Cheap Car Insurance

the Best Cheap Car Insurance

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Rankings: Car insurance rates among the five largest companies

1. Geico

For the general population, Geico offers the cheapest car insurance quotes on average nationwide. NerdWallet found an average rate of $1,297 a year in our study.
Geico also provides a variety of easy-to-score discounts that can cut costs. Motorists who’ve gone five years without an accident qualify for the company’s good driver discount. There are also opportunities to save by insuring multiple vehicles, driving a car with air bags, always wearing seat belts and taking advantage of various other discounts.

2. State Farm

State Farm ranks second for pricing among the four largest companies, but with an average quote of $2,296 per year, nearly $1,000 per year higher than Geico. The good news is drivers have ample opportunity to trim their costs, especially if they have a clean driving record. Among other savings opportunities, State Farm offers four separate discounts that deal with safe and accident-free driving.
State Farm is the nation’s leading car insurance provider in terms of market share, offering a vast array of insurance products and financial services in every state plus Washington, D.C.

3. Progressive

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Progressive returned an average quote of $2,821 per year, which comes out to $235 a month. That’s $525 a year higher than State Farm and more than double the cost of Geico.
Progressive may appeal to drivers looking for a paper- and agent-free experience. You can manage your policy entirely online. Starting a quote online and signing policy documents electronically are also two ways to qualify for discounts, along with things like bundling auto and home insurance and insuring multiple cars.

4. Allstate

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Of the four largest insurers, Allstate had the highest average annual quote for good drivers at $3,182, or roughly $265 per month. Although ponying up that kind of cash is a lot to ask, the company has solid finances and relatively few complaints from policyholders. Allstate holds an A+ (Superior) financial strength rating from A.M. Best and has a customer complaint ratio of 0.77, better than the industry median of 1.00, according to data compiled by the National Association of Insurance Commissioners.
Among other discounts, Allstate offers price breaks for safe driving, including savings once you’ve gone accident- and violation-free for three years, and again for five years.

USAA: Best for those with military ties
Get a quoteAvailable only to active and retired military and their families.
You may already recognize USAA for its highly rated customer service. But the company has more to offer than a friendly bedside manner — it also notched the cheapest car insurance rates in our study, at $918 a year. USAA offers several discounts to help you save more, including for going more than five years with a clean record and for taking an approved defensive driving course.
USAA is open to active and retired military members and their families, and offers car insurance and other insurance products in all 50 states and Washington, D.C.

Check out smaller insurers, too

Finding cheap car insurance doesn’t mean you have to stick with large, national insurance companies. Regional and small insurers may beat the lowest offers from the big guys. For example:
  • Grange Mutual offered the lowest car insurance in Ohio at $701 a year.
  • Erie Insurance had a rate of $796 for Pennsylvania car insurance, second-lowest behind only USAA.

Tips for anyone to get cheap car 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 now work from home and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.
  2. Rethink your insurance limits and deductibles. Don’t strip away your coverage just for the sake of a lower price. But consider accepting a higher deductible on collision and comprehensive if it makes sense. Raising deductibles means you would owe more out of pocket if you had to file a comprehensive or collision claim. If you rarely drive or are financially comfortable with that risk, though, it’s a surefire way to get cheaper car insurance.
  3. 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 new city with stellar public transportation. If you’re commuting by train instead of car, your risk for accidents will go down — and your rates just might, too.
NerdWallet’s comparison tool makes it easy to see quotes from top companies side by side and possibly save hundreds on your rates.
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The 6 secrets of cheap car insurance quotes

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Sometimes car insurance premiums make sense. People living in places with more car crime or who have more expensive cars pay more, for example. But they're far from the only thing insurers up your premium for.
Insurers have gone as far as working out surgeons normally have more accidents where they were to blame than any other profession and building society clerks the fewest. They know Virgos were worst for accidents last year, but Pisceans had more convictions.
That means they will up your premium based on age, sex, job, post code and where you park park as well as what you drive.
But car insurance providers don't have to have to have it all their own way – we’ve found six ways to get cheaper car insurance that they’d really rather you didn’t know.

1. Use the right job title

Phil Harris / Daily MirrorClemie Moody Masterchef
If you describe yourself as a “chef” when filling in your car insurance application your average quote is £98 higher than if you write “kitchen staff” comparison site GoCompare.com found – and it’s not just cooks that have this problem.
“Music teachers” pay £86 more than “teachers”, “office managers” pay more than “office administrators”, and “construction workers” pay more than “builders” who – in turn – pay more than “bricklayers”.
Basically, if your job fits in more than one category, check car insurance quotes are for all of them before applying. For more on how your job affects your car insurance,check out GoCompare’s guide . And if you’re a full time parent or retired make absolutely sure you check that box and not “unemployed” – it could save you almost £300.

2. Add another more experienced driver to the policy

CatersA woman will have to grin and BEAR a fine - after attempting to use a giant TEDDY to beat traffic. The female driver, 19, placed a giant bear in the passenger seat of her car in the hope it would allow her to use a 2+ lane.
Not all drivers get you a discount
It’s a crime to say someone who isn’t the main driver of a car is, but adding a secondary driver is perfectly legal - and more than that, it can save you money.
Get their permission first, then add an experienced driver with a clean driving license and decent no-claims history to your insurance.

3. Never leave it till the last minute

GettyClocks
Searching around and switching car insurance three weeks before your renewal date, rather than on the day, saves you an average of £280, comparison site Comparethemarket found – with even bigger savings available for younger drivers.
Oh, and make absolutely sure you do compare and switch – figures fromMoneysupermarket.com show almost 6 million drivers just accept their auto-renewal quote – costing them £113 a year.

4. Get some cash back

PAMoney
Comparison sites make money because when you switch products with them they get a referral fee from the insurer. But if you’re clever, you can get that money yourself.
Topcashback is offering up to £110.25 cashback when you switch through them. Once you’ve compared prices and found which deal is cheapest, head over to one of them and see if you can get an even better deal by switching through the cashback site.

5. Pay up front

Butter Stick
Sometimes spreading isn't clever
Did you know that many insurers charge interest on your payments if you spread the cost over the year? Well, they do. an average of £62 more Moneysupermarket worked out. So if at all possible, pay up front.

6. Cut your extras and boost your excess

SWNSScrappage Scheme
What’s included in your car insurance quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy car? Every extra adds to the premium. More than that, a lot of them might already be covered by things like your travel insurance, AA membership, home insurance or even your bank account.
Double check you’re not double paying and then look to see if you really need these extras. Oh, and you need to check how much excess there is on your policy. This is how much you have to pay yourself when making a claim. The lower the excess the higher the car insurance, so work out how what you can afford to pay in the case of an accident and set your excess to that – even £50 can make a difference.
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