Best Car Insurance Company That Rates Drivers Individually (2021)

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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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: Oct 29, 2021

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The Highlights

  • 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 CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
Geico$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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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
DiscountAverage SavingsCategory
Accident-free5%Driving History
Affiliation or "affinity"25%Affiliations
Anti-lock brakes10%Equipment-related
Anti-theft5 - 20%Equipment-related
Auto-pay$45 - $50 / yearPayment
Bundled 5 - 10%Customer Loyalty
Customer Loyalty15 - 25%Customer Loyalty
Defensive driving course10%Driver Training
Driver Training8 - 10%Driver Training
Early signing/renewal10%Customer Loyalty

Emergency road assistance5%Affiliations
Good or safe driver20%Driving History
Good student
15 - 25%Demographic
Green/hybrid car10%Equipment-related
Homeowner5 - 15%Demographic
Low income or occupationVariesDemographic
Military15% on base, 90% for deployedAffiliations
Multi-car10 - 25%Customer Loyalty
New car10%Equipment-related
Paid-in-full5 - 10%Payment
Paperless3%Payment
Safety; passive restraint and airbag5%Equipment-related
Senior15 - 35%
Demographic
Usage or low-mileage2%Driving History
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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.

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.

Are you looking for free insurance quotes?

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

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