State legislators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in only $2,000 worth of damage. That caused average annual rates to spike by $1,000 or more in some states, while others jumped by far less. One thing’s for sure: Your rates will definitely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record.
Product highlights: Allstate customers can sign up for Drivewise, a mobile app that awards points for completing safe driving challenges. Those points can be redeemed for gift cards, merchandise, and other prizes. Plus, Allstate famously offers first-time accident forgiveness…even if you’re at fault for a fender-bender. Allstate’s also well documented for its roadside assistance services.
Compare.com is another online car insurance comparison tool that generates real-time quotes from multiple insurance providers. In addition to car insurance, Compare provides quotes for home, health, and small business insurance, as well as tools to help you choose car loans and mobile phone plans. The site is rated 4.5 out of 5 on eKomi, based 640 user reviews.
If you take a defensive driver course through SafetyServe, you’ll be eligible for discounts on Amica premiums. You also get automatic discounts for paying your premium in full or owning your own home. Standard policies also come with some pretty sweet perks, such as zero deductible on lock replacement (whether your keys are stolen or you just lose them).

One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
When it comes to supplemental coverage, Travelers is hard to beat. It consistently met our marks for what we considered “the essentials” and it offers unique coverage, too. That includes accident forgiveness, GAP insurance, and special coverage for drivers employed by ridesharing operations like Uber and Lyft (though this add-on is currently only available in Colorado and Illinois).
Product highlights: As a mutual insurance company, Amica can afford to offer much lower rates than standard insurance carriers. Amica is consistently ranked as a favorite among consumers for their excellent customer service and a high record of auto claims satisfaction. Amica’s Car Connection program allows customers to get special pricing on new and used cars through the program’s dealer network. Furthermore, Amica’s Platinum Choice Auto option allows you to add other perks to your policy, including an Advantage Rewards system that adds points to your profile for good driving and referring friends. These points can go towards accident forgiveness or even lowering the price of your deductible.
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Uninsured / underinsured motorist (UM / UIM) covers costs associated with an accident involving uninsured or underinsured motorists, or hit and run drivers. You can’t control the coverage of other drivers on the road, but if you get in an accident with someone who doesn’t have insurance — or who has insufficient protection — you’ll be forced to deal with the costs yourself. We know it’s frustrating to have to pay for someone else’s negligence, but opting for UM / UIM coverage will be well worth it when you need it.
But according to the National Center for Biotechnology Information, newly licensed drivers are about eight times more likely to be involved in fatal crashes in their first six months than more experienced drivers. The takeaway? Experience counts. The Center for Disease Control suggests that increased education programs and parental involvement in instruction are associated with reductions of as many as 40% of fatal and injury crashes among 16-year-olds.
You’ll notice that none of that liability coverage pays for your car or injuries, nor for any injuries your passengers sustain if you cause a wreck. This is why many people — particularly those whose car isn’t yet paid off — want “full coverage” car insurance. This isn’t actually a type of coverage, but instead typically refers to policies that include liability coverage, plus comprehensive and collision coverages.
Professional and organizational discounts: If you belong to certain organizations, such as the AARP, or are a member of certain professions, you may be eligible for a discount. Check with your employer, professional organization, and any other group with which you enjoy membership; you can also ask the insurance company if any such discount is available.
In addition, while The General makes it easy to get a quote and streamlines the process of obtaining coverage, many drivers report a complicated claims process that often results in unsatisfactory payouts. This also holds true for repairs — customers have noted that The General often does its best to keep from paying for coverage it promised. If you’re at the end of the road when it comes to insurance options, The General may be able to provide you with a policy, but we wouldn’t recommend it for most drivers.
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