Best Car Insurance Company That Rate Drivers Individually (2023)
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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Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
UPDATED: May 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| Insurance Company | Low Coverage | Medium Coverage | High Coverage |
|---|---|---|---|
| Allstate | $385.67 | $408.07 | $428.25 |
| American Family | $280.71 | $295.36 | $284.70 |
| Farmers | $326.87 | $347.19 | $374.51 |
| Geico | $250.16 | $267.83 | $285.76 |
| Liberty Mutual | $483.81 | $504.88 | $529.67 |
| Nationwide | $282.90 | $287.48 | $292.11 |
| Progressive | $311.43 | $334.87 | $362.58 |
| State Farm | $254.62 | $272.48 | $287.90 |
| Travelers | $351.97 | $371.84 | $384.92 |
| USAA | $200.34 | $211.66 | $222.33 |
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.
| Discount | Average Savings | Category |
|---|---|---|
| Accident-free | 5% | Driving History |
| Affiliation or "affinity" | 25% | Affiliations |
| Anti-lock brakes | 10% | Equipment-related |
| Anti-theft | 5 - 20% | Equipment-related |
| Auto-pay | $45 - $50 / year | Payment |
| Bundled | 5 - 10% | Customer Loyalty |
| Customer Loyalty | 15 - 25% | Customer Loyalty |
| Defensive driving course | 10% | Driver Training |
| Driver Training | 8 - 10% | Driver Training |
| Early signing/renewal | 10% | Customer Loyalty |
| Emergency road assistance | 5% | Affiliations |
| Good or safe driver | 20% | Driving History |
| Good student | 15 - 25% | Demographic |
| Green/hybrid car | 10% | Equipment-related |
| Homeowner | 5 - 15% | Demographic |
| Low income or occupation | Varies | Demographic |
| Military | 15% on base, 90% for deployed | Affiliations |
| Multi-car | 10 - 25% | Customer Loyalty |
| New car | 10% | Equipment-related |
| Paid-in-full | 5 - 10% | Payment |
| Paperless | 3% | Payment |
| Safety; passive restraint and airbag | 5% | Equipment-related |
| Senior | 15 - 35% | Demographic |
| Usage or low-mileage | 2% | Driving History |
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.
Frequently Asked Questions
What does it mean for a car insurance company to rate drivers individually?
When a car insurance company rates drivers individually, it means they assess each driver’s risk profile based on factors such as age, driving record, and credit history, rather than relying solely on general demographic information like age or gender.
Why is it important to choose a car insurance company that rates drivers individually?
Choosing a car insurance company that rates drivers individually can be important because it means your premium may be more accurately tailored to your specific risk level. This can potentially result in lower rates for safe drivers and higher rates for higher-risk drivers.
What factors do car insurance companies use to rate drivers individually?
Car insurance companies may use a variety of factors to rate drivers individually, including age, gender, driving record, credit history, type of vehicle, annual mileage, and location.
Which car insurance companies rate drivers individually?
Many car insurance companies offer some degree of individualized rating, but some popular options include Progressive, Allstate, State Farm, Geico, and Nationwide.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
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...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.