Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Liberty Mutual has been in business since 1912
  • Progressive specializes in auto, homeowners, renters, and boat insurance
  • Founded in 1894, Ameriprise is the largest financial planning company in the nation

Now more than ever, consumers want the cheapest auto insurance costs they can find. However, there are many factors that go into your personal insurance costs, like age, gender, marital status, credit score, driving record, where you live, and what car you drive. When researching, the same set of parameters were used to compare online quotes and find out what the cheapest car insurance company is.

Auto insurance companies range from industry giants with millions of customers to smaller hometown agencies. Prices will vary from one insurer to the next, even with companies of similar size.

While most people prefer to purchase their auto insurance policies from renowned companies, there are many local insurers offering coverage at affordable rates.

Choosing the best auto insurance provider to suit your personal needs will require time and effort when you are conducting your search. Each person can have very different results when obtaining online quotes due to their specific data and which insurance discounts they may qualify for.

Below you can find a list of several companies where we found the most affordable online quotes for car insurance.

Enter your zip code in our car insurance comparison tool above to you will receive multiple car insurance quotes for FREE.

Liberty Mutual

Liberty Mutual has been in business since 1912. The company sells competitively priced insurance products and services for individual and business customers.

This car insurance provider has received an “A” rating from A.M. Best, an “A2” rating from Moody’s, and an “A-” from Standard & Poor’s.

In addition to personal auto insurance, Liberty Mutual provides home and life insurance.

Drivers can choose from several types of auto insurance coverage, including:

  • Personal injury protection coverage
  • Liability coverage
  • Collision and comprehensive coverage
  • Unlimited rental coverage
  • Better car replacement coverage

The company’s website features a rate calculator and auto insurance tools. Customers can apply for a multi-policy discount, good student discounts, and exclusive group savings.

Liberty Mutual offers low-cost policies for teenagers and seniors. We have more information on Liberty Mutual.

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This leading auto insurance company was founded in 1937. Progressive specializes in auto, homeowners, renters, and boat insurance.

Customers can also buy life and health insurance at competitive rates.

The main types of auto coverage include:

  • Comprehensive and collision insurance
  • Medical payments insurance
  • Liability insurance

Progressive also sells pet injury coverage and loan/lease payoff coverage. When you get a Progressive quote, you can apply for any of the insurance discounts that are being offered.

Drivers who remain accident-free for three consecutive years are eligible for accident forgiveness. If you buy car insurance online, you will save $50 on coverage.

The company also offers multi-vehicle discounts, low mileage discounts, good student discounts, and loyalty rewards.

Read our review on Progressive for more detailed information on Progressive.

State Auto

Established in 1921, State Auto is an independent company that sells personal and business insurance policies. With over 2,000 associates and 3,000 independent agencies,

State Auto is an industry leading insurance provider. The company is rated “A” (Excellent) by the A.M. Best.

Its line of products includes auto, farm, homeowners, and umbrella insurance.

Business customers can purchase workers’ compensation insurance, commercial auto insurance, and property insurance.

State Auto offers different types of auto coverage such as medical payments insurance, liability insurance, physical damage, and uninsured/underinsured motorist protection insurance.

Customers over 45 years of age who insure both their homes and their cars with State Auto are eligible for substantial discounts, offering great way to get even cheaper car insurance.

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Erie Insurance

Erie Insurance is a multi-line insurance company founded in 1925. This independent agency provides home, auto, life, and business insurance.

The company has more than four million policyholders in 11 states and the District of Columbia. Erie Insurance is the 20th largest property/casualty insurance company in the nation.

This auto insurance provider offers over 30 extra car insurance policy features and flexible payment options.

Drivers can customize their policies to meet their individual needs.

They may qualify for multi-car discounts, young driver discounts, driver training discounts, and low mileage discounts.

Erin Insurance also offers senior driver discounts and college student discounts. The company has been rated “A+” by A.M. Best.

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Founded in 1894, Ameriprise is the largest financial planning company in the nation. Customers who purchase auto insurance from Ameriprise can save up to $514 on their policies.

The company specializes in home and auto insurance, annuities, and mutual funds. It also provides financial planning services.

Ameriprise has received an “A” rating from A.M. Best for financial strength and stability.

If you buy car insurance from Ameriprise, you will be able to pay your insurance premiums and manage your policy online. Customers have access to informative articles covering insurance basics and state law.

The company’s claims reporting service is available 24 hours a day, 365 days a year.

21st Century Insurance

21st Century Insurance has been offering superior coverage and service since 1958. The company has more than 25,000 employees serving 20 million customers nationwide.

Customers who want to insure their cars can purchase gap coverage, collision coverage, full glass coverage, and liability coverage.

21st Century Insurance also provides rental reimbursement coverage and medical payments coverage.

Drivers may be eligible for safe vehicle discounts, multi-car discounts, and claims-free renewal discounts.

Read our 21st Century Car insurance review for a better understanding of how this company works.

Finding a reliable insurance provider is not as difficult as it seems. Make sure the company you choose is licensed in your state.

The best way to find affordable car insurance is comparing car insurance quotes. Enter your zip code below and let us help you find the best car insurance for your needs.


  1. https://www.libertymutual.com/
  2. https://www.progressive.com/
  3. https://www.stateauto.com/
  4. https://www.erieinsurance.com/
  5. https://www.ameriprise.com/auto-home-insurance/aah/insurance-choices/auto/
  6. https://www.21st.com/