State Farm Auto Insurance: Best Overall ; USAA Auto Insurance: Best for Military Members ; GEICO Auto Insurance: Best for Cheap Coverage ; The Hartford Auto Insurance: Best for Seniors
Best customer satisfaction: Amica Mutual ; Best affordability coverage: GEICO ; Best for military: USAA ; Best for teen drivers: State Farm ; Best for discounts: Farmers Insurance
Shop around · Consider the factors that affect insurance premiums · Consider your liability-coverage limits · Increase your deductible · Consider reducing your coverage · Claim your car insurance discounts · Consider third-party ratings · Keep a good driving record · Consider usage-based insurance · Take a defensive driving course · Improve your credit score
Best car insurance in Texas ; Best for affordability: Allstate · Best for customer satisfaction: State Farm · Best for young drivers: Progressive · Best for full coverage: Mercury · Best from a big-name insurer: Farmers · Best for military members and veterans: USAA
Car insurance companies consider motorists with a history of at-fault accidents, speeding tickets or DUI convictions high-risk drivers and charge them some of the highest rates of any demographic. ; An at-fault accident can spike your premiums by 45%, for example. ; However, being a new driver or having bad credit can also land you in the high-risk category. ; While you’ll still likely pay more for coverage, some insurers offer lower rates and better coverage options than others. We’ve chosen the top car insurance companies for drivers in a variety of high-risk categories. (See our methodology for more information.)
Pros : Above-average customer satisfaction ratings · Offers two accident forgiveness options for drivers · Robust mobile app that minimizes the need to call customer service, Cons : Doesn't offer gap insurance, which covers any loan shortfall if your vehicle is stolen or totaled
Best Cheap Car Insurance for Teens ; Best for cheap coverage: Erie Insurance · Best for military: USAA · Best for bundling: Nationwide · Best for low credit scores: GEICO · Best for discounts: State Farm
The cheapest car insurance rates for new drivers start at $92 a month and the most affordable providers are USAA, Travelers and Geico. ; Car insurance for new drivers is around $2,706 per year for minimum coverage and $5,192 per year for full coverage. ; Regardless of the age you start driving, insurers will consider you in the highest risk category typically until you have three years behind the wheel.
Key Takeaways ; The national average annual car insurance rates for young adults are $2,387 for female drivers and $2,526 for male drivers. ; On average, young adult drivers pay lower car insurance rates than teenage drivers because they have more experience behind the wheel. ; Young adults seeking cheap car insurance may be able to save on coverage by comparing quotes, maintaining a clean driving record, and exploring discounts.
Compare the cheapest car insurance companies ; What are the best cheap car insurance companies? ; The cheapest car insurance companies by state