But liability coverage levels come in threes — you’ll probably see something like 50/100/50 up to 250/500/250 in typical policies. You can think of these limits like: individual injuries / total injuries / property damage. Insurers are a little more technical, calling them bodily injury liability, total bodily injury liability and physical damage liability.

State Farm: State Farm is the third-best car insurance company, though its overall score is very close to second-place Travelers. State Farm gets high marks from its customers for ease of filing a claim, and many State Farm customers say they're likely to renew their policy with the company. State Farm customers report being satisfied with the value they get from the company, and it’s no wonder they say that: State Farm rates are, on average, lower than most of the competition.
We wrote the book on low price car insurance, but the story isn’t just about discounts. We’ll go a step further by giving you the power to tailor the quote to your budget and protection needs. We’ll also make sure you’ve maximized your savings opportunities with helpful hints below. That’s why you’re at the best place to buy cheap auto insurance online.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
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Collision coverage has a deductible, which is the amount you pay before your coverage helps pay for your claim. You can typically choose the amount of your deductible when you buy coverage. So, if you choose a $1,000 deductible and your car is later damaged in a covered accident, you'd have to pay $1,000 toward repair costs. Your collision coverage would help pay the rest, up to your coverage limit.
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