Best Auto Insurance Companies That Don’t Raise Rates (2021)
The best auto insurance companies that don't raise their rates are State Farm, American Family, and USAA. While there will always be auto insurance companies that do raise their rates, car insurance companies that don't raise their rates are great fits for high-risk drivers or drivers on a budget. If your insurance rates went up, shop around online to find more affordable coverage.
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UPDATED: Sep 8, 2021
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- Companies raise their rates when drivers cause accidents or an area experiences a large number of claims
- Drivers can offset rising rates by taking advantage of an insurance company’s discounts
- State Farm, USAA, and American Family Insurance do an excellent job at keeping rates low for their clients
If you’re looking for auto insurance companies that don’t raise their rates right now, you’re in luck. You can find affordable auto insurance with auto insurance companies that don’t raise their rates horribly after an accident.
While there are auto insurance companies that do raise their rates, great auto insurance rates can be had online. Even if your insurance company raises your rates, you can take steps to keep your rates low.
Are you ready to find auto insurance quotes with auto insurance companies that don’t raise their rates? You can find cheap auto insurance whenever you’d like.
Enter your ZIP code above to get free quotes from auto insurance companies that don’t raise their rates.
What are the best auto insurance companies with the lowest rates?
While there will always be auto insurance companies that do raise their rates, an auto insurance company like one of the three listed below do tend to keep their rates low:
- State Farm
- American Family Insurance
Of course, not even the best auto insurance companies can insulate their rates against the cost of paying out claims, but these companies do an excellent job at trying to retain low rates for their clients.
State Farm is one of the biggest insurance companies in America and an excellent option for drivers who are worried about facing rate increases after an accident.
USAA is well-known for its incredibly well-adjusted rates. On average, USAA offers insurance for $121/mo but is only available to veterans, active-duty service members, and their immediate families.
American Family Insurance is a smaller insurance company, only available in nineteen states, but offers affordable insurance for high-risk drivers that doesn’t raise your rates. American Family Insurance’s rates typically increase by a relatively small amount after common driving offenses.
The accident-forgiveness policy offered by American Family Insurance also protects customers from sharp rate increases after they’ve experienced their first at-fault accident.
To qualify, drivers must be with American Family Insurance for at least five years, have been accident-free for five years, and must have no infractions or violations.
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Why do auto insurance companies raise their rates?
Can auto insurance companies raise rates? Yes, they can do so for a variety of reasons. While it may not shock you when your premiums go up after you cause an accident, it can be incredibly frustrating to see your rates rise despite having an excellent driving record.
Rates can rise for drivers across the board because an auto insurance company is responsible for paying for a wide array of expenses, like vehicle repairs, legal fees, and medical bills. For example, you can expect to see an increase in rates if your location has experienced an intense rise in accidents or severe weather events.
When an insurance company’s expenses increase, your auto insurance rates may increase in order to offset costs.
If you’re worried about your rates rising, make sure that every auto insurance discount you qualify for has been applied to your account.
Go over this list of discounts and review your policy to make sure you’re not missing out on any savings opportunities:
|Vehicle Discounts||Driver/Customer Discounts||Personal Discounts|
|Active Disabling Device||Claim Free||Emergency Deployment|
|Adaptive Cruise Control||Continuous Coverage||Family Legacy|
|Adaptive Headlights||Defensive Driver||Family Plan|
|Anti-lock Brakes||Driver's Education||Federal Employee|
|Audible Alarm||Driving Device/App||Further Education|
|Automatic Braking||Early Signing||Good Student|
|Blind Spot Warning||Full Payment||Homeowner|
|Daytime Running Lights||Good Credit||Life Insurance|
|Electronic Stability Control||Multiple Policies||Membership/Group|
|Farm/Ranch Vehicle||Multiple Vehicles||Military|
|Forward Collision Warning||New Customer/New Plan||New Address|
|Garaging/Storing||Occasional Operator||New Graduate|
|Green/Hybrid Vehicle||Online Shopper||Non-smoker/Non-drinker|
|Lane Departure Warning||On-time Payments||Occupation|
|Newer Vehicle||Paperless/Auto Billing||Recent Retirees|
|Passive Restraint||Paperless Documents||Stable Residence|
|Utility Vehicle||Roadside Assistance||Student Away|
|Vehicle Recovery||Safe Driver||Student or Alumni|
|VIN Etching||Seat Belt Use||Volunteer|
Car insurance discounts can vary by company, so shop around with multiple auto insurance companies that don’t raise their rates to find the right policy for your budget.
What You Need to Know about Auto Insurance Companies That Don’t Raise Rates
While auto insurance rate increases are normal and common, you can still find a policy with a company that doesn’t increase rates exponentially as time goes by.
Car insurance companies that don’t raise their rates are great fits for high-risk drivers or drivers on a budget.
If you want to avoid auto insurance companies that do raise their rates, buy auto insurance from companies like USAA, State Farm, or American Family Insurance.
If you’d like to get free quotes from auto insurance companies that don’t raise their rates, enter your ZIP code below to get started.