Drive Down Your Auto Insurance Costs: Proven Strategies for Finding the Cheapest Coverage

Auto insurance quotes are based on your situation, the coverage you want and the discounts the company offers. Some things are set in stone -- for example, you can't erase a negligent accident from your recent history. That said, there are several ways to improve your Opportunities to find cheap auto insurance.

* Find Discounts: Common discounts from auto insurance companies include multi-vehicle bundles, military, new drivers, homeowners, good students, and good driver discounts. Search for the companies that offer you the best discounts.

* Improve your driver profile: You can improve your credit score to get cheaper insurance in many states. Becoming a good driver over time will also lower your rates.

* Try a usage- or habit-based program: If you drive less than average, you can get a usage-based discount because you're less likely to be in an accident. If you're a good driver, you can sign up for a habit tracker like Progressive's Snapshot? or use Root Auto to save money.

* Shop around: One basic way to find the cheapest car insurance is to shop around. Every time your policy comes up for renewal, you can compare quotes to make sure you, too, are getting the right rate.

Factors That Can Raise or Lower Your Auto Insurance Rates

Insurance companies look at many different factors when deciding how much you should pay for your policy. Here are the main factors:

Factors in How It Affects Your Auto Insurance Premium Age In general, people get into fewer accidents as they get older and gain driving experience (to an extent). Teen drivers pay the most, followed by drivers under the age of 25. Marital Status Married people tend to have fewer accidents, so they pay less for auto insurance. Car Make and Model Cars that cost more to repair also cost more to insure. This applies to collision and comprehensive insurance that covers your own car. Safety equipment such as seat belts and airbags can also affect the price. Yearly miles driven People who have long commutes and drive a lot of miles Pay higher insurance prices on their cars. Driving Record A good driving record can get you a discount, while a bad driving record can increase your premiums. DUI will raise your interest rate and you will be considered "high risk". Although your accident Driving history increases your chances of having a multiple-fault accident and also puts you in the high-risk category. Minor traffic violations increase the rate, but to a lesser extent. Credit History Most states allow auto insurance companies to consider your credit history when determining prices. Credit Mission Let your interest rate go up and vice versa. ZIP code urban areas have higher rates of theft accidents and vandalism, so urban drivers pay the most. Parking in a garage can sometimes lower your costs. Requirements by state States range from requiring little to no Insurance. You will pay more for insurance as more types are required. Required Coverage Auto insurance rates go up as you add more types of coverage or choose higher coverage limits. Drivers who are only looking for minimal coverage like basic liability coverage will often have the cheapest cars insurance rate. Deductible A high deductible reduces the total cost of the policy and vice versa. Average Auto Insurance Costs Based on our cost estimates, the average 35-year-old driver with good credit and a good driving history will pay about $1,712 per year in auto insurance costs in 2021. but Some states have cheaper auto insurance than others. Here are the top five states with the most expensive and cheapest auto insurance.

Most Expensive Auto Insurance States Average Auto Insurance Cost Cheapest Auto Insurance States Average Auto Insurance Cost Michigan $4430 Ohio $939 New York $4048 Wisconsin $970 Louisiana $3867 Maine $1013 Florida $2927 Vermont $1029 Nevada $2354 Indiana $1106 Find the cheapest car insurance Check out your state Here are our top picks for cheap auto insurance:

USAA: Best for military families

Erie Insurance: Best for basic coverage

Geico: Best for most drivers

Progressive: Best for high-risk drivers

Root Auto: Best mobile experience

Cheap insurance looks different for every driver, as prices depend on so many factors. However, there are always cheaper and more expensive insurance options, and the easiest way to find the best rate is to compare multiple insurance quotes online. It might take some research, but in the end You might save money on your next car insurance policy.

Frequently asked questions

Who offers the cheapest auto insurance?

USAA Erie Insurance Geico Progressive and Root Auto offer some of the cheapest auto insurance on the market. You can check out the many discount opportunities to find affordable auto insurance, and some companies offer usage-based insurance policies.

Which car insurance is the cheapest?

The cheapest type of car insurance depends on your state's requirements. Many states only require liability coverage, so you can get by with simple liability coverage. Other states require health insurance and uninsured/underinsured driver's insurance, so the cheapest auto insurance policy Because you must at least include these types of insurance.

You can usually save money by avoiding collisions and having full coverage, which is not required in any state. However, if you are involved in an accident and do not have collision insurance, you will have to pay for damage to your own car out of pocket.

Who Has The Cheapest Auto Insurance In Arizona?

USAA and Geico are some of the cheapest auto insurance providers in Arizona. The state requires standard amounts of personal injury and property damage liability coverage, and these companies offer affordable rates for these requirements.

How can I get super cheap car insurance?

Find the cheapest car insurance by comparing at least three options. Ideally, do your research at least a few weeks before you need to change plans. If you're a good driver and don't put a lot of miles on your vehicle, you can also try the usage-based option.

What is the cheapest online car insurance?

Based on our cost estimate analysis, USAA offers the cheapest online auto insurance for military members and their families, Geico offers the cheapest online auto insurance for drivers, and State Farm offers the cheapest online auto insurance for students.

Our methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to rank the best auto insurance companies. We've collected data from dozens of auto insurance providers to rate companies based on a variety of ranking factors. This The end result is an overall rating for each provider, with the insurance company with the highest score at the top of the list.

For this article, we've selected companies with high Composite Ratings and Cost Ratings. Cost ratings are estimated based on auto insurance rate estimates generated by Quadrant Information Services and discount opportunities.