in

Inexpensive Auto Insurance Quotes

Find the Best Cheap Car Insurance

Whether you’re looking for a full coverage car insurance policy or liability coverage only, nobody wants to overpay. And the best way to get the cheapest car insurance possible is by comparing car insurance quotes — and the companies offering them.

To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.

Cheapest overall: Liability-only car insurance

The cheapest car insurance will often be the minimum coverage required in your state, which in most states is liability insurance. Liability insurance covers property damage and medical bills for others due to accidents you cause. Some states require additional or alternative coverage, such as personal injury protection.

Full coverage car insurance is more expensive and often comes with a deductible, a set amount you are responsible for if you file a claim. But it also provides more expansive coverage for your car, like if it’s stolen or damaged, whether by you, a hit-and-run driver or a fallen tree.

To get an idea of the cheapest car insurance rates, period, we looked at quotes from available carriers for the minimum required insurance in each state. Then, we compared it to the average cost of full coverage car insurance to show the difference in cost.

Average rates can give you an idea of pricing in your state for minimum or full coverage car insurance policies, but that says little about the companies available to you.

Cheapest of the big car insurance companies

Just five car insurance companies make up more than 55% of the U.S. market. They include Allstate, Geico, Progressive and State Farm, which are available to anyone, as well as USAA, the insurer for active military members, veterans and their families.

Since most people choose one of these large insurers, NerdWallet compared quotes from the five largest auto companies in ZIP codes across the country. Rates are for policies that include minimum coverage required in each state, plus collision and comprehensive coverage. Our “good driver” profile is a 30-year-old with no moving violations and credit in the “good” tier. Use the tabs to see rates for drivers with credit in the “poor” tier and those with one at-fault accident as reported to the insurer.

Keep in mind these are averages from across the country, so rates in your area will differ.

NerdWallet’s rating: 4.0 / 5

National average rates:

  • Good driver: $1,177/year
  • Good driver, poor credit: $1,901/year
  • One at-fault accident: $2,225/year

Among the biggest four car insurers, our data indicates Geico is often the cheapest. Not only was Geico the cheapest for drivers with good credit and no moving violations, it was also cheapest for drivers with poor credit. However, drivers with a recent at-fault accident might see significantly higher quotes from Geico compared to other insurers.

2. State Farm

NerdWallet’s rating: 4.0 / 5

National average rates:

  • Good driver: $1,366/year
  • Good driver, poor credit: $2,867/year
  • One at-fault accident: $1,637/year

State Farm was the second-cheapest for good drivers, but it also came in cheapest for drivers with one at-fault accident — nearly $600 per year cheaper than Geico in that category. State Farm also beats Geico, Progressive and Allstate in NerdWallet’s ranking of best car insurance companies.

3. Progressive

NerdWallet’s rating: 3.5 / 5

National average rates:

  • Good driver: $1,726/year
  • Good driver, poor credit: $3,056/year
  • One at-fault accident: $3,024/year

Progressive isn’t the cheapest in this large national analysis, but that only illustrates the importance of shopping around. In many states, Progressive had some of the lowest rates for all of our 2018 driver profiles.

4. Allstate

NerdWallet’s rating: 4.0 / 5

National average rates:

  • Good driver: $1,812/year
  • Good driver, poor credit: $3,054/year
  • One at-fault accident: $2,719/year

Allstate averaged more than others in this list for good drivers, but it was cheaper than Progressive for drivers with an at-fault accident or poor credit.

Cheapest for military-affiliated families: USAA

NerdWallet’s rating: 4.5 / 5

National average rates:

  • Good driver: $870/year
  • Good driver, poor credit: $1,654/year
  • One at-fault accident: $1,162/year

USAA is only available to veterans, active military members and their families, so we didn’t rank it against the others. Even so, we found it to be the cheapest, by far, among large companies for all categories.

Check out smaller insurers, too

Finding cheap car insurance doesn’t mean you have to stick with large insurance companies. Regional and small insurers may beat the lowest offers from the big guys. For example:

      • Grange Insurance, which is available in 13 states through independent agents, came in cheaper than USAA in all three of the above categories. The average rate for good drivers was only $566 per year.
      • Erie Insurance, available in 12 states and the District of Columbia, had an average rate of $759 per year for good drivers. Bonus points: Erie locks in your initial rate for four years and ranks fourth among our best companies. Read our Erie Insurance review for more information.
      • Country Financial is available in 19 states and returned an average rate of $940 per year for good drivers. It was also cheaper than the big four (but not USAA) for drivers with at-fault accidents and poor credit.

Cheapest car insurance in your state

How to get the cheapest possible insurance

No matter who your auto insurance company is, here are tips for saving on your policy:

        1. Look for discounts — even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you retired and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.
        2. Rethink insurance limits and deductibles. A higher collision and comprehensive deductible might make sense if you rarely drive or are financially comfortable with the risk. Raising deductibles means you’d owe more out of pocket if you had to file a comprehensive or collision claim, but it’s a surefire way to get cheaper car insurance.
        3. Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
        4. Cash in on major life changes. Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.

NerdWallet’s car insurance comparison tool makes it easy to see side-by-side rates from top companies.

NerdWallet averaged rates for 30-year-old men and women with no incidents on record for 10 ZIP codes in each state and Washington, D.C. from the largest insurers, up to 12 in each state. Rates in the first column are for minimum insurance coverage required by law in each state.

For the full coverage category, we averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible

In states where required, minimum additional coverages were added. We used a 2014 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

To compare the 5 largest insurers:

NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible

In states where required, minimum additional coverages were added. We used a 2014 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Getting cheap rates on auto insurance

Some insurance companies focus on the bare necessities for you to drive legally—bodily injury and property damage liability with the minimum limits—along with a claims process that’s spotty at best. Rather than take a chance on that cheap car insurance company, you can get quality coverage that won’t break the bank with Nationwide.

Nationwide’s insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.

How do I get cheap car insurance?

Everybody wants the best value for their car insurance premium. That’s why Nationwide offers many ways to get low rates, including our car insurance discounts. But what really makes us unique is the quality we offer our members. Here are a few benefits Nationwide members get:

  • Dependable, customizable car insurance – you can choose the auto insurance policies that suit your lifestyle and budget.
  • Top-notch claims service – Nationwide Claims Service is there when you need it, 24/7. You can file a claim online or by phone.
  • An annual On Your Side ® Review to ensure your coverage is meeting your needs.
  • Accident Forgiveness helps you avoid increased rates in the event of your first at-fault accident.

How can I lower my car insurance rates?

Certain factors influence your auto insurance rates, including some things you can control:

  • The kind of car you drive – The price and style of your vehicle will impact how much your rates will be. The age of your car also matters; older cars tend to be cheaper to insure.
  • The kind of coverage you choose – If you drive an older car with high mileage, you might consider dropping collision or comprehensive coverage if you need to keep your premiums low.
  • The amount of your deductible – Higher deductibles can significantly lower car insurance premiums. While it could mean more out-of-pocket expenses in the event of an accident, it could also mean paying less over time.
  • Where you keep your car – Rates are determined to some degree by the area in which you live and park your car.
  • The number of drivers on your policy – If you add someone to your policy, your rate will increase, particularly if that “someone” is a new teen driver. Statistically teenagers have more accidents so they’re more expensive to insure.
  • Your driving record – Insurance rates can sometimes increase after an accident or moving violation. The good news? You may qualify for a discount after a certain period of driving accident-free.

You can learn more about the factors that impact the cost of car insurance – and be sure to take them into account as you shop for coverage.

What about those discounts?

You can get more affordable rates on Nationwide coverage with our car insurance discounts, such as:

  • Multiple policies discount – When you carry multiple types of insurance policies from Nationwide (car insurance, home insurance, life insurance, motorcycle insurance and so on), you could qualify for lower premiums on each policy than if you had separate policies from different insurers. Think of it as a discount for bundling.
  • Affinity discount – We have established relationships with several organizations to offer discounts to their members. If you belong to such a group, you may be eligible for a discount on insurance from Nationwide.
  • Good student discount – Cheap car insurance for students is possible with Nationwide.
  • SmartRide ® discount – SmartRide is a tracking tool we offer to reward safe driving. Here’s where rubber truly meets the road – plug the device into your car and it will track your driving habits, such as hard braking, speed and so forth. With a steady hand at the wheel, your low-risk driving can earn you lower insurance premiums.
  • Paperless discount – You’ll save money on stamps and avoid late fees if you sign up to have your Nationwide bill paid automatically at regular intervals from your checking or savings account. Some policyholders may even earn a recurring discount when they agree to receive documents electronically.

Start saving money today

Yes, you can have cheap car insurance and unparalleled protection. Get a quote in minutes from Nationwide.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Best Cheap Car Insurance in California for 2018

If you’re looking for cheap car insurance in California, getting the best deal may require some patience. Rates can vary from one company to the next, so it pays to compare as many estimates as possible.

To make things easier, NerdWallet has done the heavy lifting for you. We researched rates from the largest insurers in the Golden State and found the cheapest options for several common driver types.

Included in this page are the cheapest rates for:

ALSO IN THIS ARTICLE

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

Esurance returned the cheapest rates for this group in our test, at roughly $105 a month, followed by Mercury and Geico.

If you have no violations or crashes on your record, look into discounts companies offer that reward your responsible driving. These sorts of perks could determine which insurer is ultimately cheapest for you.

Cheapest for young drivers

For drivers in their early 20s.

Drivers in their early 20s often need less coverage than older motorists who have families and greater savings to protect. For this reason, we ran rates for young motorists carrying the minimum required coverage in California.

Geico delivered the lowest sample quote in our results for young drivers in the general population, about $44 per month.

Cheapest for drivers with one at-fault crash

Causing an accident in California can add a significant amount to your premium. The lowest average quote for this category was over $500 more per year than the cheapest estimate for a driver of the same age with a clean record.

Esurance was the best choice for non-military-affiliated drivers in our analysis, with Mercury and Auto Club (AAA) rounding out the three cheapest options.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.

Given their reduced annual mileage, retired drivers can find relatively cheap car insurance in California compared to drivers with a daily comute. 21st Century delivered the best rates in our analysis, at roughly $84 per month, with Mercury and Esurance not far behind.

To save even more, retirees should look into discounts aimed at mature or retired drivers age 55 or older.

Cheapest for low-mileage drivers

For drivers who travel 5,000 miles or less per year.

Metromile targets drivers who put relatively few miles on their cars; its rates are frequently superior for those who drive under 5,000 miles annually. And other insurers offer per-mile insurance rates, where your bill could change monthly based on miles driven.

Cheapest for drivers with a military connection

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

USAA was the cheapest auto insurance option for every driver type listed above except retired drivers. USAA customers also benefit from the insurer’s top-rated customer service.

Minimum required car insurance in California

California drivers must carry liability insurance in the following amounts:

  • $15,000 bodily injury liability per person.
  • $30,000 bodily injury liability per accident.
  • $5,000 property damage liability per accident.

Liability coverage helps pay for other people’s injury or property damage bills if you cause the accident. Experts recommend getting more than the bare minimum if you want to avoid dipping into your own savings to cover expenses.

For instance, California has a relatively low property damage minimum, only $5,000. If you cause an accident and total another driver’s car, the damage could easily exceed that amount, and you’d have to pay the difference out of pocket.

Check out NerdWallet’s guide to state car insurance requirements for more details on how the required and optional parts of your California policy work.
[Back to top]

Alternative car insurance in California

If you have a high number of accidents, DUIs or other factors making it hard to find auto coverage on the voluntary market, you might qualify for insurance through the California Automobile Assigned Risk Plan. This organization connects high-risk drivers to insurance companies that will cover them.

For more help finding the most competitive prices in California, try NerdWallet’s car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Leave a Reply

Your email address will not be published. Required fields are marked *

Ins Official Website

Cheap Insurance 60629