1. States
  2. CheapestCarInsuranceCompaniesThatDon’tRaiseTheirRates(2022)

Cheapest Car Insurance Companies That Don’t Raise Their Rates (2022)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Dec 7, 2021

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 provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Key Takeaways

  • 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:

Average Annual Car Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
Get Your Rates Quote Now
Compare RatesStart Now →

Next, let’s look at the average car insurance rates by driving history:

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
Get Your Rates Quote Now
Compare RatesStart Now →

Finally, let’s look at the average car insurance rates by state:

Average Monthly Full Coverage Car Insurance Rates by State
StatesAverage Monthly Full Coverage Rates
Alabama$79
Alaska$90
Arizona$89
Arkansas$82
California$88
Colorado$91
Connecticut$102
Delaware$107
District of Columbia$118
Florida$113
Georgia$98
Hawaii$75
Idaho$62
Illinois$77
Indiana$67
Iowa$62
Kansas$76
Kentucky$83
Louisiana$128
Maine$62
Maryland$100
Massachusetts$98
Michigan$121
Minnesota$76
Mississippi$88
Missouri$79
Montana$77
Nebraska$74
Nevada$100
New Hampshire$70
New Jersey$119
New Mexico$84
New York$120
North Carolina$67
North Dakota$67
Ohio$69
Oklahoma$88
Oregon$81
Pennsylvania$85
Rhode Island$116
South Carolina$89
South Dakota$69
Tennessee$77
Texas$101
Utah$78
Vermont$68
Virginia$74
Washington$86
West Virginia$88
Wisconsin$65
Wyoming$75
Countrywide$90
Get Your Rates Quote Now
Compare RatesStart Now →

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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles