Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2018. Nationwide Mutual Insurance Company.

Liberty Mutual offers a few hard-to-find discounts, including savings for newly married couples, new graduates, retirees or drivers over 50, and certain drivers under 18. Some of its coverage options are on the rare side, too — like options for mechanical breakdown coverage, vanishing deductibles, or new car replacement that reimburses you for the car’s original worth (rather than its depreciated value). In short: Liberty Mutual has some niche offerings, so it may be worth speaking with an agent about specialized or customizable coverage needs.
Although it’s not hugely impactful, drivers with a Masters or Ph.D. save $44 per year on car insurance premiums, compared to those without a degree. Car insurance companies see clients with higher education levels as less risky and reward that decreased risk with a lower premium. The only states that do not consider education when determining rates are California, Massachusetts, Georgia, Hawaii, and Montana.
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.

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.


State Farm currently holds 25.7% of the Arkansas auto insurance market share, making it the largest insurance provider in the Land of Opportunity. It’s also earned an A++ rating from A.M. Best, which is the highest possible rating and represents a superior level of financial stability. J.D. Power rates State Farm three out of five for both overall experience and claims experience, and Consumer Reports gave State Farm a Very Good rating for claims process and an Excellent rating for speedy claims payment.
Insurance for a collectible automobile works much like traditional automobile insurance. The policy typically has a term of 12 months and includes coverage for liability, collision, comprehensive, medical payments, and uninsured/underinsured motorists. State-mandated liability coverages extend to collectible cars as well as regular private-passenger vehicles. In terms of optional coverage, apart from the standard ones such as collision and comprehensive, there are also some options unique to classic cars. Examples of options offered by most classic car insurers are:
Nationwide pulls lower customer ratings than our top picks. The company scored an 88 from Consumer Reports (putting it in 22nd place out of 27 companies), and an “average” rating from J.D. Power. In other words, Nationwide doesn’t knock it out of the park for either customer service or claims process — which are both crucial for a great insurer. It also missed our financial stability benchmark by a hair, with S&P Global and Moody’s ratings just below the “very strong” or “excellent” benchmarks that we look for.
At Erie Insurance, our classic car insurance takes this into consideration and values your car on a “stated amount” basis. That means we determine the value of your vehicle up front, before a loss happens. For vintage cars valued at $30,000 and up, our professional material damage appraiser will even inspect and value your vehicle. You’ll know ahead of time what your vehicle has been valued at so there are no surprises should a partial or total loss happen.    
When shopping for affordable car insurance quotes, come in with a good idea of your vehicle's value via Kelley Blue Book and NADA. If you determine your vehicle is worth more than $4,000 but you need to save money, consider raising your deductible. Because your car insurance deductible and premium are inversely related, you can lower your bill by raising your deductible. Looking at the chart below, you can see how your premium is affected by adjusting your deductible.
Virginia has a 10-year lookback period for most offenses, though subsequent offenses committed within five years may lead to harsher penalties. Penalties are also enhanced for high or extremely high BAC levels or for committing a DUI offense while transporting a passenger who is 17 years old or younger. All DUI offenders must report to an Alcohol Safety Action Program for screening and review. There may be a required attendance in classes or treatment before license reinstatement.
*The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.
Contrary to popular belief, collector cars aren't just vintage vehicles from Gatsby's era. They can also be modified, limited edition, classic trucks, vintage motorcycles, exotics and even military vehicles. If the car isn't your primary vehicle and you only use it for weekend drives, car shows, and other similar events, then it could be a collector car. More [+]
Contrary to popular belief, collector cars aren't just vintage vehicles from Gatsby's era. They can also be modified, limited edition, classic trucks, vintage motorcycles, exotics and even military vehicles. If the car isn't your primary vehicle and you only use it for weekend drives, car shows, and other similar events, then it could be a collector car. More [+]
We researched 36 of the best auto insurance providers based on their ability to serve customers and actually pay out claims; not just on premium cost. Of course, premiums matter, but since rates depend on many different factors — like your age, driving history, and even your ZIP code — the best way to find the most affordable price on the policy you want is to compare quotes. Use our quote tool above to get started.
This is a $10.00 fee that is applied to your account for a reinstatement related to non-pay cancellations. For example, if you miss your payment due date, and cannot pay before the cancellation date on your non-pay cancellation notice, a $10.00 fee will be applied to your account if and only if you decide to reinstate your policy. Elephant will never charge you a reinstatement fee if your policy has been canceled in error.

Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. Subject to eligibility requirements. 2Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, Auto Club South Insurance Company, Auto Club Insurance Company of Florida, or non-affiliated insurance companies. ©2018 The Auto Club Group. All rights reserved.


Erie also offers discounts for antique or classic cars that are driven at very low-mileage – for example, 500 miles or less per year. In most states, we also offer a reduced usage discount when your vehicle is laid up for 90 consecutive days or longer.  So you may find that insuring your collector car with us could even cost you less than a standard auto policy.
Full Agreed Value Guaranteed, No Deductible in Most States, Full Comprehensive and Collision, Liability With Limits Up To $1,000,000, Uninsured/Underinsured Motorist, State Required PIP As Medical Benefits, Inflation Guard Value Protection, Spare Parts Inventory Coverage up to $500, Trip Interruption up to $600, Towing and Labor up to $250, Automatic Coverage on Newly Acquired Vehicles, Uninterrupted Coverage During Repairs when your car Is in a shop, and More!  In addition, just one low liability payment covers all your cars!

The trade-off between large insurance companies and small ones typically involves giving up competitive rates for an improved customer experience. When using a small insurance company for your auto insurance, you’ll likely communicate exclusively with one insurance agent. While you generally lose a personal connection when selecting a large national insurance company, the large auto insurance companies tend to have more financial stability. In fact, the top insurance companies in the country underwrite and pay out billions of dollars per year. Additionally, the large insurance companies are able to leverage their resources to offer drivers lower insurance rates.
Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won't see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.

As you probably already know, a simple Google search blasts out a vast variety of insurance companies. Advertisements on television all promise savings. Their gimmicks attempt to grab your attention and win your business, which, all too often, can leave you confused. Have you ever ended up selecting the company you feel is most truthful in their advertising and try to get it over with quickly?


The price of car insurance can vary greatly between states. One company may be expensive in Utah, but inexpensive in New York. In some states, a small, local company could even offer the best price. Below, click through to your state to see which company and cities have the least expensive car insurance based on the numerous studies we've conducted.
×