Last Updated: September 2020
To begin comparing quotes with the top-rated car insurance providers, use the form on the right of your screen. Rates from all the top companies will be displayed on the following screen.
Finding the best car insurance for good drivers is really no different than finding the best car insurance provider in general.
All car insurance companies are different and have unique strengths and weaknesses.
We have reviewed nearly all of them, and below, you can see what we plan to layout for you today to help you effectively find the lowest cost and most robust car insurance as a driver with a clean driving history.
- Top Companies to Consider for Auto Coverage
- Our Criteria for Recommending Car Insurance Providers
- Financial Strength and Reputation
- Discounts Are Imperative for Lower Premiums
- Other Methods to Save Money on Car Insurance
- Telematics and Lowering Your Premiums
- Choosing the Correct Coverage Options
- Liability Only May Be an Option to Consider
- Continue to Shop and Compare for the Best Rates
- Final Thoughts, Finding Cheap Car Insurance, is a Breeze
Throughout this post, you will be able to learn who may be the best choice for your coverage as well as what factors to consider when finding the cheapest car insurance near you effectively.
In most circumstances, the most well-known and reputable companies will surely be in the running as one of the top providers you can choose.
Here’s a quick list of 9 of those top-rated companies to consider during your shopping process.
Simply click on the name of the car insurance company to get detailed information and to learn why they are a top company to consider for coverage.
|Car Insurance Company||A.M. Best Rating||Best For?||Root Rating|
|Erie||A+||Competitive Premiums and Discounts||9.9/10|
|GEICO||A++||Robust Platform and Competitive Premiums||9.8/10|
|Liberty Mutual||A||Great Discounts and Custom Coverage||9.7/10|
|Progressive||A+||Best Online Platform||9.6/10|
|Farmers||A++||Robust Coverage Options and Discounts||9.6/10|
|State Farm||A++||Largest Insurance Provider and Custom Coverage||9.5/10|
|Root Car Insurance||Not Yet Rated||Low Mileage and Safe Drivers||9.5/10|
|Nationwide||A++||Bundling Insurance, Discounts and Robust Coverage||9.2/10|
The car insurance providers above will likely always be a great option for auto coverage.
However, car insurance is not always black and white regardless of driving history.
Other factors can also impact your overall rates, such as the coverage selected and even the vehicle insured.
To get you started, we have compiled a quick overview of each company you see above to give you an idea of their primary strengths.
This should give you a great start and the details needed to shop coverage more effectively.
Top Companies to Consider for Auto Coverage
Erie Insurance Company- Erie is a fantastic option for coverage depending on your state of residence. They are backed by an A+ customer satisfaction rating and currently supported by superior financial strength ratings.
Oh, and did we forget to mention that they are considered one of the best in the business for safe drivers?
Geico Insurance Company- Geico Insurance Company is fantastic for several reasons. They continue to be one of the most competitively priced companies for safe drivers and have one of the most robust online platforms for consumers.
Geico may not be the best for individuals that are considered high-risk drivers, but for the safe driver out there, they are a MUST consider option with plenty of discounts that you may be eligible for.
Liberty Mutual- Liberty Mutual is one of the largest and most financially sound car insurance companies in the country.
They are known for paying claims lightning quick and have one of the most robust coverages and discounts lineups available.
Allstate Insurance Company- Allstate honestly does want you to be “In Good Hands.” Allstate is another one of the most financially stable companies available and typically lands in the top 5 for competitive pricing for consumers.
Especially safe drivers.
Progressive- Progressive isn’t only great due to having “Flo” and their humorous advertising techniques.
Progressive, much like Geico, has one of the strongest online platforms for consumers and even allows you to compare rates with other providers.
Progressive is one of the cheapest options for coverage and offers a fantastic lineup of discounts and savings that you may be eligible for.
Progressive is also backed by solid financial strength ratings and high customer satisfaction ratings.
Farmers Insurance Company- Farmers has always been one of the highest regarded auto insurance providers for multiple reasons.
Farmers also can brag about best in class customer service and financial strength but also offers one of the most extensive lists of potential discounts to consumers.
Overall, Farmers is a great company to consider for coverage as a safe driver.
State Farm Insurance Company- State Farm is considered the largest home and auto insurance provider in the country.
State Farm is also a company that does a fantastic job offering telematic discounts to safe drivers using their “Drive Safe and Save Program.”
With significant potential for discounts and being considered a financial powerhouse in the industry, we recommend considering them as your provider.
Root Insurance- Root insurance is a bit different than some of the other providers on this list.
They are newer in the industry and are only offered using an online platform and mobile app for purchasing coverage.
The two kinds of drivers Root is most interested in insuring is either A.) Safe Drivers or B.) Low Mileage Drivers.
If you fall into either of these categories, you have the potential to save up to 40% on your car insurance by switching to Root.
While newer and with less information available on the company, they are still a great option to consider.
Nationwide- Nationwide consistency falls into the top 5 cheapest options you can consider for coverage for saving drivers or for drivers with overall low-risk profiles.
They offer a wide range of discounts and the ability to bundle several different lines of coverage, including home and even life insurance.
Our Criteria for Recommending Car Insurance Providers
When debating who should ultimately land on this list of recommendations, we take several factors into consideration.
This ranges from the discounts offered, how customizable the auto insurance can be, and even the financial strength and stability of the company.
Once we have all the data, it becomes relatively easy to realize who is going to offer the lowest rates in most states.
Here’s a more in-depth look into some of our criteria used to recommend an auto insurance provider.
Financial Strength and Reputation
Financial strength always has been and always be one of the most significant considerations you need to keep in mind when shopping for car insurance.
It paints a clear picture of the company’s stability and ability to hold true to their promises.
No point in having coverage at all if you can’t rely on the company to pay the damage claims when tragedy does strike.
From our table above, you will notice that all the companies we recommend fall into the highest ratings for financial strength, which would be considered an A rating or better.
Discounts Are Imperative for Lower Premiums
Discounts are what most consumers want to know most about with any car insurance providers.
With hundreds of providers available, discounts can be one of the easiest ways to lower your premiums.
Some car insurance providers do fantastic at offering a wide range of discounts, and some fall short in this category.
However, the discounts available for “good drivers” are typically much more robust, and you have many to choose from.
All the companies we have placed in our recommendations today, do an excellent job at offering consumers dozens of ways to lower their monthly premiums on coverage.
Discounts You Must Inquire About as A Good Driver
If you are certain you qualify or would fall into the category of a “good driver” then you have specific discounts and money saving methods, you absolutely MUST inquire about when shopping for coverage.
Below is a quick list of the top discounts nearly all the best car insurance providers provide for safe drivers.
Claims Free Discount- This is self-explanatory. If you don’t file claims, your premiums will naturally decrease as time passes.
If the auto insurance provider doesn’t need to cut you a check for vehicle damages consistently, they are happy to offer you coverage at a lower rate.
If you do get an accident, be sure to examine the damage.
Is it an amount of damage you can take care of out of pocket to avoid paying a deductible and filing a claim?
If so, consider it.
The fewer claims you can make overall, the better.
As a safe driver, this should be an easy discount to inquire about and achieve to ultimately lower your out of pocket cost.
Bundle Coverage Discounts- It’s easier to list companies that don’t offer this discount as opposed to listing the companies that do offer it.
Nearly all auto insurance providers will cut you a break on your car insurance for insuring either multiple vehicles on your policy or bundling your coverage with your home insurance.
Ticket Free Discounts- This discount can be applied with most auto insurance providers for remaining ticket free for 36 months.
36 months is also the typical interval for when a car insurance company will re-run your MVR (Motor Vehicle Report)
If you can avoid getting tickets such as speeding, disregarding stop signs, or reckless driving, you can begin to save money on your monthly premiums.
Vehicle Safety Equipment Discounts- Vehicle safety discounts are perhaps one of the easiest ways to save money on your car insurance.
With most companies, if your car is equipped with ABS brakes, automatic airbags, and anti-theft devices, you can earn up to a 5% savings.
Low Mileage Discounts- Newer and more innovative companies such as Root Insurance love to provide discounts to safe drivers and drivers who don’t rack up the annual mileage.
If you work from home or have a short commute each day, be sure to inquire about the mileage and criteria needed to qualify for this discount.
Other Methods to Save Money on Car Insurance
In addition to the discounts offered by the company, most of the top companies in the industry are now offering other great ways to save additional money on car insurance.
Especially for safe drivers.
Telematics and Lowering Your Premiums
Telematics is one of the relatively new innovations in the auto insurance industry.
It may not be brand new, but consumers may not still be aware of the savings potential.
For safe drivers, this is even more imperative to consider.
Telematics simply track your driving behaviors, typically using a “beacon.”
The device itself can help monitor behavior such as the following:
- Average Speeds
This helps give insurance companies an idea if you truly are a safe driver or not.
If you know you are, you need to be considering adding this to your policy.
An example is the “Drive Safe and Save” program with State Farm.
All that’s needed is a tiny Bluetooth beacon, and the mobile app downloaded on your phone.
Once this is completed, State Farm can begin tracking your behavior and provide you substantial savings to reward you for your safe driving behaviors.
It doesn’t get much better than that.
Choosing the Correct Coverage Options
Safe drivers have another significant advantage compared to other drivers.
You don’t necessarily need the most robust coverage available, and you can feel more comfortable running with higher deductibles.
This is specifically because you know that you drive safely, and the chances of an accident are much lower than say a driver who knows they have a heavy foot.
If you fall into this category, be sure to consider getting lower coverage amounts for your primary coverages such as:
This could potentially save you more money than any of the discounts combined.
You can also consider raising your out of pocket deductible dramatically.
Car insurance companies will typically offer deductibles such as the following:
250.00 and 500.00 are the most prevalent of the group.
If you know you have never needed to file a claim and drive safely or potentially don’t drive much in general, RAISE that deductible.
Save the money on your monthly premiums instead.
Liability Only May Be an Option to Consider
Safe drivers have one more significant luxury compared to other drivers.
You can even consider running with liability-only coverage.
This is the legal minimum for coverage in most US states.
Do keep in mind that you likely need to own your vehicle in order to pursue this coverage.
Banks don’t feel comfortable holding your loan and allowing liability coverage only.
It also will not cover the cost of damage that is caused to your vehicle but will legally protect you as well as cover all damages the other party involved absorbs if an accident takes place.
If you are a safe driver, this is always going to be your cheapest option for coverage.
If you are on a tight budget and have exhausted all other options and savings on your monthly premiums, this is a MUST consider obtaining the cheapest car insurance possible.
Continue to Shop and Compare for the Best Rates
This is always going to be the most significant and best advice we can give anyone shopping for car insurance coverage.
Don’t stop shopping around.
9 companies are listed above.
If it was me, I’d be running rates with each online or through our online quote tool to your right.
I wouldn’t stop there.
I’d speak to each of the companies and inquire about all the savings tips we have laid out for you today.
Continue to compare and run rates with companies until you are 100% confident you are getting the coverage you desire for the price that you want to pay.
When you find a better rate, you can cancel your policy and you’ll be refunded any unused payments you made (since you pay in advance for car insurance) – so don’t worry about the timing of cancelling.
Final Thoughts, Finding Cheap Car Insurance, is a Breeze
At the end of the day, your options are nearly limitless for purchasing car insurance.
Hundreds of options not even detailed in this article are available.
As a safe driver, you have clear advantages and a nice long list of items to discuss with an independent agent.
Ultimately, following what’s been laid out for you here today is going to allow you to get rewarded for your safe driving behaviors and begin keeping that extra money that will be saved each month on your premiums.
Best of luck in your search.