Cheapest Car Insurance Companies in United States of America
Any driver has to choose one of the many companies for Car Insurance. Along with this, he should also have car insurance at the lowest cost. This in itself is a huge challenge. Today we are going to tell about cheap car insurance.
In which driving history, demographic data and other factors will also be included. Before taking cheap car insurance, you have to keep some things in mind.
Like first of all you have to compare the quotations. There are many free online quote tools. Using which you can keep your information and see the quotations of the companies.
After that you should also know about the common types of insurance. Which includes things like comprehensive coverage and state minimum liability coverage and rights protection etc.
3 Cheapest Car Insurance Companies
1. GEICO
GEICO car insurance rates are very competitive. GEICO’s average annual rate for a Good Driver is $1148. And its complaint level is low. So you can consider this too. People who have taken this policy.
Most of them are completely satisfied with its customer service experience. If you keep your driving record clean, it will also help you a lot with lowest rates and good driver discounts. For this, you also have to take care of accidents, speeding tickets and other traffic violations.
Benefits
There are very good auto insurance rates for a good driver. It also has a usage based insurance program for good divers. Which reduces auto Insurance Rates, based on Driving Habits.
Also, the level of complaints regarding GEICO auto insurance in the state insurance departments is very low. There are also good rates for seniors and young drivers. Along with this, Speeding Tickets and Poor Credit with Drivers also get Good Rates.
GEICO : For Teen Drivers
GEICO cheap car insurance for teen drivers is the best option. It provides the best car insurance without any discrimination on the basis of gender. The annual rate for teen female drivers is $3166, while the annual rate for teen male drivers is $3555.
GEICO: For Senior Drivers
The rates are very low for senior drivers, whether male or female, whoever is above 60 years of age. The lowest rates after GEICO are from USAA only. It is followed by GEICO at number two. The annual rate for a senior male driver is $1085, while the annual rate for a senior female driver is $1049.
GEICO: With Poor Credit
If you have poor credit, your premiums will be increased by all insurance companies. But by buying a GEICO car insurance policy, you can save a lot of Money.
You can get a GEICO car insurance policy quite cheap. Drivers having Poor Credit. The rate for them is 28% lower than the National Average. The national average rate with poor credit is $1810.
GEICO: Minimum Coverage
GEICO is the best option for minimum coverage. Its auto insurance state also matches with the minimum guidelines. If you are eligible for USAA membership, you can also apply for USAA minimum coverage auto insurance. USAA’s annual rate is lower than that of GEICO. GEICO’s national average rate for minimum coverage is $1064.
GEICO: For Full Coverage
If you want full insurance coverage, then GEICO car insurance is the cheapest. The national average rate for full coverage of GEICO is $1238. It is lower than the national average, while higher than the USAA.
2. USAA
USAA auto insurance rates are very competitive. USAA rates are cheaper than GEICO. If you belong to a member of the military or a military family. And if you are eligible for USAA insurance, then this is the best option for you.
USAA has the lowest rates for Good Drivers. Even if the driver has a record like DUI or accident, even then its rates are much cheaper as compared to other insurance companies.
In this, you also get accident forgiveness and the option of new car replacement is also available. Along with this, there is also a usage based insurance program.
In which the cost of car insurance for a good driver gets reduced very much. Insurance rates are also very good for senior and young drivers.
USAA: Military Community
USAA insurance is only for active and veteran military members. If you are eligible for USAA insurance, this is the best option for you. This is the best cheap car insurance. The USAA’s national average rate of car insurance for the military community is $1,000.
USAA Cheap Car Insurance Rates
The average annual rate for a USAA Good Driver is $1,141. While the average annual rate for a driver with a speeding ticket is $1,381.
If the accident was accompanied by an injury, USAA’s average annual rate of car insurance for it is $1613. The average annual rate for a driver with a DUI is $2195 in the USA. If the driver has poor credit, the average annual rate is $1910.
3. State Farm
State farm car insurance rates are quite competitive. And it has a low complaint level. Very competitive rates for senior drivers. Very few complaints have been filed with the State Insurance Department against car insurance.
The rates are pretty good for the driver as well as the DUI. If a teen driver adds the parent policy. So the average rates are quite good for that. It also offers usage based insurance program if drivers want discount based on their driving habits.
State Farm Cheap Car Insurance Rates
After speeding tickets, the annual rates for drivers become very high. The base rate for the state farm is $1267, while the after ticket is $1409. If we talk about the annual rate after the accident, then it is quite a descent.
The annual base rate for drivers after an accident is $1267, compared to $1516 after an accident. After DUI, the rate is sure to increase. But under the policy of state farm, you have to pay only a decent amount in auto insurance.
After DUI, State Farm also increases the rates, but only up to 35%. The annual base rate for drivers after DUI is $1267 on the state farm. Whereas the annual rate after DUI is $1711. This is the lowest rate. That is, it is less than USAA.