Your ultimate cheap auto insurance quotes comparison and shopping guide, online and offline.
For many months now the price of fuel has been increasing in many countries - but that’s not the case for every country around the world.
We looked at the current fuel costs for the countries deemed the top 50 countries in the world (by population) and found that Venezuela has the cheapest fuel costs around the world, while Germany is the most expensive. Whether you’re comparing gallons in US dollars or litres in UK pounds, Germany is 87-88 times more expensive!
Check out how your country compares to others around the world with the images below:
The price of fuel in US dollars, looking at the price per gallon
The cheapest countries for fuel are Venezuela ($0.095 per gallon), Iran ($0.194) and Algeria ($0.216), while the most expensive are Germany ($8.263), Italy ($8.009) and France ($7.930).
America ranks 24th on the list at $4.460.
The price of fuel in UK pounds, looking at the price per litre
The cheapest countries for fuel are Venezuela (£0.019 per litre), Iran (£0.039) and Algeria (£0.245), while the most expensive are Germany (£1.666), Italy (£1.615) and France (£1.599).
The United Kingdom ranks 43rd on the list at £1.556.
* Data was readily available for 46 of the top 50 countries by population.
How to Compare Car Insurance Quotes and Get Cheap Auto Insurance Online
So your old auto insurance policy is expiring, you canceled your previous policy, or you just purchased a new vehicle. Mazel tov! Now it's time to compare car insurance quotes from the best auto insurers and get the best coverage for your precise requirements at the cheapest rate.
While auto insurance can become time-consuming, expensive, and frustrating to deal with, it is a must for you to follow national and state-mandatory laws and regulations that passed legislation to protect drivers from unexpected financial loss that involves driving and vehicle ownership.
The following guide will open your eyes and raise your awareness about the different options available today for those looking to compare car insurance quotes, companies, coverages, and plans in the most beneficial way, whether online, on the phone, or to face. It includes expert and customer reviews so you can make the best decisions for your auto insurance needs which will positively affect your life—and your wallet!
It covers car insurances from the bottom-up—definitions, facts and statistics, explanation of terms, types of auto insurance, customer reviews and expert reviews of different auto insurance companies, products, comparison sites, and services, as well as guidance on the best ways in which you can compare and find a good yet cheap auto insurance quotes, for free, and buy car insurance online. So get yourself some coffee, sit back, scroll down and read on!
Car insurance quotes are estimates for what your auto insurance policy would cost and cover the carriers given by auto insurance companies. The carrier estimates these quotes and can also be served by licensed car insurance agencies, agents, brokers, aggregators, and comparison sites.
Auto insurance quotes are determined by the information given to the quote provider. The more you provide relevant information, the more accurate the car insurance quotes you get are going to be. Mostly, your quotes are personalized and tailored to your own specific needs based on your precise risk profile as you state essential factors that determine the given car insurance quotes, such as:
Explore our car insurance studies:
Below are some auto insurance quotes examples of different driver types. The table shows the average annual auto insurance quotes for drivers on various conditions. It gives a good idea of what your quotes should approximately be under these conditions. Still, of course, many other factors determine your rates.
Driver Status | Average Annual Quote |
---|---|
Good credit | $951 |
After speeding ticket | $1268 |
Poor Credit | $1671 |
An at-fault total loss | $1231 |
Married couple | $2032 |
After a DUI | $1687 |
A married couple with a teenager | $2904 |
Trusted companies do not offer any no-deposit or no-down-payment car insurance. You still have to pay at least the first month's premium in advance rather than the annual lump sum at once, which makes it a reasonably affordable deal. While paying your premiums all at once can save some money on your car insurance, it is less convenient for some of us. Therefore you can simply get very cheap car insurance with a low deposit or down-payment.
Below you can find a list of very cheap car insurance with low deposit/down-payment providers that offer the best car insurance rates with an average car insurance cost per month of $100 or less and our rating of each auto insurance provider. It should help you find the best, cheapest car insurance deposit possible without compromising on the quality of your provider.
Here are the cheapest car insurance companies with relatively low down payments:
Company | Insuranks Rating | Average Monthly Quote | Best For |
---|---|---|---|
USAA | 4.75/5 | $34 | Military families |
GEICO | 4.5/5 | $40 | Cheapest car insurance quotes if you're not in the army |
State Farm | 4.5/5 | $52 | Peace of mind |
ClearCover | 3.8/5 | $55 | Technology-centric car insurance |
Gabi | 4/5 | $60 | Online auto insurance comparison |
Progressive | 4.8/5 | $63 | Coverage standards and high-risk drivers |
Root | 3/5 | $65 | Low rates; Tech-savvy drivers looking to get rewarded for improving their driving through the app |
Mercury | 3.9/5 | $70 | Cheapest rates for a basic coverage |
NJM | 4.5/5 | $79 | Best car insurance for DUI in NJ, PA, CT, and OH |
Costco Ameriprise | 3.7/5 | $86 | Discounts |
Erie | 4.1/5 | $87 | New Drivers |
Amica | 4.5/5 | $100 | Customer satisfaction |
Travelers | 4.5/5 | $100 | Tailored car insurance policies at affordable rates |
Freeway | 3.7/5 | $100 | High-risk drivers, Spanish speakers & drivers in need of SR22 |
As you can see from the comparison table, the cheapest car insurance company is USAA, with an average car insurance cost of $35 per month and no competitors. The only things you have to be in the military or be related to someone in the military to enjoy it.
Also, check out our review of the best and cheapest car insurance companies of 2021.
Auto insurance companies determine your rates based on many different factors, like age, gender, state of residence and location, vehicle type, driving record, driving habits, credit score, and coverage type. Although the prices vary due to these factors, premium quotes can be predicted for the average car insurance company. Take a look at the national average full coverage and minimum coverage car insurance quotes for some of the most popular car insurance companies in 2021.
Company | Full coverage quote per year | Full coverage quote per month | Minimum coverage quote per year | Minimum coverage quote per month |
---|---|---|---|---|
Allstate | $1,850 | $154 | $785 | $65 |
GEICO | $1,175 | $98 | $480 | $40 |
Progressive | $1,390 | $116 | $750 | $63 |
State Farm | $1,250 | $104 | $625 | $52 |
USAA | $885 | $74 | $405 | $34 |
Generally, getting car insurance quotes online can take around 10-15 minutes.
While getting one car insurance quote shouldn't take more than 1-2 minutes, sometimes it depends on the specifications of the application.
Our Two Cents: Go through as many options and get car insurance quotes from maximum companies, collect quotes and have all options on your table and only then choose the best coverage for your specific auto insurance needs at the best rate from the best rated companies.
Car Insurance quotes do not affect, neither hurt, your credit score.
However, every time car insurance companies run your credit report so they can give you their free quotes, an inquiry is being added to your credit report.
These inquiries have no effect on your credit score. It doesn't hurt your credit in any way and you can find them on your personal credit reports.
92% of insurers now take credit into account when determining auto insurance quotes. Why? Taking your credit in to account helps them predict their losses and the risk they are carrying by covering you.
If you have an excellent credit score you will receive cheaper car insurance quotes compared to the quotes a driver with bad credit score would get.
Below you can find some average auto insurance quotes for full coverage in every state in USA. As you can see, it is not too hard to find cheap full coverage car insurance quotes in most states.
State | Full Coverage per month | Full Coverage per year |
---|---|---|
Alabama | $142 | $1,700 |
Alaska | $129 | $1,550 |
Arizona | $150 | $1,800 |
Arkansas | $146 | $1,750 |
California | $142 | $1,700 |
Colorado | $163 | $1,950 |
Connecticut | $171 | $2,050 |
DC | $183 | $2,200 |
Delaware | $158 | $1,900 |
Florida | $179 | $2,150 |
Georgia | $154 | $1,850 |
Hawaii | $133 | $1,600 |
Idaho | $108 | $1,300 |
Illinois | $129 | $1,550 |
Indiana | $104 | $1,250 |
Iowa | $113 | $1,350 |
Kansas | $142 | $1,700 |
Kentucky | $196 | $2,350 |
Louisiana | $217 | $2,600 |
Maine | $92 | $1,100 |
Maryland | $150 | $1,800 |
Massachusetts | $121 | $1,450 |
Michigan | $263 | $3,150 |
Minnesota | $133 | $1,600 |
Mississippi | $142 | $1,700 |
Missouri | $150 | $1,800 |
Montana | $163 | $1,950 |
Nebraska | $125 | $1,500 |
Nevada | $200 | $2,400 |
New Hampshire | $92 | $1,100 |
New Jersey | $167 | $2,000 |
New Mexico | $133 | $1,600 |
New York | $171 | $2,050 |
North Carolina | $119 | $1,425 |
North Dakota | $133 | $1,600 |
Ohio | $100 | $1,200 |
Oklahoma | $150 | $1,800 |
Oregon | $125 | $1,500 |
Pennsylvania | $142 | $1,700 |
Rhode Island | $171 | $2,050 |
South Carolina | $138 | $1,650 |
South Dakota | $138 | $1,650 |
Tennessee | $125 | $1,500 |
Texas | $150 | $1,800 |
Utah | $125 | $1,500 |
Vermont | $117 | $1,400 |
Virginia | $100 | $1,200 |
Washington | $133 | $1,600 |
West Virginia | $138 | $1,650 |
Wisconsin | $113 | $1,350 |
Wyoming | $150 | $1,800 |
Also read: States with Cheapest Car Insurance Rates
The cheapest and most expensive states for minimum liability car insurance rates are bolded and underlined.
State | Minimum Liability Insurance Quote Per Year |
---|---|
Alabama | $600 |
Alaska | $450 |
Arizona | $513 |
Arkansas | $501 |
California | $574 |
Colorado | $553 |
Connecticut | $821 |
DC | $623 |
Delaware | $843 |
Florida | $828 |
Georgia | $684 |
Hawaii | $485 |
Idaho | $606 |
Illinois | $878 |
Indiana | $498 |
Iowa | $357 |
Kansas | $654 |
Kentucky | $1062 |
Louisiana | $971 |
Maine | $416 |
Maryland | $853 |
Massachusetts | $484 |
Michigan | $1,855 |
Minnesota | $472 |
Mississippi | $603 |
Missouri | $432 |
Montana | $381 |
Nebraska | $599 |
Nevada | $722 |
New Hampshire | $492 |
New Jersey | $644 |
New Mexico | $609 |
New York | $887 |
North Carolina | $351 |
North Dakota | $528 |
Ohio | $429 |
Oklahoma | $418 |
Oregon | $639 |
Pennsylvania | $502 |
Rhode Island | $808 |
South Carolina | $596 |
South Dakota | $281 |
Tennessee | $408 |
Texas | $538 |
Utah | $502 |
Vermont | $552 |
Virginia | $385 |
Washington | $662 |
West Virginia | $604 |
Wisconsin | $364 |
Wyoming | $485 |
Another main factor in determining your auto insurance quotes is your age and your gender. Inexperienced drivers are very high risk as considered by insurance companies. Therefore, they quote such young new drivers accordingly. Females usually pay less for car insurance than males on average since males are considered a higher risk due to overconfidence which leads to accidents in many cases. Below is average full coverage car insurance quotes per year by age and gender. Of course, the rates may vary by many other factors, including your state and vehicle type.
Age | Male | Female |
---|---|---|
16 | $6,900 | $6,400 |
17 | $6,850 | $6,400 |
18 | $6,500 | $6,750 |
19 | $6,000 | $5,400 |
20 | $5,300 | $4,800 |
21 | $4,500 | $4,000 |
22 | $4,150 | $3,950 |
23 | $3,900 | $3,700 |
24 | $3,700 | $3,500 |
25 | $3,250 | $3,150 |
Experienced drivers pay less for auto insurance. Insurers provide them with lower quotes thanks to a lower risk due to experience. Of course, many other factors can affect these prices. If you are an experienced driver with a terrible driving record, you are less likely to enjoy lower car insurance quotes. Please find some typical car insurance quotes by gender for professional drivers per year across the USA.
Gender | Average car insurance quote per year |
---|---|
Male | $1548 |
Female | $1468 |
When it comes to getting the best deal on your car insurance rates, there are several paths you can follow. You can use car insurance comparison sites, contact a broker or agency, or simply go directly to the insurance agent. Each approach has its advantages and disadvantages, but it can be hard to work out which one works best for you, given the vast choice of options.
That's why we've put together "The ultimate shopping guide for auto insurance quotes." We've looked at 12 key parameters that you need to consider when you're looking for low-cost auto insurance, namely:
Time: How much time and effort is needed to source the car insurance quotes?
Online: Can you search for auto insurance quotes online and buy car insurance online?
Phone: Can you use your phone to call and get car insurance quotes?
Face to face: Can you source affordable car insurance via a face-to-face meeting?
Rates: Can you get cheap car insurance rates using this method?
Coverage: How good is the policy coverage offered? How much it fits your needs rather than providing you with insufficient coverage or coverage that is beyond what you need?
Choice: Can you compare car insurance rates from a range of companies?
Speed: How fast is it to get car insurance quotes? How long does it take to implement a new policy once you get the quotes?
Saving: Are there cheap car insurance quotes that offer worthwhile discounts and savings?
All States: Do these free car insurance quotes can be applied in all states?
High Risk: Is cheap insurance for young drivers, learners, and other high-risk drivers available?
Ease: How easy is the process when you compare car insurance quotes?
We'll consider the main pros and cons of each approach to sourcing auto insurance quotes. Then we'll use the same metrics to compare auto insurance from specific companies, brokers, and car insurance comparison sites. We've used 1 to 5 scale ratings on our review:
For convenience, speed, and ease of use, it's hard to beat auto insurance quotes comparison sites that offer free and instant car insurance quotes online. By simply providing information, clicking a button, and hey presto - you have a fast car insurance quotes comparison of what's on offer, making it easy to compare and contrast rates from a range of different companies and coverage options. What's not to like?
Well, there are several potential downsides to using an online comparison site. First, it may be giving undue prominence to sponsored deals which aren't necessarily the best solution for you. Second, the market coverage may be limited, meaning you could be missing out on specific deals that are only available direct. And probably most important of all, it may not be comparing like with like. Those cheap auto insurance quotes might look good on paper, but they may be hiding conditions like high deductibles or no accidental damage.
Having pointed out some of the shortcomings of online comparison sites, it's important to stress that, for the most part, they're a handy and welcome tool. These sites make it easy to compare auto insurance quotes, and if your time is limited, they're a great choice. You could spend a week phoning around all the different insurance companies, but if you end up saving yourself $25, was it worth it? Plus, the other side of the equation is that some great online deals can save you serious amounts of cash.
PROS
CONS
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 3 |
Face to face | 1 |
Rates | 5 |
Coverage | 4 |
Choice | 5 |
Speed | 5 |
Savings | 5 |
All States | 4 |
High Risk | 3 |
Ease | 5 |
With so many car insurance quotes comparison sites to choose from, we sometimes wonder whether there's a need for a comparison site for all the online comparison sites out there!
That said, going online is the best option for auto insurance quote comparisons, and if you want to buy cheap auto insurance online, they're the way to go. You want to find the site that is most relevant to your online auto insurance needs.
Comparison sites fall into three categories: actual insurance companies or agencies, websites that genuinely compare rates, and lead generator sites that collect your details and then send them to their partners, typically insurance companies or agents, in this instance.
In our experience, the leading sites are generally similar in terms of results and the services they offer. The most important thing you should check is how many insurance companies the website covers. Some sites are better than others in this respect, and many select their network of agents more carefully than others.
For comparison purposes, we've considered the following:
Type: Insurance company or agency (ICA), comparison site (CS), and lead generator (LG)
Online quotes: Direct availability of car insurance quotes
Scope: The number of companies being compared to (e.g., excellent, good, fair, poor)
Accuracy: Comparison of initial auto insurance quote to the final auto insurance premium payment
Speed: Time it takes to process auto insurance quoting
Ease: User-friendliness of the website
We've then given an overall score, plus our assessment of the pros and cons of each site. So here's our rating of the worst and best car insurance comparison sites:
Website | Insuranks Score |
---|---|
Gabi | 5/5 |
CoverHound | 4.8/5 |
Compare.com | 4.6/5 |
PolicyGenius | 4.6/5 |
Insurify | 4.4/5 |
Insuranks.com | 4/5 |
Esurance | 3.6/5 |
The Zebra | 3.2/5 |
NetQuote | 2.6/5 |
CarInsurance.com | 2/5 |
QuoteWizard | 2/5 |
Quote.com | 2/5 |
Insure.com | 0.8/5 |
EverQuote | 0.6/5 |
Parameter | Rating |
---|---|
Type | Comparison Site |
Online quotes | Mostly no |
Scope | Excellent |
Accuracy | Excellent |
Speed | Excellent |
Ease | Excellent |
Thanks to its ease of use and low-cost quotes, Gabi is our best car insurance quotes comparison site and the highest-ranked one. Gabi is a free auto insurance comparison engine that helps you compare quotes online for your precise coverage requirements and find the best options fast from over 40 top insurance companies they've partnered with. It is a fully licensed insurance broker in all states, where its average car insurance cost is $60 per month.
Parameter | Rating |
---|---|
Type | Comparison Site |
Online quotes | Yes |
Scope | Excellent |
Accuracy | Excellent |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Lead Generator |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Insurance Agency |
Online quotes | Yes |
Scope | Excellent |
Accuracy | Excellent |
Speed | Good |
Ease | Good |
Parameter | Rating |
---|---|
Type | Insurance Agency |
Online quotes | Yes |
Scope | Good |
Accuracy | Excellent |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Insurance Company |
Online quotes | Yes |
Scope | Fair |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Poor |
Ease | Fair |
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Poor |
Ease | Good |
Parameter | Rating |
---|---|
Type | Insurance Agency |
Online quotes | Yes |
Scope | Good |
Accuracy | Good |
Speed | Excellent |
Ease | Good |
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Fair |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Comparison Site & Insurance Agency |
Online quotes | Yes |
Scope | Good |
Accuracy | Good |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
Parameter | Rating |
---|---|
Type | Comparison Site / Agency |
Online quotes | Inconsistent |
Scope | Good |
Accuracy | Poor |
Speed | Good |
Ease | Excellent |
One of the greatest disadvantages of the Internet is that it's made us forget the value, pleasure, and security of doing business face to face. You can use your computer to get cheap car insurance quotes online or make a call on your phone. But, sometimes, nothing beats the experience of a good old-fashioned personal business relationship.
Using a broker or an agency to get free car insurance quotes sometimes offers many advantages over buying car insurance online. Yes, the process usually takes a little longer, particularly initially, but over time, you may find that using a broker or agent will save you time.
Before going any further, it's essential to explain the difference between an insurance broker and an insurance agent. A broker is fully independent and can recommend solutions from any insurance company that allows brokers to sell their policies. In that respect, the broker is working for you, the buyer. They make their money through commissions or fees on the products they sell.
An agent, on the other hand, is an extension of the insurer. A captive agent typically represents one or two companies, whereas an independent agent works on behalf of multiple insurers. Some captive agents are salaried, but for the most part, agents also make their money through commissions or fees on the products they sell. By the way, both brokers and agents should provide you with details of their commission structures on any products they sell.
But regardless of commissions and fees, both brokers and agencies are insurance experts. It's their business to know about all the policy options, latest offers, and new product developments. They know the auto insurance market inside out, and you can benefit directly from their experience. They'll take the time to talk to you so they fully understand your exact needs and can then recommend affordable auto insurance that suits you down to the ground.
There's more. The advice they offer is impartial, and because of their wide knowledge and experience, they'll often recommend companies or deals that you didn't even know existed. Brokers and agents also offer proactive advice and are on hand to provide expert assistance in the event of a claim. If you're a people person who wants a quality auto quote, an agent or broker is the way to go.
Having listed all the advantages of using an agent or broker, are there any downsides? The answer is a coded yes. The most obvious drawback is that using a broker typically takes up more of your time.
By going online, on the other hand, you can compare cheap auto insurance quotes online at the click of a mouse. Using an agent or broker is a more drawn-out process, although that's not necessarily a problem for many people.
But there's also another potential issue. When choosing an agent or broker, you want to make sure that you get a good one! As with any line of work, there are highly professional insurance brokers and agents out there, but some are not so good. You can make your judgments, but in our experience, the best idea is to ask people you know for a personal recommendation.
Parameter | Rating |
---|---|
Time | 1 |
Online | 2 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 5 |
Speed | 3 |
Savings | 5 |
All States | 3 |
High Risk | 5 |
Ease | 3 |
When looking for free auto insurance quotes, one of the best ideas is to contact insurance providers directly. Although you could use one of the price comparison sites to look for cheap car insurance online, there are some disadvantages. Firstly, some insurers don't feature on such sites, and secondly, specific deals are only available if you go direct.
Of course, the biggest downside to contacting companies directly is that it takes a lot of time and effort on your part. The attraction of finding a great deal by going direct rather loses its appeal when you have to repeat all your details for the 15th time!
That said, you can be smart and short circuit the process. How so? By asking your friends, family, and colleagues who they use for their auto insurance. Their advice will be based on real-life experience and is guaranteed to be impartial. Armed with their recommendations, it's much easier to draw up a more focused target list of companies to contact.
PROS
CONS
Parameter | Rating |
---|---|
Time | 1 |
Online | 5 |
Phone | 5 |
Face to face | 3 |
Rates | 5 |
Coverage | 3 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 5 |
Ease | 1 |
We've selected some of the best car insurance companies and providers in America and compared them on our range of metrics. Here's our review of getting direct car insurance quotes from the best, cheap auto insurance companies.
PROS
CONS
Parameter | Rating |
---|---|
Time | 3 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 3 |
Choice | 3 |
Speed | 5 |
Savings | 5 |
All States | 3 |
High Risk | 3 |
Ease | 3 |
PROS
CONS
Parameter | Rating |
---|---|
Time | 3 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 2 |
Speed | 5 |
Savings | 3 |
All States | 5 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
Parameter | Rating |
---|---|
Time | 3 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 5 |
Speed | 5 |
Savings | 5 |
All States | 3 |
High Risk | 5 |
Ease | 4 |
PROS
CONS
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 1 |
Rates | 5 |
Coverage | 3 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 3 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
Parameter | Rating |
---|---|
Time | 3 |
Online | 3 |
Phone | 5 |
Face to face | 1 |
Rates | 5 |
Coverage | 5 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 3 |
Ease | 3 |
PROS
CONS
Parameter | Rating |
---|---|
Time | 3 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 3 |
Coverage | 5 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 3 |
Ease | 4 |
PROS
CONS
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 3 |
Rates | 5 |
Coverage | 3 |
Choice | 5 |
Speed | 5 |
Savings | 5 |
All States | 3 |
High Risk | 5 |
Ease | 5 |
PROS
CONS
BEST FOR: Cheap car insurance rates
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
BEST FOR: Teen drivers
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 1 |
Coverage | 3 |
Choice | 1 |
Speed | 3 |
Savings | 1 |
All States | 5 |
High Risk | 4 |
Ease | 5 |
PROS
CONS
BEST FOR: Low-maintenance drivers who seek cheap car insurance rates on very basic coverage.
Parameter | Rating |
---|---|
Time | 4 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 3 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 1 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
BEST FOR: New auto owners.
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 3 |
Coverage | 5 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
BEST FOR: Drivers with poor credit.
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 2 |
Coverage | 3 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 5 |
Ease | 5 |
PROS
CONS
BEST FOR: Setting fantastic standards for any coverage.
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 5 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
BEST FOR: Cheap car insurance rates and Millennial drivers looking to become better drivers and get rewarded for it with even better rates!
Parameter | Rating |
---|---|
Time | 1 |
Online | 5 |
Phone | 3 |
Face to face | 1 |
Rates | 5 |
Coverage | 3 |
Choice | 3 |
Speed | 3 |
Savings | 5 |
All States | 1 |
High Risk | 1 |
Ease | 5 |
PROS
CONS
BEST FOR: High-Risk Drivers.
Parameter | Rating |
---|---|
Time | 4 |
Online | 3 |
Phone | 3 |
Face to face | 3 |
Rates | 3 |
Coverage | 4 |
Choice | 2 |
Speed | 5 |
Savings | 5 |
All States | 3 |
High Risk | 5 |
Ease | 3 |
PROS
CONS
BEST FOR: Drivers who want to be on the safe side and seek the peace of mind that there is a reliable company behind them, that they are well covered and get good service
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 3 |
Ease | 5 |
PROS
CONS
BEST FOR: Drivers who require an affordable car insurance policy that's tailored to their specific needs from a trusted company.
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 1 |
Speed | 5 |
Savings | 5 |
All States | 3 |
High Risk | 5 |
Ease | 5 |
PROS
CONS
BEST FOR: Military members, veterans, and their families.
Parameter | Rating |
---|---|
Time | 5 |
Online | 5 |
Phone | 5 |
Face to face | 5 |
Rates | 5 |
Coverage | 5 |
Choice | 3 |
Speed | 5 |
Savings | 5 |
All States | 5 |
High Risk | 4 |
Ease | 5 |
Get all the best quotes from leading providers in a click of a button!
Company | Insuranks Score | Average Monthly Quote | Best For |
---|---|---|---|
Progressive | 4.8/5 | $63 | Coverage standards and high risk drivers |
USAA | 4.75/5 | $35 | Military people and their families |
GEICO | 4.5/5 | $50 | Cheap car insurance rates |
State Farm | 4.5/5 | $52 | Peace of mind |
Amica | 4.5/5 | $100 | Customer satisfaction |
Travelers | 4.5/5 | $100 | Tailored car insurance policies at affordable rates |
MetLife | 4.4/5 | $130 | New car owners |
Nationwide | 4.3/5 | $120 | Poor credit |
Allstate | 4.3/5 | $110 | Customer service & coverage options |
Erie | 4.1/5 | $87 | New drivers |
Root | 3/5 | $65 | Low rates; Millennials looking to get rewarded for improving as drivers |
Mercury | 3.9/5 | $70 | Basic coverage rates |
ClearCover | 3.8/5 | $55 | Technology-centric car insurance |
Farmers | 3.7/5 | $125 | Teenagers and young drivers |
Freeway | 3.7/5 | $100 | High risk drivers, Spanish speakers & SR22 |
Costco Ameriprise | 3.7/5 | $86 | Discounts |
Safe Auto | 3.5/5 | $110 | High risk drivers |
Check out our review of the best and cheapest car insurance companies of 2021.
Whether you buy your car insurance direct, online, or broker, each approach has advantages and disadvantages. Which route works best for you depends on your specific needs, technical skills, time constraints, and whether you value service and personal touch over cheap car insurance rates and discounts. We hope the insights here help you make the best choice for yourself regarding comparing auto insurance quotes to get you on the road fast, protect you well and fit your budget. You are, of course, invited to use our car insurance quotes comparison tool to connect with great
Car Insurance Quotes Comparison Method | Insuranks Score |
---|---|
Comparison Sites | 4.2/5 |
Agents & Brokers | 3.9/5 |
Direct | 3.7/5 |
Comparing auto insurance quotes will give you a more comprehensive view of your options. Well, a wide variety of choices will easily overwhelm you at first. Your decision-making may get clouded, but you have to decide on an insurance product and company that fits you.
Some insurance companies would bombard you with attractive options, even discounts or freebies. However, you must dismiss that "halo effect" and decide what car insurance coverage matches your actual needs, budget and profile.
Rates would also differ because it depends mainly on certain factors such as credit history, age, gender, car type and value, driving record, location or ZIP code, number of miles per year, state, and a whole lot of other factors.
With that in mind, it would be impossible to compare the quotes of a 20-year-old male from Hawaii with the auto insurance prices a 60-year-old female driver from Michigan would receive. Many variables would be counted in to determine the auto insurance rates for a specific client or individual.
When comparing rates, after making sure you have all your needs covered, check the company's average score, as well as car insurance promos or discounts that you may qualify for. Once you have shortlisted some of the best car insurance companies that have the right auto insurance coverage, products, rates, and ratings, you should do a background check and read some reviews and ratings that other customers have left on their company page.
This will help you gain a more refined or realistic perspective of what the company can offer and treat its clients and policyholders. While the advertising mumbo jumbo can reel you into a company's offers, feedback from real users would give you a fresh and real-time perspective on the credibility, performance, service, coverage, and trustworthiness of an auto insurance company.
When shopping for car insurance, you are most likely to choose a titan in the industry or a reputable, large, well-known auto insurer. Well, this makes sense. After all, you would want to invest in a company that has earned its stripes in the industry. A company's staying power has a lot to say about its resilience, financial strength, and relevance in the market. It is assumed that large-scale auto insurance companies are sometimes more resilient and more likely to afford to pay your claims. But this is not always true, and this is why you should check a company's online reputation and reviews by their customers ahead of choosing it.
On the other hand, some perks follow through by signing up with a smaller car insurance company. These startups can offer a fresh, modern, digital, and customized service to their clients because the young blood in the industry tends to bring innovation and personalization first in their roster of services, along with other things.
Dig up more information on this website about car insurance companies and understand their online reputation. Read customer reviews, ratings, and testimonials online and observe how their customers have experienced them. This reveals a lot about the company's overall experience and reliability.
Check on your state's insurance department to determine the car insurance type mandated by law. In general, most states would require liability insurance and minimum coverage for property damage and bodily injury.
Ask for recommendations and referrals from family and friends regarding auto insurance companies and agents. Word-of-mouth remains a powerful determining factor when deciding on what car insurance company to trust.
Get maximum auto insurance quotes from as many different companies as possible: Request product brochures and quotes from different insurance companies through this website or a local agent/agency and then compare them one by one. You want all of the options on your table before making such an important decision. What's the rate? What does it cover? How reputed is the company? Pay more attention to the little details such as payment options, deductibles, exclusions, discounts, and hidden fees.
Make a shortlist of your preferred car insurance providers, quotes, and offers and then verify their legitimacy and licensure with your state's insurance department.
Take note of some questions you might have about the car insurance coverage and other details. Ask car insurance company representatives and/or agents if your credit history would affect rates in different companies, if the coverage would cover rental cars when traveling, or if speeding ticket/driving history would affect the premium.
Prioritize paying your premiums on time. Non-payment of premiums could result in a lapse in your vehicle insurance coverage. There are auto insurance carriers who would offer direct withdrawal from your checking account to prevent lost coverage.
Some factors that are out of your control determine your car insurance quotes, like your gender and age. However, you have total control of a couple of factors, like your credit score, driving record, mileage, type or brand of car, and the amount of car insurance coverage.
Basically, your car insurance cost would depend on the risk factors auto insurance providers take into account. So, they would want to weigh in on the probability that you'll be filing claims on your car insurance.
To get the cheapest car insurance quotes, you must research and compare quotes from different car insurance companies. At the beginning of this guide, we provided a list of inexpensive car insurance companies with an average car insurance cost of $100 per month or less and their rating. This list should help you look into the car insurance providers that combine that good match of affordability with excellent customer service.
You also have to check on your credit report and driving record to ensure it's clean and in good standing. A car insurance company would assess your likelihood of getting into an accident and filing claims. So, if you have citations for DUI, incurred accidents, or other driving violations, you will be considered a high-risk client and would have higher insurance rates than someone who has a clean driving record and high credit score.
If you're a safe driver, several car insurance companies would give you discounts for that, plus also get lower rates over time. An app is used to monitor and assess your driving behavior, which will be the basis for discounts.
Also, if you happen to have a costly car repair and mechanical breakdown car, then your car insurance rates would also increase. However, with older cars, your car insurance company could give you discounts or a reduction in prices.
Choosing the lowest amount of auto insurance coverage also helps you save on your car insurance fees. You may also opt to choose a higher deductible, which translates to less risk for your auto insurance company and minimal costs for you.
Another option to get cheap auto insurance quotes is to take advantage of your company's auto insurance discounts. Discounts such as paperless billing, good student discounts, multi-policy discounts, and multi-car discounts will give you more savings on your auto insurance fees.
Car insurance is a contract between you and an auto insurance company. In exchange for a premium, the company covers the potential cost of possible damages and financial loss resulting from driving and vehicle ownership.
We've all been there, accidentally bumping into a car while trying to back into a parking spot, stopping short, and getting rear-ended… the list of car accident possibilities is seemingly endless. But one thing is for sure, getting the damage fixed can be incredibly costly if you are not covered!
such as bodily injury and property damage, the two main facets that auto insurance policies cover)
If you're reading this right now, then the chances are that you've been wondering how to choose car insurance, or you're wondering exactly what does car insurance covers. Here, we're going to give you a quick crash course in car insurance. Below, we'll discuss the following:
What does car insurance cover?
The difference between basic liability and full coverage insurance.
The difference between at-fault and no-fault states.
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The law requires all drivers to maintain an auto insurance policy while driving a vehicle on public roadways. While this may seem a bit unfair, you also have to consider that we're living in America where two truths are evident:
Medical and hospital costs are incredibly high.
Cars and automobiles are costly.
Without insurance, a small two-driver car crash with no fatalities can easily cost the two drivers upwards of $15,000 or more after paying for medical bills and vehicle repairs! The average cost for an ambulance ride alone can be upwards of $300 per mile. Repairing the front-end on a car can easily cost $2,000 to $3,000, not including anything else that may have been damaged.
Car insurance ensures that drivers only have to pay a small amount out of pocket in the event of an accident. This is known as your deductible. For example, if you have a $1,000 deductible and sustain $8,000 worth of damages to your car, then you'll pay $1,000, and your insurer will pay the remaining $7,000 (if you're at fault, that is).
Car insurance also ensures that the other driver is covered as well. For example, if you're found at fault and crash into somebody else, your insurance will pay for their medical bills so that you don't have to face a lawsuit and pay for their medical bills out of pocket.
We suggest you take a minute to think about your risk as a driver to the car insurance company.
All of this impacts your auto premiums. This shouldn't deter you, however. The cost of a car accident is still much higher!!
Car accidents cost the United States about $231 billion every year. Yes, you read that right. And accidents usually cost in the thousands. That's why being covered is so important and mandatory in most states.
Your policy will have liability coverage limits. In auto insurance, this limit is usually broken down into three components:
Be sure to know what the liability limits are on your auto insurance plan.
While there are different levels of auto insurance, they are typically broken down into two basic categories:
If you're wondering what does car insurance covers for each type, keep reading to find out.
Basic liability is a broad term that infers that the policyholder is covered for the state-mandated insurance minimums. Each state has laws that regulate how much coverage each driver must be insured for, which you can view here. You'll generally pay more for coverage in states that have a high percentage of automotive accidents and less in states with a lower percentage of accidents.
Basic liability insurance typically doesn't cover your personal costs. It just pays for the other drivers' costs. If you're driving an older vehicle or drive in a rural town where accidents are sparse, then these policies can save you money compared to a full coverage policy.
Here's what they typically include.
Pays for the other driver's medical bills and compensation (if you're at fault). Read more about bodily injury liability insurance.
Pays to repair the other driver's vehicle (if you're at fault). Read more about property damage liability insurance.
There are currently twelve "no-fault states" where drivers must pay for their medical bills. In these states, drivers must have personal injury protection (PIP) coverage added to their basic liability policy to cover the costs of any injuries sustained in an accident. Read more about PIP insurance.
Full coverage policies are designed to be all-inclusive and cover almost everything that could happen to your vehicle. These policies are usually double or triple the cost of a basic liability policy, but they're worth it if you have a newer vehicle and want to protect your investment. Read more about full coverage insurance.
Full coverage includes all of the basic liability coverages listed above that cover the other driver's vehicle and medical bills. Read more about basic liability car insurance.
Covers repairs to your vehicle, even if you're at fault. Read more about collision insurance coverage.
It covers your repairs and medical bills if you're hit by somebody who doesn't have insurance or who doesn't have enough insurance to cover your costs. Read more about uninsured/underinsured driver clause coverage.
Covers against non-collision accidents such as:
Theft
Fire, flooding, hail, snow, etc.
Running into an animal
Falling debris
Losing control of the vehicle
Tire blowout, brake/engine failure
If you financed your vehicle and it's declared a "total loss" by the insurance company, GAP insurance pays off the remainder of your auto loan. Read more about the best GAP insurance.
It covers the cost of renting a vehicle if your car is getting repaired or declared a total loss.
Yes, you do. A valid car insurance policy is required by law in 49 out of 50 states and DC. The only state where car insurance is not required by law is New Hampshire. Still, you must be able to prove that you can afford to cover the damages in case an at-fault accident occurs, which can cost thousands upon thousands of dollars, to meet New Hampshire motor vehicle financial responsibility requirementsTop 4 Factors That Affect Car Insurance Quotes
Remember that in America, insurance companies are businesses. This means that they have a bottom line to maintain and will profit, no matter how many payouts they have to give out. This is part of the reason why policies are so complicated to understand. Every insurer has to make sure that they are covered to not lose money because of covering you.
That said, here are the top factors that affect car insurance rates.
The younger you are, the more you'll usually pay. Teen drivers and drivers between 20 and 24 are the most expensive to insure, while older drivers tend to get a more affordable rate. Here is the cheapest car insurance for teens and young drivers and the cheapest cars to insure for teenage drivers.
The cleaner your driving record is (no accidents, traffic tickets, tax liens), the better of a deal you'll get. The worse your record is, the more you'll pay. SR-22 insurance is the most expensive and is given to those who've had reckless driving charges or were previously charged with a DUI.
The more expensive your vehicle is, the higher your insurance will be. Sports cars also tend to be more costly to insure since they're of higher speed that is more likely to result in a car accident or speeding ticket. Here are the cheapest cars to insure. You can also explore the insurance costs of Honda Civic, BMW, Mustang, Tesla, Lamborghini, and Dodge Charger, as well as other vehicle types, throughout the website.
If you live in a state where accidents aren't very common, you'll save on your auto insurance. However, if you live in a state where accidents are more prevalent, you'll pay more for car insurance. Here are the states with the cheapest car insurance rates.
Generally yes, you can safely buy car insurance online and it is recommended by the National Association of Insurance Commissioners in order to get lower rates through good car insurance quotes comparison.
However, as you are sharing important information when buying car insurance online such as your social security number, which insurers need to check your driving record, it is recommended to follow these safety tips to reassure your online safety when buying car insurance:
To sum up, driving and vehicle ownership can be fun and exciting. For many, a vehicle can reduce the time spent commuting to work or allow individuals to travel more flexibly around a town, city, state, and even a country.
Vehicle ownership is liberating - let's keep it this way by driving safely, avoiding car accidents, and having the best coverage for any unexpected financial expenses.
And now that you're well aware of the bigger picture, it's time for you to purchase the best car insurance online through a proper comparison.
Get all the best quotes from leading providers in a click of a button!
I just noticed the Geico Mobile app deducts points from their customer if someone tailgates you, it deducts points from the customer. If you driving on a Main Rd, and someone is getting ready to run a stop sign, and you have to stop even though you have the right of way, the Geico Mibile App detects this, like a car was in front of you. So the Mobile App needs some improvements. When I drive. My ex-husband always tells me, I'm too far away from cars, and I need to get closer, Geico Mobile App has detected me, Like I'm close on cars, and a lot of times, I think the app is detected the cars in back of you, are surrounding you. But not necessarily you while you are driving, the app needs to improve in being able to distinguish the difference in your car from what another car behind you is doing. Because I get tailgated a lot when driving, the mobile app detected this as it was my fought.
I have Progressive and was Rear ended by a guy that also had Progressive Insurance His Fault In Minnesota took over 4 months to be contacted for est then they send me a check no explanation of why they didn't cover mechanical repairs caused by accident and decided $60 hr for auto body labor -I charge $120 hr I restore Classic cars - lost my business
I been a loyal customer of Geico for 30 years. On Christmas Day 2021, I was stopping at a red light to make a left turn. I was stopped next to a police car, when an elderly driver approaching from the opposite direction crossed several lanes and hit me head on. It was purely the elderly lady’s fault. A few days later, the Geico adjuster gave my car a cursory look over, and estimated the hangar to be $6500. All body shops were booked until February, so my car was towed to my house so it wouldn’t incur additional storage fees. On the 3rd week following the accident, I contacted the body shop of my choice, who sent a tow truck to pick up my car, at which time the tow truck driver noticed that as a cause of the accident, the driveshaft was pushed into the engine and made a huge hole in the engine. At that point I notified my Geico claims adjuster, who, a couple days later, went down and wrote a supplemental report totaling my car, (this was on a Thursday). He indicated it would take 3days before they would issue a check. I contacted him on The following Monday, when he indicated he should have the check on Wednesday, and would hand deliver it to me. Wednesday came, and after 4 phone calls and a few texts, I never received a check, and he and his boss stopped returning my calls. All other parties, the body shop, storage facility, etc. received payment, I have not! They say they care, and want to provide great service, but the do not live up to their word. I’ve been without a car now for 33 days. I purchased one, but can’t take delivery till I receive the check from Geico. The adjuster has also been aware of this. Geico, our adjuster, and his manager do not appear to have have a sense of urgency. Being loyal customer for 30 years appears to not make a difference. I’m planning on insuring my Vehicles, including my RV with a company who has my back!!!!!
I was a loyal GEICO customer for 15 years, with a pristine unblemished driving history and high coverage levels [and had never filed a previous claim]. I recently had a minor fender bender that was deemed by GEICO Claims to be '100% my fault.' Shortly thereafter, I received a form follow-up letter from GEICO stating that, for that reason, GEICO would not pay for damage repairs to my vehicle. A shocker to me. Does an insurance policy with these terms really represent meaningful protection? Thank G-d that it was a minor accident. I now do business with a carrier that has my back. BUYER BEWARE! It was definitely an eye opener for me. An elderly 86 y.o. male driver, with minimal situational awareness swerves abruptly into my lane, dragging his driver side panel against my front passenger side bumper. No witnesses, other than this unintelligible elderly male driver, his wife and a police officer that showed up on the scene twenty minutes later to record statements. The icing on the cake --- The 'final' verdict was rendered by Claims Adjuster #2, that contacted me several weeks after I was informed by Claims Adjuster #2, that the case was closed, and that the fault was clearly that of the elderly gentleman, and that they would be receiving no claims monies [Again, a complete absence of anything resembling 'no-fault coverage' on either side].
We had Allstate roadside assistance through their SUV insurance coverage and were always delighted by their fair service and treatment.