Best Car Insurance Companies That Sell Online (2021)

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • 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 auto 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?

The best insurance companies in the United States allow you to buy auto insurance online.

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 CompaniesA.M. Best RatingsAverage Monthly Car Insurance Rates
AllstateA+ (Superior)$227
American FamilyA (Excellent)$160
FarmersA (Excellent)$206
GEICOA++ (Superior)$128
Liberty MutualA (Excellent)$284
NationwideA+ (Superior)$163
ProgressiveA+ (Superior)$202
State FarmA++ (Superior)$168
TravelersA++ (Superior)$205
USAAA++ (Superior)$115
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USAA is the cheapest car insurance company, but it’s only available for veterans and their immediate families.

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.

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.

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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.

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
CompaniesFull Coverage Car Insurance Rates with a Clean Driving RecordFull Coverage Car Insurance Rates Based with One AccidentLiability-Only Car Insurance Rates with a Clean Driving RecordLiability-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
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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 deposit, you can lower your monthly car insurance rates.

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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. The best insurance companies 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.

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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