Compare Car Insurance for Road Trips: Rates, Discounts, & Requirements in 2024 (Top 10 Companies)
Compare car insurance companies for road trips from Progressive, Allstate, and State Farm. Examine the customized coverage choices and discounts provided by these leading companies. Delve into detailed information to make well-informed decisions for your upcoming travels.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Feb 12, 2024
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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.
UPDATED: Feb 12, 2024
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.
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Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Examine and compare car insurance companies for road trips with Progressive, Allstate, and State Farm. Delve into their offerings, assessing rates, discounts, and tailored coverage options to ensure your journey is safeguarded by a choice that strikes the perfect balance between protection and financial prudence.
Although insurance providers do not technically sell insurance policies for road trips, you can purchase a comprehensive car insurance policy for any vehicle. This coverage includes car rentals, vehicles that you own, and cars that you will just be driving during a road trip.
Company | Rank | See Pros/Cons | Maximum Multi-Policy Discount | Maximum Low-Mileage Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 10% | Up to 10% | Online Convenience | |
#2 | Allstate | Up to 10% | Up to 22% | Add-on Coverages | |
#3 | State Farm | Up to 17% | Up to 30% | Many Discounts | |
#4 | USAA | Up to 25% | Up to 10% | Military Savings | |
#5 | Nationwide | Up to 20% | Up to 10% | Usage Discount | |
#6 | Travelers | Up to 13% | Up to 10% | Accident Forgiveness | |
#7 | American Family | Up to 20% | Up to 10% | Student Savings | |
#8 | Liberty Mutual | Up to 12% | Up to 10% | Customizable Polices | |
#9 | Farmers | Up to 10% | Up to 10% | Local Agents | |
#10 | AAA | Up to 7% | Up to 10% | Deductible Reduction |
Comprehensive car insurance is defined by the Arkansas Insurance Department as an auto policy that protects vehicle owners from any damages that they, another driver, or an outside force cause to their vehicles.
Full auto coverage also protects policyholders from having to pay for any damages that they have been deemed responsible for. If you currently have a liability-only insurance policy on your vehicle and you want to take a road trip, buying temporary comprehensive insurance will give you further protection.
Many drivers get into accidents when they drive along roads with which they are not familiar.
Since your road trip will likely take you far away from your state of residence, having a temporary car insurance policy can save you money as well as unnecessary hassles. Temporary comprehensive car insurance coverage is also known as short-term insurance. Type your ZIP code into the FREE tool above to compare car insurance quotes from multiple companies!
#1 – Progressive: Online Convenience
Progressive stands out for road trips with online convenience, competitive rates, and tailored coverage options.
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Pros
- Online convenience: Progressive is ranked #1 for its online convenience, making it a top choice for users who prefer a seamless and digital insurance experience.
- Maximum multi-policy discount: Progressive offers a competitive multi-policy discount of up to 10%, providing savings for customers bundling multiple insurance policies.
- Maximum low-mileage discount: With a maximum low-mileage discount of up to 10%, Progressive caters to customers who drive less, rewarding them with potential cost savings.
Cons
- Limited deductible reduction: Progressive offers a deductible reduction of up to 7%, which is comparatively lower than some other companies on the list.
- Moderate maximum discount rates: While Progressive provides solid discounts, the maximum rates may not be as high as those offered by some other companies on the list.
Read more: Progressive Car Insurance Review
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#2 – Allstate: Add-on Coverages
Pros
- Add-on coverages: Allstate stands out for its extensive add-on coverages, making it an ideal choice for customers looking for additional protection beyond standard policies.
- Maximum multi-policy discount: Allstate offers a competitive multi-policy discount of up to 10%, providing potential savings for customers bundling their insurance needs.
- High maximum low-mileage discount: With a maximum low-mileage discount of up to 22%, Allstate offers significant savings for customers who drive less.
Cons
- Online convenience: Allstate is not ranked as high for online convenience, which may be a drawback for customers who prioritize a fully digital insurance experience.
- Limited deductible reduction: Allstate’s deductible reduction of up to 7% is lower compared to some other companies, potentially offering less flexibility for customers.
Read more: Allstate Car Insurance Review
#3 – State Farm: Many Discounts
Pros
- Many discounts: State Farm is recognized for offering a wide range of discounts, making it suitable for customers seeking various ways to save on their car insurance.
- Maximum multi-policy discount: With a multi-policy discount of up to 17%, State Farm provides attractive savings for customers bundling their insurance coverage.
- High maximum low-mileage discount: State Farm offers a substantial low-mileage discount of up to 30%, making it an excellent choice for customers who drive less.
Cons
- Customization options: State Farm’s policies may be less customizable compared to some other companies, potentially limiting flexibility for certain customers.
- Deductible reduction: State Farm’s deductible reduction rate of up to 7% is lower than some competitors, offering less incentive for customers looking to reduce deductibles.
Read more: State Farm Car Insurance Review
#4 – USAA: Military Savings
Pros
- Military savings: USAA is highly regarded for its commitment to military savings, offering a substantial discount of up to 25% for military members and their families.
- Maximum multi-policy discount: With a multi-policy discount of up to 10%, USAA provides additional savings for customers bundling various insurance needs.
- Solid low-mileage discount: While not the highest, the maximum low-mileage discount of up to 10% adds value for customers who drive less.
Cons
- Membership eligibility: USAA is limited to military members and their families, making it inaccessible to the general public.
- Limited deductible reduction: USAA offers a deductible reduction of up to 7%, which is lower than some competitors.
Read more: USAA Car Insurance Review
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#5 – Nationwide: Usage Discount
Pros
- Usage discount: Nationwide stands out with its usage-based discount, offering potential savings for customers who drive less.
- Maximum multi-policy discount: Nationwide provides a competitive multi-policy discount of up to 10%, encouraging customers to bundle their insurance needs.
- Nationwide availability: As a national insurance provider, Nationwide is accessible to customers across the United States.
Cons
- Limited maximum discounts: While Nationwide offers solid discounts, the maximum rates may not be as high as those provided by some other companies on the list.
- Online convenience: Nationwide is not specifically highlighted for online convenience, which may be a drawback for users seeking a fully digital experience.
#6 – Travelers: Accident Forgiveness
Pros
- Accident forgiveness: Travelers distinguishes itself with the inclusion of accident forgiveness, providing policyholders with peace of mind in the event of an accident.
- Maximum multi-policy discount: With a multi-policy discount of up to 10%, Travelers offers additional savings for customers bundling different insurance coverages.
- Solid low-mileage discount: The maximum low-mileage discount of up to 10% adds value for customers who drive less.
Cons
- Moderate maximum discounts: While Travelers provides competitive discounts, the maximum rates may not be as high as those offered by some other companies.
- Limited deductible reduction: Travelers offers a deductible reduction of up to 7%, which is lower compared to some competitors.
Read more: Travelers Car Insurance Review
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What kinds of accidents does temporary car insurance cover?
When planning a road trip, the importance of securing suitable insurance coverage cannot be overstated. Here’s a snapshot of the average monthly car insurance rates from leading insurers tailored for road trips.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Progressive | $97 | $200 |
Allstate | $92 | $210 |
State Farm | $99 | $200 |
USAA | $92 | $185 |
Nationwide | $89 | $205 |
Travelers | $90 | $185 |
American Family | $88 | $205 |
Liberty Mutual | $91 | $215 |
Farmers | $93 | $205 |
AAA | $95 | $185 |
Progressive offers a minimum coverage option at $97 per month, while full coverage is available at $200. Allstate provides a minimum coverage plan for $92 monthly and full coverage at $210. State Farm stands at $99 per month for minimum coverage and $200 for full coverage. The rates continue with other notable insurers, such as USAA, Nationwide, Travelers, American Family, Liberty Mutual, Farmers, and AAA.
When will my temporary car insurance policy expire?
If you know the exact date of your road trip, you can buy a temporary comprehensive car insurance policy for the period of time you will be traveling.
However, most companies offer a policy term of at least six-month, or even a year. Even though you may find some insurers advertising short-term coverage, they may not offer the best coverage suited to your needs.
Read more: Compare Three-Month Car Insurance: Rates, Discounts, & Requirements
Some road trips are completely unplanned, but you will still be able to buy temporary insurance at any point.
Unlike traditional car coverage that is purchased in advance for a specific period of time, your temporary auto insurance can last for as long as you want it to.
If you want to buy a car insurance policy for less than six months, you may need to cancel your standard auto insurance policy mid-term. However, there are still options to get temporary insurance coverage outside the typical six or 12-month policy period.
When renting a vehicle, comprehensive coverage is nearly always needed.
You can choose to purchase a temporary comprehensive insurance policy directly via your car rental agency or you can buy separate full coverage through an independent car insurance company.
The Insurance Information Institute states that consumers who rent cars don’t always need to buy additional coverage.
However, drivers who have liability only car insurance policies are usually not able to rent cars with their existing insurance policies.
Car rental companies need to be certain that their customers will not cause them to incur a financial loss in case they get into accidents.
Read more: Compare Car Insurance for Shipping Cars Overseas: Rates, Discounts, & Requirements
Case Studies: Car Insurance for Road Trips
Case Study One: Smooth Road Trip With Progressive
Emily, a frequent traveler, was planning a cross-country road trip and wanted to ensure she had the right insurance coverage. She turned to Progressive after reading about its online convenience.
Emily needed coverage tailored to her travel profile, considering the long distance and varied terrains of her road trip. Progressive’s online convenience allowed Emily to easily compare rates and customize her coverage. She opted for full coverage at $200 per month, providing her peace of mind throughout the journey.
Case Study Two: Allstate’s Additional Coverages for a Memorable Journey
John and Sarah were planning a family road trip with their kids. They were concerned about potential risks and wanted extra coverage beyond the basics.
The couple needed an insurance provider that offered additional coverage to ensure their family’s safety and protection during the road trip. Choosing Allstate, John and Sarah benefited from the add-on coverages available. They opted for a policy with a monthly premium of $210, including extra protection for roadside assistance and rental car coverage.
Case Study Three: State Farm’s Discounted Road Adventure
Mike, an avid road tripper, was looking for an insurance provider that offered various discounts to make his travels more cost-effective.
Mike needed an insurance plan that not only covered his road trips comprehensively but also came with attractive discounts to reduce his overall expenses. Opting for State Farm, Mike took advantage of the many discounts available. His comprehensive coverage, priced at $200 per month, included various discounts such as safe driver, multi-car, and bundling.
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Will temporary car insurance cover any vehicle?
Traditional car insurance often can be used by drivers who are not listed on the policy.
When insured motorists drive a vehicle that they do not own, their auto insurance companies will often extend coverage to that vehicle as well.
However, temporary car insurance usually only provides protection for the policyholder and the vehicles listed at the time of purchase.
If you decide to drive a different car while on your road trip, you can buy a new temporary insurance policy or even add it to your current insurance plan.
Temporary policies also cover different types of vehicles, such as those designed for recreational use.
Since most states require people to have insurance on jet skis, mopeds, and even golf carts, rate comparisons for temporary insurance policies are readily available on and off the internet.
You will need to submit a car insurance quote application to see how much money it will cost you to cover the vehicle you will be taking on your road trip.
While some companies may advertise low short-term car insurance rates, you will undoubtedly pay more if you want full coverage on your vehicle.
As soon as you know when and where your road trip will take place, start comparing temporary comprehensive car insurance rates.
Short-term coverage options do not always offer the best protection against accidents, so you might end up paying for damages out of pocket.
Enter your zip code below to receive car insurance quotes from multiple companies today!
Frequently Asked Questions
Do I need special car insurance for road trips?
Generally, your existing car insurance policy should cover you for road trips. However, it’s crucial to review your policy to ensure it provides adequate coverage for the duration and distance of your road trip. If you have any concerns or specific requirements, it’s best to contact your insurance provider to discuss your options.
What factors should I consider when comparing car insurance for road trips?
When comparing car insurance for road trips, consider factors such as your coverage needs, the duration of your trip, and the distance you’ll be traveling. Additionally, take into account your driving record, any specific discounts or incentives for road trips, and whether temporary coverage options are available for your travel plans.
Can I add temporary coverage for my road trip?
In some cases, you may be able to add temporary coverage for your road trip. This can be done through a policy endorsement or by purchasing a separate short-term car insurance policy. Contact your insurance provider to inquire about options for temporary coverage and any associated costs.
Are there any specific discounts for road trips?
Insurance providers may offer specific discounts or incentives for road trips. These can include low-mileage discounts, usage-based insurance programs, or discounts for bundling your car insurance with other policies. To maximize potential savings, it’s advisable to inquire with your insurance provider about any available discounts that align with your road trip plans.
What should I do in case of an accident during my road trip?
If you are involved in an accident during your road trip, follow these steps:
Ensure safety: Move to a safe location if possible.
Exchange information: Exchange contact and insurance details with the other party involved.
Document the scene: Take photos of the accident scene and gather witness information.
Contact authorities: Report the accident to the local authorities if required.
Inform your insurance provider: Notify your insurance provider about the accident as soon as possible to initiate the claims process.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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.