The Best Online Auto Insurance

Progressive, which provides coverage nationwide, is the best in any state when it comes to online auto insurance. You can shop according to your budget, as well as customize your coverage, with access to its Name Your Price Tool.

Snapshot Discount

Get rewarded for safe driving with Progressive’s Snapshot discount. Plug the Snapshot device into your car’s diagnostic port or download the mobile app to track your driving habits to earn discounts. Either device will track mileage, braking habits, and the time of day while creating a safe driving report that will translate into discounts on your premiums.

People who participate save $47 by signing up and another $156 once they’ve completed the program. Additionally, you can start the program at any time during your policy.

Quick Quotes

If you’re looking for a new insurance company, we obtained a quote in just four minutes with Progressive. On the company’s website, we used the auto quote explorer to compare quotes from different insurers to view the lowest rate.

With over $700 in average savings for new customers who switch, it pays to get a quick quote with Progressive. If you have complex coverage needs, you can connect with a virtual assistant who will guide you through your options to meet your budget.

Expansive Vehicle Coverage Types

Bundling discounts are premium reductions for purchasing more than one policy through the same provider. If you have more than one vehicle to cover, Progressive offers options whether you’re on the road, on the water, or in the snow. The company provides insurance for these vehicles:

• All-terrain vehicle (ATV)
• Utility terrain vehicle (UTV)
• Auto
• Boat
• Classic car
• Golf cart
• Motorcycle
• Personal watercraft
• RV
• Segway
• Snowmobile¹

GEICO sets itself apart from competitors when it comes to mobile apps and online policies. With over a century of insurance experience, GEICO has adapted to the online market by crafting seamless claim management and quote tools for its users.

Extensive Discounts

Accident Forgiveness

Accident forgiveness prevents rates from rising after a driver’s first at-fault accident. This coverage will help drivers save on premiums and keep good driver discounts. Drivers can purchase accident forgiveness as supplemental coverage or get it for free after five years with GEICO. However, GEICO’s accident forgiveness is not available in these states:

• California
• Connecticut
• Massachusetts

Superior Financial Health

An insurance company’s financial health matters because it needs stable finances to pay out your claims. GEICO has an A++ rating from AM Best — the highest a company can receive to indicate their ability to fulfill financial obligations.

Esurance, an Allstate-owned company, boasts a straightforward interface to make your experience painless when comparing quotes and managing claims online.

Top-Tier Mobile Experience

For those who want to communicate with their insurer via app, Esurance offers an easy-to-use mobile experience. On the Esurance mobile app you can …

• Pay your bill.
• File a claim.
• Manage your policy.
• Add a new car to your policy.
• Post pictures of damages and repairs.
• Update your contact information.
• View your ID card.
• Get roadside assistance.³

Online-Only Insurer

Founded in 1999, Esurance became one of the first companies to sell insurance policies over the internet. Esurance has more than two decades’ experience as an online-only insurer, which allows it to tailor the customer experience and policy management tools to online usage. This expertise is a huge benefit if you’re searching for online auto coverage because it offers simple, easy-to-use websites and virtual account assistants.

24-Hour Roadside Assistance

Roadside assistance is free with comprehensive and collision coverage. Esurance’s roadside assistance has a $75 benefit cap per accident, up to three accidents per year. After you’ve reached the limit, you will be responsible for paying any remaining out-of-pocket expenses.

The following emergency services are included with Esurance’s roadside assistance:

• Towing
• Fuel delivery
• Battery jump-start
• Locksmith
• Flat tire change
• Onsite mechanical adjustment
• Winching and/or extraction

You can request towing or labor services and track your aid in the app.

The United Services Automobile Association — or USAA — offers some of the lowest premiums for all eligible driver profiles, including …

• An active, retired, or separated veteran with a discharge type of “Honorable” or “General Under Honorable Conditions” from the U.S. military.
• A precommissioned officer attending a U.S. service academy, affiliated academy preparatory school, or advanced ROTC program.
• A spouse, widow, widower, or unremarried former spouse of a USAA member.
• A stepchild or biological child of an USAA member.

High Customer Satisfaction

USAA received a 909 out of 1,000 customer satisfaction rating from J.D. Power, the highest rate of any insurance firm. Even with online insurance, it’s nice to know that you’ll have actual humans helping you every step of the way.

Membership Benefits

Here are some of the advantages USAA customers will have access to:

• Bank: USAA’s team can help you find the right credit card, obtain low rates for car loans, and set up military pay advancements with direct deposit.
• Bundle: Along with auto coverage, USAA provides policies for home, health, life, and your small business.
• Advice: This company’s advice center can help answer questions about managing money and military life so you can prepare for deployment transitions and assess financial opportunities.
• Perks: Take advantage of shopping rewards, 25 percent discounts on car rentals, price matching on vacation packages, waived travel fees, home security discounts with ADT, and additional discounts for moving and storage.⁴

Multipolicy Discounts

USAA offers an additional 10 percent discount on your annual rate when you bundle auto and home or renters insurance. Whether it’s fire, theft, or weather damage, USAA’s bundled insurance will cover your personal belongings and protect your assets. If you purchase auto insurance with homeowners or renters insurance, the company will automatically apply the multipolicy discount

If you’re searching for a personalized policy experience online, State Farm is the perfect insurer for you. State Farm offers virtual chats and effortless policy management tools to simplify your online hunt for car insurance.

Easy Account Management

State Farm’s online account management makes it easy to update your account from anywhere at any time. Get 24/7 access to all your State Farm products with a single login on its website or mobile app. All you need to create an account is your phone number, date of birth, and email. Once you sign up you can file a claim, pay your insurance bill, or get roadside assistance.

Instant Quotes

With instant free quotes, you can customize your coverage to see how different options impact your rates. State Farm’s online quotes will give you insight on bundling options and possible savings by switching.

Get instant quotes on State Farm’s website for, or a combination of, these policies:

• Auto
• Homeowner
• Renter
• Small business
• Life
• Medical supplement
• Hospital income
• Pet

Teen Driver Benefits

Beginning to drive can be exciting — and expensive. State Farm offers savings of up to 25 percent to lower the cost of insuring your teen. You can add your teen driver to your policy online or in the State Farm mobile app. State Farm offers the following additional discounts.

• Good grades: Save up to 25 percent until your teen turns 25 if they rank in the top 20 percent of their class. Homeschoolers can qualify if they can submit evidence of national standardized test scores.
• Driver training: Get a discount when drivers under 21 complete a driver’s education course.
• Dormitory living: Receive a discount if a student under 25 only uses their car at home during school vacations.