22 Step-by-Step Guides to Get a Car Insurance Quote Online

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 22, 2019

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

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.


Here's what you need to know...

  • Comparing car insurance quotes is the best way to find affordable coverage and a company you actually like
  • Requesting rates from multiple providers can be tedious, but we’ve compiled easy-to-follow guides for the best car insurance companies of 2018
  • You can save time and compare auto insurance quotes online with our site by using your zip code

If you’ve ever shopped for car insurance online, you know how exhausting it can be. Everyone wants to save money, but far too often, a lower premium means less coverage.

While you may have to cut corners and lower some limits to save big, you don’t need to sacrifice full car insurance coverage just to get a good deal.

Even if you’ve bought a policy before, it doesn’t hurt to get a new quote and see how much you could save. Our site can help you learn all about car insurance and teach you a few tricks to save money on your premiums.

The road to good coverage starts with research.

Learn about different types of coverage, how to pick an auto insurance company, and how auto insurance premiums are calculated. The latter will make it easier to understand why auto insurance companies need personal information to give you an accurate quote.

We’ve done a lot of the work for you and put together step-by-step quote guides from some of the highest-rated auto insurance companies as well as some smaller, independent providers.

22 Step-by-Step Quotes by Company

Take a look at the list below and find your favorite company. Click its name to be taken directly to its guide and get one step closer to your next policy.

#1 – Allstate

Allstate is one of America’s largest auto insurance providers. The company offers a suite of insurance products and plenty of options in the auto department. They help clients save money through a variety of discount opportunities like the Drivewise program.

With over 16 million households covered across the nation, Allstate is a great contestant for your next provider.

#2 – Progressive

With a client base of over 18 million people, Progressive is a great company to look at if reliability and reputation are at the top of your list when exploring companies.

A thorough Progressive review revealed that they actually fall behind their competitors in terms of discount opportunities, but their unique supplemental coverage plans and potential to save on insurance premiums in a big way if you’re not a frequent driver make them worth considering.

#3 – State Farm

State Farm has high claims satisfaction, strong ratings from agencies like A.M. Best, J.D. Powers, and the Better Business Bureau, and over 18,000 agents across the country. As America’s largest auto insurance provider, it makes sense to include them when you’re comparing quotes.

Combining comprehensive car insurance options with top-notch customer service, many choose State Farm because they have the financial security of a corporation and the hospitality of a local agency.

#4 – USAA

USAA offers auto insurance for military members, veterans, and their families. The company understands the challenges servicemembers and their loved ones can face when it comes to auto insurance coverage such as deployments and frequent moves.

While it’s true you can still save a lot on car insurance with military discounts, USAA rates and coverage options have been tailored specifically to suit the needs of America’s military men and women and their families.

#5 – Liberty Mutual

Liberty Mutual is America’s fourth largest property and casualty insurer. The car insurance coverage options are diverse enough to suit both new and experienced drivers with varying needs.

Whether it’s personal or business auto insurance, Liberty Mutual can provide a quote and propose a policy all from their site.

Another perk of Liberty Mutual is its ease of access; from their easy-to-navigate website, host of agents, and even a smartphone app, managing your account is always a breeze and cuts down a lot of the communication hassle people run into with their insurance providers.

#6 – Farmers

Starting only a year before the Great Depression, Farmers has stood the test of time and an unpredictable economy. From a single-room office in California to branches all across America, Farmers is proud of its humble beginnings.

The company’s strong urge to help people is evident not only in its community involvement but also the low auto insurance rates it offers.

#7 – Nationwide

As the commercial goes, Nationwide is on your side. As one of America’s leading auto insurance providers, Nationwide is a preferred choice for millions of customers and definitely worthy of a spot on your potentials list.

When you’re shopping for auto insurance, it helps to get an estimate from top companies like Nationwide to compare coverages and costs in order to strike the best deal.

#8 – Travelers

Another one of America’s largest insurance providers, Travelers has an extensive offering of insurance products ranging from auto and home to live and property coverage. Save money by bundling your policies or qualifying for one of the many auto insurance discounts the company offers.

#9 – American Family

American Family opened its doors in 1927 as the Farmers Mutual Automobile Insurance Company. The desire to provide low-cost auto coverage to farmers grew to all American drivers and families. Their products have grown to include home and life insurance, which brought along a lot of discount opportunities through bundling.

American Family sells its policies through over 3,000 independent agents located across the country.

#10 – Amica Mutual

Amica Mutual is a Rhode Island-based insurance company that has been operating since 1907, making it the oldest mutual auto insurance provider in the U.S.  Its parent organization is the Amica Mutual Group, and it has multiple subsidiaries that service a variety of locations.

One of the most interesting features of Amica Mutual car insurance is its dividend policies, which can save you up to 20 percent on your annual premium.

#11 – Auto-Owners

Since 1916, Auto-Owners has been providing quality auto insurance for its customers. While the company does offer other types of insurance, its specialty is in its name.  It currently offers coverage across 26 states.

Comprehensive, collision, body liability and other standard types of auto insurance are available, as well as some other types of coverage people may have trouble finding such as full glass coverage, non-owned automobile coverage, and loan/lease gap coverage.

#12 – AAA

Although it doesn’t offer full car insurance coverage, AAA is still considered a staple provider by many drivers. If your provider doesn’t offer roadside assistance or you’d like to cut costs and get more services and security, an AAA membership could be just what you need.

#13 – Erie Auto Insurance

For those who prefer to work with an agent rather than the internet, Erie is a good option. Currently, the company services 13 states predominately on the East Coast and in the Midwest.

One of the company’s best offerings is its lock-in policies. A “rate lock” keeps your car insurance costs the same even if you get into an accident or file a claim. The only time prices will change is when you add drivers or make changes to your policy.

#14 – The Hartford

For drivers over 50, Hartford Auto Insurance is a good consideration.

Being a senior driver poses unique needs, and The Hartford has plenty of options to customize your insurance policy. It is also the only auto and home insurance provider sponsored by AARP.

In addition to its low rates, Hartford offers supplemental and additional features for senior drivers such as RecoverCare, which covers the cost of home services after an accident.

#15 – 21st Century

21st Century is owned by Farmers Insurance Group of Companies. Although they’re based out of Delaware, they only offer car insurance coverage to residents of California and Hawaii.

If you need California or Hawaii state auto insurance, then getting a quote from 21st Century might help you find a happy medium between coverage and price.

Their website doesn’t offer a lot of educational value, so you will need to read up on your state’s requirements and understand auto insurance limits, terms, and policies before you buy.

#16 – Safeco

Safeco auto insurance reviews reveal that the company’s customer satisfaction is average or below in some instances, but it’s still secured a spot on NerdWallet’s Best Car Insurance Companies of 2018 list.

Safeco auto insurance includes the basic suite of coverage options as well as some more unique features such as diminishing deductible and new car replacement.

#17 – Esurance

Esurance is owned by Allstate, and the company has one of the most helpful websites we encountered during our research. Not only can you learn plenty about car insurance and their packages online, but you can get an extremely accurate personalized quote with their free Coverage Counselor.

#18 – Metromile

For those who are looking for pay-as-you-go car insurance, Metromile is a great option. The smartphone-based startup only charges its drivers for how far they drive each month, so you won’t spend hundreds of dollars paying for coverage you never use.

Check out our Metromile car insurance review to learn more about the company and how they work.

#19 – Root

Can you buy car insurance on your phone? You can with Root, a new company that rewards the best drivers with low rates.

We were thoroughly impressed by Root’s algorithm and modern approach to car insurance. Instead of filling out forms and requesting a quote based on arbitrary factors, Root makes you take a driving test and gives you a quote based on how well you drive.

Read our full review of Root car insurance to get the full scoop on how this app-based auto insurance works.

#20 – MAPFRE

Not a lot of information was readily available by MAPFRE, but we managed to do some thorough investigating and learn about the company. MAPFRE, a Spanish-based global insurance group, owns the MAPFRE headquarters in Webster, Massachusetts.

Formerly The Commercise Group, Inc., MAPFRE now services 10 states and insures drivers through independent agents.

#21 – The General

Finding affordable car insurance is tough, but it’s even harder when you require an SR-22 insurance or have an accident history, DUI/DWI, or bad credit working against you. Many people classified as high-risk drivers find themselves denied quote after quote and left with no options.

The General prides itself on offering insurance to high-risk drivers and helping those with records working against them to maintain affordable car insurance coverage.

#22 – Mercury Insurance

Mercury Insurance ranked 22 out of 23 on Nerdwwallet’s Best Car Insurance Companies list, mostly for their extensive homeowners insurance complaints.

The company’s largest presence is in California, though it insures 10 other states as well. Their auto insurance options are limited to just the basics, so if you require special coverage or want to really customize your auto insurance policy with add-ons, it’s best to look elsewhere.

However, Mercury does have roadside assistance and rental car coverage options, as well as policy bundling discounts, so you may still find a fit if the quote is right.

Comparing Quotes Just Got Easier

We hope that these guides help you explore new car insurance companies and expand your horizons when it comes to coverage.

It’s easy to settle for the bare bones, but your auto insurance is an investment, and you deserve to be fully covered and enjoy great discounts and benefits for what you pay.

Shopping for auto insurance is about weighing all your options both big and small, so we offer free quotes you can compare all in one spot.

Enter your zip code below and answer a few questions to get started and find your next car insurance policy today!

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