy-w-7 trsy-font-normal trsy-text-gray-700" x-text="optionDisplayValue(homeownerOption)"></span> </div></label> </div> </div> <div class="md:trsy-flex md:trsy-justify-between md:trsy-items-center md:trsy-gap-6 md:tsry-w-1/2"> <div> <div x-data x-id="['input']" class="FormControl" x-bind:class="{ 'is-error': zipInput.hasError }"> <label x-bind:for="$id('input')" class="FormLabel text-sm md:pb-1"> ZIP Code</label> <input x-bind:id="$id('input')" class="FormInput" name="zip_code_input" maxlength="5" x-model="zipInput.userInputField.fieldValue" x-on:keypress="onlyNumbers"> <span class="absolute right-1 text-gray-700 bottom-4 pointer-events-none pr-4 leading-none h-4"> <span class="icon icon-size"> <svg class="h-4" width="16" height="20" viewbox="0 0 16 20" xmlns="http://www.w3.org/2000/svg"> <title>Location-Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M8 20C2.66667 15.3333 0 11.3333 0 8C0 3 3.58172 0 8 0C12.4183 0 16 3 16 8C16 11.3333 13.3333 15.3333 8 20ZM2 8C2 10.3626 3.95475 13.5154 8 17.3039C12.0453 13.5154 14 10.3626 14 8C14 4.32919 11.5476 2 8 2C4.45236 2 2 4.32919 2 8ZM8 11C6.34315 11 5 9.65685 5 8C5 6.34315 6.34315 5 8 5C9.65685 5 11 6.34315 11 8C11 9.65685 9.65685 11 8 11Z" fill="#151515"></path> </svg> </span> </span> </div> <span class="FormElementHelp mt-1 text-center text-xs md:pt-1" x-show="!zipInput.hasError"> Your information is kept secure</span> <span class="FormElementHelp is-error text-xs mt-1" x-cloak="x-cloak" x-show="zipInput.hasError" x-text="zipInput.errorMessage"> </span> </div> <div class="trsy-pt-4 trsy-text-center min-[62.4375em]:max-[72.75em]:trsy-mb-5 md:trsy-pt-0 md:trsy-w-44"> <button type="submit" class="Button Button--primary w-full" @click="submitForm()" x-bind:disabled="!isFormValid()"> Continue</button> </div> </div> </div> <div> <div class="flex flex-col md:flex-row items-center mb-1 justify-center md:hidden" data-cy="disclosure-container"> <p class="mb-0 text-xs text-gray-700">Powered by Coverage.com (NPN: 19966249)</p> <div class="flex items-center mt-2 md-mt-0"> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4 hidden md:block"></div> <div class="relative text-xs" x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="inline-block Link hover:text-blue-700" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="text-xs mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> <div class="insurance-widget insurance-widget__preamp mb-12 hidden"> <style>.div-0b0e1c0d128b32d2 .FormInput { border-radius: .25rem; border-width: 1px; display: block; height: 3rem; width: 100%; border-color: rgba(81,82,96,1); background-color: rgba(255,255,255,1); font-size: 1rem; font-style: normal; font-weight: 400; letter-spacing: -.015625rem; line-height: 1.7;padding: .5rem 1rem; color: rgba(21,21,21,1); } .div-0b0e1c0d128b32d2 .FormInput:active,.FormInput:focus { border-width: 2px; border-color: rgba(1,87,255,1); background-color: rgba(234,241,255, 1); outline-width: 0; padding: .4375rem .9375rem; } .div-0b0e1c0d128b32d2 .FormElementHelp { display: block; font-family: var(--font-family-sans); font-size: .875rem; font-style: normal; line-height: 1.7; color: rgba(81,82,96,1); }</style> <div class="div-0b0e1c0d128b32d2"> <style>.div-802fef7656c6c25d .shadow-lg { box-shadow: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1); } .div-802fef7656c6c25d .rounded-lg { border-radius: 0.5rem; } .div-802fef7656c6c25d .bg-gray-400 { background-color: #cbd5e0; } .div-802fef7656c6c25d .h-3 { height: 0.75rem; } .div-802fef7656c6c25d .w-px { width: 1px; } .div-802fef7656c6c25d .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-802fef7656c6c25d .hover:text-blue-700 { color: rgb(29 78 216); } .div-802fef7656c6c25d .bg-auto { background-size: auto; } .div-802fef7656c6c25d .max-w-md { max-width: 28rem; } .div-802fef7656c6c25d .bg-gray-400 { background-color: #cbd5e0; } .div-802fef7656c6c25d .h-3 { height: 0.75rem; } .div-802fef7656c6c25d .w-px { width: 1px; } .div-802fef7656c6c25d .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-802fef7656c6c25d .hover:text-blue-700 { color: rgb(29 78 216); } .div-802fef7656c6c25d .bg-auto { background-size: auto; } .div-802fef7656c6c25d .max-w-md { max-width: 28rem; } .div-802fef7656c6c25d .right-1 { right: 0.25rem; } .div-802fef7656c6c25d .bottom-4 { bottom: 1rem; } .div-802fef7656c6c25d .bg-gray-400 { background-color: #cbd5e0; } .div-802fef7656c6c25d .h-3 { height: 0.75rem; } .div-802fef7656c6c25d .w-px { width: 1px; } .div-802fef7656c6c25d .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-802fef7656c6c25d .hover:text-blue-700 { color: rgb(29 78 216); } .div-802fef7656c6c25d .bg-auto { background-size: auto; } .div-802fef7656c6c25d .max-w-md { max-width: 28rem; } .div-802fef7656c6c25d .bg-gray-400 { background-color: #cbd5e0; } .div-802fef7656c6c25d .h-3 { height: 0.75rem; } .div-802fef7656c6c25d .w-px { width: 1px; } .div-802fef7656c6c25d .mx-2 { margin-left: 0.5rem; margin-right: 0.5rem; } .div-802fef7656c6c25d .hover:text-blue-700 { color: rgb(29 78 216); } .div-802fef7656c6c25d .bg-auto { background-size: auto; } .div-802fef7656c6c25d .max-w-md { max-width: 28rem; } @media (min-width: 768px) { .div-802fef7656c6c25d .md-mt-0 { margin-top: 0; } .div-802fef7656c6c25d .md-mx-4 { margin-left: 1rem; margin-right: 1rem; } .div-802fef7656c6c25d .md-flex { display: flex; } }</style> <div class="div-802fef7656c6c25d"><div class="rate-table-car-insurance shadow-lg rounded-lg p-6 md:px-6 md:pb-6" x-data="rateTableCarInsurance( '0', true, null, null, false, )"> <div class="trsy-grid trsy-grid-row-span-3 trsy-gap-4 md:trsy-gap-6 md:-trsy-mb-6"> <div class="trsy-grid-cols-4 trsy-tracking-tight min-[62.4375em]:max-[78.0625em]:trsy-grid-cols-6 md:trsy-grid"> <span class="min-[62.4375em]:max-[78.0625em]:trsy-col-span-2"> <img src="https://www.bankrate.com/v5.1514.2/next/img/insurance/bankrate-and-coverage-logo.png" class="trsy-w-40" alt="Bankrate and Coverage Logo"> </span> <div class="trsy-hidden min-[62.4375em]:trsy-grid trsy-col-span-3 trsy-justify-end min-[62.4375em]:max-[78.0625em]:trsy-col-span-4 min-[62.4375em]:max-[78.0625em]:trsy-col-start-3"> <div class="flex flex-col md:flex-row items-center mb-1 justify-center" data-cy="disclosure-container"> <p class="mb-0 text-xs text-gray-700">Powered by Coverage.com (NPN: 19966249)</p> <div class="flex items-center mt-2 md-mt-0"> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4 hidden md:block"></div> <div class="relative text-xs" x-data="{ advertisingDisclosureOpen: false }" data-cy="advertiser-disclosure"> <a class="inline-block Link hover:text-blue-700" @click.prevent="advertisingDisclosureOpen = !advertisingDisclosureOpen" @click.away="advertisingDisclosureOpen = false" href="#"> Advertising disclosure </a> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 text-left" x-cloak x-show="advertisingDisclosureOpen" style="width: 16.875rem; left: -25%; top: 1.25rem;" data-cy="advertiser-disclosure-content"> <div class="text-xs mb-0"> This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. </div> </div> </div> <div class="bg-gray-400 h-3 w-px mx-2 md-mx-4"></div> <div x-data="{ insuranceDisclosureOpen: false }" class="insurance-disclosure text-xs relative" data-cy="insurance-disclosure"> <div class="mb-0 md-flex justify-center items-baseline"> <a href="#" class="ad-disclosure-btn inline-block Link hover:text-blue-700" @click.prevent="insuranceDisclosureOpen = !insuranceDisclosureOpen" @click.away="insuranceDisclosureOpen = false"> Insurance disclosure </a> </div> <div class="absolute bg-white bg-auto border border-blue-600 max-w-md z-10 p-2 mt-2 right text-left" x-cloak x-show="insuranceDisclosureOpen" style="width: 16.875rem; right: -25%; top: 1.25rem;" data-cy="insurance-disclosure-content"> <p class="text-xs mb-0"> Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in <a href="https://www.coverage.com/insurance-licenses/" target="_blank">states where it is licensed</a>. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. </p> </div> </div> </div> </div> </div> </div> <div> <h2 class="trsy-mb-4 trsy-heading-4 md:trsy-heading-2"> Compare auto insurance rates</h2> <div class="trsy-text-sm trsy-text-gray-700 trsy-leading-6 trsy-w-11/12 md:trsy-text-base"> Answer a few questions to see personalized rates from top carriers.</div> </div> <div class="md:trsy-flex md:trsy-gap-8"> <div class="trsy-flex trsy-flex-col trsy-gap-3 trsy-mb-3 md:trsy-w-1/2 md:trsy-mb-0"> <div class="trsy-flex trsy-justify-between"> <label for="insured-5aaf99ad-fd3e-4453-b03b-ecfa189ce62e" class="trsy-text-sm trsy-font-sans trsy-font-bold trsy-w-full trsy-flex-nowrap trsy-flex trsy-justify-between trsy-items-center trsy-gap-3"> Are you currently insured?<div class="toggle trsy-flex trsy-items-center"> <div class="toggle__layout trsy-relative trsy-h-6 trsy-w-[3.25rem]"> <input class="toggle__checkbox tsry-opacity-0 trsy-w-0 trsy-h-0" type="checkbox" id="insured-5aaf99ad-fd3e-4453-b03b-ecfa189ce62e" x-model="insuredOption.userInputField.fieldValue" x-on:change="inputChange(insuredOption)"> <span class="toggle__switch trsy-absolute trsy-bg-gray-400 trsy-inset-0 trsy-cursor-pointer trsy-transition-all trsy-duration-300 trsy-rounded-[1.25rem] before:trsy-absolute before:trsy-size-5 before:trsy-left-0.5 before:trsy-bottom-0.5 before:trsy-bg-white before:trsy-transtion-all before:trsy-duration-300 before:trsy-rounded-full before:trsy-text-center before:trsy-text-white before:trsy-content-['✓'] after:trsy-bg-gray-700 after:trsy-rounded-[0.3125rem] [input:checked+&]:trsy-bg-blue-600 [input:checked+&]:before:trsy-translate-x-[1.625rem] [input:checked+&]:before:trsy-left-1 [input:checked+&]:before:trsy-text-blue-600 [input:focus-visible+&]:trsy-ring-blue-600 trsy-ring-transparent trsy-ring-2 trsy-ring-offset-2"></span> </div> <span class="toggle__state trsy-pl-2 trsy-text-sm trsy-w-7 trsy-font-normal trsy-text-gray-700" x-text="optionDisplayValue(insuredOption)"></span> </div></label> </div> <div class="trsy-flex trsy-justify-between"> <label for="multipleVehicles-bb009147-f0ab-4ef9-9214-f0d0a067ccf9" class="trsy-text-sm trsy-font-sans trsy-font-bold trsy-w-full trsy-flex-nowrap trsy-flex trsy-justify-between trsy-items-center trsy-gap-3"> Are you insuring multiple vehicles?<div class="toggle trsy-flex trsy-items-center"> <div class="toggle__layout trsy-relative trsy-h-6 trsy-w-[3.25rem]"> <input class="toggle__checkbox tsry-opacity-0 trsy-w-0 trsy-h-0" type="checkbox" id="multipleVehicles-bb009147-f0ab-4ef9-9214-f0d0a067ccf9" x-model="multipleVehiclesOption.userInputField.fieldValue" x-on:change="inputChange(multipleVehiclesOption)"> <span class="toggle__switch trsy-absolute trsy-bg-gray-400 trsy-inset-0 trsy-cursor-pointer trsy-transition-all trsy-duration-300 trsy-rounded-[1.25rem] before:trsy-absolute before:trsy-size-5 before:trsy-left-0.5 before:trsy-bottom-0.5 before:trsy-bg-white before:trsy-transtion-all before:trsy-duration-300 before:trsy-rounded-full before:trsy-text-center before:trsy-text-white before:trsy-content-['✓'] after:trsy-bg-gray-700 after:trsy-rounded-[0.3125rem] [input:checked+&]:trsy-bg-blue-600 [input:checked+&]:before:trsy-translate-x-[1.625rem] [input:checked+&]:before:trsy-left-1 [input:checked+&]:before:trsy-text-blue-600 [input:focus-visible+&]:trsy-ring-blue-600 trsy-ring-transparent trsy-ring-2 trsy-ring-offset-2"></span> </div> <span class="toggle__state trsy-pl-2 trsy-text-sm trsy-w-7 trsy-font-normal trsy-text-gray-700" x-text="optionDisplayValue(multipleVehiclesOption)"></span> </div></label> </div> <div class="trsy-flex trsy-justify-between"> <label for="homeowner-57d1a72a-0a57-491c-b1fd-efd67efe7f63" class="trsy-text-sm trsy-font-sans trsy-font-bold trsy-w-full trsy-flex-nowrap trsy-flex trsy-justify-between trsy-items-center trsy-gap-3"> Are you a homeowner?<div class="toggle trsy-flex trsy-items-center"> <div 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Is it worth the discount?" data-outcome>What data do telematics apps collect?</h2> <p>A banner on Geico’s <a href="https://www.geico.com/driveeasy/" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="DriveEasy" data-type="LINK" data-position="5" data-name="article-link" data-outcome="EXTERNALLINK">DriveEasy</a> home page reads: “We measure what matters.” But “what matters” when it comes to auto insurance telematics is not transparently obvious. </p> <p>According to the website, DriveEasy uses eight factors to calculate a driving score: <a href="https://www.bankrate.com/insurance/car/distracted-driving/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="distracted driving" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK">distracted driving</a>, braking and acceleration, cornering, smoothness, time of day, distance driven, route regularity, and weather and road conditions. These factors impact the insured participant’s premium. The driving score is applied 45 days after the start of the policy period, and rates are updated at each renewal if the driver continues to log their driving in the app. </p> <p>Compared to other major insurers’ <a href="https://www.bankrate.com/insurance/car/telematics-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="telematics apps" data-type="LINK" data-position="7" data-name="article-link" data-outcome="INTERNALLINK">telematics apps</a>, DriveEasy’s definition of “what matters” requires more extensive data collection, with eight separate factors going into the DriveEasy driving score. By comparison, Progressive’s Snapshot and State Farm’s Drive Safe & Save only track five factors each, while Allstate’s Drivewise program bases discounts on just three factors: harsh braking events, high speed events and late-night driving. </p> <div class="w-full overflow-x-auto"><table class="Table Table--text Table--fixed Table--bordered Table--spacing1 table-inline wrapped"> <thead class="table-inline__header-row"> <tr> <th class="table-inline__header-cell">Factor</th> <th class="table-inline__header-cell"><a href="https://www.bankrate.com/insurance/car/geico-driveeasy/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Geico DriveEasy" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK">Geico DriveEasy</a></th> <th class="table-inline__header-cell"><a href="https://www.bankrate.com/insurance/car/progressive-snapshot/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Progressive Snapshot" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">Progressive Snapshot</a></th> <th class="table-inline__header-cell"> <a href="https://www.bankrate.com/insurance/car/state-farm-drive-safe-and-save/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="State Farm Drive Safe & Save" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">State Farm Drive Safe & Save</a> </th> <th class="table-inline__header-cell"><a href="https://www.bankrate.com/insurance/car/allstate-drivewise/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Allstate Drivewise" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">Allstate Drivewise</a></th> </tr> </thead> <tbody> <tr> <td>Braking/acceleration</td> <td>x</td> <td>x</td> <td>x</td> <td>x</td> </tr> <tr> <td>Phone use</td> <td>x</td> <td>x</td> <td>x</td> <td></td> </tr> <tr> <td>Speeding</td> <td></td> <td>x</td> <td>x</td> <td>x</td> </tr> <tr> <td>Time of day</td> <td>x</td> <td>x</td> <td></td> <td>x</td> </tr> <tr> <td>Mileage</td> <td>x</td> <td>x</td> <td>x</td> <td></td> </tr> <tr> <td>Cornering</td> <td>x</td> <td></td> <td>x</td> <td></td> </tr> <tr> <td>Smoothness</td> <td>x</td> <td></td> <td></td> <td></td> </tr> <tr> <td>Route regularity</td> <td>x</td> <td></td> <td></td> <td></td> </tr> <tr> <td>Weather/road conditions</td> <td>x</td> <td></td> <td></td> <td></td> </tr> </tbody> </table></div> <p>But the individual factors used to calculate driving scores and discounts for telematics programs are just the tip of a large data iceberg — and they don’t spring out of telematics apps neatly packaged. In order to track a driver’s braking and speeding habits, for instance, telematics providers need to access geolocation data. Measuring driver distraction — a huge predictor of accident risk — means intimate access to your phone use.</p> <p>In Geico’s official privacy policy, a disclosure mandated by California law, sheds light on the many categories of personal data which may be collected and used alongside driving data, including financial identifiers like bank account and credit card numbers, online search and browsing history, and IP address, location data and education or employment history.</p> <p>Users of Allstate’s Drivewise app with questions about the data the app collects will be directed to the privacy statement of telematics service provider <a href="https://arity.com/privacy/" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="Arity" data-type="LINK" data-position="12" data-name="article-link" data-outcome="EXTERNALLINK">Arity</a>, which states that in addition to geolocation data, Arity collections information including personal identifiers (e.g. name, Social Security number and IP address), demographic information including race and ethnicity, purchasing and consuming histories (or “tendencies”), browsing history, search history, audio and electronic information, and what Arity calls “inferences”: the key factors like braking, acceleration, cornering and speeding behavior on which telematics discounts are based.</p> <p>In other words, when you download an insurer’s telematics app, you agree to have your driving tracked and absorbed into a vast cloud of data that paints a picture of you as an insurance consumer. Only a small portion of that data — inferences derived from more granular data points such as geolocation and vehicle data — will directly impact your insurance premium.</p> <p>So where does the rest of the data go?</p> <h2 id="how-do-insurance-companies-use-telematics-data">How do insurance companies use telematics data?</h2> <p>Michael DeLong, a researcher at the Consumer Federation of America (CFA), has been studying consumer protections for auto insurance telematics for some time. “Most states don’t have the laws or restrictions” on this data, he says, “so companies can collect all kinds of telematics data and do whatever they want with it.”</p> <p>Geico’s privacy policy states that Geico uses customers’ personal information for “a variety of purposes,” from core business purposes such as processing applications and handling claims to market analysis, tailoring web and app content, fraud detection and “for other purposes as permitted by law or to which you consent.” On the DriveEasy FAQ page, Geico states that driving data is never used to access customers’ contacts, phone calls or messages; to report speeding violations to law enforcement; or to sell or share consumer data with third parties.</p> <p>Those guardrails leave Geico with a lot of freedom to use customer data in ways that might not benefit policyholders, such as by raising premiums or placing customers in a less favorable rate tier. “In practice,” DeLong says, “if you don’t have any consumer protections on telematics data, your auto insurance rate could be going up, and going up for reasons that are beyond your control.”</p> <div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0"> <div class="ImageContainer"> <div class="AuthorAvatar AvatarQuote shrink-0" style="background-image: url(https://www.bankrate.com/brp/2024/08/13151923/michael-delong.png?width=240&height=240&fit=cover&enable=upscale&crop=1:1,smart)"></div> </div> <blockquote class="BlockQuote-text text-center md:text-left"> <q>We already give up a lot of data and privacy to corporations, and we shouldn’t be giving all of this information up to insurance companies. We want insurance to be used to accurately match rates to risk and to help consumers; we don’t want people and their information to become products.</q> <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"> — Michael DeLong, Research and Advocacy Associate, Consumer Federation of America (CFA) </cite> </blockquote> </div> <h2 id="the-state-of-telematics-regulations">The state of telematics regulations</h2> <p>Most states have few to no restrictions on auto insurance telematics. California and New York stand out as the major exceptions, with a few states considering potential legislation that could impact telematics in the future.</p> <p>Legal restrictions on telematics are strongest in California, where insurers can only base auto insurance rates on a <a href="https://www.bankrate.com/insurance/car/rate-factors/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="limited list of factors" data-type="LINK" data-position="13" data-name="article-link" data-outcome="INTERNALLINK">limited list of factors</a>, such as an insured’s driving record, years of experience and annual mileage. Those restrictions make it impractical for insurers to offer telematics programs in the state unless they’re based entirely on mileage, not safety data. California also has some of the <a href="https://oag.ca.gov/privacy/ccpa" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="strongest consumer data privacy protections" data-type="LINK" data-position="14" data-name="article-link" data-outcome="EXTERNALLINK">strongest consumer data privacy protections</a> of any U.S. state, making it a complicated landscape for telematics.</p> <p>New York offers an example of strict regulations with more leeway for telematics: insurers are permitted to offer these programs, but their data use is reined in by a set of <a href="https://aicp.net/wp-content/uploads/2020/12/NY_DFS_UBI_PC_Guidelines_including_Smartphone_Apps_25_April_2019.pdf" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="usage-based insurance guidelines" data-type="LINK" data-position="15" data-name="article-link" data-outcome="EXTERNALLINK">usage-based insurance guidelines</a> that require all programs to be reviewed by the Department of Financial Services prior to approval. One key requirement of New York’s UBI guidelines is that insurers can’t use telematics data to negatively affect customers — in other words, telematics can only yield a discount in New York, not a rate increase.</p> <p>Outside of New York and California, very few states have any legislation specifically regulating telematics. Some states, like <a href="https://app.leg.wa.gov/RCW/default.aspx?cite=48.18.600" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="Washington" data-type="LINK" data-position="16" data-name="article-link" data-outcome="EXTERNALLINK">Washington</a>, require specific notification and consent for the collection of location data through telematics apps, while other states, like Montana, have <a href="https://leg.mt.gov/bills/2023/HB0199/HB0182_1.pdf" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="considered legislation" data-type="LINK" data-position="17" data-name="article-link" data-outcome="EXTERNALLINK">considered legislation</a> that would prevent insurers from making telematics adoption a condition for coverage. Telematics regulation is still in its infancy as policymakers catch up to the technology that makes the discounts possible.</p> <h2 id="is-telematics-worth-the-risk">Is telematics worth the risk?</h2> <p>The lack of consistent consumer protections raises concerns for many customers and advocates — but do the legal risks outweigh the potential benefits of enrolling in a telematics program?</p> <p>Omri Ben-Shahar, a professor at the University of Chicago Law School and one of the leading legal scholars studying auto insurance telematics, says yes. In a 2023 article for the <em>Journal of Legal Analysis</em>, Ben-Shahar argues that the potential privacy risks associated with auto insurance telematics don’t pose a serious legal problem — and that, in fact, they may be a distraction from the “clear net social value” offered by these programs. Driving, he argues, is fundamentally not private; it’s a public act with public impacts that don’t require the same protections as other categories of personal data.</p> <p>“When consumers join a usage based insurance [program],” he says, “the most likely result is that their premium will go down for the simple reason that their insurers track how their driving is becoming safer.” In other words, when drivers know that their insurers are tracking them — and that their future rates will be based on what the insurance company observes — they drive more safely. “Good drivers,” Ben-Shahar says, “have nothing to hide, and bad drivers — well, here’s an opportunity to trade away some marginal privacy interests for a plan that will reduce their likelihood of fatal collision by roughly 30 percent.”</p> <p>To weigh the benefits of telematics against the risks, let’s take a closer look at the benefits proponents point to for usage-based insurance programs: increased safety and more equitable pricing.</p> <h3>Telematics can increase driving safety</h3> <p>A study conducted by the <a href="https://www.nber.org/system/files/working_papers/w29096/w29096.pdf" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="National Bureau of Economic Research" data-type="LINK" data-position="18" data-name="article-link" data-outcome="EXTERNALLINK">National Bureau of Economic Research</a> from 2012 to 2016 found that drivers became approximately 30 percent safer during their telematics monitoring period. A <a href="https://news.ubc.ca/wp-content/uploads/2017/06/UBI_Paper_Latex_Marketing_Science-with-name.pdf" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="similar study" data-type="LINK" data-position="19" data-name="article-link" data-outcome="EXTERNALLINK">similar study</a> published in 2017 by researchers at the University of British Columbia and Purdue University gave more nuanced findings: while not all unsafe driving habits diminished during telematics monitoring, hard braking was reduced by 21 percent over a six-month period. The study also noted that young drivers and women were more likely to see improvements in driving safety compared to older drivers and men.</p> <h3>Telematics can result in fairer premiums</h3> <p>Just how much could telematics actually save you? The data varies, and insurers aren’t always open about the results drivers get. Allstate advertises the highest potential discount at 40 percent. “We think that’s the maximum statistic,” DeLong says — so don’t expect your premium to be cut in half by telematics.</p> <p>Progressive, the only major insurer that shares its average telematics discount amount, reports an average savings of $231 per year for Snapshot enrollees, but cautions that “about 2 out of 10 drivers actually get an increase.” Soleymanian et. al’s study found that the average discount for customers is around 12 percent, while Cambridge Mobile Telematics reports that in 2024, 72 percent of telematics customers saved at least $100 on their premiums, with 21 percent saving over $300 per year. Just one percent of CMT users reported seeing their rates go up.</p> <div class="BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0"> <div class="ImageContainer"> <div class="AuthorAvatar AvatarQuote shrink-0" style="background-image: url(https://www.bankrate.com/2024/01/19090717/Natasha-bio-pic.jpeg?width=240&height=240&fit=cover&enable=upscale&crop=1:1,smart)"></div> </div> <blockquote class="BlockQuote-text text-center md:text-left"> <q>I use State Farm's Drive and Save telematics program. Because the device is in my car, it obviously assumes I'm the driver. But if my boyfriend is driving and I'm the passenger, I can go into that specific trip and set myself as a passenger so it doesn't ding me if I use my phone. Through the app, I can also pop into the FAQs where they answer questions like ‘Who has access to my data’ and ‘How long do you keep my data,’ etc.</q> <cite class="PullQuote-cite text-gray-900 ml-0 md:ml-4"> — Natasha Cornelius, Insurance Editor, Bankrate </cite> </blockquote> </div> <p>However, concerns about pricing equity remain. For example, late-night driving — a factor tracked by three out of the four major insurer telematics apps — has the potential to introduce unintentional bias into telematics. Low-income drivers working night-shift jobs are more likely to regularly drive during hours flagged as “high risk” by auto insurance telematics. It’s a real dilemma for insurance companies trying to balance accurate risk calculations and fair pricing, DeLong says: “While driving at night, visibility is not as good, and people are less alert,” but using this metric to determine premiums “could also have really big impacts on people who are lower income and therefore especially on Black and Latino consumers.”</p> <h2>The bottom line: Transparency and consumer education are essential next steps</h2> <p>Telematics offers a unique one-two punch to the problem of <a href="https://www.bankrate.com/insurance/what-is-social-inflation/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="rising auto insurance rates" data-type="LINK" data-position="20" data-name="article-link" data-outcome="INTERNALLINK">rising auto insurance rates</a>: in addition to delivering discounts to individual drivers, it has the potential to reduce unsafe driving across the board. With fewer accidents and claims, insurance companies might ease off on rate hikes.</p> <p>But enrolling in telematics still requires a leap of faith. Technology often moves faster than the law, and as of 2024, state lawmakers, legal scholars and insurance companies are all playing catch-up, trying to grapple with the implications of the technology that allows insurers to base premiums directly on individuals’ driving behavior. The promise of telematics is there, but legal protections to ensure that it doesn’t introduce new risks to drivers haven’t yet materialized in most places.</p> <p>What’s needed to protect consumers along the way? “Transparency,” says DeLong. The more information consumers have access to about how telematics works — the data that’s collected, how it’s used and how it impacts their premiums — the more willing they may be to opt in to such programs. Comprehensive data privacy laws and state regulations that require insurers to submit telematics programs for review and conduct studies to prevent unintentional bias may go a long way toward ensuring consumer protections for telematics as the industry grows.</p> </div> <div id="top-funnel-content-end" class="text-center" > </div> <div class="flex flex-wrap gap-x-1 gap-y-4 justify-between w-full mb-10">  <button data-beam-element-clicked id="cite_us_article_button" data-type="button" data-location="Your car insurance company wants your data. 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Is it worth the discount?" data-name="footer_author_button" data-position="footer" data-text="read_more_from_author" data-outcome="open author's page" href="https://www.bankrate.com/authors/re-hawley/" class="transition-all cursor-pointer font-sans font-bold inline-flex justify-center items-center text-center no-underline tracking-tighter focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-2 focus-visible:ring-blue-600 border-2 rounded group py-2 px-4 min-h-10 text-sm sm:text-md sm:leading-none bg-white border-blue-600 text-blue-600 hover:border-blue-600 hover:bg-blue-600 hover:text-white focus-visible:border-blue-600 focus-visible:bg-blue-600 focus-visible:text-white active:border-blue-700 active:bg-blue-700 active:text-white" > <span class="text-base px-6"> Read more from R.E. </span> </a>  </div> </div> <div class="border-t border-gray-200 mt-4 pt-4 text-gray-700 tracking-tight sm:pt-6"> R.E. Hawley is a senior writer for Bankrate. 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