The company’s discounts are numerous, varied, and designed to reward you, not just your car. It offers deductions for paying your premium on time, signing up for a policy early, and it even offers discounts for continuous coverage (renewing your policy before it expires). These types of discounts are less common than you might think, and they demonstrate that Travelers doesn’t just want to save money for its new customers — it’s concerned with keeping its old ones happy, too.
Nationwide’s coverage selection is more or less on par with companies like Progressive, Allstate, and GEICO. It includes all the core coverage options — from liability to uninsured motorist — as well as some add-ons that may be hard to find elsewhere, like GAP insurance, rideshare coverage, and accident forgiveness. Like other top companies, Nationwide also offers plenty of discounts. Customers can save by bundling home and auto insurance, installing safety devices on their car, taking a defensive driving course, staying accident free, and more.
If you rent or drive other people’s cars frequently, then, yes, you should look into a non-owner auto insurance policy, which provides basic liability coverage. Non-owner policies don't include collision or comprehensive coverage, because you don't need it. Remember, collision and comprehensive coverage pays for damage to your car and, in this scenario, you don't have one.
This unfortunate situation is a reminder that accidents can be very expensive — and getting more than the minimum 25/50/25 policy will benefit not only you, but also anyone else who might be involved in an accident. You don’t want to be the person sued for excess damages, and you don’t want to be the person stuck paying damages out-of-pocket. To avoid this, we recommend purchasing as much coverage as you can afford.
The National Highway Traffic Safety Administration's (NHTSA) 5-Star Safety Ratings Program provides consumers with information about the crash protection and rollover safety of new vehicles, with more stars equaling safer cars. We examined 2016 model year vehicles for which ratings are available to compile the list of most affordable to insure for teen drivers.

Allstate thrives when it comes to discounts for young drivers and students. The company’s Smart Student Discount will apply to anyone under the age of 25 who is either a full-time student with good grades, has completed the teenSMART driver education program, or attends a school within 100 miles of their home. Young drivers are typically the most expensive to insure; this unique discount can alleviate some of those costs.
Some, like deductions for paperless billing, are widely available and don’t have special eligibility requirements. Others will be determined based on conditions beyond your control, like the city you live in or the technology built into your vehicle. While not everyone will be eligible for every discount, the companies that offer more discounts give you more chances to save.
At the end of the day, the type of driver you are and how often you drive may play a part in the coverage limits you select. If you drive infrequently, you may be more comfortable with lower or average limits. If you drive at high-risk times or commute back and forth to work, on the other hand, more or better coverage might help you sleep better at night.
We’ve developed four lists comprised of the cheapest cars or trucks to insure, to fit the needs of car shoppers in the market for a crossover or SUV, a minivan or sedan, a hybrid or all-electric vehicle, a vehicle for you or a teen. The lists were created based on Mercury’s price for full coverage - liability, comprehensive and collision. Other factors, such as a driver’s experience and accident history, can push the rate up or down, but were not included in any of the rate calculations. Each list begins with the cheapest vehicle to insure.
Uninsured / underinsured motorist (UM / UIM) covers costs associated with an accident involving uninsured or underinsured motorists, or hit and run drivers. You can’t control the coverage of other drivers on the road, but if you get in an accident with someone who doesn’t have insurance — or who has insufficient protection — you’ll be forced to deal with the costs yourself. We know it’s frustrating to have to pay for someone else’s negligence, but opting for UM / UIM coverage will be well worth it when you need it.

If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.
Uninsured/Underinsured Motorist coverage is legally required in Virginia and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Virginia, the minimum is listed as 25/50/20 and explained below:
This fee is when submission of an SR-22 is requested by the policyholder. According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked for an accident, conviction, or judgment are required to file and maintain a Form SR-22 with the Department of Public Safety. If you feel that you may be required to file an SR-22, contact the Department of Public Safety for further clarification.

Both can be detrimental to you and your finances. That's why we offer up another great resource for vehicle insurance shoppers — independent agents. These unbiased experts can provide guidance and recommendations when it comes to the various coverage options and policy limits available, and can even help you uncover money-saving discounts. Not only that, they have a great understanding of the local market conditions, which helps them tailor the best policy for you.


Regular car insurance usually covers automobiles used for daily activities. These vehicles are used daily to go to the store, work or home and need basic auto insurance policies which includes comprehensive or collision coverage to pay for damage sustained in an accident or a theft. For an older vehicle, you might forgo these coverages since the vehicle might not be worth the cost of repairs.
Auto Show Medical Reimbursement: in case someone sustains an injury at an exhibit or event featuring your car. This coverage is not unlike the medical payments on a homeowners insurance policy, where the policy will pay medical expenses to the limit, regardless of fault. For example, if someone slips and falls in your exhibition space, this optional coverage would protect you.
Second, research your car. If it is an older model, then you may not need some of the add-ons such as comprehensive or uninsured motorist. It is not recommended to omit these coverages, but if your ultimate goal is to save money on your monthly payment, then you may want to consider it. Keep in mind that you will have to pay out of pocket later if you have an accident with an uninsured driver or if a tree falls on your car.
Southern Farm Bureau, a division of the Farm Bureau insurance company, earned a solid A+ financial stability rating from A.M. Best. However, that’s where the ratings end; the insurance company division was too small to be rated by J.D. Power or Consumer Reports. That being said, the broader Farm Bureau insurance company is rated Very Good in both claims process and claims payment speed on Consumer Reports, an indication that you’ll be in good hands with the company’s smaller divisions.
State Farm’s discounts include typical auto insurance discounts like multi-car and multi-policy along with some others for good grades, good driving habits, and cars equipped with safety features like air bags and anti-theft devices. You can cut your auto insurance rate even further if you sign up with State Farm’s Drive Safe & Save app, which tracks your driving in real time and — if you drive safely — can save you up to 50% on your premium.

It's hard to say. You might see rates change as you age, but they don't always go down, so much as they level out or increase at a lower rate. (Remember, the rules of inflation are in effect.) And that assumes you don't incur any red marks on your driving record. As for a change in marital status, you generally have to contact your insurer to get a rate decrease — and if your spouse has a less-than-stellar driving record, well, again, you mind wind up paying more.
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.
Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).
1AAA Insurance received the highest numerical Equity Score among the multi-line insurance brands included in the 2018 Harris Poll EquiTrend’ Study, which is based on opinions of 77,031 U.S consumers ages 15 and over surveyed online between January 3, 2018 and February 15, 2018. Your opinion may differ. “Highest Ranked” was determined by a pure ranking of a sample of multi-line insurance brands.
If you opt for the minimum required coverage in Virginia, prepare to pay an average of $385 annually. This is more affordable than the U.S. average by 41%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, protecting against costs incurred by car collisions, theft and vandalism, or weather incidents. It's worth noting that better coverage has a price: in Virginia, a comprehensive policy with a $1,000 deductible costs $792, 105% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 135% more than you would for a basic liability-only policy.

Liability coverage is legally required in Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Virginia, the minimum is listed as 25/50/20 and explained below:


Whether you own a 1994 Ford Mustang SVT Cobra, 1966 Ferrari 330 GTC, 1941 Willys Americar hot rod, original Model T from 1923, or other coveted collector car, you probably want to do everything you can to protect your investment and ensure many years of fun and enjoyment with your prized vehicle. That means keeping it clean, well-maintained and sheltered, as well as making sure you have the right automobile insurance coverage in place. Because when it comes to a classic car, truck, motorcycle, or other rare and vintage vehicle, traditional automobile insurance can’t keep pace with these street kings, the values they command or the TLC they require.
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
Some, like deductions for paperless billing, are widely available and don’t have special eligibility requirements. Others will be determined based on conditions beyond your control, like the city you live in or the technology built into your vehicle. While not everyone will be eligible for every discount, the companies that offer more discounts give you more chances to save.
During our research, we interacted with several independent agents who refused to give us a single detail about higher-priced plans. Despite our persistence, we were repeatedly asked, “Why would you want to consider something that costs more?” and we did not get the information we wanted. On the flip side, if your rates go up after committing to a policy, independent agents are best-suited to help you negotiate a lower price.
Common car insurance coverages to consider include liability, which most states require you to have, and collision coverage. Liability will help pay for another person’s injuries as well as the damages to their car if you’re found at fault. Liability coverage does not pay for the repairs to your vehicle, that’s where collision coverage comes into play. Collision coverage is typically an option, unless your lender requires you to carry this coverage. It will cover the costs to repair your vehicle after a car-collision.

In April 2018, Northwest Arkansas News shared the story of a Siloam Springs woman who, after being hit by a city-owned tractor-trailer, found herself with medical bills in excess of $80,000. The city-owned vehicle carried Arkansas’s minimum 25/50/25 policy, which only provided $25,000 towards the woman’s medical bills; the woman carried $25,000 in uninsured/underinsured motorist insurance, which left $30,000 in medical bills she owed out of pocket. Because the tractor-trailer was a city vehicle, the woman was not able to sue for the remainder of her damages.
Step 6: Make your choice. Now that you have weighed your choices, make your purchase. Be sure that you make all the choices that you made when you ran your quote. Make sure that there is nothing you have to do at the onset of your policy that will matter later on in your policy life, such as signing up for a safe driving tool that would give you a discount at a later date. Remember, your unique situation will determine which company is best for you.
Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change.  The Farmers Car Shopping Service website is owned and operated by TrueCar, which is not affiliated with any of the companies comprising the Farmers Insurance Group of Companies.

When it comes to auto insurance companies, the best ones are the most versatile in their coverage options and services. To compile our list of the best car insurance companies, we scoured the most reputable industry sources to find details about customer service, shopping experience, and more. Since the best car insurance companies aren’t always available nationwide, you can also take advantage of our quotes tool to find the best coverage available in your area:


Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, TX; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

Beyond the standard protections, supplemental (or “add-on”) coverage will keep you protected against the additional costs that often come with accidents. Features like car rental coverage may not seem essential when you view them as just another added cost, but the increase in your rate could still be lower than the cost of renting a replacement vehicle if your damaged car is in the shop for a while. The options offered by providers vary widely in both availability and cost. Our favorites offer supplemental coverage options that can build a policy for every profile.
If you find yourself away from the wheel more times than not, a pay-per mile auto insurance company like Metromile may be the best company to go with. Metromile is one of the first companies in the U.S. where a bulk of a driver's premium is determined by how much they drive. How much is too much? We found that generally for Metromile to be a good deal, drivers should only drive 7,500 miles or less per year. The biggest downsides to Metromile is a mediocre record of claims handling, in addition to the company only being available in seven states: CA, IL, NJ, OR, PA, VA, WA.
×