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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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 8, 2021

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Things to Remember

  • 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
  • USAA
  • 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:

Common Auto Insurance Discounts Offered by Insurance Companies
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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