In This Article:
Best Car Insurance Company if...
- You're a Student
- You Got a Ticket
- You Got in an Accident
- You Need Full Coverage
- You're a Remote Worker
- Best Overall
Finding the car insurance policy that works for you can be is a daunting task. There are endless companies to choose from, and rates fluctuate constantly for a wide range of reasons, so it’s hard to know where to start. Luckily, you’re not alone. We crunched some numbers from our extensive experience in comparing car insurance and asked some experts at Compare.com for their advice, and here’s what we came up with: 10 of the best car insurance providers you can find to help you save money.
Best for Students
Clearcover is a great option for students because it’s affordable and because it’s easy and fast to use, especially for anyone who is familiar with technology. Policyholders can make payments and file claims instantly through their award-winning app, and on average their claims are paid in less than 3 days!
Your GPA might be more important than you think it is! If you’re a student who makes good grades (a GPA of 3.0 or higher), you could qualify for a 10% discount with Esurance. On top of that, you can make payments, update your policy, and more through their app, making it super convenient for students to manage their car insurance.
Best Rates if You Got a Ticket
Dairyland specializes in insuring drivers with a spotty record. Not only that, they provide reliable and affordable policies. The average monthly rate for a driver with a previous speeding ticket is just $98!
Runner-up: Direct Auto
Built on the idea that all drivers, regardless of previous record, deserve affordable insurance, Direct Auto can provide affordable rates even if you’ve gotten a speeding ticket or other moving violation. They also offer several services that make managing your policy convenient -- even letting you make payments via text.
Best Rates if You Got in an Accident
Kemper is one of the most affordable options for drivers who have had an at-fault accident, with an average monthly rate of just over $100. They offer a wide variety of flexible plans so that you can get exactly the coverage you need.
Specializing in insuring high-risk drivers, GAINSCO could be the right option for you if you’ve had a previous accident. Their average monthly rate for drivers like this is just $120!
Best for Full Coverage Insurance
Safeco Insurance, a subsidiary of Liberty Mutual, offers some of the cheapest rates for full coverage, at just $139/month on average for 25/50/25 coverage limits. They also offer features like accident forgiveness and roadside assistance and are a great option for anyone who appreciates the personal touch and higher level of service that comes with working with an agent.
If you’re looking for even more peace of mind, Nationwide offers one of the most affordable prices for a higher coverage level policy, at just $141/month on average for 50/100/50 limits. This could be the right option for you if you’re worried about your assets being threatened and want to make sure that your policy has got you covered.
Best for Remote Workers
As the world continues to recover from a global pandemic, more and more companies and people are choosing to work remotely, and remote work means less driving. If you drive 50 miles a day or less on average, Metromile’s pay-per-mile system could help you save a lot on car insurance.
Best Overall: Liberty Mutual
If you’re looking for the perfect balance of reliable service and affordable policies, Liberty Mutual might be the right option for you. With over 100 years of industry expertise, you can feel confident that you’ll be taken care of with the best service possible. They also have a number of discount options that may get you an even lower rate, including an alternative energy discount and an accident free discount, among several others.
Still not sure which car insurance company will best meet your needs? Start comparing rates today with Compare.com to find your perfect policy at the cheapest rate possible.