Auto Insurance

All Auto Insurance,
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You Can’t Beat It, Unless You Can Find It.

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How can I get cheap auto insurance?

When you hear the word “cheap,” you might think of poor quality, but cheap also means affordable, as in affordable car insurance. And there are plenty of avenues you can take to get quality auto coverage at an affordable price.

Getting low-cost auto insurance can be as simple as driving responsibly or tinkering with your policy to find a balance between costs and coverages. We’ll steer you in the right direction to find high quality, cheap car insurance that fits your needs and your budget.

How much does insurance go up after an accident?

Not only can car accidents cause harm to you and your vehicle, but they can do significant damage to your car insurance premium. Drivers involved in at-fault bodily injury or pricey property damage incidents currently average an increase of 31 percent in their car insurance rates.

There are ways to reduce the impact of an accident on your car insurance. Some car insurance providers offer accident forgiveness programs that help minimize increases in your insurance premium following an accident, so it may still be possible to find cheap car insurance after an accident.

Reasons Why You Need Car Insurance

Having car insurance is required by law in most states. If you are at fault in a car accident, the auto liability coverage required on your car insurance policy helps pay for covered losses, such as the other party’s medical bills and damage to their vehicle or other property that results from the accident. It also helps pay your legal fees, if you’re taken to court over the accident.

Car Insurance Premiums

Your car insurance premium is the amount you pay your insurance company on a regular basis, often every month or every six months, in exchange for insurance coverage. Once you’ve paid your premium, your insurer will pay for coverages detailed in the insurance policy, like liability and collision coverage.

Every insurance company determines its rates differently, but your premium is typically based on details about you, the type of car you own and the coverages you select.

Cheap Car Insurance for Young Drivers

The age of 25 is a big turning point for car insurance savings. But no matter how much you save, you’re probably still paying more than you’d like. In order to find the cheapest car insurance for 25-year-olds, we created a user profile and generated rates from eight popular auto insurance companies.

Comparing 6-month car insurance premiums for 25-year-olds

Insurance Provider 6-month Premium
Allstate $1,072
Farmers $877
GEICO $711
Liberty Mutual $873
Nationwide $753
Progressive $865
State Farm $784
USAA $562

USAA is the cheapest car insurance company for 25-year-old drivers, with GEICO a bit more expensive. Although Liberty Mutual and State Farm are the most expensive options for older drivers, they could end up being affordable options for drivers with violations on their records (read on for more info).

If you’re looking for more information on how to get car insurance as a young driver, see our additional articles:

  • Car insurance rates for 25-year-olds
  • Car insurance rates for young adults
  • Navigating car insurance with your roommates
  • Marriage and car insurance
  • Dating and car insurance

Car insurance for seniors

Between the ages of 30 and 60, car insurance rates don’t fluctuate much based only on age. As you get into your late 50s and 60s, your age becomes a more important determinant of your rate. For a profile of a married couple without children drivers, Geico and Progressive offer the cheapest rates, all other metrics constant.

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6-month car insurance premiums for seniors

Insurance Provider 6-month Premium
Allstate $878
Farmers $651
GEICO $603
Liberty Mutual $661
Nationwide $576
Progressive $708
State Farm $589
USAA $432
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