Cheap Car Insurance for Good Drivers
USAA offers the lowest average rates for good drivers, but is open to only military members, veterans and their families. If you’re not eligible for USAA, Erie, Geico and State Farm had the cheapest car insurance rates for good drives in our analysis. Erie is a regional insurer that serves 12 states.
Cheap Car Insurance for Drivers with a Speeding Ticket
A speeding ticket will mean an insurance increase of about 11%, based on nationwide averages. Our analysis found the cheapest car insurance from Erie, Geico and State Farm, with USAA a top choice for people with a military affiliation.
Cheap Car Insurance for Drivers Who Have Caused an Accident with Injury
Expect your car insurance rates to go up at renewal time if you have caused an accident that injured someone else. Nationally, the average rate goes up about $950 compared to a driver with a clean record.
USAA offers good rates to military members and veterans. For other drivers, State Farm and Erie had cheap car insurance in our analysis.
Cheap Car Insurance for Drivers with a DUI
Among the likely consequences after a DUI conviction is a higher auto insurance rate. Car insurance companies usually pull motor vehicle records before your policy renewal time to check for tickets and convictions, and then apply increases based on your record.
A DUI conviction leads to an average increase of more than $1,000 a year. Even with a DUI conviction you can shop around for cheap car insurance. State Farm, Erie and Travelers had the best rates in our analysis, with USAA another possible good option for military members and veterans who qualify.
Cheap Car Insurance for Drivers with Poor Credit
Having poor credit can be one of the biggest hurdles to getting cheap car insurance—even if you have a great driving record. Poor credit can cause higher auto insurance rates than even having a DUI or at-fault accident on your record.
Average rates go up more than 80% for drivers with poor credit compared to those with good credit.
With potentially exorbitant rates it’s especially important to shop around. Geico, Nationwide and Travelers had the best rates among the companies we analyzed, with USAA a good bet for military members and veterans.
Cheap Car Insurance for Drivers Caught Without Insurance
Average car insurance rates go up about $200 a year if you were caught driving uninsured. If you have a gap in your car insurance record, expect higher rates when you buy a policy, but you can still shop around for a good deal.
In our analysis Erie, Geico and State Farm offer cheap car insurance for drivers who were caught without insurance. Those who qualify for USAA insurance should check quotes from them.
