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How to get the cheapest car insurance quote

Buying auto insurance quotes regularly is the only way to find the best and cheapest auto insurance policy for you. Even if you have a clean record and are satisfied with your insurance company, you may find a better deal elsewhere.

However, your current insurance company may end up being your cheapest option. The only way to find out is to compare car insurance rates.

In addition to buying (at least once a year), you can try these other strategies to keep your premium low:

  • Work on your credit. Another reason to pay your bills on time? A 2020 car insurance price analysis found that drivers with bad credit and a good driving record pay roughly the same amount for car insurance as a driver with a DUI.
  • Look for insurance before buying a car. Insurance companies will charge you more (or less) depending on the type of vehicle you drive. A recent NerdWallet study found that the cheapest cars for insurance include the Subaru Outback, Jeep Wrangler, and Honda CR-V.
  • Drive carefully. Auto insurance is often expensive for drivers with a history of car accidents, speeding tickets, DUI, or other offenses in the last three to five years.
  • Look for discounts. You can save on your car insurance if you own a home, take a driver safety course, or belong to certain organizations.
  • Increase your discounts. Choosing to pay more out of pocket if you have a collision or full claim will help lower your monthly premium.

Auto insurance rates frequently asked questions

What is the average price of auto insurance?

According to a 2020 price analysis from NerdWallet, the national average cost of auto insurance is $ 1,427 per year for good drivers with good credit. However, any auto insurance quote you receive will be more specific to you.

How do I get free auto insurance quotes?

Most insurance companies offer free auto insurance quotes through their website, over the phone, or in person with an agent. You can also use our online car insurance comparison tool to see the rates for multiple companies simultaneously.

Does getting a car insurance quote affect credit?

Buying auto insurance quotes online will not affect your credit score. Having a generally lower credit score will increase car insurance rates in all states except California, Hawaii, and Massachusetts.

Can you get a quote for car insurance before buying a car?

You can, and should, get a free auto insurance quote before you buy the vehicle. Car insurance is an important aspect to consider when determining how much to budget for a new or used car, and prices can range by more than $ 200 per year, on average, even between the base model and the turbocharged upgrade.

Why are my auto insurance rates so high?

If you have a history of car accidents, speeding violations, or DUIs, your auto insurance quote will be higher than that of a driver with a clean record. Similarly, if you own a luxury car, live in a high-crime area, or have poor credit, your auto insurance rates may be above average.

Which insurance companies offer the cheapest rates?

You'll find that cheap auto insurance rates vary from person to person based on driving history, personal characteristics, and other factors. NerdWallet's 2020 auto insurance analysis of the best budget auto insurers found that among the largest insurers, Geico had the cheapest auto insurance quotes averaging $ 1,198 per year. State Farm and Progressive have offered the cheapest auto insurance rates, respectively.

While USAA had the cheapest auto insurance quotes overall, it wasn't rated because the company only provides insurance for active duty military personnel, veterans, and their families.