Companies With the Cheapest Teen Auto Insurance in 2024
Buying auto insurance for your teen can be expensive. But these three companies with the cheapest teen auto insurance are highly rated and offer discounts.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Feb 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
- Virtually every auto insurance company offers some sort of discount for younger drivers
- Each of the top three companies with the cheapest teen auto insurance is highly rated and offers discounts
- A parent or guardian can help teens save up to 45% on insurance by adding them to an existing policy
[/su_box] Nationwide, Progressive, and Geico are the three companies with the cheapest teen auto insurance rates. However, these three companies have many other benefits that make them the best. Consumer Reports has a top 10 list of tips on finding the proper car insurance policy. This advice can be applied to teen drivers who are seeking cheap rates. They recommend things such as choosing an insurer that has top ratings, reducing mileage, and applying discounts.
Utilizing major auto insurance companies ensures that your rates will be stable for your young driver.
Discounts lower the annual premium for teens who qualify. When you combine all these benefits, you can see why Nationwide, Progressive, and Geico are best for teens. Find cheap auto insurance rates easily when you use our FREE quote tool today!
Nationwide Auto Insurance for Teen Drivers
Nationwide Auto Insurance has a few different ways teen drivers can save on their annual rates.:
- They provide a 25 percent discount for all drivers who receive a GPA or grade point average of B or higher. Unlike some auto insurance companies, this discount extends past the teen years. Any child under 21 is eligible, so they can participate in this program all through college.
- They also issue a credit in the amount of $48 to policyholders who utilize their easy pay method. This is perfect for teen drivers who use their cell phones, laptops, and notebooks for just about everything. Teenagers are glued to their mobile devices.
- Nationwide also offers the Nationwide Family Plan, which saves approximately 25 percent each year and differs from the typical multi-car discount because it applies the reductions each adult over 35 earns to the youngest driver.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How Progressive Helps Teen Drivers Save
Progressive Auto Insurance also has similar discounts that apply to teen drivers, like the good student discount.
However, Progressive offers loyalty rewards programs that begin immediately and, in addition to the teen-based discounts, can save you an unlimited amount each year.
From the moment you elect Progressive as your car insurance provider, you started earning rewards. Once you add your teen to your policy, you can use these rewards towards their annual rate. If you have been with Progressive for a long period of time, this could mean a huge discount. Progressive’s Snapshot discount program is also an excellent option. You can combine this with the student discount and receive almost 45 percent off your teen’s premium each year. To get started, just advise the representative that you are interested when you are adding them to your policy. From there, you simply wait for the device to arrive. If you place your teen on strict guidelines for the first 12 months of driving, they will succeed. After the first few months, Progressive will have enough data. They will offer a discount based on how well your teen driver has performed. All you need to do is sit back and enjoy the savings.
The Benefits of Choosing Geico for Young Drivers
Geico Auto Insurance Company has a unique discount they provide for teens. Once again, they too participate in the good student discount and you can receive about 15 percent off each year. However, it gets better. You may also qualify by associating yourself with one of their 275 affiliates. That is correct. Geico has more than 275 associations and groups with which they are aligned. If your teen belongs to any of their groups or associations, you can save as much as 8 percent immediately, in addition to the other discounts you currently have.
They can offer an extremely low down payment and provide your teen with monthly payment options, without a surcharge.
They may even give you other privileges, like roadside assistance without any additional costs. That alone is a great deal since many car insurance providers consider this an extra, chargeable option. Student affiliations include the National Honor Society, which should not be difficult if your teen already qualifies for a good student discount. Other affiliates and groups are the Pi Sigma Alpha chapters and at least 60 other fraternities and sororities.
More Details on Best Auto Insurance Companies for Teens
Finding cheap insurance for teens can be incredibly difficult because the young driver demographic is one of the riskiest for insurance companies. However, while teen drivers will always pay more for insurance, some companies are more forgiving than others. The chart below shows the average annual U.S. full and minimum coverage auto insurance rates for teen drivers.
Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
---|---|---|---|---|
Allstate | $608 | $638 | $448 | $519 |
Farmers | $778 | $742 | $573 | $603 |
Geico | $298 | $312 | $220 | $254 |
Liberty Mutual | $716 | $778 | $528 | $633 |
Nationwide | $411 | $476 | $303 | $387 |
Progressive | $801 | $814 | $591 | $662 |
State Farm | $311 | $349 | $229 | $284 |
Travelers | $709 | $897 | $523 | $729 |
If you need car insurance for teen drivers, consider the following companies:
- State Farm: Not only does State Farm auto insurance have low auto insurance rates for teens, but it also offers the Steer Clear program. Steer Clear is a discount program that teaches young drivers how to handle difficult situations on the road.
- Allstate: Allstate auto insurance doesn’t have the lowest auto insurance rates for teens, but it does have one of the longest lists of discounts young drivers might qualify for.
- USAA: USAA auto insurance usually has the lowest rates for all demographics but does especially well with teens. However, only teens from military families are eligible for coverage with USAA.
- Travelers: Depending on other factors like location, Travelers auto insurance might offer you the lowest car insurance for teens.
While these companies tend to have the best auto insurance for teens, you should still compare rates. Insurance companies use a variety of factors to determine how much you’ll pay, so you might find a different company that charges you less.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
The Cost of Auto Insurance for Teens
If you have a new driver at home, you’re probably wondering how much insurance is for a 16-year-old. Or, maybe you’re 18, leaving home for the first time, and need to find reasonable rates for car insurance for 18-year-olds. In either case, people generally encounter higher insurance rates until they enter their 20s. Age is one of the most important factors for car insurance — drivers under 25 will pay more for insurance the younger they are. The average car insurance rates by age vary. Check the table below to see how much insurance costs for teens.
Insurance Company | 18-Year-Old Male | 18-Year-Old Female | 30-Year-Old Male | 30-Year-Old Female | 45-Year-Old Male | 45-Year-Old Female | 55-Year-Old Male | 55-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
---|---|---|---|---|---|---|---|---|---|---|
AAA | $378 | $328 | $103 | $99 | $86 | $88 | $81 | $83 | $84 | $86 |
Allstate | $203 | $180 | $79 | $74 | $59 | $59 | $56 | $56 | $57 | $58 |
American Family | $414 | $305 | $137 | $116 | $117 | $115 | $111 | $109 | $114 | $113 |
Farmers | $629 | $597 | $167 | $160 | $139 | $139 | $131 | $132 | $136 | $136 |
Geico | $254 | $220 | $87 | $90 | $80 | $80 | $76 | $76 | $78 | $78 |
Hartford | $469 | $407 | $133 | $126 | $113 | $115 | $107 | $109 | $109 | $112 |
Liberty Mutual | $626 | $626 | $200 | $174 | $174 | $171 | $165 | $162 | $170 | $96 |
Nationwide | $387 | $303 | $136 | $124 | $115 | $113 | $109 | $107 | $114 | $113 |
Progressive | $662 | $591 | $136 | $131 | $105 | $112 | $100 | $106 | $103 | $109 |
State Farm | $284 | $229 | $103 | $94 | $86 | $86 | $82 | $82 | $84 | $84 |
Travelers | $740 | $530 | $108 | $99 | $99 | $98 | $94 | $93 | $97 | $96 |
U.S. Average | $501 | $416 | $139 | $128 | $119 | $119 | $113 | $113 | $117 | $117 |
You might notice that insurance for a 16-year-old is substantially higher than for even slightly older drivers. Although car insurance for 18-year-olds is cheaper, it’s incredibly high compared to older adults. However, age isn’t the only factor that determines your rates. Insurance companies also look at gender, location, driving history, and the make and model of your car. So, when you’re trying to figure out how much car insurance is for an 18-year-old per month, remember that your age isn’t the only thing that defines you.
The Cost of Auto Insurance for a 16-Year-Old
The highest rates for car insurance are for 16-year-olds. These new drivers are not only more likely to get into an accident, but car insurance companies can’t look at their driving records to get an idea of how safe they are because they have no history. You can compare rates to know how much is insurance for a 16-year-old. Because of how much car insurance is for a 16-year-old per month, it’s best to add young drivers to a parent or guardian’s plan whenever possible.
The Cost of Auto Insurance for a 17-Year-Old
Many 17-year-olds have about a year of driving experience, which helps lower car insurance rates. However, finding out how much car insurance is for a 17-year-old per month can still come as a shock. Although insurance for a 17-year-old is high, your rates will drop with age as long as you keep your driving record clean.
The Cost of Auto Insurance for an 18-Year-Old
Most states consider teens legal adults when they turn 18, which means they can buy insurance without a parent or guardian’s signature. As you can see, an 18-year-old pays less than younger teens, but rates are still high. To get a better idea of how much insurance is for an 18-year-old, make sure to compare rates for individual plans.
The Cost of Auto Insurance for a 19-Year-Old
19-year-olds pay the least among teen drivers. However, young drivers won’t see significantly lower rates until around 25. If you’re looking for cheap car insurance for new drivers under 21, make sure to check for discounts. Since many 19-year-olds are either considering college or are already attending, many car insurance companies offer school discounts.
Why Auto Insurance for Teens Cost So Much
Teenage car insurance rates are high for one simple reason — risk. Car insurance companies want to insure the least risky people possible, and teen drivers are more likely to be involved in incidents than nearly every other demographic. To get an idea of why teen car insurance is so high, consider the following statistics:
- According to the CDC, unintentional injuries, including car accidents, are the leading cause of death for young adults aged 15 to 20.
- According to the CDC, male teen drivers are twice as likely to die in a car accident than females.
- Having teen passengers increases the likelihood of a teen driver causing an accident.
- According to the IIHS, 16-year-old drivers are three times more likely to get into an accident than 19-year-olds due to the difference in their driving experience.
Driving a car presents a risk to teens that insurance companies don’t ignore. Since you are statistically more likely to get into an accident when you’re younger, you’ll be charged more for your insurance. The good news is that your rates won’t stay high forever. Your rates will drop as you age as long as you keep your driving record clear.
Teens May Need Their Own Auto Insurance
Teens may wonder if they should get their own insurance or if they are covered by their parent’s insurance. While it’s more affordable for a teen to join a parent or guardian’s policy, there are times when buying their own insurance is necessary. However, a minor usually can’t buy car insurance without a parent or guardian’s signature. Since minors can’t legally enter contracts, insurance companies won’t sell a policy to anyone under age. The only exception to this is teens who have been emancipated by the court and can make legal decisions for themselves. In general, it’s cheaper for teens to join a parent or guardian’s policy. There are only a few occasions when teens should consider their own plans:
- They are the only car owners in the household.
- Other adults in the household have high-risk auto insurance, and joining their policy would cost more.
- The teen is eager to take a step toward financial independence.
Unless any of these apply to you, joining a parent or guardian’s policy is the best way to find the cheapest car insurance for teens.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
You Can Add a Teen to Your Auto Insurance
Not only can a parent or guardian add a teen to their policy, but it’s also the best way to find affordable insurance for teenage drivers. Adding a young person to an existing policy can help teen drivers save up to 45% on auto insurance. You should add any teen with a new license to your policy if they’ll be driving a family car. Adding a teen driver to your insurance won’t raise your rates by too much and will ensure your vehicle is covered no matter who is driving. Teen driver insurance will cost more if they own a car, but it’ll still be cheaper than buying an individual policy.
How to Add a Teen Driver to Your Policy
Adding a teen driver to your car insurance policy is a simple process. If you already have a policy, adding a teen is as easy as calling an insurance representative. Once a new driver is added to your policy, your representative will check for new discounts that might apply. The teen’s car will be added to the policy, and you’ll be informed of how much your new rate will be. If you don’t have a policy — or you’re shopping around for a better price — you’ll need some basic information about the teen driver, such as their driver’s license number. Whether you add a teen to an existing policy or start a new one, you should continue helping them learn how to drive safely. Keeping a clean driving record is the only way teen auto insurance quotes decrease.
How Teens Can Save on Their Auto Insurance
Although teen car insurance quotes are always higher, there are plenty of ways to save on your monthly rates. If you’re looking for cheap car insurance for teens, try the following:
- Take a driving class. Most major insurance companies offer a discount for teens who take approved driving courses, such as a defensive driving discount. As a bonus, teens can learn valuable driving skills.
- Maintain your grades. There are auto insurance discounts for good grades, so one of the best ways to save money on insurance for teens is to maintain a GPA of at least 3.0.
- Assign the cheapest car in your household. Many insurance companies require you to assign a primary driver. Assigning your teen to the least expensive vehicle in your household can save you money.
- Keep your record clean. How do auto insurance companies check driving records? A clean driving record will save you money. Traffic incidents like speeding tickets or car accidents on your driving record will dramatically increase your rates. Teens aren’t the only ones who should drive safely — all drivers on your policy should practice good habits on the road.
- Increase your deductible. You can lower your monthly payment by increasing your deductible if you can afford to pay more before your insurance kicks in.
- Try usage-based insurance. Usage-based auto insurance plans monitor your driving — as long as you practice safe habits, you’ll earn lower rates.
These are the easiest ways to keep your insurance down when teens already have a car they need insurance for. If the teen doesn’t have a vehicle yet, looking at cheap, good cars for teens can also help save you money.
Good, Cheap Cars for Teens
When it’s time to find a teen’s first car, there are several things to look for. Most importantly, it’s a safe vehicle, but you should also look for reliability and affordability. Of course, teens will also appreciate a little bit of style. While there are plenty of choices for cool cheap cars for teenagers, here are some of the best used vehicles:
- Ford Taurus: The Taurus was discontinued in 2019 but remains a popular choice for teen drivers. To find the perfect mix of safety and affordability, try to find a 2013 or 2014 model.
- Honda Accord: When it comes to cool, cheap cars for teens, the Honda Accord is a classic. With great safety ratings and an affordable price tag, the Accord will probably be a popular choice for years to come.
- Honda Civic: Another popular Honda for teens, the Civic also has stellar safety ratings. As a bonus, the Civic has excellent gas mileage.
- Mazda 3: When it comes to cars for 16-year-olds, the Mazda 3 has solid safety ratings, gas mileage, and affordability. Teens also appreciate Mazda’s sporty drive.
- Subaru Outback: Subaru is well known for its safety and reliability. All of Subaru’s hatchbacks are solid choices, but the Outback is probably the most popular.
- Toyota Camry: When it comes to nice, cheap cars for teens, one of the best choices is the Toyota Camry. The Camry has fantastic safety ratings and a reputation for reliability.
- Subaru Impreza: When you’re looking for good cars for 16-year-olds, the Subaru Impreza matches safety with style.
- Ford F-150: If you’re looking for good trucks for 16-year-olds, the Ford F-150 is an excellent option because it has one of the highest safety ratings.
Finding a cheap car for teens doesn’t have to be a challenge — there are plenty of options for buying used cars that won’t break the bank. You can find auto insurance rates for a Honda Accord or Subaru Impreza auto insurance rates online.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
The Role of the Graduated Driver’s License
A graduated driver’s license is a three-part program designed for young teen drivers that was developed by state legislators to help improve driving skills to avoid motor vehicle accidents. The majority of major collisions in the United States occur with drivers between 16 and 20. A new driver between 16 and 17 cannot receive a standard driver’s license without completing specific steps. These steps include an instructional permit and an intermediate driver’s license. Upon completing each step successfully, a teen may apply for a standard driver’s license.
To apply for an instructional permit, the applicant must pass the vision and written test.
They can then pay the fee, after providing the required documentation. The instructional permit is similar to the learner’s permit. Drivers must be chaperoned by an adult over 21 with a valid state-approved driver’s license. They must maintain the validity of the instructional permit for at least 12 months before moving onto the second step. The next step, called the intermediate license, is the level between instructional permit and a standard driver’s license — the newest level of added protection for teen drivers. Previously, a teen driver only needed to possess a learner’s permit until they reached the required age. They would then have the ability to apply for a standard driver’s license. Today, they must complete the intermediate license phase. To obtain an intermediate license, the applicant must complete a series of requirements. They must also complete and pass a driver’s education course as established by the Motor Vehicle Commission and the State Board of Education. As you can see, the importance of keeping our youth safe while on the road is vital. Most auto insurance companies will require you to provide this information upon requesting auto insurance.
Lowering Your Insurance Bill
Now that your child is driving, it is time to do some research to find the best ways to lower your insurance bill. Some of the important steps to insure inexperienced drivers are as follows:
- Comparison-shopping – Explore the insurance market and the various companies that can offer you and your teenager coverage. Get quotes from your own company, online, or through an insurance agent. You should also talk to your family and friends, and ask them for recommendations.
- Discounts – Car insurance companies offer discounts for teenagers. If your teen is a good student, many companies will offer discounts of up to 25%.
- Driver’s education – Registering your student in driver’s education and defensive driving courses will also save you money.
- Buying a new car – If you want to buy your teen a new car, make sure you get the right car. Buying an SUV or sports convertible will be frowned upon in insurance circles. You might want to get your teen a late model, four-door, four-engine sedan. Such sedans are filled with safety features like electronic stability control, automatic emergency braking, an anti-lock braking system, and pedestrian detection, among other advanced safety features, and are cheap to insure.
Combine all of these steps to get the most affordable auto insurance for teens.
Choosing the Right Vehicle
Most teens will not have brand-new cars. In fact, many experts recommend cars that are between five and seven years old for first-time drivers. Cars that are dated between five and seven years are still equipped with a number of safety features, like automatic airbags and passenger restraints. They also have updated engine systems that are easier to maintain. The car insurance industry knows the types of vehicles that have driven records of accomplishment, like the Honda Accord and the Toyota Camry. They tend to base their comparisons around these model types for younger drivers. Insurance companies also have a good idea of how much these vehicles cost to repair. This is something you should keep in mind as the inevitable can occur. If your teen is involved in a collision, the car will require a stay at the body shop. It is always best to find a durable vehicle, with manufacturer’s parts that are easy to locate.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Safety Is Vital with Teen Drivers
Safety on the road is the number one priority of every parent today. It is equally as important to the auto insurance provider you select. You must teach your teen to be smart if they ever require maintenance on their vehicles. Replacement parts are part of owning a car. It is essential that you follow the advice of your car insurance company and only purchase original equipment provided by the manufacturer or OEM parts.
Many auto shops will try to convince you that non-OEM parts are just as safe, but less expensive; the reality is they may cause more damage.
Copycat car parts seldom meet federal standards for safety provided by the U.S. Department of Transportation. They often have a poor fit or may rust fast and cause other major issues. It is never wise to teach your teens that cheaper is better, especially when it comes to their safety.
Shop Around for the Most Affordable Auto Insurance
The only way you’re going to know if you’re getting the cheapest car insurance for your teen driver is to get several quotes from different companies. Try a variety of companies, from large nationwide corporations to local providers, and see what your best deal is. Make sure you are getting fair comparisons. To do this, you need to make sure that you are being quoted for the same level of coverage. While it’s a good idea to get quotes for different amounts, like one for $500 and a $1,000 deductible, be sure to do this from each company. For example, you may think that one company has the best deal until you see that instead of quoting you the recommended 100/300/50 amount of liability, they are quoting the state minimum amounts, which are usually far lower. Since your teen is more likely to cause an accident, this is not the time to be lowering this coverage. The Internet makes shopping around for auto insurance much easier. You enter your information once, and we bring the quotes to you. They’re from well-respected, reliable companies. We save you time as well as money! Start saving today by entering your ZIP code in the free box below and you’ll receive multiple quotes for free.
Right now, you can enjoy low car insurance rates! Just enter your ZIP code to compare rates from several companies!
Frequently Asked Questions
What are the best auto insurance companies for teens?
While the best auto insurance companies for teens may vary based on individual needs and circumstances, some companies that are often recommended for their competitive rates, excellent customer service, and teen-friendly policies include:
- State Farm
- Geico
- Progressive
- Allstate
- USAA (available to military families)
What factors should I consider when choosing auto insurance for my teen?
When selecting auto insurance for your teen, it’s essential to consider the following factors:
- Cost: Compare premium rates and discounts available for teen drivers.
- Coverage options: Look for policies that offer adequate coverage for liability, collision, and comprehensive damages.
- Deductibles: Evaluate deductible options and how they can affect your premium.
- Customer service: Research the company’s reputation for customer service and claims handling.
- Teen-specific programs: Check if the company offers programs or incentives for teen drivers, such as safe driving discounts or driver monitoring tools.
Do auto insurance rates for teens tend to be higher than rates for other age groups?
A3: Generally, auto insurance rates for teen drivers are higher than those for other age groups. Teenagers are statistically more likely to be involved in accidents due to their limited driving experience. However, many insurance companies offer discounts and programs specifically designed to help lower rates for teen drivers.
Are there any discounts available for teen drivers?
Yes, several insurance companies provide discounts to help reduce insurance costs for teen drivers. Some common discounts include:
- Good student discount: Offered to students who maintain a certain GPA.
- Driver training discount: Available to teens who complete a recognized driver’s education course.
- Safe driving discount: Rewards teens who maintain a clean driving record over time.
- Multi-policy discount: Applies when you bundle your teen’s auto insurance with other policies like home insurance.
Can I add my teen driver to my existing auto insurance policy, or do they need their own policy?
In most cases, you have the option to add your teen driver to your existing auto insurance policy. This is often the most convenient and cost-effective choice. However, depending on your insurance company and policy terms, there may be situations where it’s more beneficial or required to have a separate policy for your teen driver. It’s recommended to contact your insurance provider to understand your options and any specific requirements for insuring a teen driver.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.