Frequently Asked Questions
Which car insurance company is the cheapest in 2025?
Geico and USAA (for military families) consistently offer the lowest average premiums. However, “cheapest” varies by your location, driving record, vehicle, and coverage level. Always compare quotes from multiple companies to find your personal best rate.
How often should I compare car insurance rates?
You should compare rates at least once a year, and always after a major life change (moving, marriage, buying a new car, adding a teen driver). Many experts recommend getting new quotes every 6-12 months.
Does car insurance cover rental cars?
It depends on your policy. If you have comprehensive and collision coverage, it typically extends to rental cars. Many policies also offer optional rental reimbursement coverage if your car is in the shop after a covered claim.
What is a good car insurance score?
A good insurance score (which is different from a credit score) is typically 770 or higher. Insurers use this score to predict the likelihood of filing a claim. Maintaining a clean driving record and good credit contributes to a higher insurance score.
