Cheapest Car Insurance Quotes Near Me
Cheapest Car Insurance Quotes Near Me: Cheapest Car Insurance Quotes near Geelong VIC
For many people, finding the cheapest auto insurance is essential in the fast-paced world of today, when every dollar matters. Finding the best auto insurance quotes nearby, though, can seem like a daunting task given the abundance of options available. Have no fear—we’ll reveal the methods for locating inexpensive auto insurance without sacrificing coverage. Determine what you need in a car insurance policy before starting your hunt for the lowest price. Take into account things like your driving style, the brand and model of your car, and any additional insurance you might require. Knowing what you need will make your search easier and guarantee that you choose insurance that fits your needs.
Wanting cheap car insurance in this economy can seem like a no-brainer. But every company is different, and what’s cheapest for one driver may not be the cheapest for you. That’s why NerdWallet did the legwork for you. We analyzed auto insurance rates from 139 car insurance companies around the country to find cheap car insurance across several categories. State Farm is the cheapest car insurance company overall according to NerdWallet’s analysis, with an average rate of $39 a month for minimum coverage. It was also the cheapest in our analysis of cheap full-coverage auto insurance.
Check out the table below to find the cheapest car insurance company for each category we analyzed.
|
Cheapest by category |
Company |
Average monthly rate |
|
$39 |
||
|
$27 |
||
|
$46 |
||
|
$51 |
||
|
$60 |
||
|
$57 |
||
|
$79 |
||
|
$38 |
If you want the best of the cheapest, check out NerdWallet’s roundup of the best cheap car insurance companies.
How to get cheap car insurance: Cheapest Car Insurance Quotes near Geelong VIC
If you’re looking to save money by getting the cheapest possible car insurance, here are six things you can try:
- Compare quotes from multiple insurers.
Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the most affordable insurance, but prices can change, so check roughly once a year.
- Ask for discounts.
You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.
- Cash in on major life changes.
Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.
- Raise your deductible.
The higher your deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.
- Revisit quotes after your driving record improves.
Shop for cheap car insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.
- Reconsider the car you drive.
The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.
Cheapest car insurance by state
What counts as cheap auto insurance will be different depending on where you live, as rates vary widely from state to state. For the sake of comparison, we found the cheapest car insurance company for minimum coverage, on average, in each state and Washington, D.C.
|
State |
Cheapest company |
Average annual rate |
|
$343 |
||
|
$316 |
||
|
Noblr |
$274 |
|
|
$324 |
||
|
$239 |
||
|
$185 |
||
|
$618 |
||
|
$674 |
||
|
$322 |
||
|
$415 |
||
|
$278 |
||
|
$134 |
||
|
$335 |
||
|
$261 |
||
|
Hastings Mutual |
$188 |
|
|
$341 |
||
|
$222 |
||
|
$476 |
||
|
Patriot Insurance |
$349 |
|
|
$522 |
||
|
Vermont Mutual |
$263 |
|
|
Wolverine Mutual |
$248 |
|
|
$332 |
||
|
$330 |
||
|
$323 |
||
|
$181 |
||
|
$120 |
||
|
$460 |
||
|
$228 |
||
|
$357 |
||
|
$323 |
||
|
NYCM |
$380 |
|
|
$364 |
||
|
$325 |
||
|
Buckeye |
$221 |
|
|
American Farmers & Ranchers |
$275 |
|
|
CIG |
$537 |
|
|
$295 |
||
|
Quincy Mutual |
$519 |
|
|
$215 |
||
|
North Star |
$242 |
|
|
$274 |
||
|
$372 |
||
|
QBE |
$414 |
|
|
Union Mutual |
$193 |
|
|
$376 |
||
|
Pemco |
$222 |
|
|
$319 |
||
|
Westfield |
$415 |
|
|
Integrity |
$166 |
|
|
$132 |
But state averages can tell you only so much. Even within a state, car insurance rates for minimum coverage can differ. That’s why NerdWallet analyzed rates for some of the largest cities in the U.S.
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It can be very difficult to navigate the complexity of auto insurance, particularly when looking for the best deals. You should think about speaking with an independent insurance agent who can offer you individualised advice and assist you in locating the best deal on insurance. With the correct information and resources, obtaining cheap auto insurance is possible. Find the best car insurance quotes nearby without compromising on coverage by knowing your needs, investigating nearby companies, using internet resources, and looking into available discounts. Remember, to make sure you’re getting the best value for your money, periodically review your policy and, if necessary, seek professional advice.