Your ultimate cheap auto insurance quotes comparison and shopping guide, online and offline.
Homepage > Cheap Car Insurance Quotes: Compare Online (2021)
So your old auto insurance policy is expiring, you cancelled 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 comparison can become frustrating to deal with, time consuming and expensive, 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 in regards to the different options available today for those looking to compare car insurance quotes, companies, coverages and plans in the most beneficial way, whether its online, on the phone or face to face, and 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 good 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, given by auto insurance companies, which are the carriers. These quotes are estimated by the carrier itself, 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 important factors that determine the given car insurance quotes, such as:
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Car insurance is a contract between you and an auto insurance company by which, in exchange for a premium, the company covers the potential cost of possible damages and financial loss that are a result of driving and vehicle ownership.
We’ve all been there, accidentally bumping in to 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 damaged fixed can be incredibly costly if you are not covered!
But that's were auto insurance comes in to play. There are many different types of auto policies. Some cover typical accidents. Others consider vehicle theft, weather risks, bumping in to animals and depreciating car values. Confused by what all of this means? Let's take a deeper look…
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, but you must be able to prove that you are able to afford covering 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 requirements. So even if car insurance is not mandatory in New Hampshire, it is smart to have car insurance anyway as not having it may cost you much more.
Below are some auto insurance quotes examples of different driver types. The table shows the average annual auto insurance quotes for drivers on different conditions, this gives a good idea of what your quotes should approximately be under these conditions, but of course there are many other factors that 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 |
Married couple with teenager | $2904 |
No deposit car insurance or no down-payment car insurance is not offered by trusted companies. 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 fairly affordable deal. While paying your premiums all at once can save some money, it is less convenient to some of us. Therefore you can simply get very cheap car insurance with 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. This 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 fairly low down payment:
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 | Rates for 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 |
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 at this car insurance rate comparison table, the cheapest car insurance company is USAA with an average car insurance cost of $35 per month and no competitors. The only thing is you have to be in the military or be related to someone in the military to enjoy it.
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, coverage type and amount and so much more. Although the prices vary due to these factors, the average car insurance company premium quotes can be predicted. Please find the national average full coverage and minimum coverage car insurance quotes for some of the most popular car insurance companies, as of 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 |
Below you can find some average auto insurance quotes for full coverage in each and every state in USA. As you are able to 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 |
Please find the average minimum liability car insurance quotes by state below. The cheapest and most expensive states for minimum car insurance quotes 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. Unexperienced drivers are considered are a very high risk by insurance companies and 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 over confidence that 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, vehicle type and more.
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 very bad driving record than you are less likely to enjoy lower car insurance quotes. Please find some typical car insurance quotes by gender for experienced 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 a number of paths you can follow. You can use car insurance comparison sites, contact a broker or agency, or simply go direct to the insurer. Each approach has its advantages and disadvantages, but given the huge choice of options, it can be hard to work out which one works best for you.
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 and how much it fits your needs rather than providing you with insufficient coverage or a coverage that is beyond what you need?
Choice: can you compare car insurance rates from a range of companies?
Speed: how fast it is to get car insurance quotes? once you get the quotes, how long does it take to implement a new policy?
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, and 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, actually, there are a number of 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 certain 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 really useful 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 round all the different insurance companies, but if you end up saving yourself $25, was it really worth it? Plus, the other side of the equation is that there are some really great online deals that can save you serious amounts of cash.
PROS
- Just so quick and easy to use
- Rates from a range of companies
- Instant coverage is available
CONS
- You may be missing out on certain deals, plus some companies may not be listed online on certain sites
We’ve used 1 to 5 scale ratings:
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 definitely the way to go. What you want to do is 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 which genuinely compare rates, and lead generator sites that collect your details and then send it to their partners, typically insurance companies or agents, in this instance.
In our experience, the leading sites are generally similar in terms of end results and 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: are your car insurance quotes provided directly or do you have to visit another site?
Scope: the number of companies compared (excellent, good, fair or poor)
Accuracy: how the initial auto insurance quote compares to your final auto insurance premium payment
Speed: how long the auto insurance quoting process takes
Ease: how easy to use the website is.
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 |
- Superb coverage and choice of companies
- Wonderfully simple
- User friendly interface
- Very customer-centric and educational
- Providing a large overview by partnering with everyone, insurance companies, agencies, brokers, aggregators and other comparison sites
- Customer reviews and ratings
Parameter | Rating |
---|---|
Type | Comparison Site |
Online quotes | Mostly no |
Scope | Excellent |
Accuracy | Excellent |
Speed | Excellent |
Ease | Excellent |
Gabi is our best car insurance quotes comparison site and highest ranked one thanks to its ease of use and low cost quotes. 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. Gabi is a fully licensed insurance broker in all states. Gabi's average car insurance cost is $60 per month.
- Excellent rates; Claims it saves $961 per year on average
- Ease of use
- Over 40 insurance companies
- Fast online car insurance quotes comparison
- Offers even lower rates for home and auto insurance bundles
Parameter | Rating |
---|---|
Type | Comparison Site |
Online quotes | Yes |
Scope | Excellent |
Accuracy | Excellent |
Speed | Excellent |
Ease | Excellent |
- Easy to use interface
Parameter | Rating |
---|---|
Type | Lead Generator |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
- Compares auto insurance rates from over 50 companies
- Auto insurance focused
- Trusted brand
Parameter | Rating |
---|---|
Type | Insurance Agency |
Online quotes | Yes |
Scope | Excellent |
Accuracy | Excellent |
Speed | Good |
Ease | Good |
- Excellent user experience
- Technologically advanced
- Provides many different coverage options from multiple companies
- Allows you to edit your required coverage details, customize it and add coverage as you wish to receive quotes for your exact auto insurance needs
- Automatically calculate discounts
- Real final rates due to direct relationship with 26 auto insurance carriers
Parameter | Rating |
---|---|
Type | Insurance Agency |
Online quotes | Yes |
Scope | Good |
Accuracy | Excellent |
Speed | Excellent |
Ease | Excellent |
- Trusted brand
- Great interface, really useful online tools and powerful apps
Parameter | Rating |
---|---|
Type | Insurance Company |
Online quotes | Yes |
Scope | Fair |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
- Can't think of any
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Poor |
Ease | Fair |
- User friendly interface
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Poor |
Ease | Good |
- Fills in your vehicle information based on a photo of your license plate!
- Provides an intelligent chatbot throughout the quoting process and customer support
- Utilizes its great technology to match you based on your individual risk profile to carriers its AI thinks is best for you
- Has direct partnerships with leading insurers (provided results from over 10 insurers)
- Claims to save $489 per year on average
Parameter | Rating |
---|---|
Type | Insurance Agency |
Online quotes | Yes |
Scope | Good |
Accuracy | Good |
Speed | Excellent |
Ease | Good |
- Covers other insurance types
- Complete one user friendly form for multiple quotes
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Fair |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
- Fresh, innovative approach
- Easy to use
Parameter | Rating |
---|---|
Type | Comparison Site & Insurance Agency |
Online quotes | Yes |
Scope | Good |
Accuracy | Good |
Speed | Excellent |
Ease | Excellent |
- Intuitive and easy to use form
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
- Friendly interface
Parameter | Rating |
---|---|
Type | Lead Generation |
Online quotes | No |
Scope | Poor |
Accuracy | Poor |
Speed | Excellent |
Ease | Excellent |
- Simple to use, friendly interface
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 in the beginning, but over time, you may find that using a broker or agent will actually save you time.
Before going any further, it’s important 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 for many people that’s not necessarily a problem.
But there’s also another potential issue. When you’re 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 there are some who are not so good. You can make your own judgements, but in our experience, the best idea is to ask people you know for a personal recommendation.
We’ve used 1 to 5 scale ratings:
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 you’re 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 to doing so. Firstly, some insurers don’t feature on such sites, and secondly, certain deals are only available if you go direct.
Of course, the biggest downside to contacting companies direct 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
- Often you can get the best deals by going direct
- You’re not paying commission to a broker or online site
- Greater choice and flexibility on policy options
CONS
- Takes a lot of effort on your part to contact every single company
We’ve used 1 to 5 scale ratings:
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
- Great personal service
- Some useful additional benefits
- Very competitive rates for AAA members
CONS
- Insurance is provided via a third party
We’ve used 1 to 5 scale ratings:
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
- Super local service via agents
- Great range of auto insurance policies
- Covers all your insurance needs
CONS
- Quality comes at a price
We’ve used 1 to 5 scale ratings:
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
- Fantastic customer service
- Excellent choice of auto insurance policies and coverage options
- Still a mutual
CONS
- Not available in all states
We’ve used 1 to 5 scale ratings:
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
- Great for techies!
- Really competitive car insurance rates
- Innovative approach
CONS
- Not available in all states
We’ve used 1 to 5 scale ratings:
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
- Excellent rates and savings
- Standard coverage is generous
- Additional benefits for members
CONS
- Online experience on both website and app could be better
We’ve used 1 to 5 scale ratings:
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
- Wide range of customizable products
- Excellent local presence
- Good one stop shop
CONS
- Quality of customer service can depend on how good your agent is
We’ve used 1 to 5 scale ratings:
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
- Wonderfully easy to use website
- Low rates
- Good for high risk drivers
CONS
- Charge a fee for their services, plus coverage is via a third party
We’ve used 1 to 5 scale ratings:
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
- Trusted brand
- Excellent customer service
- User friendly website and app
- Great rates
CONS
- Only available direct
BEST FOR: Cheap car insurance rates.
We’ve used 1 to 5 scale ratings:
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
- Really good online experience via website and apps
- Will consider high risk drivers
CONS
- Not the best rates we found
- Only available direct
- Denies too many claims
- Customers complain about bad customer service
BEST FOR: Teen drivers.
We’ve used 1 to 5 scale ratings:
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
- Affordable rates
- Good for military families
- Wide range of discounts
CONS
- Coverage is fairly basic compared to some competitors
- Only available in a limited number of states
BEST FOR: Low-maintenance drivers who seek cheap car insurance rates on a very basic coverage.
We’ve used 1 to 5 scale ratings:
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
- Good rates via workplace affiliations
- Great range of policies and options
- Trusted brand
CONS
- Customer service can be patchy at times
BEST FOR: New auto owners.
We’ve used 1 to 5 scale ratings:
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
- Online quote tool is really good
- Some nice add-ons, perks and additional resources
- Easy to do business with
CONS
- Some policies lack flexibility
BEST FOR: Drivers with poor credit.
We’ve used 1 to 5 scale ratings:
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
- Excellent coverage as standard
- Unbelievable choice of options
- Brilliant range of online resources, including the quote tool
CONS
- Not the best for high risk drivers
BEST FOR: Setting fantastic standards for any coverage.
We’ve used 1 to 5 scale ratings:
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
- Low rates
- Rewards safe drivers
- Some nice benefits included, like roadside assistance
CONS
- Quote process is slow and requires a test drive for several weeks where the Root app's AI measures your driving habits initially
- Doesn't accept bad or high risk drivers to maintain a high quality
- Not available in all states
BEST FOR: Cheap car insurance rates and Millennial drivers who are looking to become better drivers and get rewarded for it with even better rates!
We’ve used 1 to 5 scale ratings:
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
- Flexible coverage available
- Good for high risk drivers
CONS
- Customer service is not always the best
BEST FOR: High Risk Drivers.
We’ve used 1 to 5 scale ratings:
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
- Top brand
- Personalized service
- Great coverage
- Cheap rates
- Mutual
CONS
- Not enough choice of coverages
- Not the ideal company for high risk drivers
BEST FOR: Drivers who wants to be on the safe side and seek peace of mind that there is a reliable company behind them, that they are well covered and get good service
We’ve used 1 to 5 scale ratings:
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
- Excellent multi-policy discounts
- Easy to tailor your policy
- Trusted brand
CONS
- Certain features not available in some states
BEST FOR: Drivers who require an affordable car insurance policy that's tailored to their specific needs from a trusted company.
We’ve used 1 to 5 scale ratings:
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
- Great deals for military personnel and their families
- Excellent reputation for customer service
- Useful additional benefits
- Among the cheapest car insurance quotes
CONS
- Not open to non-military customers
BEST FOR: Military members, veterans and their families.
We’ve used 1 to 5 scale ratings:
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!
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In partnership with:
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 |
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 |
Whether you buy your car insurance direct, online, or via a broker, there are advantages and disadvantages to each approach. Which route works best for you depends on your specific needs, technical skills and time constraints, plus 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 in regards to 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 get connected with great auto insurers, find information about them, read customer reviews and get the best car insurance coverage for you.
We’ve used 1 to 5 scale ratings:
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 on 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. A lot of 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 how they treat their 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. The staying power of a company 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 be able to afford paying 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, there are also perks that follow through by signing up with a smaller car insurance company. Well, these startups are able to offer a fresh, modern, digital and customized service to their clients because the young blood in the industry tends to bring in 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 with 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 very strong 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 through a local agent/agency and then compare them one by one. You want all of the options on your table before making such important decision. What's the rate? what it covers? how reputed is the company? Pay a bit 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.
There are factors that determine your car insurance quotes like your gender and age that are out of your control. However, there are a couple of factors that you have total control of, 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 in to account. So, basically, they would want to weigh in on the probability that you’ll be filing claims on your car insurance.
In order to get the cheapest car insurance quotes, you have to research and compare quotes of different car insurance companies. In 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 as well as 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 own credit report and driving record to make sure it’s clean and in good standing. Basically, 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 have other driving violations, then 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.
In fact, if you’re a safe driver, there are several car insurance companies that 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 car that is costly in terms of car repair and mechanical breakdown, 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. Additionally, 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 the auto insurance discounts that your company has. 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.
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.
So now you might be wondering what other factors can play a role in determining your auto insurance rates. Here are a few:
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 in to three components:
Be sure to know what the liability limits are on your auto insurance plan.
In fact, it is important that we spend some time looking at the average car insurance cost per month. We know that finding a cheap auto insurance price is probably extremely important to you, but it is more important to make sure that you are well covered as well in case the unexpected happens... so sometimes it is better not to take the cheapest quote you get, but the cheapest one you get for the policy that covers you best.
Your premiums will likely be paid either every month, every six months or annually. It is very important to stay up to date on your payments.
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.
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 can 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!
In partnership with:
In partnership with:
We had Allstate roadside assistance through their SUV insurance coverage and were always delighted by their fair service and treatment.
I have Allstate truck insurance for 7 years by now and never had any issues with them. Service is fast, honest, dedicated and professional. Replies to any requests within a day. My full coverage (including towing, etc.) is the best you can get in that rate, which is particularly awesome, and I shopped around so I'm saving you some research time here. With other companies you only get personal liability and property damage at the same rate. They really give you the best value for the least amount of money which is hard to find with insurance companies. Reputable and Reliable. Allstate is highly recommended for every insurance need!
As a Florida citizen, car insurance rates are expensive here. With COVID-19 being around, working from home becoming a norm and we drive less. Allstate was very understanding of the situation and offered us a pay per mile car insurance. It was a very pleasant surprise. There's a daily rate as well as a per mile rate. It is brilliant as I will save roughly $300 compared to my previous insurer offered 15% COVID-19 discount. Very thankful.
I have been an Allstate customer for roughly 5 years after switching from State Farm. The car insurance policy is much cheaper. I never experienced any issue with my car since I became a policyholder (touch wood) so I cannot attest about their claims handling, however they are really great and easy to work with and I have utilized their good driver discounts a couple of times, as well as other discounts.
I'm an AAA member for years, and they have an outstanding customer service. have a home and auto bundle which I received discount for, always have someone available to help with any claims. I highly recommend them!