Finding affordable car insurance doesn't have to mean settling for the big insurance companies. Central Insurance, MMG and Secura, the smallest insurers offering coverage in several states, often have cheaper car insurance rates than Geico. We found that Geico has the lowest average rate for drivers with an at-fault accident, while American Family is the cheapest, on average, for drivers with DUI. If you're looking for affordable car insurance from a large company, Geico may be a good place to start. To get the best deal on car insurance, compare rates from at least three insurers once a year.
NerdWallet averaged fees based on public submissions obtained by price analysis company Quadrant Information Services. We examined rates for men and women in their 40s for all zip codes in all 50 states and Washington, D., C. Liberty Mutual was not included in our rate analysis due to a lack of publicly available information. If you drive less than average or are generally a safe driver, a usage-based or pay-for-mile auto insurance company, such as Metromile, may be the cheapest option. Even if you don't want to switch companies, it's smart to make sure you get all the discounts available on car insurance.
Some states don't allow auto insurance companies to base their quotes on credit-based insurance ratings. If your car is worth too little, you're paying for coverage that can result in just a small insurance check. An example of how to combine your insurance would be to add a homeowners or renters policy to your auto coverage. State Farm offers a number of discounts, including multi-car, anti-theft and accident-free discounts, and has package options that can help policyholders find even lower rates. Progressive also offers many discount opportunities, including a teen driver discount, a multi-car discount that can save you up to 12%, and a full pay discount for paying your entire premium upfront. State Farm's highly competitive auto insurance rates for different types of drivers and its low level of complaints make it worth considering.
You're also eligible for a number of discounts, including an accident-free discount, a multi-car discount and an anti-theft discount. Your state requires a certain level of personal injury and property damage liability insurance (unless you live in New Hampshire or Virginia). The cheapest auto insurance policy is the minimum coverage required in your state, generally known as state minimum liability coverage. Or, you may no longer need rent reimbursement coverage because you can borrow a family member's car if you need it. The best way to get cheaper car insurance is to compare quotes from several companies and then switch to the insurer that offers the coverage you want at the lowest rate. A world-class insurer will provide you with a customer-first experience, whether you need help getting a quote or filing a claim.