Cheap Car Insurance Companies for Drivers With a DUI | (2023)

Why You Can Trust Cheap Car Insurance Companies for Drivers With a DUI | (1)

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Written by J.J. Starr Edited by Quiana DardenReviewed by Amanda Clear

Updated January 12, 2023

Cheap Car Insurance Companies for Drivers With a DUI | (5)

Driving under the influence comes with significant costs: community service, $10,000 in fees and fines on average, social consequences, a suspended driver’s license, and increased car insurance premiums. Working through the fallout of a DUI conviction takes time, self-reflection, and support. But the good news is that you can recover fully from a DUI.

This article will cover how to get the best cheap car insurance with a DUI on your record. Plus, we’ll review how DUIs impact your insurance and share tips for getting a lower rate.

Key Takeaways:

  • Auto insurance rates for drivers with a DUI or DWI are significantly more expensive on average than those without one.
  • Several auto insurance companies are known for offering cheap DUI insurance, including Concord Group Insurance, American National Insurance Company, and American Family Insurance.
  • Drivers with a DUI can save on car insurance by using discounts, switching to a less expensive vehicle, and shopping around for rates.
  • Maintaining a clean driving record going forward is the best way to ensure your premium continues to decrease.

Cheap Car Insurance Companies for Drivers With a DUI

Auto insurance premiums can be steep when you have a DUI on your record. Thankfully, you can pay less with these affordable insurers. Below you’ll find the cheapest DUI car insurance providers.

Concord Group Insurance

Average Annual Premium: $1,146

  • Pros: Great customer service, highly-rated website and mobile app, lots of customization options
  • Cons: Only available in Maine, Massachusetts, Vermont, and New Hampshire

The Concord Group provides high-quality, low-cost policies to drivers in the Northeast. It uses the agent-based model, meaning you’ll be encouraged to work directly with an insurance agent to activate and manage your policy. Concord Group provides many options for customizing your insurance and the company has won several awards for their customer service team.

(Video) 6 Cheap DUI Car Insurance Mistakes High-Risk Drivers Make

American National Insurance Company

Average Annual Premium: $1,251

  • Pros: Available nationwide, offers many insurance products, few auto insurance customer complaints
  • Cons: More complaints for other insurance products (home and life)

American National offers customizable car insurance coverage, including gap insurance. You’ll also get flexible billing options and a top-notch customer service team. The company generally offers low rates, especially to drivers who bundle their insurance policies. However, their other insurance products do not receive the same praise as their auto insurance.

IMT Insurance

Average Annual Premium: $1,631

  • Pros: Great customer reviews, customizable home and auto policies (without higher prices), personalized service
  • Cons: Poor reviews for the mobile app, higher rates for drivers with at-fault accidents, only available in select Midwestern states

This Iowa-based company boasts high customer satisfaction ratings and low insurance premiums. IMT relies on a team of independent insurance agents to care for its customers. In practice, that leads to highly-personalized customer care. The company works with several subsidiaries to provide policies, so don’t be surprised if your policy has one listed on it.

On the downside, IMT Insurance is only available in Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin. Their mobile app is clunky and lacks user-centered design.

Western National Insurance Company

Average Annual Premium: $1,854

  • Pros: “Penalty-free” promise, lots of discount options, well rated by the BBB and A.M. Best
  • Cons: Limited availability, few options for customizing your policy

This regional insurer is well-known for offering affordable rates to drivers with or without a DUI. Western National offers many discount opportunities to help you pay even less. Their claims and customer service teams are easy to contact. And its “penalty-free” promise means the company won’t raise your rates after your first claim.

On the downside, Western National doesn’t offer many options for tailored policies. And as a regional insurer, they’re only available in a handful of states. Currently, you can purchase policies in Iowa, Minnesota, North Dakota, Oregon, South Dakota, Washington, and Wisconsin.

Compare Rates to Find the Cheapest Premium

CIG Insurance

Average Annual Premium: $1,884

  • Pros: Has an A+ rating from the BBB, offers several insurance products for bundling
  • Cons: Issues with the website and mobile app, limited coverage area

The Capital Insurance Group provides personalized service through its network of local agents. In addition to low rates, it offers steep discounts, especially when bundling insurance products. Bundling options include homeowners, renters, business and agricultural insurance policies

But, CIG operates in just five states— Arizona, California, Nevada, Oregon, and Washington. And, based on several customer reviews, the website and mobile app are glitchy.

American Family Insurance

Average Annual Premium: $1,902

  • Pros: Plenty of coverage options, bundling opportunities, and discount programs. Good claims satisfaction
  • Cons: Lower customer satisfaction score, limited availability

American Family Insurance offers extensive coverage options for auto, home, and other insurance products. The company also provides a highly rated website and mobile app, plus a stellar customer service team. It boasts one of the lowest NAIC complaint ratings in the country, which is impressive.

(Video) Car Insurance After DUI ★ How to Get the Best Auto Insurance for DUI

AmFam is an excellent option if you can get it. And that’s a big if, as it’s only available in 19 states clustered in and around the Midwest.

COUNTRY Financial

Average Annual Premium – $1,985

  • Pros: Rare coverage options and many bundling options
  • Cons: Limited availability

Here’s another regional insurer that offers affordable DUI insurance, but only in 19 states (and again, mainly in the Midwest!) But drivers can find significant savings and excellent customer service where it’s available. COUNTRY Financial offers specialized coverage options, like new car replacement and trip interruption coverage.

As an insurance company started by Farmers Insurance, COUNTRY offers insurance products (and bundling discounts) tailored to farmers via crop, farm, and ranch insurance.

West Bend Mutual Insurance

Average Annual Premium: $2,033

  • Pros: Unique discount programs, owned by policyholders, cash back savings for being claims free
  • Cons: Limited availability

With West Bend Mutual Insurance company, you can expect personalized customer service. You might also receive unique discounts, such as the generation discount that rewards you if your parents (or adult children) also have policies with the company. The company offers standard bundling discounts for purchasing its other (well-reviewed) insurance products.

However, West Bend Mutual only provides coverage in Illinois, Indiana, Iowa, Minnesota, and Wisconsin. But for those who can get it, they’re an excellent option.

Compare Rates to See if You Can Lower Your Insurance Premium

Cheap Car Insurance Companies by State for Drivers With a DUI

Where you live has a massive effect on your car insurance rates. Below you’ll find the most affordable auto insurer by state and the average rate they offer drivers with a DUI.

Quotes are based on a driver with a 2016 Honda Accord.

StateCarrierAvg. Cost
AKUmialik Insurance Company$1,303
ALCOUNTRY Financial$1,555
ARSouthern Farm Bureau Insurance$1,304
AZRoot Insurance$689
CAIntegon National Insurance Company$1,327
COAmerican National Insurance Company$1,278
CTState Farm$1,454
DCState Farm$1,885
DEAtlantic States Insurance Company$1,938
FLState Farm$2,409
GAState Farm$1,992
HIState Farm689
IAState Farm$806
IDAmerican National Insurance Company$831
ILState Farm$1,353
INIndiana Farmers Insurance$1,017
KSState Farm$1,352
KYState Farm$1,360
LALouisiana Farm Bureau Insurance$2,467
MAState Farm$1,051
MDErie Insurance$2,218
MEConcord Group Insurance$1,045
MNState Farm$1,433
MOState Farm$1,422
MSDirect Auto Insurance$1,307
MTState Farm$994
NCIntegon National Insurance Company$1,862
NDState Farm$1,196
NEEMC Insurance$895
NHConcord Group Insurance$1,255
NJNJM Insurance Group$1,812
NMState Farm$1,231
NVState Farm$1,480
NYChubb Insurance$4,193
OHState Farm$922
OKProgressive Insurance$1,764
ORState Farm$1,512
PAState Farm$1,729
RIState Farm$993
SCAmerican National Insurance Company$996
SDAmerican Family Insurance$1,326
TNProgressive Insurance$1,507
TXHouston General Insurance Exchange$1,770
UTACCC Insurance Company$1,325
VAState Farm$1,142
VTState Farm$962
WAState Farm$1,072
WIIntegrity Insurance$708
WVState Farm$1,040
WYState Farm$1,074

How do DUIs Affect Your Car Insurance?

A DUI can have long-standing effects on your car insurance policies. How you’ll be affected will be unique, but you can expect one or all of the following complications.

Rate Increases

The most obvious change after a DUI is your rate increase. Some drivers see their rates double, while others may experience moderate increases. Each depends on the driver, their car, the insurance company, and the coverage terms of the insurance policy.

Dropped Coverage

Sometimes, insurance companies cancel an insurance policy after a driver gets a DUI. They typically need to provide written notice 14 to 30 days before cancellation. That gives the driver some time to find another policy.

Alternatively, an insurance company may raise your rates during the remainder of your current policy.

(Video) Top 10 Car Insurers for Bad Driving 2023: Car Insurance Cheapest Price & More Benefits 🔶 RISK S2•E11

Then, at the end of your term, the insurer may issue a notice of non-renewal. It means the insurer isn’t offering you another policy. However, they may provide you with one in a few years. So, you’ll need to shop for insurance elsewhere.

Special Insurance Filing: SR-22, FR-22, and FR-19

In some states and for some drivers — especially those with multiple offenses — a judge may order them to file a proof of insurance document with the DMV, such as an FR-22, FR-19, SR-22 form, or a combination of the forms.

Your insurance company files your proof of insurance on your behalf. So, you’ll need to call your insurance company to set that up if you must submit one. If your insurer isn’t aware of the DUI, your proof of insurance filing will certainly tip them off. They may choose then to raise your rates or even cancel your policy.

How to Get the Cheapest Car Insurance After a DUI

Cheap Car Insurance Companies for Drivers With a DUI | (6)

There are a few critical steps you can take to reduce your car insurance costs after a DUI. Combine all or several of the following suggestions to further lower your premium.

Maintain a Clean Record

Even though a DUI is a significant mark on your driving record, not all is lost. Maintaining a clean record going forward is the fastest way to lower your rates overall. That means obeying the rules of the road. It may be helpful to take a defensive driving course to refresh your driving skills and (possibly) earn a discount from your provider.

Exhaust Your Discount Options

After a DUI is a great time to review your policy to ensure you’re receiving all of the discounts you qualify for.

You should also check out programs you can enroll in, especially telematics programs. Depending on the company, these discount programs can offer significant savings between 10 and 20 percent. They reward you based on your driving which is a great incentive to practice good driving habits.

Compare Car Insurance Rates

Comparison shopping remains one of the best ways to ensure you pay low premiums. You should compare quotes and policies from at least three insurers and make it a practice to compare often (at least every six months). You’ll find that insurance premiums change quickly and vary widely depending on the company.

Every insurance company has its own rules about how it deals with risk. For example, one company may penalize drivers for a DUI longer than another. So, today’s cheapest car insurance company may change tomorrow.

An easy way to compare rates quickly is to use our auto insurance comparison tool. We’ll compare rates from 65+ of the top insurance companies and provide you with a list of the cheapest options based on your personal information. It’s simple and, best of all, free to use. You’ll find it the easiest way to get affordable high-risk insurance now and in the future.

See How Much You Can Save on Your Auto Insurance

How Long Does a DUI Stay on Your Record?

On average, a DUI increases your car insurance rates for three to five years. But just because rates go down doesn’t mean the DUI falls off your driving record. In most places, a DUI on your history will bar you from receiving the Good Driver discount and other benefits for people with clean records.

(Video) Finding affordable Auto Insurance with a DUI

Each state has its own rules regarding driving records, so you should always consult your state laws for the most accurate information. Some states don’t specify how long a DUI remains on your record.

StateYears on Driving Record
ARNot Specified
GANot Specified
HINot Specified
IDNot Specified
INNot Specified
LANot Specified
MANot Specified
NDNot Specified
NHNot Specified
OHNot Specified
OKNot Specified
ORNot Specified
RINot Specified
SCNot Specified
SDNot Specified
VTNot Specified
WVNot Specified

FAQ About Cheap DUI Car Insurance

Which company has the cheapest DUI insurance?

According to our data, Concord Group Insurance, American National Insurance Company and IMT Insurance tend to offer the most affordable DUI insurance rates. But, there isn’t a one-size-fits-all cheapest company. Prices differ widely depending on where you live, the car you drive, your driving record, your auto coverage options, and several other factors. The best way to know which company will offer you the most affordable car insurance policy is to compare quotes from multiple insurers.

How much is insurance after a DUI?

The average driver with a DUI spends around $1,395 a year on car insurance. But costs range from state to state. You can expect your car insurance costs to increase anywhere from 75 to 100 percent after a DUI. That means a driver who previously paid $100 monthly for car insurance will now pay $175 to $200 for insurance.

Cheap Car Insurance Companies for Drivers With a DUI | (7)

J.J. Starr Insurance Writer

Cheap Car Insurance Companies for Drivers With a DUI | (8)

J.J. Starr is an insurance writer for who specializes in auto insurance and personal finance. She has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand. Prior to writing for, J.J was a registered banker and life insurance consultant. She holds a master's degree in writing from New York University and a bachelor's degree from Stephens College.

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About’s #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

(Video) Can I still get low cost auto insurance after a DUI?

  • All of’s content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of’s content is ever influenced by the companies and brands we partner with.
  •’s editorial team operates independently of any of the company’s partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
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Learn more about us, our team, and what makes us tick.


Which car insurance company has the lowest prices? ›

The Cheapest Car Insurance - March 2023. The cheapest car insurance companies include State Farm, Travelers and Geico, according to NerdWallet's analysis of average minimum coverage rates. Kayda Norman is a NerdWallet authority on auto insurance.

How long does a DUI stay on your record in NY for insurance? ›

A DUI conviction in New York is a criminal offense, and DWIs may stay on your record in the state for up to 15 years (more if vehicular homicide is involved). This is why drivers with DWI convictions may be considered high-risk drivers by insurance companies.

Is the Zebra insurance legit? ›

The Zebra is accredited by the Better Business Bureau and holds an A rating. Previous customer complaints have included calls after getting a quote. Unlike some other comparison sites, The Zebra is not a lead-generation website for insurance companies and they do not sell consumers' personal information.

What is Otto insurance? ›

Otto insurance is a lead-generation site connecting customers with its partner insurers. It's not an insurance company or marketplace, you can't get direct quotes, and it shares your information with over 1,000 third parties.

What are 10 easy ways to get cheap car insurance? ›

How to get cheap car insurance
  • Compare car insurance quotes. ...
  • Bundle your policies. ...
  • Raise your deductible. ...
  • Make sure you get all of the available discounts. ...
  • Compare insurance rates when you're car shopping. ...
  • Avoid tickets and accidents. ...
  • Drop coverage you don't need.
Mar 1, 2023

Which is cheaper Geico or Progressive? ›

Both Geico and Progressive offer lower average premiums on policies for drivers and homeowners, but if cost is your primary consideration, Geico has the edge. Its average rates tend to be lower than the average rates offered by Progressive, and the company's extensive discount list may help you save even more.

Does a DUI show up on a background check in NY? ›

Because a DUI is a serious offense, it does go on your record. This means that potential employers, landlords, and other individuals who perform background checks will be able to see that you've been convicted of a DUI.

Can you get a DUI off your record in New York? ›

In New York state, a conviction for DWI cannot be expunged. However, if you were acquitted or the case was dismissed, it might be possible to expunge the record. Our law firm focuses a significant amount of resources to protecting clients from the full force of the criminal justice system.

How long do you lose your license for DUI in NY? ›

The suspensions are as follows: First offense: License suspension of up to 90 days. Second offense: License suspension of up to 6 months. Third offense: License suspension of up to 6 months.

Who is Elephant insurance? ›

Elephant is a trading name of EUI Ltd, an Admiral Group plc company. Our offices are located at Ty Admiral, David Street, Cardiff, CF10 2EH (Company Number 2686904).

What is the most trusted insurance company? ›

  • USAA. 4.3. U.S. News Rating. USAA is the best insurance company in our ratings. ...
  • State Farm. 4.2. U.S. News Rating. ...
  • Farmers. 4.1. U.S. News Rating. ...
  • Nationwide. 4.1. U.S. News Rating. ...
  • Geico. 4.1. U.S. News Rating. ...
  • Allstate. 4.0. U.S. News Rating. ...
  • Travelers. 4.0. U.S. News Rating. ...
  • Progressive. 3.9. U.S. News Rating.
Feb 1, 2023

Is Elephant car insurance Real? ›

Elephant is a relatively new car insurance company. Launched in 2009, the company offers a range of coverage options, including standard coverages such as comprehensive and collision protection.

What is chime insurance? ›

Is Chime FDIC insured? All Chime accounts are FDIC insured up to the standard maximum of $250,000 per depositor, for each ownership category, in the event of a bank failure, through its partner banks, Stride Bank, N.A. (FDIC No. 4091) or The Bancorp Bank (FDIC No. 35444).

What is Asgard insurance? ›

Car Insurance

Asgard Insurance is a part of the Willis Group of risk management services. The Willis Group is the third largest insurance broker in the world, incorporating offices in 100 countries with a worldwide network of more than 17,000 associates.

What is Argonaut insurance? ›

Argonaut Insurance Company is an insurance company based in San Antonio, Texas. Established in 1957, the company primarily provides workers compensation insurance coverage for the construction and construction wrap-ups industry.

Are there ways to lower your car insurance? ›

To reduce car insurance costs, drivers need to maintain a clean driving record, sustain a high credit score and shop around for personalized quotes from at least three car insurance companies. These tasks could go a long way in finding and receiving lower costs on your car insurance.

Does credit score affect car insurance? ›

A higher credit score decreases your car insurance rate, often significantly, with almost every insurance company and in most states. Getting a quote, however, does not affect your credit.

Who is cheaper than State Farm? ›

Geico and Progressive are better than State Farm, based on factors like average premiums, number of discounts available, and customer service record. Geico is also one of five top-10 car insurance companies that are cheaper on average than State Farm, along with Travelers, USAA and Progressive.

Is Allstate cheaper than GEICO? ›

On average, GEICO offers more affordable rates than Allstate for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should consider GEICO, which typically beats Allstate by $679 per year. View common insurance rates by credit level for Allstate and GEICO below.

Who is cheaper than Progressive auto? ›

Compared to Progressive, Geico is the more affordable insurer for most types of drivers. For those seeking minimum coverage car insurance, the costs are nearly the same.

Do you lose your license immediately after a DUI in NY? ›

08% or more at the time of your arrest, then your license will be promptly suspended, probably at your arraignment. The arraignment is also the first opportunity you have to enter a plea in your case. If you plead guilty to the DWI, your license is suspended, but the suspension is stayed for 20 days.

Is a DUI a felony or misdemeanor in NY? ›

A first-time aggravated DWI in New York is still a misdemeanor, but your license can be revoked for a minimum of one year. Second and third offenses will be considered felonies and your license can be revoked for a minimum of 18 months.

Does drink and drive consider criminal history? ›

Yes, you will have a criminal record up to 10 years. It is of vital importance to appoint a specialist drunk driving attorney to ensure that your matter gets argued in such a manner that it will not lead to imprisonment and/or a criminal record.

How can I get my record expunged for free in New York? ›

You can ask the court to seal certain felony and misdemeanor convictions:
  1. If you have no more than 2 misdemeanors or no more than 1 felony and 1 misdemeanor conviction and have been crime-free for 10 years. Visit Sealed Records: After 10 years.
  2. If you have successfully completed a drug treatment program.
Oct 12, 2022

Can I go to Canada with a Dwai? ›

If you have a D.W.A.I. or driving while ability impaired violation on your record, crossing the Canadian border can result in you being denied entry. Canada has full access to American criminal and motor vehicle databases, and they can often see your DWAI arrest as soon as it happens.

How many years do it take for a DUI to be off your record in the state of Washington? ›

According to the Washington Department of Licensing, alcohol-related convictions will appear on your driving record for life (99 years). However, not just anyone can access your complete driving record, and state law places limits on how long an arrest or conviction can appear on a background check.

Can you refuse a breathalyzer in NYS? ›

Under New York State law, driving is considered a privilege and not a right. The courts have ruled that a person arrested on suspicion of drunk driving must submit to a formal breath test for blood alcohol content (BAC). If you refuse the Breathalyzer, you will face automatic and severe consequences.

How many points is a DUI in NY? ›

In the case of a DWI, however, the state of New York does not apply points against your driver's license. The penalties from a DWI conviction are far more serious than points against your license.

Do I need a lawyer for a DWI in NY? ›

If you have been charged with driving while intoxicated in the State of New York it is important that you consult with an experienced New York criminal defense attorney right away to evaluate your case and get started on your defense.

What is an umbrella insurance company? ›

Umbrella insurance coverage helps protect you from the costs of covered claims when those costs exceed the limits of your home insurance or auto insurance policies. An umbrella policy can help cover defense costs when you are being sued for damages to someone else's property or injuries caused to others in an accident.

Is Hippo real insurance? ›

Overall, Hippo is a good insurance company. It offers affordable rates, a convenient digital experience and free extra coverage options for things like appliances and sewer lines.

How much does it cost to save one elephant? ›

General care and feeding costs per elephant:

Care and feeding of one healthy elephant—approximately $75,000 annually. Care of an aged or unhealthy elephant can easily escalate to $100,000+ annually.

What's the best car insurance right now? ›

Best car insurance companies: Pros and cons
  • NJM: Best raw star rating score.
  • American Family: Best large insurer.
  • Nationwide: Best perks for loyal customers.
  • Progressive: Best for accident forgiveness.
  • Country Financial: Best for having few customer complaints.
  • Auto-Owners: Best for financial strength.

What insurance company typically has the best rates? ›

According to our analysis, USAA, Geico, and State Farm consistently offer some of the cheapest annual rates on average, including policies to fit specific needs, such as for a teenager or for a driver with a blemish on their driving record like a speeding ticket or traffic accident.

How do I choose a good insurance company? ›

How can you choose the best life insurance plan?
  1. Assess your life insurance goals. ...
  2. Calculate the optimal insurance cover that you need. ...
  3. Determine the amount you have to pay as the premium and find the policy offering the best deal. ...
  4. Select the correct policy term. ...
  5. Opt for a reputable life insurance provider.

Is elephant owned by Allstate? ›

Is Elephant Insurance owned by Allstate? No, Elephant Insurance isn't owned by Allstate. Elephant is based out of Richmond, Virginia, but it's owned by Admiral Group, which is a financial services company based out of Cardiff, Wales.

Why is supercar insurance so cheap? ›

They leverage their great driving record and credit history to lower the risk and secure better premiums. Most of them have other cars and high-value assets insured under the same umbrella policy, which adds further discounts to each individual vehicle. Most importantly, their supercars are not their daily driver cars.

Is SoFi or Chime better? ›

If you're looking for a more complex online bank with a wide range of services, SoFi is probably the right choice for you. If you only need standard banking services and appreciate a straightforward product, or if you are new to banking and finance, Chime might be a good fit.

What are the requirements for Chime? ›

You'll just need your name, date of birth, address, and social security number. Download the app. Log in on the mobile app or at to get started! You can connect your existing bank account to transfer funds or set up direct deposit.

How much is Chime monthly? ›

Banking shouldn't cost you money

We believe an online checking account with no monthly fees should be available to everyone. That's why Chime offers a checking account with no minimum balance fees and no monthly fees.

What is Claimin insurance? ›

An insurance claim is a formal request from the policyholder (that's you) to their insurance company asking for payment after a covered incident. These incidents can include anything covered by your insurance policy, like a hospital stay, a natural disaster, or theft.

What is DXC insurance? ›

DXC Assure, an integrated software solution, helps insurers worldwide support digitally savvy consumers and manage the dual agenda of building the new and tackling the legacy. Stay up to date. Subscribe to receive our latest insights.

What do Zurich insurance do? ›

Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 56,000 employees, it provides a wide range of property and casualty, life insurance products and services in more than 210 countries and territories.

What do Allianz insurance do? ›

Addressing the health and wellbeing protection needs of our clients worldwide, we offer international health, life and disability insurance, as well as a wide range of health and protection services to private individuals, families, organizations and partners.

What kind of insurance is RLI? ›

RLI is a U.S.-based specialty insurer that offers a diverse portfolio of property and casualty insurance coverages and surety bonds. Since 1965, we've been making a difference, shouldering risks in niche insurance markets that give our customers the security to create, explore, grow and prosper.

Who is Argo insurance? ›

Argo Group International Holdings is an international underwriter of specialty insurance products as well as reinsurance. In the P&C insurance market, Argo's products are distributed through a network of appointed and non-appointed agencies and brokers.

Why is Geico so cheap? ›

Geico is so cheap because it sells insurance directly to consumers and offers a lot of discounts. Direct-to-consumer insurance sales eliminate the cost of middlemen and allow Geico to have significantly fewer local offices and agents than companies like State Farm and Allstate.

How can I get a lower rate on my car insurance? ›

Here are some ways to save on car insurance1
  1. Increase your deductible.
  2. Check for discounts you qualify for.
  3. Compare auto insurance quotes.
  4. Maintain a good driving record.
  5. Participate in a safe driving program.
  6. Take a defensive driving course.
  7. Explore payment options.
  8. Improve your credit score.

Is USAA only for military? ›

Who can join? Our products and services are open to current and former military and their spouses. Children of USAA members can join, too.

What is the cheapest time to insurance a car? ›

According to our research, car insurance premiums start to go up within eight days of your current policy ending, and the sharpest rise comes around three days before. So as long as you buy before then you should avoid the big price hike reserved for those who leave it until the last minute.

Who is cheaper GEICO or Liberty Mutual? ›

A policy from Liberty Mutual costs 30% more than one from Geico, on average. In fact, Liberty Mutual is more expensive than many major insurers — a minimum-coverage policy costs 20% more than the national average.

Is Aflac better than GEICO? ›

Aflac scored higher in 10 areas: Overall Rating, Culture & Values, Diversity & Inclusion, Work-life balance, Senior Management, Compensation & Benefits, Career Opportunities, CEO Approval, Recommend to a friend and Positive Business Outlook.

Can you negotiate with GEICO? ›

The simple answer is that you cannot negotiate rates since prices and the insurance industry are heavily regulated by each state. The insurer cannot change its range of rates without a state review along with proof that the change is needed.

Which is a type of insurance to avoid? ›

Mortgage insurance. Avoid insurance that will pay off your mortgage if you die unless you're ineligible for term life insurance. Reason: Mortgage insurance coverage declines as you pay down your mortgage, yet the premium stays the same.

Can I ask my insurance company for a lower rate? ›

Auto insurance prices are non-negotiable, so you can't ask your car insurance company to lower your rates. However, there are several ways to find more affordable premiums. Compare quotes from multiple insurers. Although states regulate the cost of car insurance, different companies offer varying rates.

Who is not eligible for USAA insurance? ›

USAA insurance is only for military members' and veterans' direct family members. Anyone besides a current or former spouse and children will not be eligible for USAA insurance coverage.

What proof do you need to join USAA? ›

Please provide a copy of an acceptable military document and government-issued ID. Examples of acceptable military documents include DD214(long version), Discharge Certificate, Leave & Earnings Statement or military orders if you're actively serving. If you are in a Delayed Entry Program please provide your DD Form 4.

Is USAA really cheaper? ›

USAA Rates for Adult Drivers

Unsurprisingly, USAA takes first place for lowest average rates for both male and female adult drivers. The company's average rates are 45% lower than the national average.

At what age is car insurance most expensive? ›

What to know first. 18-year-old drivers on their own policy pay the highest car insurance premiums out of the age groups Bankrate analyzed. The most significant difference in premiums by gender occurs at age 18.

What is the shortest time I can insure my car for? ›

Temporary car insurance is an easy, flexible way to get short term cover. You can be on the road within 15 minutes. Temp cover gives you the flexibility to pay only for the time you need – whether that's one hour, one day insurance, or one month insurance.

Is it cheaper to pay car insurance every 6 months or monthly? ›

In most cases, a six-month policy is going to be cheaper than a 12-month policy because you are paying for coverage over a shorter period of time. However, if you compare your car insurance price on a monthly basis, it may not be much different between a six-month policy and a 12-month policy.


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