Best Car Insurance Company That Sells Online (2024)
The best car insurance companies that sell online are GEICO, American Family, and Nationwide. Auto insurance companies that don't sell online are often local-level companies. Under the right circumstances, you can secure insurance quotes that are $90 a month. Shop around and compare multiple car insurance companies the find the best rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Mar 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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.
On This Page
- You can get car insurance quotes from the best companies online
- Root and MetroMile are two car insurance companies that sell pay-per-mile insurance over the web
- Most local-level car insurance companies don’t sell policies over the internet
Are you searching for the best car insurance companies that sell online? Car insurance companies have added online sales to their arsenal to give potential customers a 24/7 window to purchase insurance coverage.
But how can you get cheap car insurance online? Don’t worry – our guide shows you how to get same-day car insurance and where you can get instant auto insurance with no down payment.
Also, we’ll compare car insurance for each state to show you how monthly rates vary for each area in the United States.
Once you learn everything about car insurance companies that sell online, use our free online quote tool to compare the best insurance companies near you.
Which car insurance companies sell coverage online?
Can I buy car insurance online? The top insurance firms in the United States enable purchasing auto insurance through the internet.
But which car insurance companies are the best in the nation? Let’s examine the A.M. Best ratings and average monthly rates of auto insurance companies with the highest market share in the United States.
Top Car Insurance Companies A.M. Best Ratings and Monthly Rates
| Car Insurance Companies | A.M. Best Ratings | Average Monthly Car Insurance Rates |
|---|---|---|
| Allstate | A+ (Superior) | $227 |
| American Family | A (Excellent) | $160 |
| Farmers | A (Excellent) | $206 |
| GEICO | A++ (Superior) | $128 |
| Liberty Mutual | A (Excellent) | $284 |
| Nationwide | A+ (Superior) | $163 |
| Progressive | A+ (Superior) | $202 |
| State Farm | A++ (Superior) | $168 |
| Travelers | A++ (Superior) | $205 |
| USAA | A++ (Superior) | $115 |
USAA is the cheapest car insurance company, but it’s only available for veterans and their immediate families.
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Therefore, GEICO, American Family, and Nationwide are the following companies with the most affordable auto insurance rates.
You could generate these rates online, but personal factors must line up with specific conditions.
Read more: How long does it typically take for Progressive to process a car insurance claim?
Can I buy same-day car insurance online?
The answer is yes. The internet has made purchasing auto insurance much more convenient.
You’ll need to enter your personal information into a few questionnaires before a quote is revealed.
Car insurance companies like Root Insurance and MetroMile allow you to buy pay-per-mile car insurance that activates the same day.
Try our free comparison tool and get the best insurance quotes from companies near you.
For more information about companies that don’t sell auto insurance online, continue reading.
Read more: Root Insurance Review & Complaints
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Where can I find the best car insurance companies that don’t sell online?
Small, local auto insurance companies may not provide quotes online. Some car insurance companies have private rates.
An agent representing the car insurance company or an independent broker usually gives these private quotes to you. (For more information, read our “What is the difference between a car insurance agent and a car insurance broker?“).
Today, insurance companies compete for an internet presence like any other innovative provider.
Finding an auto insurance company while you’re shopping for a vehicle can be challenging.
Read on to get answers to frequently asked questions about buying insurance online while getting a car.
Should I buy car insurance before I buy a vehicle?
It depends on your situation. However, you can speed up auto insurance coverage if you get a quote before purchasing a car.
Let’s say you’ve set your sights on a 2020 Toyota Corolla, and you want to get it insured before you buy it. You can start an instant car insurance quote and save your results.
When you’re about to purchase the vehicle, pull up your saved auto insurance quote on your phone or complete the information.
Contact the agent or your car insurance company’s customer service to finalize your instant quote. You won’t get a binder right away, but you’ll be listed as an insured driver in the company’s database.
What factors determine car insurance rates?
The most significant factors that determine auto insurance rates are driving record, credit history, the insurance company, age, and location.
Although your driving history and credit score are impactful factors, where you live is just as important.
According to the National Association of Insurance Commissioners (NAIC), full coverage car insurance is $90 a month on average. But those rates vary by state.
Let’s look at the monthly costs of each area in the United States.
Full Coverage vs. Liability-Only Coverage: Average Monthly Car Insurance by Company & Driving Record
| Companies | Full Coverage Car Insurance Rates with a Clean Driving Record | Full Coverage Car Insurance Rates Based with One Accident | Liability-Only Car Insurance Rates with a Clean Driving Record | Liability-Only Car Insurance Rates with One Accident |
|---|---|---|---|---|
| Allstate | $318 | $416 | $162 | $212 |
| American Family | $224 | $310 | $114 | $158 |
| Farmers | $288 | $377 | $147 | $192 |
| GEICO | $179 | $266 | $91 | $136 |
| Liberty Mutual | $398 | $517 | $203 | $264 |
| Nationwide | $229 | $283 | $117 | $144 |
| Progressive | $283 | $398 | $144 | $203 |
| State Farm | $235 | $283 | $120 | $144 |
| Travelers | $287 | $357 | $147 | $182 |
| USAA | $161 | $210 | $82 | $107 |
| Average | $260 | $342 | $133 | $174 |
Read more: Cheap Liability Car Insurance
Comparing car insurance rates is essential to finding the most affordable and reliable insurance coverage.
Insurance companies add more to the average because they consider other factors, such as deductibles, marital status, commute mileage, and coverage level.
Can I buy car insurance with no down payment?
It depends. Specific auto insurance companies allow you to buy insurance policies with no down payment. If you want to know how to lower your car insurance rates, you can deposit for a reduced monthly payment.
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How long does it take to get car insurance coverage online?
It can take less than 15 minutes to get an auto insurance quote online. But not all websites are created equal. GEICO, American Family, and Nationwide have websites that can handle thousands of quotes per day.
Some web pages move slower, adding more time to the 15-minute average it takes to get car insurance.
Buying car insurance online Monday through Friday during regular business hours (between 9:00 a.m. and 5:00 p.m.) is the fastest way to start insurance coverage.
You can get an insurance policy on Saturday and Sunday, but it may not show up as active until the following business day.
Read more:
- How long does it typically take for Nationwide to process a car insurance claim?
- How long does it take to get car insurance?
Case Studies: Best Car Insurance Company That Sells Online
Case Study 1: Mark’s Experience With GEICO
Mark was in search of an insurance company that sold car insurance online. After comparing different options, Mark decided to go with GEICO, one of the top-rated online insurance providers.
He found their online quote process quick and convenient, allowing him to get coverage without the need for lengthy phone calls or in-person visits. Mark was pleased with the competitive rates he received from GEICO and appreciated the ease of purchasing insurance online.
Read more: How long does it typically take for Geico to process a car insurance claim?
Case Study 2: Sarah’s Choice of American Family
Sarah was also looking for a car insurance company that offered online sales. She came across American Family, which had positive reviews and a user-friendly website. Sarah found the online quote process with American Family to be straightforward and was impressed with their competitive rates.
She appreciated the ability to compare different coverage options and customize her policy online. Ultimately, Sarah chose American Family as her insurance provider due to their online convenience and comprehensive coverage options.
Case Study 3: John’s Decision to Go with Nationwide
John wanted to purchase car insurance online and started exploring different options. After researching various companies, John decided to go with Nationwide. He found their website to be informative and easy to navigate, allowing him to get a quote quickly and efficiently.
John appreciated the range of coverage options offered by Nationwide and felt confident in their reputation as a reliable insurance provider. He was satisfied with the online purchasing process and felt that Nationwide met his needs for convenience and quality coverage.
Car Insurance Companies That Sell Online: The Bottom Line
Most auto insurance companies have instant quotes online. Online quotes make it exceptionally easy for potential customers to access car insurance much faster.
Now that you know about the top car insurance companies that sell online, enter your ZIP code in the free online quote tool below to compare insurance companies near you.
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Frequently Asked Questions
What are the benefits of buying car insurance online in 2023?
Buying car insurance online in 2023 offers several benefits, including convenience, speed, and the ability to compare quotes from multiple insurers. You can purchase coverage from the comfort of your own home, at any time of day or night, and can easily compare prices and coverage options from different providers.
What is the best car insurance company that sells online in 2023?
The best car insurance company that sells online in 2023 will depend on your personal circumstances and the level of coverage you require. Some of the top-rated online insurance providers in 2023 include Geico, Progressive, State Farm, Allstate, and Esurance. Be sure to compare quotes and read reviews to find the best provider for your needs.
How do I know if an online car insurance company is legitimate in 2023?
To ensure that an online car insurance company is legitimate in 2023, you should research the company’s history and reputation, read reviews from other customers, and check that the company is licensed to sell insurance in your state. You can also verify the company’s credentials with your state’s department of insurance.
What types of coverage can I purchase from an online car insurance company in 2023?
You can purchase a variety of coverage types from an online car insurance company in 2023, including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, and roadside assistance. You can also typically add on optional coverage for things like rental car reimbursement and glass repair or replacement.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.