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Not everything in the world is the same. Even the most identical twins do not share every feature. It’s the same with car insurance quotes. Before you shop for the best rates for car insurance, here's what you need to know about auto insurance quotes. Depending on the auto insurance company, car insurance quotes will vary by thousands of dollars a year. For the same coverage, a driver might receive a quote from one carrier for $25 per month and another for $135 per month.
Our team of car insurance analysts reviewed hundreds of quotes that were gathered around the country. Our study reveals that obtaining multiple free car insurance quotes is often the best way to find cheap car insurance.
What factors influence car insurance quotes?
Several factors influence your car insurance quote, and they vary by company. An insurer can increase the premiums by 10% if you live in a high-crime area, while another insurer can charge just 5% more.
Car Insurance Quote Factors:
Age - Teenagers have higher auto insurance quotes than nearly any other age group because they are more likely to be involved in a car accident.
Coverage - The coverage you choose will have an impact on your auto insurance quotes. Full coverage auto insurance applies to a package of coverages that includes higher liability limits and accident and comprehensive insurance.
Driving Record - Your driving record and frequency of driving will significantly impact the final car insurance quote you get. Accidents, speeding fines, and DUIs will increase your car insurance quotes. If you don't drive very much, you may want to look into usage-based auto insurance as a way to save money on your insurance.
Vehicle Make and Model - The make and model of your vehicle, as well as whether it has features such as a GPS or safety devices, all have an impact on your car insurance quote. Luxury vehicles and vehicles with costly safety equipment or high-end audio cost more to fix, raising your prices.
Location - The cost of your coverage is heavily influenced by where you live. The population density, crime, and accident rates in your area can all affect the cost of your car insurance quote.
Credit history - Insurers use your credit-based insurance ranking to assess how likely you are to make a claim. When determining your auto insurance quote, insurers are not permitted to factor in credit scores.
Car insurance history - Your history of car insurance plays a crucial role in establishing your quota for car insurance, including insurance lapses, recent accidents, and loyalty discounts to name a few.
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Cheap Car Insurance Rates by Company
Are you looking for cheap full, coverage auto insurance? We have listed below the cheapest car insurance companies for this year.
Company Avg. Annual Premium Monthly Premium
Erie $1,293 $108
Travelers $1068 $89
USAA $1224 $102
Nationwide $1236 $103
State Farm $1308 $109
Farmers $1584 $132
Cheap Car Insurance Rates by State
Ohio, New Hampshire, and North Carolina have the most affordable car insurance premiums. These eastern states' average car insurance rates are at least 40% lower than the national average of $124 per month. With an 18 percent fall in average insurance costs over the past year, Michigan was the state with the most significant decrease.
In general, less densely populated states have the most affordable car insurance premiums, especially those with low-risk drivers. Lower-density states like Maine, Vermont, and Iowa have some of the most affordable car insurance in the country.
State 2022 Average Annual Rate
Ohio $1008
New Hampshire $1116
North Carolina $1152
Virginia $1188
Vermont $1224
Wisconsin $1260
Hawaii $1296
Maine $1332
Iowa $1268
Indiana $1440
Cheap Car Insurance Rates by City
Knowing the typical pricing in your state's most and least expensive cities will help you determine if your quotes are competitive when you acquire car insurance quotes.
The average annual cost of full coverage car insurance, including collision and comprehensive coverage, is shown in the table below. However, keep in mind that your prices will vary depending on your specific rating variables.
City 2022 Average Annual Rate
Findlay $891
Cumberland Foreside $900
Bernardston $909
Robie Creek $945
Kimberly $969
Port Townsend $999
Kapaa $1005
Ames $1065
West Fargo $1080
Harrisonburg $1110
Cheap Auto Insurance after an Accident
For drivers with an accident on their record, the national average rate is $2055. State Farm has the lowest rate in our survey, second only to USAA. Its annual fee of $1533 is 26% lower than the national average, saving $525 per year.
Company After Accident
USAA $1419
State Farm $1533
American Family $1671
Travelers $1950
Cheap Car Insurance after a DUI
A DUI will almost always result in a significant rate hike for most drivers. Paying for auto insurance may be easier with a State Farm policy.
Who has the cheapest car insurance after a DUI? When compared to drivers with clean record rates, our analysis indicated that the average yearly rate of $2331 is an expected increase. State Farm does raise premiums following a DUI, but only by 35%. Drivers who choose State Farm for their car insurance save approximately $610 per year.
Company After DUI
State Farm $1722
American Family $1770
USAA $1920
Progressive $1992
Travelers $2211
Cheap Auto Insurance for Poor Credit
Credit problems can raise rates nearly as much as (and sometimes even more than) a DUI. Even though every insurer in our survey raises premiums for drivers with bad credit, Nationwide drivers may be able to save money. Its rates for bad-credit drivers are 28% cheaper than the national average, making it the lowest in our research.
The national average premium for drivers with bad credit is $2532 per year. This equates to a $711 annual savings. It's also worth mentioning that Nationwide's prices are $1842, offering it another affordable choice for bad-credit drivers.
(Insurers in California, Hawaii, and Massachusetts do not consider credit scores for calculating premiums.)
Company After DUI
Nationwide $1842
USAA $1,869
American Family $2244
Travelers $2442
Cheap Car Insurance for New Drivers
First-time drivers must compare car insurance rates to obtain the best deal, but choosing an insurance company with a good reputation is also critical.
Allstate is the best car insurance company for new drivers.
Company New Drivers
Allstate $1578
State Farm $1410
Nationwide $2862
Farmers $3972
Best cheap car insurance for military personnel and veterans
USAA (United Services Automobile Association)
The United Services Automotive Association is the only insurance provider that offers the cheapest car insurance premiums. There's one condition that needs to be met, however. To apply for a policy through the USAA, you are required to be either a member of the U.S. military, a military service veteran or a near family member of a person who has served.
This condition automatically disqualifies certain people — but if you do qualify for USAA's car insurance policies, we recommend that you do some research. Drivers who move their car insurance policy over to USAA could save up to $707 per year on their car insurance coverage. Surveys and customer feedback also suggest that a whopping 64% of USAA's customers are "pleased" with USAA's cheap car insurance premiums. What's more, customers often refer to USAA as the "most loved financial brand on earth" - high praise indeed for cheap auto insurance online plans!
USAA doesn't fall short when it comes to offering up great deals and discounts, either. If you're eligible for a USAA insurance plan, don't think twice! USAA has several cheap car insurance online discounts available, and that means significant savings for you as a customer. These discounts range from getting money back for careful driving practices, undertaking driving lessons or defensive driving courses, opting to buy multi-vehicle insurance, adding family members to your existing insurance plan, and parking your vehicle within a military base.
Best and cheapest car insurance for low credit score drivers
Root Insurance Co.
Root Insurance may be one of the new kids on the block for auto insurance companies that offer cheap car insurance online. However, the practices that they've put in place to aid drivers with low credit scores are a potential game-changer for the auto insurance industry as a whole. Root Insurance makes finding the cheapest car insurance rates a breeze, even if you're someone with a low credit rating.
Root Insurance uses telematics (via their iPhone or Android app) to track your driving practices. After a short period of being monitored in this manner, Root Insurance offers you a deal with discounted car insurance premiums depending on how safe your driving methods are. Your credit score hardly ever comes into play when choosing a cheap car insurance online plan with Root Insurance. Instead, your driving skills are estimated in advance, and you stand to save money on your car insurance premiums, based on Root's telematics calculations.
People who opt to switch to Root Insurance as their primary car insurance provided stand to save up to a whopping 52% on their car insurance rates - now that's the cheapest car insurance for you! Root Insurance can offer such high savings because they only provide insurance to drivers with a proven safe driving record. Any customers whose telematics are not up to par during the Root test drive are not offered a policy.
Root now operates in 36 states, with more states added soon, so make sure you check their website to see whether you're eligible for their discounted rates.
Best Cheap Car Insurance from Small Auto Insurers
Hunting for cheap car insurance doesn't necessarily mean that you've got to stick with the major insurance firms like Allstate. Smaller region-specific auto insurers can beat the big boys' lowest auto insurance rates in the car insurance industry. What's more, they come with the added benefit that they pay more attention to the customer's needs while backing them up with excellent customer support.
We've listed the annual average premiums and availability for several smaller auto insurance providers below. These smaller auto insurance firms offer lower yearly premiums on average than any other major insurance company listed above.
Grange: $600 a year.
Erie: $830 a year.
Secura: $870 a year.
Cincinnati Insurance: $965 a year.
Nation Financial: $1130 a year.
Car Insurance Discounts That Could Reduce Your Rates
We'll look at some of the most common car insurance discounts available across the industry to help you get the best coverage for you and the other drivers in your household. Savings might range from a few dollars to hundreds of dollars, but getting as many discounts as possible is one of the secrets to saving the most money on car insurance.
Keep in mind that not all insurance companies offer all of these reductions, and because insurance regulations differ by state, where you reside affects how much you pay for insurance.
If any of the discounts listed here sound like they might apply to you, contact your existing insurance provider to see if they are available and if you qualify. If you're looking for a new car insurance company and coverage, inquire about these reductions and whether you fulfill the eligibility requirements.
Don't be afraid to ask if it will help you save money.
Types of Insurance Discounts
There are a variety of car insurance discounts available in the market. All you have to do is ask and your car insurance agent will get you the best discounts available in the market.
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Tips to Get the Best Car Insurance Discounts
More techniques to save as much money as possible on your auto insurance policy can be found below.
Time for Renewal? Shop around
When shopping for insurance, we recommend collecting quotes from at least three different firms. Insurance costs differ significantly from one driver to the next and from one state to the next, so you might be surprised to learn which company is the most affordable.
For Personalized Coverage, Contact an Agent
Independent insurance brokers can assist you in shopping around for the best rates. You can also speak with someone who can assist you in locating discounts or specialty coverage that you might not be able to discover online.
Increase Your Deductible or Reduce Your Insurance Coverage
Lower premiums are obtained by raising your deductible or reducing your coverage. Still, you run the risk of having to pay more if you are involved in an accident or your vehicle is damaged in some other manner. This method is especially advantageous if your car loses value and will cost less to fix or if a minor damage isn't as significant to repair.
Maintain a good credit rating
Most insurance firms offer the best prices to customers who have a history of paying their payments on time, and good credit is a sign of dependability.
Compare insurance rates
It's no secret that some cars are more expensive to insure than others, but did you know you can examine how a new car would affect your premiums before you buy it? Cars with high theft rates or powerful engines are two examples of how a new car might suddenly increase your insurance premiums.