2022’s Best Car Insurance Companies: See our Reviews

Car owners need to obtain auto insurance coverage to be able to drive legally on the road – but they also need it to protect their car, themselves, and their passengers.

Naturally, you’ll want to get affordable car insurance rates, but it’s also essential that you get the proper coverage from a reliable car insurance company.

Insurance Geek wants to help you with your search:

Below, we’ve singled out the best car insurance companies on the market according to customer reviews, car insurance coverage options, discounts – and more.

You’ll also find an explanation of all the terms you should understand before you get a car insurance policy and a guide on how to choose the right car insurance company for you.

Also, you can use our car insurance quote calculator – for free – to compare the quotes from multiple companies and decide which one has the best offer.

Top Car Insurance Companies: A Quick Glance

If you’re in a rush to find the best car insurance company, check out the comparison table in which we’ve rated them according to specific criteria.

Still, it’s recommended that you read the whole article to have a complete picture of what you can expect from them!

Comparison table

Insurance Company Our Rating A.M. Best Rating
Nationwide Insurance 10/10 A+
Safeco Insurance 9.5/10 A+
Clearcover 9/10 N/A (because they are relatively new)
Geico 9/10 A++
Progressive 8.5/10 A+
Travelers 8 A+
Auto-Owners Insurance 8 A++
State Auto 7.5 A-

8 Best Car Insurance Companies

Nationwide Insurance – Best Overall

Nationwide Insurance logo

Nationwide Insurance made it to the first place on our list, being one of the largest and most reputable insurance providers with a wide assortment of products.

They are seasoned veterans when it comes to the auto, home, and life insurance industry, as they were founded in 1925 – formerly known as Bureau Mutual; they changed the name to Nationwide in 1955. That translates to almost a century of experience and an impeccable record.

Their basic car insurance offer includes bodily injury, property damage, personal injury protection, uninsured/underinsured motorist, and med pay coverages.

Additional coverages include what they call the “vehicle coverages.” That includes collision coverage and comprehensive coverage that can help pay for damage done to your vehicle, as well as towing and labor coverage that assists you in case your car is completely broken down or stuck in the event of an accident.

Next, they have the so-called “rental car expense” that kicks in if you can’t use your vehicle – for instance, if it’s being repaired because of a covered accident. It provides you with access to a rental car or pays for other means of transportation. Gap insurance covers you in the case of the total loss if you have a loan.

Also, Nationwide offers special car insurance coverage options that you can add to your regular policy, such as roadside assistance. This type of coverage means that you get 24-hour emergency service while on the road. Roadside assistance encompasses towing, gas delivery, changing a flat tire, etc., as well as lock-out services if your key breaks off or remains locked in the car.

In addition to the varied auto insurance policies offer, this company has competitive premiums and high customer satisfaction ratings. Nationwide auto insurance discounts are particularly beneficial.

Their special offers include:

  • Accident Forgiveness. If you opt for Accident Forgiveness, you can avoid having your rate increased in case of a minor accident.
  • Vanishing Deductible. When you demonstrate safe driving, you can take off $100 of your deductible every year, up to $500, which even means that your deductible could be completely erased, depending on its amount.
  • Total loss deductible waiver. With this option, you don’t have to pay the physical damage deductibles (for collision or comprehensive coverage) if you face a total loss.

Safeco Insurance – Runner-Up

Safeco Insurance logo

Safeco Insurance has been in the insurance industry since 1923, and it’s one of the Fortune 100 companies. It’s also part of Liberty Mutual Insurance.

Their average car insurance rates are very affordable, and it’s easy to find what you’re looking for because they offer a plethora of coverages.

Their basic auto policy includes med pay, liability, and property damage, and underinsured/uninsured, comprehensive, and collision coverage are optional.

Besides that, you can get what they call “New Vehicle Replacement,” which entails that they can compensate you, covering the value of a comparable new car for your vehicle under some circumstances. For example, if your car is less than one year old and has been stolen or totaled.

Also, Safeco offers Rental Car Reimbursement that defrays the cost of renting a car while your vehicle is being repaired.

Additionally, there’s the Guaranteed Repair Network that connects you to a reliable shop for your car (in Massachusetts and Rhode Island, they call it Superior Service Program) and 24-hour Roadside Assistance.

The best way to get a discount with Safeco is to bundle their auto and home coverage. In addition to these, they also offer motorcycle and boat & watercraft insurance.

Other ways to save money include:

  • Claims Free Cash Back, in which they pay you back 2.5% of your policy premium if you didn’t file claims over the period of six months.
  • Diminishing Deductible that reduces your deductible by $50 if you maintain a clean driving record for six months, or by $100 if you maintain it for a year.
  • RightTrack, Safeco’s program that you can sign up for. It includes the RightTrack app that monitors your driving, and it focuses on your safe behavior. Some factors that this app observes are your manner of braking and acceleration, how many miles you drive and the time of the day, etc. If you are exhibiting safe driving practices, the RightTrack program could save you up to $513 a year. The statistics and the discount you earned will be available in the app, and they will automatically apply to your premium.

Clearcover – Best Young Insurance Company

Clearcover logo

As it was founded in 2016, Clearcover is a relatively new company on the market. Still, it has quickly established itself as a reputable choice for people who want a modern solution.

Why modern?

Well, Clearcover is focused on digitalization and implementing the most innovative principles in their business.

To give you an example, they offer a completely virtual experience when obtaining the policy, provide you with auto insurance rates instantly, and have developed one of the first AI-powered claims management apps.

Due to this app, it only takes a few minutes to assess the eligibility of your clam, which in turn guarantees a fast processing time and payouts – and we’re talking less-than-a-week fast.

Their app also notifies you about upcoming premiums and allows you to change your payment info easily. You can also get connected to their roadside assistance service via the app.

Clearcover only sells auto insurance, but they are partners with Hippo (you can read more about this company in our review of the best homeowners insurance companies) to offer discounts on auto and home insurance.

When it comes to auto insurance options, you can get bodily injury liability coverage and property damage insurance, as well as what they call “full coverage insurance” that includes uninsured or underinsured motorist coveragecomprehensive, and collision.

Other, less common auto insurance products that Clearcover sells include:

  • Alternate transportation coverage that you can use for public transportation or a rental car while your vehicle is being repaired, and
  • Rideshare insurance, which protects you if you work as an Uber or Lyft driver. Note that rideshare insurance doesn’t apply to some other examples, such as if you work for a delivery service.

Clearcover offers a variety of discounts. The most common are:

  • Discounts for safe driving practices
  • Paying the policy upfront
  • Safety features discount (if your vehicle has features like ABS, airbags, automatic seat belts, etched glass, etc.)
  • Military discount

Last but not least, Clearcover’s customer support is available 24/7 through the app, which is something that you don’t get very often.

Geico – Best Discounts

Geico logo

Geico is another insurance veteran in the US, and it was founded in 1936. It’s known for coverage options that fit everyone’s budget with favorable discounts and low rates.

It’s easy to get informed about Geico’s offer and get in touch with them, as they have an intuitive website and a mobile app you can use.

Geico’s basic auto policy consists of bodily injury, property damage, and uninsured motorist coverage.

Optional add-ons that the customers can consider also include:

  • Collision coverage (for any type of collision, whether with another vehicle or an object),
  • Comprehensive coverage (for all other kinds of situations, such as theft and vandalism),
  • Medical coverage (pays for medical bills for you and your injured passengers),
  • Rental reimbursement (covers the cost of a rental car in case your vehicle is unusable due to an accident),
  • Emergency roadside assistance (helps you if your car breaks down or you run out of gas),
  • Mechanical breakdown coverage (you can use it to repair all mechanical parts of a new vehicle)

Considering the wide variety of Geico’s auto insurance solutions, perhaps the only type of additional coverage that they don’t have is gap insurance.

The area in which Geico shines is the discounts. The list is long – so we won’t mention all of the possible discounts here, but you can always ask us for more info.

  • Safety equipment
  • Owning a brand new car
  • Taking a defensive driving course
  • Discounts for students (16-24 years old, very useful as premiums for teen and young drivers can be more expensive),
  • Military members,
  • Federal members,
  • DriveEasy app discounts for safe driving habits (works for drivers in Illinois, Wisconsin, Oregon, Pennsylvania, Connecticut),
  • Accident forgiveness,
  • Spots groups and alumni association discounts

Another way to obtain a discount from Geico is to insure multiple vehicles with them or get another kind of policy. They also have mobile home, condo, renters, motorcycle, boat, and homeowners policies.

Progressive

Progressive logo

Progressive was founded in 1937, and they are established as the third-largest auto insurance company in the US. They also offer motorcycle and homeowners insurance policies.

Their Snapshot reward program allows you to obtain usage-based insurance (UBI) that personalizes your premium based on your driving habits. It helps calculate your rate by determining how much you drive and whether you are a safe driver.

You just need to register with the Snapshot app and drive with it during the first policy (this is usually six months). You can check the tips to improve your driving and track your progress and trips from the dashboard.

Progressive also patented the Name Your Price Tool that helps customers tailor their coverage to fit their budget.

While at the topic of budget and discounts, with Progressive, you can get:

  • Loyalty-based discounts (for multiple policies, multiple vehicles insured from the same household, continuous insurance)
  • Driver-based discounts (the Snapshot program we mentioned, teen driver discount, discount for good students – B average or better – homeowner discount, even if your home isn’t covered by Progressive, distant student discount, etc.)
  • Pay in full upfront discount
  • Accident forgiveness if the claim is less than $500

Progressive’s basic auto insurance offer includes liability coverages, comprehensive, collision, uninsured/underinsured, and medical payments.

Additional options include:

  • Gap insurance that acts like lease or loan payoff and it can cover up to 25% of the cash value of the car,
  • Rideshare coverage that protects you if you drive for a rideshare service (Uber, Lyft, etc.),

Travelers – Best Product Variety

Travelers Insurance logo

Travelers has been around for more than a century – more than 165 years, to be precise – which means that you can be confident you’ll be getting your insurance from an experienced and reputable company if you opt for them.

Their assortment of products includes individual options such as home, car, renters, condo, boat, and landlord insurance, and even some less common options like pet and wedding and events insurance. They also specialize in commercial insurance for businesses. That said, they do not offer life insurance.

Also, their A.M. Best A++ rating is a true testimony to their fast and efficient claims-paying process. You can enhance your claim experience by using Travelers’ digital claim reporting process that allows you to send documents and photos and keep track of your claim status.

Car insurance premiums are generally affordable and below average compared to some other companies. Travelers offers a variety of discounts to their customers, including:

  • Bundling their policies (saves you up to 13%)
  • Loyalty discount
  • Homeownership discount (even if your home is insured somewhere else)
  • Safe driving discount for a good driving record with no major comprehensive insurance claims in the past 3-5 years and no recent accidents
  • Discount on hybrid or electric cars
  • New car discount on cars that are less than 3 years old
  • Discount for good students
  • Pay in full discount, etc.

When it comes to the coverage options, the most common ones include bodily injury and property damage liabilitycollision and comprehensive, and uninsured or underinsured coverage.

Travelers also offers gap insurance that protects you if your car is totaled before you pay off your loan or lease and rideshare insurance that you can use if you drive for companies like Lyft or Uber.

Another interesting option is the Travelers’ IntelliDrive program that allows you to use an app you can download to your phone to track your driving performance. Here’s how it works:

If you enroll in the program, you will automatically get a discount for the first term of your policy, during which your driving behavior will be assessed.

They measure the time of day when you drive (driving late at night is considered riskier), speed, braking, and acceleration, as well as phone interactions while you’re driving.

Auto-Owners Insurance – Best Policy Endorsements

Auto-Owners Insurance logo

Auto-Owners Insurance is a Michigan-based auto insurance company with a long history that dates back to 1916. They focus on providing low premiums for their customers, and they have excellent customer service that’s readily available.

Perhaps the most significant downside is that they offer insurance only in 26 states, so make sure to check whether they operate in your particular state before you dig deeper into this company’s offer.

So, if the abovementioned limitation doesn’t apply to you, you can get an excellent price in exchange for a diverse range of coverage options that Auto-Owners Insurance offers.

You can obtain over 20 types of policies from Auto-Owners Insurance – but today, we are focusing on their car insurance.

The basic coverages are pretty similar to what you can find elsewhere:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Personal Injury Protection (PIP)
  • Comprehensive coverage
  • Collision coverage
  • Uninsured/underinsured motorist coverage

When it comes to special add-ons, you can get roadside assistance (they call roadside assistance “Road Trouble Service,” and unlike other options, it’s available in all 50 states), additional expenses coverage that pays for a rental car, and other additional expenses if you are far from home, and gap coverage endorsement that pays for loan or lease gap.

One of the most remarkable offers is their Personal Automobile Plus Package, which entails around 10 additional coverages on top of the basic ones. There’s identity theft, cell phone coverage, stereo coverage, etc., to list a few services – in short, all of the “little extras” that can save you a lot of trouble.

They also have two special deals:

  • Collision advantage that kicks in if you find yourself in an accident with another client insured via their policy. The advantage is that they will waive your deductible.
  • Common loss deductible that applies to the customers that have both auto and home policy through Auto-Owners. In case that the same incident causes damage to your vehicle and home, your deductible will be lowered.

Auto-Owners’ discounts are similar to what other companies offer, and you can save the most on multi policies, whether you insure two or more cars or you purchase additional insurance products from them.

There are also various discounts if the drivers practice safe driving habits, such as favorable driving records and those who have safety features installed. Additionally, there’s the possibility to use the TrueRide app to monitor your driving and save up.

State Auto – Best for Young Drivers

State Auto logo

State Auto, a Liberty Mutual Insurance company, was founded in 1921, and it has established itself as an affordable car insurance provider for teen drivers. When it comes to other groups of drivers, the rates are pretty average – sometimes even higher than with other insurers – but there’s plenty of ways to score a discount.

For example, drivers over 21 who have taken a defensive driving course within the last three years can qualify for a discount, as well as full-time students who have a GPA of at least 3.0.

Next, there’s the possibility to obtain discounts through their State Auto Safety 360 program. This usage-based program allows you to install a tag device on your vehicle and download their app that scores your driving behavior and can lower your rates. Also, by signing up for the program, you earn a 10% discount by default.

Other ways to save money on your auto coverage with State Auto include:

  • Paying your car insurance policy in full at the start of the term,
  • Discounts if you have anti-theft devices,
  • Two different products with State Auto (e.g., auto and home or umbrella insurance),
  • Insuring multiple vehicles from the same household with State Auto,
  • Start-Up discount, one of their unique offers, allows customers that are already insured with another company to switch to State Auto for a reduced price.

State Auto classifies its car insurance policies into three groups, depending on the coverages:

  • Standard
  • Protection Plus
  • Premier

All three levels include the basic car insurance coverages (liability, uninsured or underinsured coverage, medical payments, and comprehensive and collision).

Protection Plus and Premier packages include additional optional coverages like roadside assistance (up to $100 with State Auto), full safety glass (waived deductible for glass and lights repairs), gap coverage (they call it “Auto Replacement Cost Total Loss Plus”), and OEM parts that ensure that you get high-quality replacement parts.

Also, the Protection Plus and Premier customers qualify for the incident forgiveness benefit and minor violation forgiveness. That’s very beneficial, considering that the first accident could increase your premium up to 15%.

How To Pick The Best Car Insurance Company For You?

So, you’ve read about the best car insurance companies – but how do you choose the one that offers precisely what you need?

Here are some tips to help you choose the best car insurance company for you:

#1 Ask An Expert For Help

Car insurance shopping is complex. It can be difficult – and overwhelming – to take care of all at once. Understanding insurance terms, finding the cheapest car insurance rates, making sure you’ve got all the coverage you need, etc.

So, you can let an expert do all the hard work for you:

The Insurance Geek team consists of licensed insurance agents that can help you find the best options for car insurance policies, and we can also provide you with any additional information you need.

We are partnered with top-notch insurance providers to help our customers find tailored solutions. You can expect nothing less than professionalism from our agents and carriers.

#2 Get A Basic Understanding Of Insurance Terms

As a buyer, you should get acquainted with the basic terms of the insurance lingo, such as the coverage options. You can read online guides, such as our comprehensive, collision, and PIP guides.

We’ll also describe some of the basic terms below – but if you have more questions, feel free to reach out to an Insurance Geek today, and we will help you dispel any doubts you may have.

#3 Take Your Budget Into Consideration

Car insurance premiums may vary significantly with different kinds of insurance policies and insurance providers.

We can help you find the right insurance company that has what you need according to your budget if you talk to us and tell us the specificities of your case. Or – just to get an estimate of how much you would pay – you can check our online car insurance quote calculator.

#4 Compare Quotes

To choose the best car insurance, you need to compare offers from several insurance companies.

Rather than doing research on each and every insurance company you’re interested in – or even less convenient, contacting them one by one – we’ve found a way to make it easier for you:

We can generate quotes from multiple insurers who are our carriers if you simply give us some data about you.

We provide you with this information for free, and on our website, you can compare real-time quotes for your auto insurance policy. Then, we can also assist you if you wish to continue the shopping process through us.

How Did We Choose The Best Car Insurance Companies?

Here are the criteria we considered when we picked the best car insurance companies. The same applies to the process of choosing our carrier insurance companies.

Quality & Reputation

Only the most reputable insurance companies in the auto insurance industry make it to our list.

We don’t settle for less than an outstanding record and top-notch services. If there are any unresolved matters, safety concerns, or frequent complaints in an insurance company’s record, it is automatically eliminated from our shortlist.

Coverage Options

Top insurance companies need to offer a variety of different insurance products and coverage options.

Many car insurance companies specialize only in these kinds of policies, but others also offer other types of insurance – such as home or life. And by bundling their policies, you can save up a lot in the long run.

Next, we try to find companies that offer special benefits for drivers, such as incentives for young drivers, opportunities for accident forgiveness, good driving record discounts, and more.

Also, we assess how the value of these products compares to their price. We identify affordable insurance companies that have cheap premiums while providing top-notch policies.

Customer Satisfaction

In addition to reading customer reviews on reputable websites, we consider insurance companies ratings to determine customer satisfaction:

J.D. Power Rating

J.D. Power offers some of the most valuable insights into customer satisfaction when it comes to auto insurance companies.

They annually collect data and analyze the market in their studies to assign the J.D. Power rating index to different brands, including life and auto insurance companies. The factors they assess are the billing process, claim satisfaction, interaction with customers, price, etc. – all of which are of tremendous importance for an auto insurance company.

The majority of the auto insurance providers on our list continuously rank high in terms of the J.D. Power rating index.

National Association of Insurance Commissioners (NAIC) Rating

National Association of Insurance Commissioners develops laws and regulations for auto insurance companies across the US states, but it also does research on companies.

This rating takes into account the financial practices of a company, their legality, statistical reports, and so on.

We also made sure that the auto insurance companies on our list have an excellent National Association of Insurance Commissioners rating.

Financial Strength A.M. Best Rating

While the J.D. Power and the NAIC rating deal with multiple aspects of insurance companies’ performance, A.M. Best Rating focuses on the ability of an auto insurance company to pay out claims to its clients.

A.M. Best ratings from A++ to B+ are positive, and they signal that a company can handle and process insurance claims quickly. All of the companies on our list fall under this category.

How Did We Choose The Best Car Insurance Companies?

Here are the criteria we considered when we picked the best car insurance companies. The same applies to the process of choosing our carrier insurance companies.

Quality & Reputation

Only the most reputable insurance companies in the auto insurance industry make it to our list.

We don’t settle for less than an outstanding record and top-notch services. If there are any unresolved matters, safety concerns, or frequent complaints in an insurance company’s record, it is automatically eliminated from our shortlist.

Coverage Options

Top insurance companies need to offer a variety of different insurance products and coverage options.

Many car insurance companies specialize only in these kinds of policies, but others also offer other types of insurance – such as home or life. And by bundling their policies, you can save up a lot in the long run.

Next, we try to find companies that offer special benefits for drivers, such as incentives for young drivers, opportunities for accident forgiveness, good driving record discounts, and more.

Also, we assess how the value of these products compares to their price. We identify affordable insurance companies that have cheap premiums while providing top-notch policies.

Customer Satisfaction

In addition to reading customer reviews on reputable websites, we consider insurance companies ratings to determine customer satisfaction:

J.D. Power Rating

J.D. Power offers some of the most valuable insights into customer satisfaction when it comes to auto insurance companies.

They annually collect data and analyze the market in their studies to assign the J.D. Power rating index to different brands, including life and auto insurance companies. The factors they assess are the billing process, claim satisfaction, interaction with customers, price, etc. – all of which are of tremendous importance for an auto insurance company.

The majority of the auto insurance providers on our list continuously rank high in terms of the J.D. Power rating index.

National Association of Insurance Commissioners (NAIC) Rating

National Association of Insurance Commissioners develops laws and regulations for auto insurance companies across the US states, but it also does research on companies.

This rating takes into account the financial practices of a company, their legality, statistical reports, and so on.

We also made sure that the auto insurance companies on our list have an excellent National Association of Insurance Commissioners rating.

Financial Strength A.M. Best Rating

While the J.D. Power and the NAIC rating deal with multiple aspects of insurance companies’ performance, A.M. Best Rating focuses on the ability of an auto insurance company to pay out claims to its clients.

A.M. Best ratings from A++ to B+ are positive, and they signal that a company can handle and process insurance claims quickly. All of the companies on our list fall under this category.

Things You Should Know Before You Get Car Insurance Coverage

Before you purchase an auto insurance policy, you should at least get acquainted with the different kinds of auto insurance coverage that you can get.

Car Insurance Coverage Options

Following are the basic coverages that every driver should have:

  • Bodily injury liability insurance. Every state requires a certain minimum amount in bodily injury. This type of coverage pays for the medical expenses and lost wages of the other party in an at-fault accident.
  • Medical liability/PIP. Because bodily injury doesn’t pay for the medical expenses of you and your passengers in an at-fault accident, you should consider PIP (Personal Injury Protection) insurance. If you, a person driving your car, or your passengers are injured, you can count on Personal Injury Protection.
  • Property damage liability insurance. This one’s a mandatory part of auto insurance that covers the damage you cause to another individual’s property – be it their vehicle or property, such as a fence.
  • Collision. Collision car insurance reimburses you for the damage sustained for your vehicle. Collision insurance includes collisions with another vehicle and objects – for instance, if you hit a speed bump or a pothole.
  • Comprehensive. We like to call comprehensive coverage “everything else coverage.” Just like the word suggests, comprehensive coverage offers protection from a wide range of issues – such as natural disasters, vandalism, or theft.
  • Uninsured and underinsured. This type of coverage kicks in if someone hits you and doesn’t have enough insurance to pay for your expenses or if they don’t have any insurance at all.

In addition to the basic coverages listed above, you should consider getting optional add-ons and endorsements. These vary by company, but the most frequent ones are:

  • Rented vehicle coverage. It covers the expense of a car rental if you cannot drive your car for a certain period because it was damaged in a covered accident. It can also be extended to pay for any repairs or damage you cause to the rented vehicle.
  • Roadside assistance coverage. Minor incidents that we don’t anticipate can happen all the time, unfortunately, and by Murphy’s Law, it usually happens when we need our vehicle the most. This kind of coverage can be useful as it provides a range of services that run the gamut from gas delivery to unlocks, jump-starts, winching, and even towing.
  • Gap coverage (also called lease/loan coverage). This coverage can help pay off your car loan in the event that your car is stolen or totaled in that it accounts for the depreciated value of your vehicle and what you still owe on its market value.
  • Rideshare coverage. While rideshare companies usually offer some coverage for their drivers, there is a gap that this type of coverage aims to fill. Namely, you’re covered while you’re waiting for your next client, even if you decide not to accept the ride. That is mostly used by Lyft and Uber drivers.

State Minimums

Every US state will require you to have a certain amount of bodily injury and property damage liability insurance to get legally on the road. Some states will also require mandatory underinsured or insured auto insurance.

To put it in perspective, for instance, New Mexico state minums are $25,000 per person and $50,000 per accident in bodily injury, and $10,000 per accident in property damage. On the other hand, California requires drivers to have $15,000 per person and $30,000 per accident in BI, and $5,000 in property damage.

At Insurance Geek, you can get a quote no matter your ZIP code and the state you come from:

We know everything about minimums and auto insurance requirements for every state.

That said, minimum coverage limits will usually not be enough for all the potential scenarios. For example, imagine being involved in an accident with a Tesla – the minimums will simply not cover all the costs.

We recommend 100/300/100 coverage, which means $100,000 BI per person, $300,000 BI per accident, and $100,000 in property damage. Still, everyone’s needs are different – and what works for one of our customers might not work for someone else.

That’s why we would like to hear about your specific case and help you find everything you need.

How Much Will I Pay For Car Insurance?

Your auto insurance premiums will depend on a lot of interrelated factors. Some of them include:

  • Age group. Young drivers might get a higher insurance premium than some other drivers. The reason behind this is that young drivers have less driving experience.
  • Credit score. Drivers with a poor credit score might also get higher car insurance rates because insurance companies are interested in the financial history of their customers.
  • Driving record. A clean driving record with no recent speeding tickets or citations can score you a lower premium. Some insurers also offer accident forgiveness.
  • Location. Where you drive will also affect how much your car insurance costs. Drivers who pay for coverage in urban areas and large cities might pay more due to the increased risk of incidents.
  • Insurance company. Not every insurance company is equally affordable, so you should always compare quotes from multiple insurers to see which car insurance provider has the cheapest offers.
  • Your vehicle. The make, model, and even the color of your vehicle will all influence the car insurance rates.
  • Discounts. There are different ways to save money and obtain various car insurance discounts. For instance, carriers value loyalty, and they will reward you if you get multiple policies from them. Drivers with an upstanding driving record or those who have safety measures in their vehicle (etched glass, anti-lock brakes, alarms) can also get a discount.

Get Cheap Car Insurance Quotes Today

With so many factors that determine auto insurance rates, purchasing auto insurance can seem very complicated.

At Insurance Geek, we’ve made auto insurance easy to get.

You can begin by getting free quotes from a variety of auto insurers if you fill in our quote form. You only need to give us your info once, and we will contact our carriers, who will instantly give you the cheapest quotes.

We also promise not to bother you with any follow-up calls or spam your inbox. We’re only there to help you calculate the price of your car insurance and guide you through the shopping process if you decide to continue!

Can I Get Car Insurance Discounts?

Yes, insurance discounts are always available.

You can save money if you bundle up policies with the same company or score better rates if you have a positive credit rating and driving record.

Even drivers with poor credit scores can find different discounts on another account – if they have anti-lock brakes or etched glass or take defensive driving lessons, for example. Discounts for veterans and students are also possible.

Other Insurance Products You Need

Auto owners might want to consider some other insurance products that can guarantee their financial protection in addition to auto insurance policies.

Here are some other popular insurance products worth looking into:

  • Life insurance. It equals peace of mind for you and your family. We can also generate cheap life insurance quotes for you if you use our quote calculator.
  • Homeowners insurance. Your home is arguably your most valuable asset, so homeowners insurance is a must for every homeowner. You can get cheap homeowners insurance quotes here.
  • Renters insurance. If you’re renting an apartment, this type of coverage is essential for your belongings because the landlord’s homeowners insurance policy won’t protect you. You can find free online renters insurance quotes here.
  • Annuities that provide a guaranteed income stream are often used as a part of a retirement plan. We also offer an annuity rate calculator for free.

There are many other kinds of policies that can be useful for you. Plus, as mentioned, by bundling policies, you can score a discount.

So, tell us about your particular needs – and we’ll help you find a product for you.

Final Words: Auto Insurance Quotes Calculator

All auto owners have to have car insurance – and choosing the best car insurance company is the most important step of the whole process.

We hope we shed some light on the best car insurance companies that offer reliable insurance policies and a cheap car insurance premium.

If you use our quote calculator, you can compare the offers to pick an auto insurance company for your needs. We will also help you save money with various kinds of discounts that they offer.

Insurance Geek is glad to help you with any car insurance-related matters. Contact us today!