Car insurance helps provide financial protection for you, and possibly others, if you are involved in an accident. Auto insurance for your vehicle is usually required by all states. Review our state car insurance guides to see the different laws and auto insurance minimum required coverages. You can customize your auto policy to fit your needs. There are different coverages and limits you can choose to create your auto insurance policy. Check out our car insurance coverage page to learn more about each type of coverage.
Deductible: A car insurance deductible is the amount of money you will be required to pay out of pocket to cover a claim. Let’s say a car rear-ends you in traffic, scratching your paint, damaging your bumper and breaking one of your tail lights. The total cost of repairs is $2,500 and your deductible is $500. You will pay the $500 and your insurance will pay out the remaining $2,000 to cover the cost of the repairs. Electing for a higher deductible is one-way drivers can secure cheaper car insurance.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Naturally, insurance companies use your driving past as an indicator of how you will drive in the future. It can be difficult to find affordable car insurance if you have a checkered driving history. While it’s very unlikely you will find an insurance company that won’t increase your premium after an at-fault accident or other violation, the degree of the rate increase will vary by company. Let’s compare rate increases for some common violations across major insurance companies.
As it currently stands with Texas, in the event of an accident, there’s a one in seven chance that the other driver won’t be insured. Unless you’ve purchased uninsured/underinsured motorist (UM/UIM) coverage, that’s money out of your pocket. Texas’s minimum requirements also don’t account for comprehensive coverage, which you’ll definitely want to take into consideration, since the state ranks first for monetary losses from “catastrophes” like hail storms and hurricanes.
But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.
While many companies require you to call in to file a claim, Allstate offers a myriad of options, so you can choose what’s most convenient for you. Whether you’re a registered Allstate customer or just using a guest account, you can file a claim through an online report, directly contact a local agent, or call in to the 24/7 customer service hotline.
USAA only sells policies to current and former members of the military and their families and is consistently rated at the top of its class by A.M. Best with an A++ financial strength rating. It doesn’t have an official customer service rating with J.D. Power, but USAA is noted by J.D. as providing “claims satisfaction and shopping satisfaction”. A perk of USAA is if your uniform is damaged or stolen in an event your policy covers and you are on active duty or deployed, USAA will reimburse you without you having to pay a deductible.
While many companies require you to call in to file a claim, Allstate offers a myriad of options, so you can choose what’s most convenient for you. Whether you’re a registered Allstate customer or just using a guest account, you can file a claim through an online report, directly contact a local agent, or call in to the 24/7 customer service hotline.

If you’re a first-time homebuyer who’s never had to deal with an insurance company before, State Farm may be your company. With a helpful website featuring industry-best educational resources, a quick and easy quoting process, and a stellar mobile app where you can view your policy, pay your bill, and file claims, State Farm offers one of the easier insurance experiences in the industry.


Like a DUI, a reckless driving citation can raise your car insurance rates. If you’ve received a reckless driving citation, your best bets for cheap car insurance are USAA and State Farm, despite the latter being one of the more expensive insurance companies if you don’t have a violation. This shows the importance of comparing car insurance rates carefully — your driving profile will be handled differently by every carrier.
The best car insurance companies have a few things in common: They have straightforward shopping experiences, take good care of policyholders after a crash and treat their customers with respect and courtesy. That means only insurers with high customer satisfaction scores and relatively few complaints to insurance commissioners make it to the top of our list of the best auto insurance companies.
Most of our top picks offer a slew of discounts, so be sure to check out each company’s available options. Typically, you’ll save money if you’re able to bundle your auto and RV insurance together. Some providers also offer discounts for having a membership to an RV club or completing RV training/safety courses. Additionally, many insurers consider you less of a risk if your RV is equipped with updated safety features like air bags, anti-lock brakes, and anti-theft devices. And remember: The fewer traffic violations you have, the lower your premium will be.
The best car insurance companies have a few things in common: They have straightforward shopping experiences, take good care of policyholders after a crash and treat their customers with respect and courtesy. That means only insurers with high customer satisfaction scores and relatively few complaints to insurance commissioners make it to the top of our list of the best auto insurance companies.
Natural disasters inflicted huge losses on insurers in 2018. Preliminary reports from the California Department of Insurance estimate that the November 2018 wildfires caused more than $123 million in auto and nonresidential insurance claims. Additionally, hurricanes Michael and Florence, which pummeled the Southeast in the fall of 2018, caused between $7.7 billion and $14.6 billion in insurance losses.
You pay a monthly or yearly fee in exchange for protection against the costs associated with vehicle damage or bodily injury resulting from a collision and certain other circumstances. If your car sustains damage in an accident, you will file a claim with your car insurance company, and they will pay you the amount specified in your policy minus your deductible. If you’re determined to be at-fault in an accident, your premium may go up. 
The reason car insurance is so cheap in Wisconsin is a bit of a mystery. While not a huge magnet for severe weather it does receive its fair share of snow in the winter and tornadoes in the summer. Flooding is not uncommon and rising rivers point to spring flooding this year. Flood damage is covered by comprehensive coverage, which is not required in most states, if you want your vehicle to be fully covered, you will need to carry this optional coverage.

Deductible: A car insurance deductible is the amount of money you will be required to pay out of pocket to cover a claim. Let’s say a car rear-ends you in traffic, scratching your paint, damaging your bumper and breaking one of your tail lights. The total cost of repairs is $2,500 and your deductible is $500. You will pay the $500 and your insurance will pay out the remaining $2,000 to cover the cost of the repairs. Electing for a higher deductible is one-way drivers can secure cheaper car insurance.

Your location can have a huge impact on your insurance premium. Like many industries in the US, car insurance is regulated at the state level and is dictated by each state’s regulations. If you live in an area prone to floods, hurricanes, or wildfires, your rate will be elevated, as insurance companies compensate for these risks. Dive into the data below to find check out your expected costs with our list of car insurance rates by city.
Idaho is pretty sparsely populated and mainly rural which leads to lower car insurance rates. According to World Atlas, Idaho has the seventh least population density in the country. There are roughly 20 people for every square mile. Wide-open spaces with few people mean fewer cars out on the road and fewer accidents, everything an insurance company loves.
Liability insurance covers you if you’re in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and their passengers. Most states require at least a minimum amount of liability insurance, but it’s a good idea to purchase extra protection if you can afford it.
Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.
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