Compare Car Insurance Companies That Rate Drivers Individually [2021]

Car insurance companies that rate drivers individually base rates on many different factors, such as your age and driving record. Married couples and families may combine policies and save money. However, if one driver has a bad driving record, it can cost more than having individual policies. Auto insurance companies that rate drivers individually are easy to find and include the top insurers.

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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: Oct 21, 2021

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Here's What You Need to Know

  • Auto insurance companies offer rates based on your personal information
  • Your rates will be different from other drivers’, even if you share some characteristics
  • Most auto insurance companies will give you the choice to combine policies with other drivers in your household

Coverage looks different for every driver, and the best auto insurance companies give drivers lots of policy options.

The top car insurance companies that rate drivers individually also offer the option of combining coverage with other drivers in your home.

Car insurance companies use many different factors to determine rates, and rates will vary from driver to driver and company to company.

Shop around to find affordable car insurance companies that rate drivers individually. Compare rates from multiple companies to find your best deal.

Enter your ZIP code now to compare free quotes from car insurance companies that rate drivers individually in your area.

What car insurance companies rate drivers individually?

If you and your best friend get car insurance quotes, they will be different no matter how similar you are. Each car insurance company will base the rates they offer to you on your personal information.

Although each car insurance company will rate you individually, you can combine policies if you are married or live in the same household.

This isn’t always a good idea, though. For example, if one of you has a bad driving record, all of the rates can increase.

To get an idea of how much your personal factors can affect your auto insurance rates, take a look at this table. It shows you average rates based on driving history, and you might be surprised at how much of a difference your record can make.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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Drivers with accidents, tickets, and DUIs pay much higher rates than drivers with a clean driving record.

Car insurance companies take accidents and poor driving very seriously. In fact, according to the National Highway Traffic Safety Administration, there were 38,680 deaths from traffic accidents in 2020.

Drivers with multiple infractions on their driving record can be considered high-risk drivers. Rates skyrocket as a result, and it is very hard to find affordable car insurance for high-risk drivers.

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What factors affect car insurance rates?

Although your driving record is one of the most significant factors affecting car insurance rates, there are many others as well.

Other factors that car insurance companies look at are your:

  • Age – Young drivers lack experience and are more likely to be in an accident, but older drivers can have medical conditions that affect driving skills as well.
  • ZIP code – Areas with high rates of theft and a lot of traffic will see higher rates due to more claims being filed in those areas.
  • Vehicle – Expensive vehicles cost more to repair or replace, so rates will be higher to offset costs.
  • Credit Score – Drivers with a low credit score are more likely to file a claim and be unable to pay for damages themselves.

While you can’t do anything about your age, you can move to a cheaper ZIP code, buy a cheaper vehicle, and improve your credit score to lower your car insurance rates.

You can also take advantage of car insurance discounts to lower rates. Most companies offer many different types of discounts, so there’s sure to be a few that can save you money.

Car Insurance Companies That Rate Drivers Individually: The Bottom Line

Car insurance companies that don’t rate drivers individually aren’t available because your personal information determines your rates.

Although you can combine car insurance policies if you are in the same household, it’s not always a good idea. If one of you has a bad driving record, it can increase rates for all drivers.

Shop around to find cheap rates from car insurance companies that rate drivers individually. Compare multiple companies since each one will offer different rates.

Enter your ZIP code now to compare quotes from auto insurance companies that rate drivers individually for free today.

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

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