Cheapest Car Insurance Companies That Don’t Raise Their Rates (2022)
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UPDATED: Dec 7, 2021
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- Car insurance companies that don’t raise their rates are easy to be found, since your rates are likely only to increase if there’s a change in something you can control, such as your driving history, location, or vehicle
- Some car insurance companies may increase your rates at renewal time if they notice a new driving violation or a change in credit history
- Other factors that can affect your car insurance rates include your age, gender, marital status, location, and more
When you’re shopping for cheap car insurance, it may be daunting to see what you will have to pay every month. However, it may be encouraging to know that many car insurance companies are unlikely to raise your rates unless you give them a reason to.
Below, we’ve covered some car insurance companies that don’t raise their rates and how different factors can affect your car insurance rates over time.
Before you begin reading, enter your ZIP code into our free quote comparison tool above to find a car insurance company that doesn’t raise their rates near you.
Car Insurance Companies That Don’t Raise Their Rates
When you sign up for your car insurance policy, you are typically locking yourself into a rate that will be charged every month. However, you may also pay in advance for the first six months or one year.
If you pay monthly, it is unlikely that you will see an increase in your rates before your next policy renewal is due. It’s likely that if there’s a reason for one company to increase your rates, this will be true for all car insurance companies.
Car insurance companies that do raise their rates are likely only doing so because of some change to your driving history, credit history, location, or vehicle.
Some of the cheapest car insurance companies include USAA, State Farm, GEICO, and Progressive. Affordable car insurance for high-risk drivers may include American Family, State Farm, and USAA.
How much is car insurance?
First, let’s look at the average car insurance rates by coverage type:
|Company||Average Annual Rate for Low Coverage||Average Annual Rate for Medium Coverage||Average Annual Rate for High Coverage|
Next, let’s look at the average car insurance rates by driving history:
|Company||Average Annual Rates with Clean Record||Average Annual Rates with 1 Accident||Average Annual Rates with 1 DUI||Average Annual Rates with 1 Speeding Violation|
Finally, let’s look at the average car insurance rates by state:
|States||Average Monthly Full Coverage Rates|
|District of Columbia||$118|
Let’s explore a little bit more how these different factors can affect your car insurance rates.
What factors affect car insurance rates?
Many different factors can affect your car insurance rates, including your location, age, gender, marital status, vehicle, driving history, mileage, and credit history.
As mentioned above, it is unlikely that you will see a car insurance rate increase in the middle of your policy term. However, you may see a rate increase if you file a claim.
Your car insurance company is more likely to increase rates when your policy renewal is due. This is because the company may review your driver profile at this time, which means they may notice new driving violations or changes in credit history.
The most likely reason for a rate increase during your policy term is an increase in coverage or a change in address or vehicle.
If you are looking to buy car insurance, enter your ZIP code into our free quote comparison tool below to find affordable car insurance quotes from companies near you.
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