- Travlers — Best Overall
- GEICO — Runner-Up
Price is obviously a major consideration with regards to automobile insurance, nevertheless it shouldn’t be your priority. If your provider can’t actually allow you to when you’re in an accident, it won’t matter how much (or how little) you taken care of your policy.
Our favorite cheap auto insurance provider is Travelers, a business which leads the pack both in coverage and discounts. Supplemental options include anything from common add-ons like rental reimbursement to rarer benefits including GAP insurance, which takes care of the gap in value from a wrecked vehicle as well as the amount remaining on its loan. We also love that many of Travelers’ deductions are available to some broad swath of shoppers, with driver reductions in price for simple behaviors like paying your bill by the due date.
GEICO, our runner-up, is sold with similar coverage and discounts to Travelers. Where the two differ is their priorities: GEICO has a tendency to favor vehicles’ precautionary features over their driver’s habits, that makes the business a powerful choice for owners of newer cars. Plus, GEICO’s high claims satisfaction and care about customer service mean it won’t help you stay waiting when you require support.
In order to discover the lowest rate, you’ll should get quotes from multiple insurers. We recommend looking at Progressive, Allstate, and State Farm, three insurers which have no trouble supplying the basic coverage you will need, plus supplemental coverage options you need. These providers don’t perform quite as well as our top picks — overall they’ve got fewer add-ons reducing financial strength ratings. However, in addition they include a generous amount of discounts, which may translate for your lowest rate if you qualify.