Pricing and discounts made up a portion of each insurer’s score, but we know that cost is the top factor for many auto insurance shoppers. Since pricing is based on personal factors including your age, location, vehicle and your credit history and gender (in most cases), it’s important to shop around for car insurance quotes.
If price is the most important factor in your search, comparing car insurance quotes can help you find the cheapest rate. But your shopping experience will also shed light on a company’s customer service standards.
To find the best company for you while shopping for car insurance:
- Visit your state insurance commissioner’s website to find complaints and other information about companies in your area.
- Ask your agent or a customer service representative any questions you have to make sure you’re getting all the coverage you need — and nothing you don’t want.
- Consider smaller insurance companies, too. Small companies offer rates well below large competitors in many locations.
- If you’ve had tickets, DUIs or other violations, be sure to shop three and five years after the incident, when surcharges can drop significantly.
Whether you have an accident on your driving record or you prioritize customer satisfaction above all else, these insurance companies might be the right fit for you.
- Geico:Best cheap car insurance overall. Cheapest car insurance for good drivers; drivers with poor credit, an at-fault accident or a speeding ticket; and married couples with a teen driver. Best for tech and apps.
- Progressive:Cheapest car insurance after a DUI.
- Farmers:Fewest customer complaints.
- State Farm: Best for customer satisfaction.
- Allstate:Best for coverage options.
- Liberty Mutual:Best for discounts.
*USAA is often the cheapest, but it isn’t available to everyone.