Cheap auto insurance for drivers who cause accidents

    CompanyAverage annual rates after accident with injuriesSavings compared to average
    USAA$1,613$646 cheaper
    State Farm$1,713$546 cheaper
    Erie$1,898$361 cheaper
    Travelers$2,000$259 cheaper
    Geico$2,097$162 cheaper
    Average$2,304
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    Expect car insurance rates to increase at renewal if you’ve caused an accident, especially one that injures someone else. Nationally, the average rate increases by 47%, which means paying about $735 more per year than a driver with a clean record.

    USAA offers good rates for military and veterans. For other drivers, State Farm and Erie had the least expensive car insurance in our analysis. Erie is a regional insurer serving 12 states.

    Cheap auto insurance for drivers with a DUI

    CompanyAverage annual rates for a driver with one DUISavings compared to average
    State Farm$1,942$681 cheaper
    Travelers$2,150$473 cheaper
    USAA$2,195$428 cheaper
    Erie$2,358$265 cheaper
    Average$2,623

    One of the things that can result after a DUI conviction is higher car insurance costs. Car insurance companies usually scan your car records before your policy renewal to check for tickets and confirmations, and then apply an increase based on your records.

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    A DUI conviction leads to an average increase of more than $1,000 per year. Even with a DUI conviction, you can shop around for cheap car insurance. State Farm, Travelers, and Erie have the best rates in our review, and USAA can also be a good choice for qualifying military and veterans.

    Cheap auto insurance for drivers with poor credit

    CompanyAverage annual rates for drivers with poor creditSavings compared to average
    Geico$1,679$1,197 cheaper
    USAA$1,910$966 cheaper
    Travelers$2,348$527 cheaper
    Average$2,876

    Having bad credit can be one of the biggest obstacles to getting cheap car insurance premiums, even if you have a great driving record. Bad credit can lead to higher car insurance rates than having a DUI or accident on your record. The average rate increases by more than 80% for drivers with bad credit compared to those with good credit.

    With potential sky highs, shopping around is especially important. Geico and Travelers have the cheapest car insurance for drivers with poor credit, reviewed by our company. USAA is a good bet for military and veterans.

    Cheap auto insurance for seniors

    CompanyAverage annual rates after accident with injuriesSavings compared to average
    Geico$1,197$480 cheaper
    USAA*$1,299$378 cheaper
    State Farm$1,423$254 cheaper
    Travelers$1,515$163 cheaper
    Erie$1,525$152 cheaper
    Nationwide$1,611$67 cheaper
    Auto-Owners$1,633$44 cheaper
    Average$1,677
    *USAA is only available to military members, veterans and their families.

    Geico offers the cheapest auto insurance for drivers ages 65-85, according to our review of rates from 10 major insurance companies.

    However, the best auto insurance for seniors will vary depending on and where you live and information about you, such as your driving record.

    Our research found that you can expect your car insurance premiums to increase by 6% to 12% every five years by age 65. By age 85, your premiums can increase by 43% over your normal rate. -paid at age 65.

    Affordable auto insurance for young drivers

    CompanyAverage annual rates after accident with injuriesSavings compared to average
    Nationwide$651$1,470 cheaper
    State Farm$1,003$1,118 cheaper
    American Family$1,694$472 cheaper
    USAA*$1,746$375 cheaper
    Geico$1,958$163 cheaper
    Average$2,121
    Average based on rates from 78 car insurance companies nationwide.
    * USAA is only available to military, veterans and their families.

    It is not cheap to add a young driver to your car insurance policy, as new drivers pose a greater risk to insurers.

    We analyzed rates from 78 car insurance companies nationwide to find the cheapest car insurance for teenagers and found that adding a teen driver to a parent’s policy will increase the amount by $2,121 on average per year.

    This amount is usually double that of the parents. But it’s still cheaper to add a young driver to a parent’s policy than for a teenage driver to get their own.

    Average car insurance rates for different drivers

    How do different factors affect your chances of getting cheap car insurance? In our analysis of rates from 10 major insurers, bad credit is the biggest barrier to cheap car insurance rates. The case of the accident that injured another person hurts another.

    Whatever your situation is, you may need a good contract using more car insurance charges. Even drivers have a good hard disk must make the best price.

    This is the description of the age of each year for different drivers.

    Type of driverAverage annual rates
    Good driver$1,569
    One accident causing injury$2,304
    One speeding ticket$1,947
    One DUI$2,623
    Poor credit$2,876

    >> MORE: The Cheapest Car Insurance in January 2023

    How to find the cheapest car insurance for you

    The easiest and best way to find cheap car insurance is to shop around. Determine your coverage needs, then compare the coverage, limits, and deductibles to find prices for similar policies. There is no point in finding the cheapest car insurance policy only to find that the price is lower because it has a minimum level of coverage or high deductibles.

    Insurance discounts are one way to get cheaper car insurance, but it can leave you open to repair costs and lawsuits. Instead, try these tips for getting cheap car insurance.

    Get quotes from many car insurance companies

    Comparison shopping is the best way to save hundreds of dollars every year. Even if you have a hit against you, such as an accident or a violation, you can still shop for cheap car insurance rates.

    Due to the wide variation in prices, the company that gives you the best rate for a clean record may not be cheaper than when your driving record changes. This is why it is important to compare car insurance coverage from different insurers.

    Check your car insurance

    It’s a good idea to review your policy regularly to make sure your current coverage, limits and deductibles are the best for your current situation. Do you have optional coverage on your car that you don’t use or need, such as roadside assistance or rental reimbursement coverage? If so, remove them to get cheap car insurance.

    Your deductible is what is deducted from the premium if you are doing contract or comprehensive insurance. If you can get a higher amount if you claim, increase it to make your collision and comprehensive insurance cheaper. For example, if you have a $250 deductible, you can raise it to $500 or $1,000 and save.

    Cheapest auto insurance in your state

    StateCheapest companyAverage annual rate
    AlabamaGeico$1,081
    ArizonaGeico$992
    ArkansasState Farm$1,314
    CaliforniaWawanesa$1,668
    ColoradoGeico$1,160
    ConnecticutGeico$719
    DelwareGeico$1,205
    FloridaGeico$1,699
    GeorgiaGeico$1,210
    IdahoAmerican National$585
    IllinoisPekin Insurance$1,060
    IndianaGeico$787
    IowaState Farm$887
    KansasTravelers$1,312
    KentuckyGeico$1,073
    LouisianaLouisiana Farm Bureau$2,438
    MaineGeico$590
    MarylandTravelers$1,287
    MassachusettsGeico$1,019
    MichiganGeico$1,045
    MinnesotaState Farm$1,090
    MississippiDirect General Insurance$1,026
    MissouriState Farm$1,402
    NebraskaFarmers Mutual of Nebraska$1,368
    NevadaGeico$1,115
    New HampshireConcord$818
    New JerseyPlymouth Rock$1,208
    New MexicoGeico$1,065
    New YorkProgressive$1,047
    North CarolinaGeico$872
    North DakotaGeico$758
    OhioGeico$764
    OklahomaGeico$1,151
    OregonState Farm$1,006
    PennsylvaniaErie$1,164
    Rhode IslandGeico$1,330
    South CarolinaAmerican National$721
    South DakotaGeico$1,072
    TennesseeState Farm$875
    TexasTexas Farm Bureau$1,035
    UtahGeico$830
    VermontGeico$591
    VirginiaGeico$1,041
    WashingtonProgressive$1,096
    West VirginiaGeico$1,159
    WisconsinGeico$793

    How to get cheap and discounted car insurance

    Auto insurance rates can vary widely because each company has its own way of measuring factors that affect auto insurance rates, such as driving record, history, and credit. Insurance companies also differ in the discounts they offer.

    To get cheap car insurance with discounts, keep car insurance discounts in mind when comparing a policy. Online auto insurance quote forms ask questions that help insurance companies determine discount eligibility. Talking to an insurance agent can also help, as they can check if you qualify for a discount.

    Here are some tips for getting cheap car insurance at a discount:

    Review your car insurance premiums regularly

    Even if you don’t want to change companies, it’s a good idea to make sure you get all the car insurance rates available.

    Ask your insurance agent for a discount review. For example, if you recently gave up a long daily commute, you may be in a lower mileage tier which translates to savings.

    Look for good package deals

    If you have insured your car and have another policy from the same company, you can save. One of the best savings you can get is when you combine car and home insurance. You can also get money for auto insurance coverage with lenders or auto and home insurance.

    Change the way you pay for your insurance

    If you can pay for your policy in full, you will receive a discount. If you can’t pay in full, see if you can get a discount by setting up electronic payments for your monthly insurance premiums.

    Also, some insurance companies offer small discounts for going undocumented or even getting online referrals and buying policies online. Every little bit of money can add up to a cheap car insurance policy, so don’t be put off by asking about discounts that might be worth it.

    What type of car insurance should you get?

    The type of auto insurance you should buy depends on your state’s requirements and your specific situation. Insurance is not a single product. Research the best insurance coverage and coverage for you. The amount of car insurance you need will be different if you have a new car and want the best policy than if you have an old car and only need the basics to drive legally.

    Here are the main types of car insurance and coverage information:

    Liability insurance

    Liability for personal injury and property damage is a cornerstone of auto insurance policies and is mandatory in most states. These pay for damages and other injuries if you cause a car accident.

    Most states require a minimum amount of liability insurance, but it is wise to get a higher limit if your budget allows. Limits of at least $100,000 for personal injury, $300,000 for accidents and $100,000 for property damage (100/300/100) provide a solid basis for liability.

    Coverage for uninsured and underinsured motorists

    • Uninsured and underinsured motorist insurance is mandatory in some states and optional in others.
    • Uninsured motorist (UM) coverage pays for your medical expenses if you are hit by an uninsured motorist.
    • Uninsured motorist insurance (UIM) pays if the at-fault driver does not carry enough liability insurance to cover your medical expenses. The combined information limit is your liability coverage limit.

    Personal injury protection (PIP) or medical payments insurance (MedPay)

    Mandatory in some states and optional in others, personal injury coverage is often part of a no-fault insurance plan. In a no-fault state, you will have to make many personal injury claims on your own auto insurance first, regardless of fault.

    Medical payment coverage is similar in that it pays for your injuries from a car accident and is required in a few states. If your state requires PIP or MedPay, you must meet the minimum requirements. If they are an option, you can skip them for cheap car insurance, especially if you have good health insurance that will pay for injuries from a car accident.

    Full collision and casco coverage

    State law does not require a contract with comprehensive insurance, but financial institutions often mandate it if you have a car loan or lease.

    This coverage is usually good, unless you drive a cheap car. They are two different types of insurance that are often sold together.The limit for each type of coverage is the total value of your vehicle at the time of the incident.

    • Collision insurance pays for repairs to your vehicle if your vehicle is hit by another vehicle, regardless of fault.It can also pay if you accidentally hit something, like a tree.
    • Comprehensive insurance pays if your car is stolen or damaged due to issues such as vandalism, fire, falling objects, weather, or collision with animals.

    Cheap auto insurance with good reviews

    Ideally, you will find the cheapest car insurance from a company that offers good customer service.

    Most of the 10 companies in our survey had complaint levels below the industry average. The National Association of Insurance Commissioners’ Complaint Count (below) shows a company’s complaint level relative to its company size, with a complaint count above 1.0 being above average of the sector.

    In the rankings of the best car insurance companies, Geico, Nationwide, Travelers and USAA came out on top, when weighing rates, coverage options, complaints and collision claims.

    Many drivers think they are paying too much for car insurance

    Research shows that 58% of drivers think they are paying too much for car insurance.

    To what extent do you agree or disagree with the following statement: “I paid too much for car insurance”

    Sentiment about overpaying% respondents
    Strongly agree29%
    Somewhat agree29%
    Neither agree or disagree24%
    Somewhat disagree11%
    Strongly disagree8%

    The first reason drivers change car insurance companies is for cheap car insurance. In research, among drivers who have changed insurers since 2020, 58% said they did so to save money. The second most likely reason is having different insurance (19%).

    The survey found that women were more likely to say they switched insurance companies because of price (62%) than men (52%).

    What are the main reasons you changed car insurance companies?

    Type of driverAverage annual rates
    To save money58%
    To get different coverage19%
    Because I bought a new car8%
    Because I moved6%
    Because I didn’t like the customer service5%
    Because of the company’s advertisement2%
    None of the above2%
    I don’t remember1%