Our research shows that Auto-Owners, USAA, Geico, Amica and Erie may be among the cheapest car insurance companies on average, but there is no company that, ultimately, is the cheapest for everyone. Car insurance rates are highly personalized. In addition, each company has its own rating method and evaluates rating factors differently. A company may be cheaper for someone with a clean driving record, but prohibitively expensive for someone with a conviction for drunk driving, for example.
Searching for prices and comparing car insurance quotes can be a good way to find a company that offers competitive rates for your unique combination of qualifying factors. If you take out more than one insurance policy from the same provider, it can save you a lot of money, since the insurance provider now charges you two or more premiums instead of just one. Insurance companies will want to know if you're driving a safe, boring car or an improved car that tends to have a lot of accidents or to be stolen frequently.