Best Car Insurance Companies for Families

Families with multiple drivers can save on car insurance by finding hidden discounts for (1) multiple vehicles, (2) good grades, and (3) bundling policies.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 28, 2020

Advertiser Disclosure

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...

  • Many families try to find a good deal on car insurance premiums
  • The best way for a family to save money on car insurance is to compare multiple car insurance providers
  • When shopping for car insurance, make sure you ask to see if you qualify for a variety of discounts

One of the main concerns for most families is the household budget. Since the well-being of many people is determined by the income of one to two people, a budget is a very important thing.

Most families make it a point to find the lowest car insurance rate possible since saving money is so important.

After choosing the car insurance company with which they want to have a policy, they can research the company further at websites like that of A.M. Best Company.

Use the FREE online car insurance comparison tool today by just typing in your ZIP above!

How can you find family-friendly car insurance?

When shopping for car insurance, a person with a family should look for certain car insurance discounts including:

  • Multi-car discount – insuring more than one car on their insurance policy can save a family up to 20 percent on their car insurance premium
  • Multi-line discount – a family may qualify for a car insurance discount if they get their home insurance through the same insurance provider
  • Driver training course discount – make sure that any teenager in the family takes a driver training course to be eligible for this discount
  • Good student discount – a student that has a 2.0-gradepoint average or higher can qualify for a 10 to 15 percent discount
  • Good driver discount – car insurance providers look at the parents’ driving history to see if they have multiple accidents or tickets

The multi-car discount and driver training course discount is a great choice for a family that has teenage drivers in the family.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

How does a family’s car affect their car insurance rates?

Another great way a family can save on their car insurance is by driving a safe car.

When choosing a car for a family, it is very important to look at the car’s safety features and crash test ratings.

Most carmakers conduct their own crash tests, but there are also two very well-respected independent agencies that issue safety ratings for all of the vehicles available in the United States.

The Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration are organizations that conduct the safety of a car if it is hit from behind, on its side, or is rolled over as well as a front-end collision crash test

There are more safety features being put into cars today than ever before. Today, all cars have seat belts and most states require people to wear seat belts at all times.

Most new cars today also have special seat belts that are designed specifically for child car seats. Airbags are probably the safety feature that has seen the most improvement in the past few decades.

When airbags first became popular, they were only located on the driver’s side of the car. Today, there are passenger-side airbags and side airbags located in the doors.

Why is shopping around for car insurance so important?

The most important way a family can make sure they are saving the most on car insurance is by periodically getting quotes from other companies.

Staying with the same company just because that is the company they are familiar with can often cost a family more in car insurance.

Compare car insurance rates by entering your ZIP below!

References:

  1. http://money.usnews.com/money/personal-finance/articles/2014/06/03/a-guide-to-creating-your-ideal-household-budget
  2. https://www.ambest.com
  3. https://www.nationwide.com/family-plan.jsp
  4. https://www.iihs.org
  5. https://www.nhtsa.gov

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State