The ultimate providers of online auto coverage
As one of the leading insurers in the nation, Progressive comes out on top for online auto insurance. Its easy-to-use online services will help you find massive discounts and manage your policy, with many types of coverage available.
With a convenient user interface, GEICO makes purchasing auto insurance online simple with access to standard and specialized coverage options at affordable costs.
No matter what you are looking for in an automobile insurance provider, intuitive online tools will save you time and money with just a few clicks. However, not all online services are created equal. Our recommended providers are a cut above the rest when it comes to digitally managing policies and claims.
Here is a quick list of the top automobile insurance providers online. We compare them in the table, and go into more detail for each pick.
Best Overall: Progressive
Best Discounts: Geico
Best Mobile App: Esurance
Best Rates: USAA
Best Quoting Process: State Farm
|Provider||Awarded||IOS app rating (out of 5)||Android app rating (out of 5)||Does it provide quotes online?||Can you buy insurance online?||Review|
|#1. Progressive||Overall||4.7||4.6||Yes||Yes||Progressive review|
|#2. GEICO||Discounts||4.8||4.7||Yes||Yes||GEICO review|
|#3. Esurance||Mobile app||4.8||4.5||Yes||Yes||Esurance review|
|#4. USAA||Rates||4.8||4.3||Yes||Yes||USAA review|
|#5. State Farm||Quotes||4.8||4.7||Yes||No||State Farm review|
Progressive, which provides coverage nationwide, is the best in any state when it comes to online auto insurance. You can shop according to your budget, as well as customize your coverage, with access to its Name Your Price Tool.
Get rewarded for safe driving with Progressive’s Snapshot discount. Plug the Snapshot device into your car’s diagnostic port or download the mobile app to track your driving habits to earn discounts. Either device will track mileage, braking habits, and the time of day while creating a safe driving report that will translate into discounts on your premiums.
People who participate save $47 by signing up and another $156 once they’ve completed the program. Additionally, you can start the program at any time during your policy.
If you’re looking for a new insurance company, we obtained a quote in just four minutes with Progressive. On the company’s website, we used the auto quote explorer to compare quotes from different insurers to view the lowest rate.
With over $700 in average savings for new customers who switch, it pays to get a quick quote with Progressive. If you have complex coverage needs, you can connect with a virtual assistant who will guide you through your options to meet your budget.
Bundling discounts are premium reductions for purchasing more than one policy through the same provider. If you have more than one vehicle to cover, Progressive offers options whether you’re on the road, on the water, or in the snow. The company provides insurance for these vehicles:
GEICO sets itself apart from competitors when it comes to mobile apps and online policies. With over a century of insurance experience, GEICO has adapted to the online market by crafting seamless claim management and quote tools for its users.
|Airbags||23%||Your vehicle is equipped with airbags.|
|Anti-lock brakes||5%||Your vehicle has a factory-installed anti-lock braking system.|
|Anti-theft system||23%||Your vehicle has a built-in anti-theft system.|
|Daytime running lights||3%||Your vehicle is equipped with daytime running lights.|
|New vehicle||15%||Your vehicle is 3 model years old, or newer.|
|Good driver||22%||You’ve been accident-free for 5 years.|
|Seat belt use||Varies||You and your passengers always wear seat belts.|
|Defensive driving||Varies||You’ve completed a defensive driving course.|
|Driver’s education course||Varies||A young driver in your family has completed a driver’s education course.|
|Good student||15%||You or your child are a full-time student with a good academic record.|
|Emergency deployment||25%||You’re part of an emergency deployment to an imminent danger zone.|
|Federal employee||12%||You’re an active or retired federal employee.|
|Affiliate member or employee||Varies||You belong to an affiliate group, such as the American Public Health Association or the American Kennel Club.|
|Military||15%||You’re active duty, retired from the military, or a member of the National Guard or Reserves.|
|Multivehicle||25%||You insure more than one car with GEICO.|
|Multipolicy||Varies||You insure your car and have a homeowners or renters policy with GEICO.2|
Accident forgiveness prevents rates from rising after a driver’s first at-fault accident. This coverage will help drivers save on premiums and keep good driver discounts. Drivers can purchase accident forgiveness as supplemental coverage or get it for free after five years with GEICO. However, GEICO’s accident forgiveness is not available in these states:
An insurance company’s financial health matters because it needs stable finances to pay out your claims. GEICO has an A++ rating from AM Best — the highest a company can receive to indicate their ability to fulfill financial obligations.
Esurance, an Allstate-owned company, boasts a straightforward interface to make your experience painless when comparing quotes and managing claims online.
For those who want to communicate with their insurer via app, Esurance offers an easy-to-use mobile experience. On the Esurance mobile app you can …
Founded in 1999, Esurance became one of the first companies to sell insurance policies over the internet. Esurance has more than two decades’ experience as an online-only insurer, which allows it to tailor the customer experience and policy management tools to online usage. This expertise is a huge benefit if you’re searching for online auto coverage because it offers simple, easy-to-use websites and virtual account assistants.
Roadside assistance is free with comprehensive and collision coverage. Esurance’s roadside assistance has a $75 benefit cap per accident, up to three accidents per year. After you’ve reached the limit, you will be responsible for paying any remaining out-of-pocket expenses.
The following emergency services are included with Esurance’s roadside assistance:
You can request towing or labor services and track your aid in the app.
The United Services Automobile Association — or USAA — offers some of the lowest premiums for all eligible driver profiles, including …
USAA received a 909 out of 1,000 customer satisfaction rating from J.D. Power, the highest rate of any insurance firm. Even with online insurance, it’s nice to know that you’ll have actual humans helping you every step of the way.
Here are some of the advantages USAA customers will have access to:
USAA offers an additional 10 percent discount on your annual rate when you bundle auto and home or renters insurance. Whether it’s fire, theft, or weather damage, USAA’s bundled insurance will cover your personal belongings and protect your assets. If you purchase auto insurance with homeowners or renters insurance, the company will automatically apply the multipolicy discount
If you’re searching for a personalized policy experience online, State Farm is the perfect insurer for you. State Farm offers virtual chats and effortless policy management tools to simplify your online hunt for car insurance.
State Farm’s online account management makes it easy to update your account from anywhere at any time. Get 24/7 access to all your State Farm products with a single login on its website or mobile app. All you need to create an account is your phone number, date of birth, and email. Once you sign up you can file a claim, pay your insurance bill, or get roadside assistance.
With instant free quotes, you can customize your coverage to see how different options impact your rates. State Farm’s online quotes will give you insight on bundling options and possible savings by switching.
Get instant quotes on State Farm’s website for, or a combination of, these policies:
Beginning to drive can be exciting — and expensive. State Farm offers savings of up to 25 percent to lower the cost of insuring your teen. You can add your teen driver to your policy online or in the State Farm mobile app. State Farm offers the following additional discounts.
Our aim is to find customers the cheapest rates for the most trustworthy coverage. For our recommendations of the best providers for online auto insurance, we use a three-pronged approach:
Yes. There will not be a difference in discounts and coverages when purchasing over the phone, online, or in person. Almost all major auto insurance companies offer basic coverages like liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorist coverage. Specialized coverages and discounts online will depend on a company’s offerings. Most companies will offer similar options, like gap coverage or safe driving discounts, but discounts will vary.
According to the National Association of Insurance Commissioners, the average annual cost of auto insurance is $1,070. Generally, shopping online is the cheapest option for buying auto insurance because of fewer markups and agent fees. While some providers also offer discounts for signing up online, they calculate rates on a case-by-case basis.
Here are some factors that will influence auto insurance rates:
Typically, buying car insurance over the phone will be cheaper, simpler, and quicker when you use AutoInsurance.com to match you with your perfect policy. Speaking with an agent over the phone can be helpful during the buying process, as we’ll give you recommendations on the best coverage and find discounts you may not know about. Finding the best car insurance requires comparing rates from multiple companies, whether you’re shopping online or over the phone.
Yes, you can buy insurance completely online but not with all providers. Many insurers — such as Progressive and GEICO — have services that allow you to complete the entire purchasing process online, but some companies may require that you contact an agent before purchasing.
Explore all products. Progressive. (2022).
Car Insurance Discounts – Savings on Auto Insurance. Geico. (2022).
Always on the go? Go Esurance Mobile!. Esurance. (2022).
Why Join USAA?. USAA. (2022).