USAA policyholders who add a teen driver to their car insurance policy pay an average of only $1,293 per year for the teen’s coverage. The best car insurance companies for teen drivers are USAA and American Family. Rates reflect the average of rates for men and women between ages 60 and 80.īest car insurance company for teen drivers Best liability-only car insurance companies A liability-only car insurance policy does not include any additional coverage, like personal injury protection (PIP) or collision and comprehensive coverage.

Liability insurance is required in most states and pays for the other party’s injuries and property damage if you’re at fault for an accident. Each offers liability coverage below the national average and received the highest ratings in our analysis.Īuto-Owners has the cheapest liability-online coverage, with an average rate of $404 a year, though USAA only trails slightly behind with an average rate of $466 a year. The best car insurance for liability-only coverage is sold by Auto-Owners, USAA and Westfield. Best car insurance company for liability-only coverage It has the lowest number of consumer complaints among the insurers we analyzed, based on data from the National Association of Insurance Commissioners (NAIC) complaint index. The customer experience may be another reason to consider American Family. That means a $500 deductible can go down to $0 if you’re claim-free for five years. With the AmFam diminishing deductible, you get a $100 credit at the start of your policy (or $50 for 6-month policy terms), and every year you go claim-free your deductible decreases by $100, with a maximum credit of $500. AmFam also offers optional coverages and add-ons, such as accident forgiveness, new car replacement and a diminishing deductible. However, the insurer offers a slew of discounts to help drivers score lower rates. With an average annual rate of $2,176 per year for good drivers, AmFam isn’t the cheapest car insurance company in our analysis. The best car insurance company is American Family (AmFam), according to our analysis. Compare rates offered by participating partners

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