| 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 | $1,728 | $26,150+ |
| Nissan Altima | $2,183 | $26,325+ |
| Chevrolet Malibu | $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 | HawaiiCar 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 | 30/60/25 | ✓ | |
| $644/yr | North Dakota | 25/50/25 | ✓ | ✓ |
| $612/yr | Ohio | 25/50/25 | ||
| $687/yr | Oklahoma | 25/50/25 | ||
| $653/yr | Oregon | 25/50/20 | ✓ | ✓ |
| $1,687/yr | Pennsylvania | 15/30/5 | ✓ | |
| $743/yr | Rhode Island | 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 |
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