How To Find The Cheapest Car Insurance Online

It does not matter whether you are looking for a full coverage car insurance policy or just looking to buy liability insurance, the thought of looking for the cheapest plan is very enticing. The best way to find a great deal on vehicle insurance is to shop around and compare the quotes that you get. In order to help you find the most affordable car insurance, NerdWallet conducted a vehicle insurance comparison of policy rates from five of the biggest car insurance companies across twelve of the most popular state in the country. These rates include comparisons of quotes for good drivers who have no tickets or accidents. Additionally, these quotes included collision, liability and comprehensive coverage.


Geico offers some of the most affordable car insurance policies for the general population throughout the United States. NerdWallet found that the average rate was $1,297 for a year. Geico is a popular choice because they offer a multitude of easy-to-get discounts to help customers cut their costs. If you have gone more than five years without an accident, you could qualify for their good driving discount.

State Farm

State Farm ranked as the second most affordable insurance company for good drivers. They offer their customers many opportunities to trim their policy costs. In terms of market share, State Farm continues to be the country's leading provider of car insurance.


Even though the Progressive quotes cost an average of $200 more than State Farm and almost double the cost of Geico, they appeal to many drivers who were looking for an agent-free and paper-free experience. Customers can easily manage their whole insurance policy online. Customers may even get a discount for signing up online and signing their policy documents electronically. They also offer many discounts for customers who combined different types of insurance policies.


Allstate had the highest quote out of all the top insurance companies. Even so, the company has the least amount of complaints from their policyholders. They offer many discounts to their policyholders including ones for safe driving and being accident or violation-free for three and five-year increments.

Look At Smaller Insurance Companies

If you are on the search for affordable car insurance, you don't have to settle for going with a large company. Many small and regional insurance providers often beat even the lowest offers from the larger companies.

Tips For Finding Affordable Car Insurance

No matter what insurance company you decide to go with, there are some ways to save money on your policy. Below are some of the top tips for savings:

• Ask For Discounts- Always be sure to ask your insurance company if you qualify for any discounts. When you ask your insurance company directly for discounts, you may find there are some you have not been taking advantage of.

• Rethink Insurance Limits And Deductibles- It is not wise to skimp on your coverage just to save a few dollars. However, before you consider accepting a higher priced deductible on comprehensive and collision coverage, be sure you are truly comfortable with that risk. Raising your deductibles would mean that in the event of a claim you would have to pay more out-of-pocket.

• Save Money On Big Life Changes- In many cases, certain life events could mean cheaper auto insurance prices. As an example, many insurance companies offered their policyholders cheaper rates when getting married or entering a domestic partnership. In addition, moving to a new city which has good public transportation could result in more affordable policies if you begin to drive less. Also, many companies offer multi-car discounts. The more cars you add to your policy, the more affordable your premium could be.

Military Discounts

If you are currently enlisted in the military or are retired from the military, you may be entitled to a policy with USAA. This company is widely recognized for their high-rated customer service skills. They offer some of the most affordable car insurance rates in the country. They also offer many discounts to help their customers save even more. To get car insurance through USAA, you need to be either retired military or active in the military. Family members of the enlisted may also receive car insurance through the company as well.

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