It is incredibly easy to get in touch with State Farm. You can call one of the company’s 18,000 agents, go online, or even send a picture of your damaged car with your smartphone using the Pocket Agent mobile app. Compare that to Amica, which doesn’t allow you to connect with an agent via an app, or file a claim through an agent. State Farm also gets high marks for a pain-free shopping experience that lets prospective customers call their local agent or chat with a representative online if they have any questions.
If you live in the South, Midwest, or Mid-Atlantic regions, Erie Insurance is worth your consideration. Erie has consistently received high marks from J.D. Power and Consumer Reports, but didn’t make it into my top four recommendations due to limited availability — it only serves residents in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and certain parts of DC.
Ehhhh ... I mean, you won't face a legal penalty. (They vary by state, but usually involve hefty fines. Plus, your license could get suspended.) In terms of adequate coverage, it depends on where you live. Some states have low minimums. In fact, many only require liability insurance, which covers property damage or bodily injury you cause other people. You would need other types of car insurance if you wanted coverage for damage to your car.

Whether you need a free car insurance quote or are just shopping around for a new policy, by filling out our easy-to-use form, we’ll find the best and cheapest full coverage car insurance options (liability coverage, accident forgiveness, uninsured motorist insurance, etc.) tailored to your insurance policy needs. At Cheap Car Insurance, we are the simplest and safest way to get in touch with cheap insurance companies and save money on your car insurance!


If you own a car, car insurance is a required expense in 48 of the 50 states. A lack of diligence when shopping for your car insurance could lead to a hefty monthly bill, as well as headaches if you actually need to file a claim. We researched and explored quotes from over 128 companies in 2,700 cities to determine which insurers had the lowest costs, nationally and in each state. Our team also evaluated which companies had the best track record for customer service and the claims process.

It’s easy!  Simply tell us what you believe the value to be, send us a few photos of your car, and our experts who have decades of experience will consult with you to reach the agreed value.  Once determined, that value will never be reduced unless you want it to be.  Given the rapid increases in collector car values we are experiencing, it is a good idea to periodically review and adjust the value to remain fully protected.
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Virginia, the average teen driver pays $3,747 — approximately $1,200 less than the national teen driver average, but more than three times as much as an older driver in Virginia.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
Grundy wants you to enjoy your car, not keep track of mileage like some programs with limitations.  Therefore, we give you unlimited miles for pleasure driving and in collector car-oriented activities.  It is even OK if occasionally you drive your collector car to work to show it off to friends.  However, your collector car must not be used as a daily driver.  We require you and all licensed drivers in your household to have a modern car for everyday use.
Established in 1931, Allstate is the second largest publicly traded property and casualty insurance company in America. Similar to State Farm, Allstate has a roster of local agents ready to serve your needs. The company currently employs over 79,000 people. Esurance, a subsidiary of Allstate, operates in the same space. According to Allstate, the Esurance brand is targeted towards self-directed and brand-sensitive customers while Allstate is geared for customers who enjoy local and personal service.
Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, TX; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.
In most states, a DUI is the most costly violation you can receive. Moreover, in states like California, it will stay on your insurance record for 10 years! Based on our analysis of the most popular car insurance companies, this would set you back an average of $12,491 in insurance rate increases during that 10-year period. To limit your costs, do your due diligence and shop around: State Farm and Liberty Mutual are the cheapest insurance options after a DUI — so consider starting there.
This fee is when submission of an SR-22 is requested by the policyholder. According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked for an accident, conviction, or judgment are required to file and maintain a Form SR-22 with the Department of Public Safety. If you feel that you may be required to file an SR-22, contact the Department of Public Safety for further clarification.
Unfortunately, Liberty Mutual gave us our most expensive quote at $194 per month. It has a modest deductible range of $50 to $1,000, but there are no higher deductible options for those hoping to lower their premiums. One concession to this is the Deductible Fund endorsement, which lowers your collision deductible by $100 every year you go without an accident (up to $500). Liberty Mutual does also offer several discounts to bring premium costs down, including multi-policy, multi-car, safe driver, alternative energy, good student and new address discounts.
If you’ve had tickets, accidents, a DUI, or require an SR-22, Freeway Insurance can help. We offer affordable car insurance for every type of driver; whether young or old, good driving record or bad driving record – we can even help drivers who have been turned down by other insurance companies or have had a lapse in insurance coverage. The advice of our insurance specialists will help you find the best high-risk auto insurance rates based on your specific situation.

You may see this abbreviated as 25/50/25 coverage. Connecticut is one of the few states that also requires drivers to carry uninsured and underinsured motorist coverage in the same quantities listed above. These coverages kick in when you are hit by another driver who doesn’t have insurance or who doesn’t have enough insurance to cover the full cost of the damages.


If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 31% after a DUI, 26% after an at-fault accident, and 15% after a speeding ticket in Tennessee. The post-citation penalties assessed by car insurance companies in Tennessee are slightly more forgiving than nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

You may see this abbreviated as 25/50/25 coverage. Connecticut is one of the few states that also requires drivers to carry uninsured and underinsured motorist coverage in the same quantities listed above. These coverages kick in when you are hit by another driver who doesn’t have insurance or who doesn’t have enough insurance to cover the full cost of the damages.
If you opt for the minimum allowed coverage in Tennessee, you can expect to pay a mean of $500 annually. This is cheaper than the national average by 24%. If you choose better auto insurance coverage, you can choose a policy with comprehensive and collision coverage, protecting against damages caused by car-vs.-car collisions, theft, or weather incidents. Better coverage has a price: in Tennessee, a comprehensive policy with a $1,000 deductible costs $1,153, 131% more than basic coverage. For comprehensive insurance coverage with a $500 deductible, expect to pay 163% more than for liability-only coverage.
Finally, remember how insurance companies make money? There’s a slight chance that, through mismanagement or a sudden influx of claims, your car insurance company could be unable to meet its financial obligations. That means that they wouldn't be able to pay out your claim, or the insurance company could go out of business – leaving you uninsured and vulnerable. Make sure any car insurance company you buy from is in good fiscal health, so you don’t get left out in the cold.
If you drive under a certain amount of miles every year, you can tell your insurance company and possibly qualify for a low mileage discount. This is a common discount that many drivers actually qualify for but are not aware of. If you only use your car for occasional short trips, you can sign up for a usage-based insurance program that determines your rates based on how much you drive.
Type of car: If you have an expensive or powerful car then you are seen as a higher risk for a number of reasons. If it’s expensive, it has a higher risk of being stolen. If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If you want to see how your car impacts your insurance, you can check which insurance group it’s in for an indication.  
Is there a way to get one auto insurance quote comparison to find the best auto insurance policy for you? Do you go with the cheap auto insurance policy or more complete coverage? Let netQuote help you choose your insurance by comparing insurance quotes. There are more options than just accepting the state minimum guidelines. In fact, car insurance is a risk mitigation policy. Say as a salesperson you drive a thousand miles a week; the chances of you being in a fender bender are greater annually. Selecting the right car insurance will keep you out of harm’s way when it comes to legality.
Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
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