Reddit Users Pointed Out All the Car Critic Complaints That Don't Make Sense
When buying a car, people choose a particular vehicle for vastly different reasons. Families need reliable cars with room for car seats and groceries. People with a long daily commute might look for great gas mileage. Car lovers who drive for pleasure might be interested in fast sports cars with great handling.
With that in mind, it’s hard to review a car in a way that’s relatable to all potential drivers. Car critics do their best, and their reviews can be helpful, but Reddit users have highlighted some examples of car critic complaints that just don’t make sense to them.
The perspective of these Redditors is a good reminder that the most important factor in car buying is your own needs, not the latest luxury add-on or most powerful engine.
Most confusing car critic complaints
On this recent thread, Redditors discuss the car critic complaints that confuse them the most. One recurring example is that critics will often fault an affordable car for lacking higher-end features.
As the Reddit users rightfully point out, affordable cars cost less for a reason, and most car buyers don’t expect them to have more luxury features like ventilated seats or fancier interior materials. Sometimes, car critics will fault a car for minor details like interior materials, or even color options, when many car buyers are focused on bigger issues.
Another point of contention is that car critics often prioritize power and handling over features that everyday drivers might care more about, like storage capacity, gas mileage, and reliability.
Many comments on the thread point out that someone shopping for hybrid cars likely cares much more about fuel economy than engine power, and families looking for an SUV are concerned with how their car seats will fit, not the intricacies of the drivetrain.
Why car critics sometimes miss the mark
MORE: Poor Reviews Haven’t Hurt Sales of the 2021 Ford Explorer
On the Reddit thread, users put forth a few theories as to why car critics make complaints that aren’t necessarily relevant or helpful. According to some Redditors, many car critics are amateurs and may not actually know that much about cars.
As user BigCountry76 points out, reviewers may critique small details of the interior because they “need something to criticize about a car”. Some commenters think that car reviewers make these kinds of complaints because they need to fill time in their reviews.
Another point made in the thread is that car critics can’t appeal to everyone in their reviews. Some people care a lot about mechanical details, while that same information would bore many car buyers.
Should you ignore car critics?
MORE: What Are Some Good Questions to Ask a Seller Before Buying a Car?
Despite the valid points made in the Reddit thread, you can still learn about a car you’re interested in by reading reviews and watching test drive videos. But it makes sense to take a few extra steps to get a more comprehensive view of the car.
Try to find reviews by people in your driver category, not just “car guys.” Look for parents reviewing family cars, outdoor enthusiasts testing SUVs, or mechanics discussing a vehicle’s reliability.
You can also use sites like Edmunds or J.D. Power to find more neutral reviews and car specs. Then, test drive the car yourself before buying. No review can give you the same perspective as getting behind the wheel yourself.
After finding the car that’s right for you (whether or not you pay attention to car critics), make sure you also have the right car insurance. Jerry makes it easy to find the right coverage for your needs at an affordable price.
How Much Car Insurance Do I Need Reddit
1. Car Insurance – What is the right amount? : Frugal – Reddit
How much car insurance do you carry? If yes, you don’t need that portion. The ‘minimum’ required isn’t enough to cover a lot of medical expenses and lost (1)…
The basic is $28.78/month or $139 up front. Liability/BI/PD is $25k/$50k/$10k. Uninsured motorist/BI is $25k/$50k. No medical payments. $2000 comprehensive/ (2)…
My car is a beat up ’01 Nissan Sentra that I estimate I’ll put 5-6k miles on it annually. Lastly, I have health insurance through my job. Current Insurance: Bodily (3)…
2. How much car insurance do I really need to have … – Reddit
I am a total ignoramus about car insurance specifics. Below are the premium payment line details: Liability to others (Bodily injury liability 100K each person/300K (4)…
I have a $300k/$300k liability limit on my car insurance plus a $1M umbrella policy that it wasn’t really that much more expensive, than say, a $30k/$60k policy. policy and it required a certain minimum on my auto/home owners insurance.(5)…
At some point, when the facts & damages are bad enough, your insurer will normally put a settlement offer for your policy limits on the table. That number needs to (6)…
3. How much auto insurance coverage do you carry? – Reddit
I told her that it shouldn’t matter if we had different insurance, the car is in my name and that it needed to be changed. She told me that that was just their policy, (7)…
So why would you need this coverage? If the other party is at fault either their insurance would cover it or they would pay out of pocket. But what if it’s a hit and run?(8)…
4. How much liability cover should my car insurance … – Reddit
Another thing to think about is how much exposure you want in case of an accident. If there is an accident and somehow it is your fault, and that person is in the (9)…
Un/Under-insured Property Damage : whatever your car costs to purchase. I don’t know about you, but I wouldn’t want MY insurance agent sending these renters burned down the kitchen and any help/advice would be much appreciated.(10)…
How much First party benefits insurance should I have? This seems to cover a range of things from medical expenses, accidental death, funeral benefits, and loss (11)…
How much car liability insurance do I need? ($60K Salary / $20K Assets / $30K IRA). I make about 60K/year and have about 20K in liquid assets (savings account) (12)…
At the end of the day, you need to carry coverage high enough that you aren’t worried about it. One thing to EDIT: I never anticipated the support so many would offer me. I thought I’d insurance more expensive higher car payments. 346.(13)…
5. Is the minimum required car insurance enough … – Reddit
If so, how much insurance is enough for those categories? Here’s what I Since he’s never paid rent, do I still need to give him 30/60 days to move out? I live in (14)…
MA has four required coverages and you have them and additional insurance, which I think is a great decision. The first four coverages are only for auto accidents (15)…
Car Insurance: Should I maintain state minimums (15k/30k) or go for higher end That’s why I have had it so far, I suppose I need to just wait another year and throw I got disability insurance though I can’t figure out how much I got (oops).(16)…
6. How much do you pay for car insurance? : Frugal – Reddit
I have mercury, but feel like I should switch. any ideas on where I can learn more about insurances I haven’t had insurance in years, nobody questioned the gap in coverage. r/Frugal – I had most of the paints at home and just needed to.(17)…
If you’re thinking about dropping your limits, you need to plan on NOT getting in an Under typical auto insurance, would I be screwed due to insurance denying a Do the crazy prices of used and salvage cars affect whether an insurance (18)…
How covered would I be if I was in a car accident or if I hit a pedestrian? Summary of Coverages and Rate Vehicle Rate 2003 HONDA CIVIC LX …(19)…
Aug 20, 2015 — The two cars and house are together on one insurance, the bike is separate I could find and they couldn’t match the house/car prices where were. I don’t want to be financially ruined if we have a bad car accident and hurt someone. Jag and $25,000 of coverage just ain’t gonna do it, although my state (20)…
7. Relatively speaking, how much car insurance should I … – Reddit
If you have any assets, they will take them. The only reason to go below the max possible (typically ~500k liability) is if you really really need that money to eat and (21)…
Obviously, we all want to get the best deal on car insurance. I’m not The big thing I want to remind you of is: When it comes to liability coverage, do not just go with the Many states have a minimum level of liability coverage for insurance.(22)…
About $1800/yr full cvg. Crystal clean driving record. plus I have classic collector car insurance for about $600 yr for 2 muscle cars. 2. Share. Report Save.(23)…
8. How much should I be spending on car insurance … – Reddit
I currently pay $82.33 per month for car insurance with Progressive. Some stats: I’m curious to know what others spend and how much I should be spending. To avoid a Surrender Fee, I need to wait 6 years AFTER my last contribution.(24)…
How much coverage you need — 1. Do I actually need car insurance? Reddit user RanchedOut posted about how skeptical they are about (25)…
Learn 10 easy tips to save on your car insurance premiums from Reddit’s personal Even if you’re a safe driver and need only minimum coverage, monthly the cost can be recouped many times over should you sustain bodily injury or Rating: 4.8 · 3,184 votes(26)…
9. The best car insurance advice we found on Reddit
Dec 19, 2017 — Here’s some of the best car insurance advice from Reddit. Accidents should be reported to both your auto insurance company and that of the pondered just how much uninsured/underinsured motorist coverage you need.(27)…
Feb 24, 2021 — Car insurance can help protect your finances if you’re in an accident or your vehicle gets damaged or stolen. But determining which types of (28)…
10. Reddit’s Top Tips for Saving Money on Car Insurance in … – Gabi
Jan 5, 2021 — When you’re shopping for car insurance, Reddit might not be your first stop. But actually, it See how much you can save on your insurance today. Do you need your whole family on your auto insurance, Reddit says “no. Rating: 4.8 · 2,270 votes(29)…
May 5, 2021 — Many or all of the products featured here are from our partners who compensate us. Cheapest Car Insurance Company Overall in California Drivers in California with clean driving records may want to consider the following To find cheap auto insurance for seniors, drivers in their mid-60s should shop (30)…
How much auto insurance coverage do I need? — How much auto insurance coverage do I need? Each state requires that you have (31)…
How do you determine if your car is totaled? A “total loss” in car insurance is a term insurers use when the cost to repair your car is more than the value of the (32)…
4 days ago — Car insurance works differently on Turo than it does for regular car rental companies, since it’s a peer-to-peer car rental company. Here’s how (33)…
Until June 30, new Qantas Car Insurance customers can score up to 20,000 points as a car insurance policies with Canstar to find a product that suits your needs. can help you with this home loan product as well as many other home loans It is to be underwritten by Auto & General, who also do Qantas Car Insurance.(34)…
Do I really need renters insurance coverage? are often unclear about what renters insurance is, what it covers, how much it costs, and how much they need. Renters insurance coverage even extends to personal property in your car.(35)…
3 days ago — WalletHub combined Michigan car insurance quotes so you can compare, shop, and save How much car insurance do I need in Michigan?(36)…
Feb 3, 2021 — Don’t own a car but need insurance to keep your driver’s license or meet an SR-22 Your non-owner’s policy would cover the extra $10,000 because your How much does non owner car insurance cost? reddit icon reddit.(37)…
Dec 17, 2008 — Your auto insurance is a collection of different policies that cover you in different ways. Heres how they break down: Liability coverage ” These (38)…
(1). Car Insurance – What is the right amount? : Frugal – Reddit
(2). Exactly how much car insurance coverage do I need? – Reddit
(3). How much auto insurance coverage do I need … – Reddit
(4). How much car insurance do I really need to have … – Reddit
(5). What liability limits do you have on your car insurance … – Reddit
(6). So, how much car insurance should I carry? – Reddit
(7). How much auto insurance coverage do you carry? – Reddit
(8). Car Insurance Guide: Types of Coverage and How to … – Reddit
(9). How much liability cover should my car insurance … – Reddit
(10). Ideal auto insurance coverage? – Reddit
(11). How much car insurance do I need/should I have? – Reddit
(12). How much car liability insurance do I need? ($60K … – Reddit
(13). How much auto insurance coverage? : personalfinance – Reddit
(14). Is the minimum required car insurance enough … – Reddit
(15). How much car insurance coverage do I have? – Reddit
(16). Car Insurance: Should I maintain state minimums … – Reddit
(17). How much do you pay for car insurance? : Frugal – Reddit
(18). [Car Insurance] What is an ideal bodily injury limits to … – Reddit
(19). Is this a good Car Insurance policy/coverage? – Reddit
(20). Car insurance. What are reasonable limits? Anything … – Reddit
(21). Relatively speaking, how much car insurance should I … – Reddit
(22). Car insurance : Frugal – Reddit
(23). Reddit, How much do you pay for car insurance? : AskReddit
(24). How much should I be spending on car insurance … – Reddit
(25). A Guide to Car Insurance, According to Reddit | QuoteWizard
(26). Reddit’s Top 10 Surprising Tips to Save on Car Insurance (2021)
(27). The best car insurance advice we found on Reddit
(28). How Much Car Insurance Do I Need? | Credit Karma
(29). Reddit’s Top Tips for Saving Money on Car Insurance in … – Gabi
(30). Cheapest Car Insurance in California (May 2021) – NerdWallet
(31). Car Insurance Estimator – Estimate car insurance using our …
(32). What Happens When Your Car is Totaled? | Progressive
(33). How Does Insurance Work on Turo? Do I Need to Buy …
(34). qantas car insurance review reddit – Junior Theater Festival
(35). What does renters insurance cover? – State Farm®
(36). 2021’s Cheapest Car Insurance in Michigan – WalletHub
(37). Non Owner Car Insurance – How To Buy & What All It Covers
(38). How Much Car Insurance Do You Need? – WSJ
Reddit’s Best and Cheapest Options to Save on Car Insurance (2021)
You might know Reddit as the internet’s source of all things quirky and cool––if you want to chuckle at a funny cat meme, the laid-back social media platform is the first place to look.
But what you might not know is that Reddit can also be a surprisingly good source for car insurance advice. One of the internet behemoth’s largest communities, or “subreddits,” is the fourteen-million-member-strong Personal Finance group r/personalfinance.
In r/personalfinance, anonymous Redditors swap tips and share advice about all things finance-related, including car insurance. We’ve combed through the subreddit’s many posts to find the most valuable advice to share with you.
If you’re interested in learning more about car insurance or comparing affordable quotes, Insurify can help! Insurify uses cutting-edge technology to deliver you personalized insurance quotes from dozens of leading companies in just a few clicks.
Score savings on car insurance with Insurify
1. Get insurance quotesbefore you buy a new pair of wheels
Maybe you’ve found a cheap car that suits all your needs––and it’s only a year old! What could be better? But before you sign on the dotted line, make sure to get insurance quotes for your new car. It’s easy to get caught up in the starry-eyed enthusiasm of making a big purchase. Still, car insurance premiums can be a costly addition to monthly auto payments, so it’s essential to make sure you find an insurance plan that fits your budget. (And don’t forget to keep enough saved to cover your deductible!)
Your credit history and driving record, among other factors, can raise or lower your rates. Even if you’re a safe driver and need only minimum coverage, monthly premiums can still present a hit to your wallet. So make sure to compare dozens of auto insurance quotes through a leading comparison site like Insurify to ensure you’ll be able to afford your new purchase. And always read any disclaimers or fine print before signing off on a new policy!
2. Consider purchasing a dashcam
Dash Cams from r/personalfinance
Investing in a dashcam––a dashboard-mounted camera that continuously records the view outside your vehicle’s front or rear windows––can help you save on repairs and clarify fault in the event of an accident or other unexpected damage to your car. U/db8cn gives a great example: because of his dashcam purchase, his spouse was cleared of all liability after an accident in which the other driver untruthfully declared them at fault.
Although a dashcam does present a substantial up-front investment, the cost can be recouped many times over should you sustain bodily injury or property damage from a crash. And if you don’t have liability insurance, a dashcam can provide additional savings by ensuring you’re not held liable for accidents that weren’t your fault. Most dashcam manufacturers will also offer a warranty in case your camera malfunctions.
3. Save money by shopping around for better car insurance deals regularly
I always heard that you can save money switching insurance companies every few years, but never actually shopped around until now. Found $1,715 in annual savings! from r/personalfinance
One of the most important ways to save money on your car insurance is to regularly compare quotes, a process made easy with leading quote comparison sites like Insurify. You may think you have the best deal with your provider, whether it’s Geico, State Farm, Nationwide, USAA, or another company. But you may be surprised by the unexpected discounts other insurance providers are prepared to offer you to switch.
If you’ve bought a home since you first purchased your insurance, for instance, you may be eligible for a homeowner’s discount, or affordable home and car insurancebundling. Whether you’re looking for a full coverage plan or a more specific policy, shopping around regularly for insurance deals is the smart thing to do.
4. Uninsuredmotorist coverage can ease the burden on your wallet
If you can afford it, pay a little bit extra to get a lot of extra protection regarding car insurance. from r/personalfinance
Many American drivers are uninsured. If you, like u/Amusedfemalestandard, have to deal with the repercussions of an accident with an uninsuredmotorist, uninsuredmotorist coverage can potentially save you thousands of dollars in repairs and medical bills.
Whether you’re looking for uninsuredmotorist coverage, gap insurance, collision coverage, or any other policy, leading insurance quote comparison site Insurify can provide you with a free personalized quote to suit your needs in just a few clicks.
5. If you’re driving less because of the pandemic, let your insurance provider know
In case you haven’t, you can call your auto insurance provider and lower your monthly payment if you’re no longer commuting to work due to social distancing! from r/personalfinance
Since the onset of the COVID-19 pandemic in February, many Americans have spent fewer hours on the road. One important factor in your car insurance price is how much you drive––drivers who spend more time on the road are more likely to get into scrapes and therefore are considered riskier to insure.
If you’ve been driving much less due to COVID-19––or for any other reason––you should contact your insurance agent to see if you may be eligible for lowered rates. Like u/kellerman1994, you may be able to negotiate a discount in just a few minutes. Learn more about how COVID-19 has impacted car insurance rates here.
6. If you’re unhappy with the assessed value of your car, you can negotiate
If you’ve totaled your car in an accident and the assessed value is less than you’d hoped, you may not realize that you have the ability to negotiate the value. But as u/perspectives writes, providing documentation of a higher value for the vehicle from authoritative sources like Kelley Blue Book or the National Auto Dealer’s Association may result in a higher quoted value for the car from an insurance adjuster.
There’s always an incentive on the part of the insurance company reimbursing you for your vehicle to make a profit, so it’s important to advocate for yourself and understand your right to negotiate––especially when you have the figures to back it up.
7. Make sure callers claiming to represent your insurance company are the real deal
Never give out personal or financial information on a call you did not initiate from r/personalfinance
It’s vital to be wary of scammers and fraudsters impersonating banks, healthcare providers, hospitals, car dealerships, or auto insurance companies, as u/JordanLeDoux points out. If you share sensitive personal information with a bad actor impersonating an insurance agent, you could potentially suffer from identity theft and be forced to engage in lengthy legal disputes and headache-inducing interactions with your bank.
By calling the official number listed on your insurance provider’s website before sharing sensitive information, you can make sure that personal details like your social security number won’t fall into the wrong hands.
8. If your credit score improves, get your car insurance rates reassessed
Credit score up, car insurance cost down from r/personalfinance
You’ve been making sure to pay your credit card bills on time, and as a result, your credit score has gone up. That’s great news for a number of reasons, but what you might not know is that an improved credit score can lower your car insurance payments!
If your credit score is up, make sure to give your insurance agent a call and ask to be reassessed. If you’re lucky, you may score a substantial discount on your monthly premiums. Insurance companies value customers with good credit scores, and that’s reflected by your rates, as u/pkennard’s story illustrates.
9. You can often save by paying for your car insurance policy upfront
Are you paying your auto insurance policy in full? from r/personalfinance
u/np20412 raises a good point. If you are financially able, paying your car insurance in full may make you eligible for a steep discount on your insurance costs. Contact your insurance agent to see if your provider offers any deals for customers who pay their policy in full.
Many insurers will lower rates and offer less expensive insurance coverage for those who pay in full upfront, including Progressive and Allstate.
10. Consider buying a breathalyzer to avoid pricey DUIs
Season’s Greetings: the average cost of a DUI is $10,000 from r/personalfinance
As u/YoYoDingDongYo points out, a DUI can be a very pricey mistake. Not only will you pay expensive fines and get in trouble with the law, but serious moving violations like DUI’s can tarnish your driving record and substantially raise your auto insurance premiums––even if it’s the first time you’ve gotten in trouble.
That’s why a breathalyzer might be a good investment if you ever enjoy a drink or two before hitting the road. Not only will you avoid a costly potential DUI, but you’ll also become a more responsible driver by keeping others safe.
That said, some car insurance companiesdo offer affordable deals for high-risk drivers. If you already have one or more moving violations on your record, you can save on your premiums by comparing quotes withInsurify.
Now that you’ve learned these ten valuable tips for car insurance, you’re ready to compare quotes like a true professional! Insurify is here to make sure you receive the biggest discounts and best deals on affordable car insurance quotes today.
Score savings on car insurance with Insurify
Does Reddit have a community to discuss deals on car insurance?
Yes, Reddit has several communities that discuss and share tips about car insurance. r/personalfinance and r/Insurance are two great places to start.
If my credit score improves, will my car payments be lowered?
You may be eligible for lower car insurance premiums if your credit score has improved. Contact your insurance agent and ask for a reassessment of your policy price.
What's a good way for me to quickly shop around and compare car insurance quotes?
Leading car insurance quote comparison site Insurify can provide you with dozens of personalized auto insurance quotes in just minutes.
Updated July 23, 2021
Isabella is from Cleveland, Ohio. She graduated from Columbia University in 2020 with a double major in English and Creative Writing. Though writing is her first passion, she also loves hiking, biking, hang gliding, white water rafting, skydiving, extreme eating, and the occasional swim with sharks.
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Reddit car insurance
Reddit’s Top Tips for Saving Money on Car Insurance in 2021
Sure, when you’re shopping for car insurance, Reddit might not be your first stop. We view Reddit as a hub for some of the funniest and unique content on the internet. But it isn’t just the home of memorable memes — it also hosts hundreds (if not thousands) of personal finance forums that can be extremely helpful if you’re seeking money-saving tips.
The subreddit r/personalfinance is a great place to start if you need tips for saving money on your car insurance. Here’s top tips from Redditors to help you get the best insurance policy:
Buying car insurance? Reddit says most vehicles don’t need full coverage
Hi PF! I’m an insurance professional here with some tips to save money on your insurance from r/personalfinance
When buying car insurance, you need to have liability coverage. What about full coverage? If your vehicle is financed, purchasing comprehensive and collision auto insurance is a must required by your lienholder. Also, consider adding more coverage to your insurance policy when your vehicle is less than 10 years old. In other cases, paying for comprehensive, collision, and other coverages that may be included (like towing or glass) may be an unnecessary expense.
Your insurance company will usually only pay out for a collision if you cause an accident. If the other motorist is at fault, their insurer will pay out. Comprehensive is more useful as it covers you in the event of: vandalism, theft, hitting an animal, or fallen tree, basically anything that could happen while you aren’t driving. Bear in mind that you will receive Actual Cash Value of your vehicle, which means the vehicle’s worth at that time. So you won’t buy the exact same car for the money you receive. Since full coverage is more expensive than liability only, you’ll end up paying the insurance company more than it would give you in case of a claim or you’ll break even. However, if you’d like to maintain your comprehensive and collision coverage, consider raising the deductibles which will result in a cheaper rate. However, keep in mind, if you raise your deductible, you’ll have to pay more upfront in the event of an accident.
Some Reddit users recommend decreasing your liability limits (but still staying above state minimum).
Auto insurance tip #2: Snag discounts
Advice for saving money on car insurance? from r/Frugal
While some tips like boosting your credit score or raising your deductible can cut costs, each insurer has different types of discounts — it may be worth checking which ones are the most common. One of the ways to reduce your car insurance premium is bundling it with your home policy. Other options involve purchasing a pay-per-mile policy and having a vehicle equipped with certain safety features, such as: airbags, anti-lock brakes, anti-theft devices or automatic safety belts. You may also consider completing a defensive driving course, setting up for automatic premium withdrawals, paying your premium in full, and choosing paperless insurance. Some insurers offer more affordable rates to those having their teen drivers or smart students on the policy.
If you need more help in this matter, feel free to contact us at [email protected] Our licensed Gabi advisors will talk you through available options.
Exclude other drivers
Do you need your whole family on your auto insurance, Reddit says “no.”If you’re the only one using your vehicle, you should exclude other drivers living in your household. It will save you some money, but you need to make sure that your family members won’t drive your car if they’re not listed on your policy. Otherwise, if they cause an accident, your claim may be denied.
If you drive your vehicle occasionally, remember to classify it as a “pleasure” car. Maybe during a pandemic you only work from home and the daily commute is just a distant memory? If you now just use your set of wheels for grocery shopping, don’t forget to inform your insurance company. It will definitely reduce your insurance rate. Not sure if your car can be listed to this category? Ask your Gabi advisor to help you assess it.
One of the best auto insurance tips shared by Redditors was relatively short — just be a decent driver and avoid having tickets. Insurance companies treat such policyholders better as they don’t tend to report claims and demand a pay-out.
Don’t get used to one company
If you’ve had the same auto insurance provider for years, you could be overpaying. Other companies could substantially lower your policy rate. We know it’s not something you’d like to spend your day off on, that’s why we created Gabi. Sign up here and get a free rate comparison across top US providers. Our customers save hundreds of dollars on average — why don’t you join them?
Check My Rate with Gabi
Editorial content on Gabi.com is reviewed by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.
Jessie is a Marketing Specialist at Gabi. As a licensed insurance agent, she has been helping Gabi customers buy and understand auto, home, renters, landlord, and umbrella insurance in a digestible way since she joined the Gabi team in 2020. Before joining Gabi she was a globally recognized Senior Account Executive for UPS- trusted with advising top brands on how to grow and streamline their business.
Robbie is the Vice President, Head of Sales & Customer Experience at Gabi. As a licensed insurance agent, he has more than 15 years of experience in the insurance industry, joining Gabi after working with Liberty Mutual as the Assistant Vice President and Site Leader, Direct Sales and Innovation. Robbie is a member of the Chartered Property and Casualty Underwriters society and has a Master of Business Administration (MBA) from Grand Canyon University.
Cheapest car insurance companies in October 2021
Finding the cheapest auto insurance company can be a great way to lower your monthly expenses. Auto-Owners and USAA offer the cheapest minimum coverage car insurance on our list, with affordable rates at $382 and $384 per year, respectively.
In the U.S., the average cost of minimum coverage car insurance is $565 per year, while full coverage costs $1,674 per year, on average. Choosing an auto insurer that offers the cheapest insurance coverage for your situation can help you feel more in control of your finances.
- Auto-Owners offers the cheapest average minimum coverage from a major insurer at $382 per year.
- You can expect to pay about $35 per month for minimum coverage based on the major auto insurers Bankrate reviewed.
- Smaller providers, such as Union Mutual and EMC, offer competitive rates at $15 per month for minimum coverage.
- USAA and Erie offer the cheapest monthly rates for full coverage car insurance on our list if you have a DUI conviction.
What is the cheapest car insurance company?
Auto-Owners offers the cheapest average auto insurance rates, based on our analysis of minimum coverage premiums obtained from Quadrant Information Services. USAA, Amica, Erie and Geico round out the top five cheapest companies on our list.
To decide which cheap car insurance companies to feature, Bankrate’s insurance editorial team evaluated each company based on quoted average premiums, coverage options, discounts, policy features and third-party rankings for customer satisfaction from J.D. Power and financial strength from AM Best. We combined these metrics into a Bankrate Score. The companies each received a score on a scale of 0.0 to 5.0. The higher the Bankrate Score, the more highly a company ranked in various rating categories.
|Insurance company||Average annual premium for minimum coverage||Average monthly premium (rounded to the nearest dollar)||Bankrate Score|
If you prefer working with a local agent over using a mobile app, Auto-Owners has independent representatives in the 26 states it serves. The company ranks near the top of the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, indicating that its customers are generally very satisfied with its claims process. Auto-Owners offers numerous policy add-ons as well, so you can build a policy that fits your needs. However, Auto-Owners isn’t available nationally, so it may not be an option in your area.
Learn more:Auto-Owners Insurance review
If you are active or retired military or an immediate family member of someone who is, USAA is a great company to consider for cheap auto insurance rates and good coverage. The major insurer routinely receives exceptional customer satisfaction feedback from J.D. Power, although it is not officially ranked due to its eligibility restrictions. USAA has military-focused discounts like savings for storing your car while you are deployed and garaging your car on a military base, as well as a few endorsements, including accident forgiveness and ridesharing coverage, to help you tailor your policy to your needs. Although USAA is available nationwide, it isn’t an option for all drivers. If you aren’t eligible, you’ll have to look elsewhere for cheap coverage.
Learn more:USAA Insurance review
Amica combines low auto insurance rates with exceptional customer satisfaction. One of the company’s most unique features is its dividend policies, which allow you to recoup some of your premium each year. Amica also offers several optional endorsements to help round out your policy, including roadside assistance, rental reimbursement and accident forgiveness. The company also offers a variety of discounts, including savings for homeowners, good student discounts and defensive drivers. But if you like to handle your insurance digitally, Amica might not be the best choice. The company received a below-average score in the 2021 J.D. Power U.S. Insurance Digital Experience Study in the Service category, which could indicate that current clients do not find the company’s digital service to be helpful.
Learn more:Amica Insurance review
Although only available in 12 states and Washington D.C., Erie consistently performs well with its prices and customer service. Options like accident forgiveness, rental reimbursement, travel expenses and pet injury coverage are available in addition to the standard coverage options. Erie also has a unique Rate Lock feature that allows the policyholder to lock in their premium and coverage, although your rate will change if you make certain updates to your policy, like adding a new vehicle or driver. Just like Auto-Owners, Erie is a regional provider. If you live in a state where coverage isn’t offered, the company won’t be an option for auto insurance.
Learn more:Erie Insurance review
With one of the largest menu of discounts in the industry, it is no surprise that Geico made our list of affordable auto insurance carriers. You may save for being a federal employee, military member, good student, safe driver or a member of certain organizations. Geico might also be a great choice for you if you like to handle your insurance digitally. The company earned the top spot in the 2021 J.D. Power U.S. Insurance Digital Experience Study for the Service category. However, if you want a well-rounded policy, Geico might not be the best fit. The company only offers a few endorsement options, so you might not be able to add coverage options to fit your needs.
Learn more:Geico Insurance review
Cheapest car insurance rates from smaller companies
Although large companies might offer more discount programs, you might want to get a quote from companies with a smaller market share in your search for cheap coverage. Smaller insurers may offer more affordable car insurance and personalized coverage than larger, national insurers.
|Insurance company||Average annual premium for minimum coverage||Average monthly premium (rounded to the nearest dollar)|
|Nodak Insurance Company||$164||$14|
Due to less advertising and lower overhead costs, many smaller companies may offer more competitive premiums than their larger counterparts. Although these carriers might not sound as familiar as the larger companies, it could be worthwhile to get quotes from these lesser-known insurance providers.
Cheap car insurance by driving history
Although maintaining a clean driving record is one of the best ways to keep your car insurance premiums low, accidents happen. Most car insurance companies will surcharge your policy for at-fault accidents, tickets and DUI convictions. Multiple incidents on your driving record might mean that you will have to search for high-risk or non-standard coverage.
Because of the increase in perceived risk, auto insurers will typically charge more for high-risk drivers. However, getting quotes from several providers can still help you find the cheapest auto insurance company for your situation. We have included each company’s average monthly rates for full coverage car insurance for a driver with a clean record and after one speeding ticket, at-fault accident or a DUI conviction.
|Insurance company||Clean driving record||One speeding ticket||One at-fault accident||One DUI|
Cheap car insurance rates by state
Each state has its own insurance regulations, which affect the coverages you need to purchase and how much you will pay. And because each company has its own rating algorithm, the cheapest company for one driver might not be the cheapest for another. Getting quotes from several companies can help you compare premiums, but, on average, these are the cheapest companies in each state.
It is worth noting that, in many states, USAA offers cheaper average premiums for minimum coverage than the company we listed, but since eligibility is limited, we have left it off this list. Taking that into consideration, Geico offers the cheapest average minimum coverage car insurance in more states than any other provider on our list.
|State||Cheapest car insurance company||Average annual minimum coverage premium|
|Arkansas||Southern Farm Bureau||$316|
|Iowa||Iowa Farm Bureau||$212|
|Kansas||Iowa Farm Bureau||$325|
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