The Best Online Car Insurance Coverage

Most major car insurance companies offer instant coverage online. Find the best deal by (1) reading customer reviews, (2) checking financial ratings, and (3) comparing quotes.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Consumers often rate their insurance companies based on premium costs and customer service
  • USAA is a well-respected and highly acclaimed company
  • Many insurance companies may meet your specific needs, so you should shop around and compare quotes before making a final decision

If you are connected to the military, some of the best companies to purchase online coverage from online are USAA, Texas Farm Bureau, Erie, Wawanesa, State Farm, Auto-Owners, Amica Mutual, and Tennessee Farm Bureau.

These have all received top accolades from consumers.

Compare online car insurance rates right now by entering your zip code into the FREE quote tool above!

Purchasing auto insurance is not something that you should take lightly, and paying a reasonable price for coverage is important to most drivers.

But when you spend a lot of time on the road, you have a greater chance of getting into a wreck. If that happens, you want to make sure that you are covered properly and that your insurance provider takes care of you.

Consumer Ratings

Those who have experience with a provider are able to tell you how the company rates when it comes to insurance, customer service, and other aspects of their experience—seeking out this kind of advice is crucial to choosing a good provider.

You can speak with those individuals who are close to you, such as people you work with, friends, or people in your neighborhood. Ask them who they use for car insurance and if they are satisfied with the service and price.

You can also use the Internet to find out this information.

Use a site such as J.D. Power, which publishes results from customer surveys that ask questions dealing with certain insurance categories.

Consumers rate car insurance providers based on

  • customer service
  • payment and billing
  • type of policies offered
  • pricing of policies

They also weigh in about the claims process and the purchase experience. Each category is given a rating between one and five, with five being the highest rating possible.

Auto insurance companies vary across the country, since not all providers are registered to sell insurance in every state.

J.D. Power and Associates takes this into account and lists ratings according to different regions in the country.

The top-rated company in California is Wawanesa; in the central region, it is Texas Farm Bureau; in Mid-Atlantic, it is Erie.

In North Central, the top-rated company is a tie between State Farm and Auto-Owner’s; in the Northeast, it is Amica Mutual; in the Southeast, it is Tennessee Farm Bureau; and in the West, it is State Farm.

If you are in the military, are formerly military, or have a military family member, then you should know that USAA has received the top ratings in all regions.

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Financial Ratings

Although choosing an insurance company based on other drivers’ experiences is a good way to go, you also want to make sure the company you decide on is financially stable.

Companies like A.M. Best and Standard and Poor’s list financial ratings of auto insurance companies.

Companies that receive high consumer ratings also tend to rate high financially. This indicates that the companies are able to satisfy their current contract and policy obligations as well as the contracts they will hold in the future.

This bodes well for you as a policyholder, especially when it comes to getting claims paid.

Finding Car Insurance Coverage Online

If you don’t choose one of the companies above, or if you want to do some searching around, the Internet makes it extremely easy to do some car insurance rate shopping.

The easiest way is to use a site such as this one. You can get quick insurance quotes for free just by giving your zip code and some other information.

You will be able to choose from multiple companies that are able to insure you.

The nice thing about these online auto insurance coverage sites is that you can save a lot of time by only having to enter your information once.

How to Apply for Car Insurance Online

If you choose one of the recommended auto insurance companies, you can apply for coverage online.

Most of the car insurance providers have full service websites that allow you to fill out all of the information needed either for a rate quote or an application.

The Insurance Information Institute lists some of the necessary information that will determine what policy you will get and the rate you will pay.

You will need to provide:

  • information about your vehicle
  • the drivers who will be using the car
  • an estimate on how often you will be driving
  • your credit history
  • the types of coverage you want
  • any other information that may provide a discount

Once you have finished filling out the necessary information, you will receive a rate quote within minutes.

You can decide to accept the policy at that time, or tweak things such as coverage types or deductibles to decrease the rate.

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Keeping Car Insurance Rates Low

For many drivers, one of the most important aspects when it comes to choosing auto insurance coverage is price. If you shop around, it is often possible to find good insurance coverage for a good price.

There are other things that you can do to lower your rate.

Because of the number of insurance companies, there are many options to choose from. To get more business, many providers offer competitive rates.

By shopping around, you will have better success finding an affordable policy.

Rates are often cheaper, as well, with companies that only offer insurance online or via telephone. These providers are able to offer lower rates because they don’t pay for agents or other middlemen.

Because insurance rates are determined using many factors, if you alter some of the factors you can often lower the rate that you would pay.

The type of coverage you choose is one of them.

In order to pay the lowest premium, choose only basic coverage. Basic coverage meets the minimum requirement that each state has set.

In some states, this will be just liability coverage while in others it may also include uninsured motorist and/or medical coverage.

In most cases, this is not the best way to decrease your payments; if you were in an accident, you would end up paying a lot more out of your own pocket.

You can play with the deductible and liability limit amounts to see how this will affect your rates.

Increasing the deductibles on your collision and comprehensive insurance will decrease your premium as will lowering your limits.

If you are in the market for a new car, choose one that ranks high in safety. Vehicles with more advanced safety features are cheaper to insure.

Visit Safer Car to get an idea of the types of vehicles that rate high safety-wise.

The history of the driver is one of the biggest factors in car insurance rates. The better driver you are and the safer you are on the road, the less you will end up paying for your policy.

Ask your agent if taking a safety driving class would help you save money on your coverage.

Ask about other discounts as well.

If you have other insurance policies such as life or homeowners, bundle them with your auto policy, which in some instances will save you almost 20%.

If you have a teenage driver on your policy, encourage him or her to work hard in school, as a B average or better can result in savings on your policy.

If your credit is less than stellar, work on increasing your score. Drivers with good credit pay less for car insurance than drivers with poor credit.

Although it can take some time to build up, doing it is worth the effort in more ways than just saving money on your insurance policy.

Other Online Services

Besides being able to apply for car insurance online, insurance websites offer many other convenient services as well.

Many of them have the ability for you to do an online chat with a representative from the company. With some companies, this service is available twenty-four hours a day.

Being able to file and track claims online is another benefit that many insurance websites offer. For instance, if you have a claim to file, you can do it on your own time through many online tools.

Within twenty-four hours, you will be contacted by an insurance rep who will give you a claim number and answer any questions you may have.

After the claim has been filed, many sites will allow you to check back online during the process to track the claim.

This helps you feel more informed about what is going on.

Enter your zip code below to compare quotes from multiple car insurance companies today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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