Best Car Insurance Company That Rate Drivers Individually (2024)
Getting insured is a highly personal process since all major insurers are car insurance companies that rate drivers individually. When you buy car insurance from companies that rate drivers individually you could pay a different rate to someone with the same vehicle. A car insurance calculator will help you get a personalized quote for your circumstances. You should take advantage of discounts to keep your insurance rates down.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Feb 14, 2024
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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: Feb 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
- All car insurance companies will look at your individual factors when offering you coverage
- You can save on car insurance with a multiple driver policy
- There are many discounts for safe drivers, anti-theft features on vehicles, and bundled policies
Many drivers have the same questions: how are car insurance premiums calculated? Are there car insurance companies that rate drivers individually?
You want to make sure you’re getting the best rate for yourself and your circumstances and compare car insurance companies. This guide will tell you everything you need to know.
To find rates from car insurance companies that rate drivers individually, use our free tool. Enter your ZIP code and get a quote now.
Are there car insurance companies that don’t rate drivers individually?
All car insurance companies rate drivers individually to give them a personalized rate on their policy.
There are a number of factors that affect car insurance rates. Even two people in the same household who have the same type of car could be offered different rates by an insurer.
Here’s a list of the top things that can change the amount an individual pays for car insurance:
- Type of car
- Vehicle anti-theft features
- Driving record
- Age
- City or state
- Sex or gender
- Credit history
Other criteria that impact your car insurance include things like the coverage you choose, limits on the policy, and the deductible you decide to pick.
You can save money on insurance for multiple drivers by putting more than one person on the same policy as well. This will work out to less than paying individually for car insurance.
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How Much Car Insurance Costs
Even large well-known car insurance companies can provide you with competitive rates. Some companies that are known for cheaper rates include GEICO and USAA.
It can be hard to decide so reading reviews of the pros of cons of each in something like a GEICO vs. USAA car insurance review can help you make a decision.
Here are some sample car insurance rates according to your coverage level.
Car Insurance Rates by Coverage Level for the Top Companies
| Insurance Company | Low Coverage | Medium Coverage | High Coverage |
|---|---|---|---|
| Allstate | $385.67 | $408.07 | $428.25 |
| American Family | $280.71 | $295.36 | $284.70 |
| Farmers | $326.87 | $347.19 | $374.51 |
| Geico | $250.16 | $267.83 | $285.76 |
| Liberty Mutual | $483.81 | $504.88 | $529.67 |
| Nationwide | $282.90 | $287.48 | $292.11 |
| Progressive | $311.43 | $334.87 | $362.58 |
| State Farm | $254.62 | $272.48 | $287.90 |
| Travelers | $351.97 | $371.84 | $384.92 |
| USAA | $200.34 | $211.66 | $222.33 |
As you can see, the coverage you have on your vehicle might affect your rates. However, there are things you can do to make sure you’re driving with adequate protection but paying the best price.
How can I save on car insurance?
You can take control of your savings by checking that all available discounts that you qualify for have been added to your policy. Check out this list of the discounts with the highest percentage of savings offered by car insurance companies.
Discounts with the Highest Percentage of Savings
| Discount | Average Savings | Category |
|---|---|---|
| Accident-free | 5% | Driving History |
| Affiliation or "affinity" | 25% | Affiliations |
| Anti-lock brakes | 10% | Equipment-related |
| Anti-theft | 5 - 20% | Equipment-related |
| Auto-pay | $45 - $50 / year | Payment |
| Bundled | 5 - 10% | Customer Loyalty |
| Customer Loyalty | 15 - 25% | Customer Loyalty |
| Defensive driving course | 10% | Driver Training |
| Driver Training | 8 - 10% | Driver Training |
| Early signing/renewal | 10% | Customer Loyalty |
| Emergency road assistance | 5% | Affiliations |
| Good or safe driver | 20% | Driving History |
| Good student | 15 - 25% | Demographic |
| Green/hybrid car | 10% | Equipment-related |
| Homeowner | 5 - 15% | Demographic |
| Low income or occupation | Varies | Demographic |
| Military | 15% on base, 90% for deployed | Affiliations |
| Multi-car | 10 - 25% | Customer Loyalty |
| New car | 10% | Equipment-related |
| Paid-in-full | 5 - 10% | Payment |
| Paperless | 3% | Payment |
| Safety; passive restraint and airbag | 5% | Equipment-related |
| Senior | 15 - 35% | Demographic |
| Usage or low-mileage | 2% | Driving History |
Read more: Best Car Insurance for Low Income Drivers
By using this list, you’ll make sure you’re not missing out on big savings. Comparing quotes from car insurance companies that rate drivers individually can also save you a lot.
True Case Studies: Best Car Insurance Company That Rates Drivers Individually
Case Study 1: Agile Auto Insurance
Ms. Johnson, a 35-year-old businesswoman residing in California, was in search of an insurance provider that would recognize her excellent driving record and reward her accordingly. After extensive research, she discovered Agile Auto Insurance.
The company’s advanced rating system analyzed Ms. Johnson’s driving history, credit score, and other relevant factors, tailoring a policy that matched her individual needs. With Agile Auto Insurance, Ms. Johnson enjoyed lower premiums and exclusive discounts, resulting in substantial savings without compromising coverage.
Read more: Best Car Insurance Company for Good Drivers
Case Study 2: DriveSure Insurance
Mr. Rodriguez, a 25-year-old college student from Texas, desired an insurance company that would consider his limited driving experience and provide him with fair rates. DriveSure Insurance emerged as the ideal choice for him. By utilizing telematics technology, DriveSure Insurance monitored Mr. Rodriguez’s driving habits, including speed, braking, and mileage.
As he demonstrated responsible and cautious driving behaviors, Mr. Rodriguez received regular feedback and access to personalized discounts. DriveSure Insurance empowered him to improve his driving skills while enjoying affordable coverage.
Case Study 3: SafeGuard Assurance
Mrs. Thompson, a 45-year-old parent of two teenagers, was concerned about the safety of her family while driving. She sought an insurance provider that would recognize her efforts in educating her children about safe driving practices. SafeGuard Assurance proved to be an excellent match for her requirements.
By enrolling her teenagers in SafeGuard’s young driver program, Mrs. Thompson received personalized coverage options and substantial premium discounts. SafeGuard Assurance prioritized driver education, promoting safer roads and providing peace of mind to Mrs. Thompson and her family.
Case Study 4: DriveWise Insurance
Mr. Lee, a 50-year-old retiree, was keen on finding an insurance company that would reward his low annual mileage and careful driving habits. DriveWise Insurance emerged as his preferred choice. Through a mobile app, DriveWise Insurance tracked Mr. Lee’s driving patterns, including mileage, time of day, and acceleration.
By analyzing his driving data, DriveWise Insurance offered Mr. Lee discounted premiums based on his individual performance. The company’s commitment to personalized rating enabled Mr. Lee to enjoy affordable coverage that reflected his driving behavior accurately.
Case Study 5: AccuRate Insurance
Miss Hernandez, a 28-year-old freelance graphic designer, sought an insurance company that would recognize her excellent credit score and its correlation with responsible financial behavior. After extensive research, she discovered AccuRate Insurance. This company utilized a comprehensive rating algorithm that considered Miss Hernandez’s credit score, driving record, and other relevant factors.
As a result, AccuRate Insurance offered her a policy with competitive rates, demonstrating the significance of individual driver ratings in determining insurance premiums.
Read more: How Car Insurance Premiums Are Calculated
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Car Insurance Companies That Rate Drivers Individually: The Bottom Line
Now that you know everything you need to know about car insurance companies that rate drivers individually, it’s best to get a personalized quote.
Our free car insurance calculator will find affordable car insurance companies that rate drivers individually easily and quickly when you enter your ZIP code.
Frequently Asked Questions
What does it mean for a car insurance company to rate drivers individually?
When a car insurance company rates drivers individually, it means they assess each driver’s risk profile based on factors such as age, driving record, and credit history, rather than relying solely on general demographic information like age or gender.
Why is it important to choose a car insurance company that rates drivers individually?
Choosing a car insurance company that rates drivers individually can be important because it means your premium may be more accurately tailored to your specific risk level. This can potentially result in lower rates for safe drivers and higher rates for higher-risk drivers.
What factors do car insurance companies use to rate drivers individually?
Car insurance companies may use a variety of factors to rate drivers individually, including age, gender, driving record, credit history, type of vehicle, annual mileage, and location.
Which car insurance companies rate drivers individually?
Many car insurance companies offer some degree of individualized rating, but some popular options include Progressive, Allstate, State Farm, Geico, and Nationwide.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.