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| Top Tips to Save on Your Auto Insurance |
|---|
| You want to be sure to compare cheap car insurance quotes and with local insurance agents to maximize your savings. |
| Top rated insurance companies like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them. |
| Maintain good credit to keep your car insurance as low as possible. |
| Be sure to check for additional add-ons such as uninsured motorist coverage (UM), personal injury protection (PIP), medical payments coverage (MedPay), and roadside assistance. |
| Don't assume an older model vehicle cost less to insure. Insurance providers go by the safety rating and cost to replace it. |
| An easy way to lower comprehensive and collision coverage is to raise your deductible. |
| Take advantage of all auto insurance discounts. Which can be 20% or more in savings. |
| Do some research and take a few minutes to learn the minimum insurance and financial responsibility laws which apply in your state. |
| A good driving history is the best way to keep your car insurance rates as low as possible. |
| If you pay for auto insurance upfront in full you can save an additional 10% to 20%. |
| Don't let your car insurance lapse. If so, you will see a spike in rates. |
| Before buying a car shop for insurance quotes to see how much your premium may be. |
| Be sure to check your car insurance policy for mileage. If you drive less you can save hundreds more per year. |
| If you have an older model vehicle consider dropping optional car insurance such as comprehensive and collision insurance. |
| Make sure to do an annual insurance rate check. Plus auto insurance you may or may not need. |
| Vehicle | Insurance Rate | MSRP |
|---|---|---|
| Ford F-150 Car Insurance | $1,329 | $28,745+ |
| Honda Civic Car Insurance | $2,043 | $21,050+ |
| Tesla Model 3 Car Insurance | $1,987 | $35,000+ |
| Toyota Camry Car Insurance | $1,233 | $24,970+ |
| Chevrolet Silverado Car Insurance | $1,572 | $28,300+ |
| Dodge Ram 1500 Car Insurance | $1,776 | $28,450+ |
| Toyota Tacoma Car Insurance | $1,728 | $26,150+ |
| Nissan Altima Car Insurance | $2,183 | $26,325+ |
| Chevrolet Malibu Car Insurance | $1,384 | $23,270+ |
Type car insurance company name in search bar to find the pros, cons, and ratings. Otherwise, each insurer is from highest to lowest rated.
| Company | Pros | Cons | Rating out of 5 Stars |
|---|---|---|---|
| Amica Insurance | Zero restrictions on which body shop you use for repairs. | Few driver discounts, including pre-pay, low mileage, and military discounts. | 5 |
| USAA Insurance | J. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. | USAA is only available to members of the military and their immediate family. | 5 |
| Allstate Insurance | Allstate offers a claims satisfaction guarantee. | With Allstate's claims guarantee is typically a higher price in premiums. | 4.5 |
| American Family Insurance | Attractive features, discounts and benefits including the teen safe driver program. | Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. | 4.5 |
| Auto-Owners Insurance | Good enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. | No national coverage. Auto-Owners offer coverage in 26 states. | 4.5 |
| Country Financial Insurance | Been in business for 85 years and has top financial strength. 24/7 customer service. | Coverage is only available in 17 states. | 4.5 |
| Erie Insurance | For South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. | Limited to certain regions of the country. | 4.5 |
| GEICO Insurance | Consistently offers the lowest price. | Known to raise rates during the time of the policy. | 4.5 |
| Nationwide Insurance | Nationwide rewards accident-free years with its vanishing deductible program. | Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts. | 4.5 |
| Travelers Insurance | Travelers offers rates well below the national average. | Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues. | 4.5 |
| Electric Insurance | Valuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. | Mixed reviews on communications, billing, and collection practices. | 4.3 |
| Cincinnati Insurance | Offers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. | Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. | 4.2 |
| Liberty Mutual Insurance | Strong customer service with attractive features such a new and better car replacement. | New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. | 4 |
| MetLife Insurance | MetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection. | Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings. | 4 |
| Ameriprise Financial | Very attractive discounts and strong financial rating. | Limited availability. Only 14 states you can get a policy. | 4 |
| Tennessee Farmers Insurance | Lots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium. | Not all policy options are available in every state. | 4 |
| Progressive Insurance | 1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. | Doesn't offer new or better car replacement. | 4 |
| Texas Farm Bureau Insurance | Offers competitive rates for all age drivers particularly drivers over 35. | Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. | 4 |
| Farmers Insurance | With Farmers you can insure about everything. | Customer service is not 24/7 and reports of not-so-great claims handling. | 4 |
| Plymouth Rock Insurance | Excellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. | Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. | 4 |
| Safeco Insurance | 24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. | Customers have complained of claims being underpaid. | 4 |
| 21st Century Insurance | Part of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs. | If you have coverage outside of California you'll be directed to Farmers or Foremost. | 4 |
| Hartford Insurance | Mechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. | Claims satisfaction rating is only 2 out of 5 stars. | 4 |
| Esurance | Offers low rates, first rate website, and good customer service. | Customers claim Esurance will penalize for cancelling a policy. No local agents. | 4 |
| Southern Farm Bureau | Affordable rates in the markets they service with a bevy of discount options. Faster than average claim payout times. Policyholders seem very happy with Farm Bureau's personable customer service. | Can be tough to get in touch with the correct person at times when filing a claim. There have been several reports of cancelled policies after an initial claim. | 4 |
| NJM Insurance | Competitive premiums and offerings. High satisfaction with claims processing and coverage. Most customers stay with them once covered. | Insurance only available to employees of select organizations. Only in New Jersey and Pennsylvania. | 4 |
| Safety Insurance | VIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers. Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire. | Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. | 4 |
| Wawanesa Insurance | If you have a clean driving record your premium should be below average with this insurer. | Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. | 3.9 |
| Titan | Good, fairly priced options for non-standard auto insurance. Coverage and company affiliated and backed by Nationwide parent company. | Only available in 26 states. The complaints are higher than average compared to similar insurers. | 3.8 |
| Alfa Mutual | Good ratings on their financial strength, and a lower than average complaint index. | Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky | 3.5 |
| Allied Insurance | Recent partnership with Nationwide increases their coverage area and availability | Might not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process | 3.5 |
| Farm Bureau Mutual | Offers lower than average rates. Has a suite of discounts and affinity programs. | Only available in 19 states. | 3.5 |
| Arbella Insurance | Solid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area. | Auto policies only available in two states, Massachusetts and Connecticut. | 3.5 |
| Grange Mutual | Been in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies. | Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin. | 3.5 |
| Mercury Insurance | Mercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia. | Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives. | 3.5 |
| Auto Club | Excellent roadside assistance service. AM Best Rating of A+ Superior. Multiple membership discounts. | Drivers complain new vehicles will have excessive fees. | 3.5 |
| Kentucky Farm Bureau | Offers lower rates than most competitors. Nice discount options and coverage terms. | Not available in all states. Only in Kentucky. | 3.5 |
| Encompass Insurance | Strong financial ratings. Are able to get unique and tailor policy options at a reasonable price. | Poor reviews by customers of claims process. | 3.4 |
| Elephant Insurance | Good repair assistance program to help drivers with damage vehicles. Premiums are lower than average. | Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average. | 3.2 |
| Acceptance Insurance | Great for non-standard or high risk drivers. | Drivers with good driving history will pay above average. Claims process can be time consuming. | 3.1 |
| State Farm Insurance | Superior claims handling. State Farm has been the best at claims for years. | Doesn’t offer stacked uninsured motorist or new car replacement coverages. | 3 |
| Horace Mann | Established for teachers and those part of union, etc. Offers competitive rates. | Claims process can be slow and payout from accidents are lower than expected. | 3 |
| Home State | Home State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers. | Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. | 3 |
| Hanover Insurance | Easy to customize your policy. Nice string of discounts. | Prices can be higher than average. | 3 |
| Mapfre Insurance | Can get low rates through Mapfre in Northeastern states such as Massachusetts. | MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state. | 3 |
| Kemper Insurance | Kemper has excellent financial strength, flexible payment options and attractive discounts for policyholders. | Their rates can be higher than average. | 3 |
| The General Insurance | Hisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. | Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record. | 3 |
| Sentry Insurance | Sentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. | There are a number of customer complaints in the areas of products and services. | 3 |
| State Auto Insurance | State Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. | Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. | 3 |
| Chubb Insurance | Can pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. | Tailors to individuals with higher than average net worth. | 3 |
| Good2go Car Insurance | Offers extremely low rates some as little at $30 a month. Strong financial ratings. | No brand recognition. Most believe to be a new company though Good2go has 25 years experience. | 2.5 |
| Infinity Insurance | Immigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving. | Infinity does make the JP Power list. Have to assume the financials aren't that great. | 2.5 |
| Loya Insurance | Access to full-service and proprietary offices where agents can handle quotes and claims. | Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX | 2.5 |
| National General | Smart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors. | Mixed reviews of claims handling and auto insurance coverage types. | 2.5 |
| Safeway Insurance | It is difficult to find anything good about this company. | Presentation of inconsistent information from website and agents. | 2 |
| Access Auto Insurance | Basic online website with some options so you don't have to talk to an agent. | Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. | 1.9 |
Type your state in the search to find details.
| Average Yearly Premium Savings | State | Minimum Auto Insurance Coverage | Uninsured Motorist Protection Required? | Personal Injury Protection (PIP) Required? |
|---|---|---|---|---|
| $613/yr | Alabama Car Insurance | 25/50/25 | ||
| $765/yr | Alaska Car Insurance | 50/100/25 | ||
| $875/yr | Arizona Car Insurance | 15/30/10 | ||
| $643/yr | Arkansas Car Insurance | 25/50/25 | ✓ | |
| $912/yr | California Car Insurance | 15/30/5 | ||
| $1,008/yr | Colorado Car Insurance | 25/50/15 | ||
| $876/yr | Connecticut Car Insurance | 20/40/10 | ✓ | |
| $1,043/yr | Delaware Car Insurance | 15/30/10 | ✓ | |
| $342/yr | Florida Car Insurance | 10/20/10 | ✓ | |
| $1,754/yr | Georgia Car Insurance | 25/50/25 | ||
| $438/yr | Hawai Car Insurance | 20/40/10 | ✓ | |
| $775/yr | Idaho Car Insurance | 25/50/15 | ||
| $954/yr | Illinois Car Insurance | 20/40/15 | ||
| $1,211/yr | Indiana Car Insurance | 25/50/10 | ||
| $658/yr | Iowa Car Insurance | 20/40/15 | ||
| $699/yr | Kansas Car Insurance | 25/50/10 | ✓ | ✓ |
| $1,211/yr | Kentucky Car Insurance | 25/50/10 | ✓ | |
| $533/yr | Louisiana Car Insurance | 15/30/25 | ||
| $732/yr | Maine Car Insurance | 50/100/25 | ✓ | |
| $619/yr | Maryland Car Insurance | 30/60/15 | ✓ | ✓ |
| $323/yr | Massachusetts Car Insurance | 20/40/5 | ✓ | ✓ |
| $487/yr | Michigan Car Insurance | 20/40/10 | ✓ | |
| $769/yr | Minnesota Car Insurance | 30/60/10 | ✓ | ✓ |
| $1,006/yr | Mississippi Car Insurance | 25/50/25 | ||
| $790/yr | Missouri Car Insurance | 25/50/10 | ✓ | |
| $643/yr | Montana Car Insurance | 25/50/10 | ||
| $628/yr | Nebraska Car Insurance | 25/50/25 | ||
| $876/yr | NevadaCar Insurance | 25/50/20 | ||
| $899/yr | New Hampshire Car Insurance | 25/50/25 | ✓ | |
| $893/yr | New Jersey Car Insurance | 15/30/5 | ✓ | ✓ |
| $937/yr | New Mexico Car Insurance | 25/50/10 | ||
| $1,041/yr | New York Car Insurance | 25/50/10 | ✓ | ✓ |
| $473/yr | North Carolina Car Insurance | 30/60/25 | ✓ | |
| $644/yr | North Dakota Car Insurance | 25/50/25 | ✓ | ✓ |
| $612/yr | Ohio Car Insurance | 25/50/25 | ||
| $687/yr | Oklahoma Car Insurance | 25/50/25 | ||
| $653/yr | Oregon Car Insurance | 25/50/20 | ✓ | ✓ |
| $1,687/yr | Pennsylvania Car Insurance | 15/30/5 | ✓ | |
| $743/yr | Rhode Island Car Insurance | 25/50/25 | ||
| $834/yr | South Carolina | 25/50/25 | ||
| $531/yr | South Dakota | 25/50/25 | ✓ | |
| $589/yr | Tennessee | 25/50/15 | ✓ | |
| $1,634/yr | Texas | 30/60/25 | ✓ | |
| $897/yr | Utah | 25/65/15 | ✓ | |
| $921/yr | Vermont | 25/50/10 | ✓ | |
| $465/yr | Virginia | 25/50/20 | ✓ | |
| $855/yr | Washington | 25/50/10 | ✓ | |
| $1,710/yr | West Virginia | 20/40/10 | ✓ | |
| $1,027/yr | Wisconsin | 25/50/10 | ||
| $318/yr | Wyoming | 25/50/20 |
Advertiser Disclosure: All rates, insurance quotes, products and services are presented without warranty and guarantee. When evaluating insurance rates, verify directly with your current provider or insurance agent. Insurance quotes and offers are not binding, nor a guarantee of car insurance coverage. Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. We are an objective third-party resource for everything auto insurance.