Cheapest best car insurance

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Among the three cheapest companies, the average cost was $886 per year. Allied Insurance, a Nationwide affiliate, led the pack with the lowest average rate at $806 per year. State Farm had the next-cheapest average quote, about $100 more than Allied’s.

Drivers without accidents on their records should look to lower their rates with discounts. Practically every insurer offers perks for avoiding accidents and claims, meaning safe motorists are usually well-positioned to earn extra savings.

Cheapest for young drivers

For drivers in their early 20s; range of average prices from the seven largest insurers: $411 to $775 per year.

Because of their inexperience and high accident risk, young car insurance customers can typically expect steep rates if they purchase the same amount of coverage as older drivers. However, since those in their early 20s have less at risk financially, in most cases, it’s reasonable for them to reduce their car insurance coverage amounts to help keep costs at bay.

We reflected these leaner coverage needs in our test and found fairly affordable results. All three of the cheapest companies notched rates under a month for this driver group.

Cheapest for drivers with one at-fault crash

Range of average prices from the seven largest insurers: , 042 to , 129 per year.

The cheapest quote we found for drivers with an at-fault crash on record was $1, 042 per year from State Farm. That’s $236 higher than the best price for drivers of the same age with a clean record.

This group had the widest range of prices of any we sampled. There was a $1, 087 difference between the lowest and highest rates, which goes to show how much drivers with blemished records have to gain by shopping around and testing the waters with as many companies as they can.

Cheapest for drivers with poor credit

For drivers placed in the “Poor Credit” tier using the Quadrant Information Services rate tool; range of average prices from the seven largest insurers: $1, 148 to $2, 097 per year.