10 Best Auto Insurance Companies That Sell Policies Online in 2024 (Top Providers Ranked)
Securing the best auto insurance companies that sell policies online has never been easier with providers like Progressive, State Farm, and AAA. Progressive offers $82/mo, State Farm has personalized service, and AAA provides roadside assistance and member discounts, making these solid options for consumers.
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Joseph Hoelscher
Criminal and Family Lawyer
Hoelscher is an award-winning criminal and family trial lawyer who has become a regular media commentator and scholarly author. His cases have been featured in national media, such as America's Most Wanted and Dateline, and he’s appeared on many major networks and been cited by publications, including U.S. News & World Report, Oprah Magazine, Reader's Digest, and the New York Daily News. ...
Criminal and Family Lawyer
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 1, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
17,759 reviewsCompany Facts
Full Coverage for Sell Policies Online
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
2,934 reviewsCompany Facts
Full Coverage for Sell Policies Online
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviewsExplore the best auto insurance companies that sell policies online, including Progressive, State Farm, and AAA, starting at $82/month by Progressive.
These companies are still available if you’re looking for full-coverage auto insurance. They offer comprehensive protection without relying solely on digital platforms.
Selling Policies Online Auto Insurance Monthly Rates by Coverage Level & Provider| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Qualifying Coverage | Progressive |
 | #2 | 17% | B | Customer Service | State Farm |
 | #3 | 15% | A | Roadside Assistance | AAA |
 | #4 | 25% | A | Policy Options | Liberty Mutual |
 | #5 | 20% | A+ | Widespread Availability | Nationwide |
 | #6 | 13% | A++ | Bundling Policies | Travelers |
 | #7 | 20% | A | Signal App | Farmers |
 | #8 | 25% | A | Costco Members | American Family |
 | #9 | 25% | A+ | UBI Savings | Allstate |
 | #10 | 5% | A+ | Organization Discount | The Hartford |
Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
- Cheapest online auto insurers: Progressive, State Farm, and AAA
- Use a free quote tool for the best rates
- Most major providers sell policies online
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#1 — Progressive: Top Overall Pick
Pros
- Top Ranking: Progressive is ranked #1 for qualifying coverage and is one of the best auto insurance companies that sell policies online. Read more at “Progressive Insurance Review.”
- High A.M. Best Rating: With an A+ rating, Progressive stands out among the best auto insurance companies that sell policies online for its financial stability.
- Bundling Discount: This company offers a 10% discount for bundling policies, making it a competitive choice among the best auto insurance companies that sell policies online.
Cons
- Potential Rate Increases: Rates may rise significantly after a claim, which is a consideration when choosing from the best auto insurance companies that sell policies online.
- Mixed Customer Service: Customer service reviews can be inconsistent, even among the best auto insurance companies that sell policies online.
#2 — State Farm: Best for Customer Service
Pros
- Top Customer Service: Ranked #2 for customer service, State Farm is one of the best auto insurance companies that sell policies online.
- Generous Bundling Discount: This company provides a 17% discount for bundling, making it an attractive option among the best auto insurance companies that sell policies online.
- Extensive Agent Network: State Farm’s large network of local agents enhances its standing among the best. Learn more at “State Farm Insurance Review.”
Cons
- Lower A.M. Best Rating: With a B rating, State Farm’s financial stability is lower compared to other best auto insurance companies that sell policies online.
- Higher Premiums: Base rates may be higher than other options among the best auto insurance companies.
#3 — AAA: Best for Roadside Assistance
Pros
- Excellent Roadside Assistance: Ranked #3 for roadside assistance, AAA is recognized among the best auto insurance companies that sell policies online.
- Strong A.M. Best Rating: With an A rating, AAA offers solid financial strength as one of the best auto insurance companies that sell policies online.
- Bundling Discount: This company provides a 15% discount for bundling policies, enhancing its value among the best auto insurance companies that sell policies online.
Cons
- Membership Requirement: Roadside assistance and discounts require AAA membership, which might be a limitation for some. Explore our article “AAA Insurance Review.”
- Availability Issues: It is not available in all regions, which can affect its standing among the best auto insurance companies that sell policies online.
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#4 — Liberty Mutual: Best for Policy Options
Pros
- High Bundling Discount: Offers a 25% discount for bundling policies, making it a leading choice. Discover more bundling discounts at “Liberty Mutual Insurance Review.”
- Diverse Policy Options: Ranked #4 for having various policy options, Liberty Mutual is notable among the best auto insurance companies that sell policies online.
- Strong A.M. Best Rating: With an A rating, Liberty Mutual demonstrates solid financial stability as one of the best auto insurance companies.
Cons
- Higher Premiums: Higher premiums can be more expensive for some drivers, even among the best auto insurance companies that sell policies online.
- Complex Pricing: Discounts and pricing structures can be complex, which might be a drawback when considering the best auto insurance companies.
#5 — Nationwide: Best for Widespread Availability
Pros
- Widespread Availability: Ranked #5 for nationwide coverage, Nationwide is a prominent option among the best auto insurance companies.
- Significant Bundling Discount: Nationwide offers a 20% discount for bundling policies, making it a strong contender. Learn more in our article “How do I renew my car insurance policy with Nationwide?.“
- Top A.M. Best Rating: With an A+ rating, Nationwide is known for its financial strength and is one of the best auto insurance companies that sell policies online.
Cons
- Potentially Higher Costs: Rates may be higher for some drivers compared to other options among the best auto insurance companies that sell policies online.
- Mixed Reviews on Claims: Customer feedback on claims processing can be varied, even among the best auto insurance companies that sell policies online.
#6 — Travelers: Best for Bundling Policies
Pros
- Top Bundling Discounts: This company offers a 13% discount for bundling policies, making it a competitive choice among the best auto insurance companies.
- Exceptional A.M. Best Rating: Holds an A++ rating for financial strength, positioning Travelers as a leading option among the best auto insurance.
- Flexible Coverage Options: Provides a wide range of customizable coverage options, enhancing its appeal. Explore our article “How can I pay my Travelers insurance premium?.”
Cons
- Customer Service Variability: Experiences with customer service can differ, even among the best auto insurance companies that sell policies online.
- Potentially High Deductibles: Some policies require higher deductibles, which could be a drawback for those considering the best auto insurance.
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#7 — Farmers: Best for Signal App
Pros
- Innovative Signal App: The Signal app offers discounts based on driving behavior, making Farmers stand out among the best auto insurance companies.
- Good Bundling Discount: This company offers a 20% discount for bundling policies, which adds to its appeal among the best auto insurance companies that sell policies online.
- Strong A.M. Best Rating: Rated A for financial stability, Farmers is recognized among the best auto insurance companies that sell policies online.
Cons
- Higher Premiums: These can be more expensive than other insurers, even among the best auto insurance companies that sell policies online. Learn more at “Farmers Insurance Review.”
- Service Quality Variability: Customer service quality can vary by location, affecting its ranking among the best auto insurance companies that sell policies online.
#8 — American Family: Best for Costco Members
Pros
- Special Costco Discounts: Costco members receive a 25% discount, making it a top choice among the best. Explore more at “American Family Insurance Review.”
- Robust Policy Options: Ranked #8 for comprehensive coverage options, American Family is a notable option.
- Good A.M. Best Rating: With an A rating, American Family is recognized for its financial strength.
Cons
- Limited Availability: It is not available in all states, which could be a limitation when considering the best auto insurance companies that sell policies online.
- Potentially Higher Premiums: Rates may be higher for some drivers among the best auto insurance companies compared to other insurers.
#9 — Allstate: Best for UBI Savings
Pros
- UBI Savings: Ranked #9 for offering savings through usage-based insurance programs, making Allstate a strong option among the best auto insurance companies.
- Generous Bundling Discount: This company provides a 25% discount for bundling policies, enhancing its appeal among the best auto insurance companies that sell policies online.
- Strong Financial Stability: Holds an A+ A.M. Best rating, positioning Allstate as one of the best auto insurance companies that sell policies online.
Cons
- Higher Base Rates: Initial premiums can be higher compared to competitors, even among the best auto insurance companies that sell policies online. Read more at “Allstate Insurance Review.”
- Mixed Customer Feedback: Reviews on customer service and claims handling can be inconsistent among the best auto insurance companies that sell policies online.
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#10 — The Hartford: Best for Organization Discount
Pros
- Organization Discounts: Ranked #10 for providing discounts to members of various organizations, making it a valuable choice.
- Strong A.M. Best Rating: Holds an A+ rating for financial stability, ensuring reliability among the best. Explore our article “How do I renew my car insurance policy with The Hartford?.”
- Good Senior Benefits: This company offers specialized benefits for senior drivers, enhancing its appeal among the best auto insurance companies that sell policies online.
Cons
- Lower Bundling Discount: This company offers only a 5% discount for bundling policies, which may be less attractive than other options among the best auto insurance companies.
- Service Quality Variability: Customer service experiences can vary, even among the best auto insurance companies that sell policies online.
The Best Auto Insurance Companies That Sell Online
Many auto insurance companies sell policies online, making it easy to buy auto insurance instantly. However, the hardest part is navigating the options and handling issues like car-totaled auto insurance complaints.
Online Policies Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $94 | $172 |
| $88 | $159 |
| $92 | $161 |
| $96 | $176 |
| $103 | $183 |
| $87 | $163 |
| $82 | $157 |
| $89 | $149 |
| $101 | $186 |
| $91 | $154 |
Fortunately, you can quickly request rates from auto insurance companies that sell online. In addition, most national auto insurance providers offer tools for you to get quotes through their websites.
Online Policies Car Insurance Monthly Rates by Provider| Insurance Company | Rates |
|---|---|
| $34 |
| $35 |
| $45 |
| $27 |
| $29 |
| $27 |
 | $21 |
You can also utilize free online car insurance rate tools to compare quotes from multiple providers simultaneously. It is also beneficial to discuss your options with an insurance agent. They can use their knowledge to point you in the right direction.
Getting an Auto Insurance Quote Online
It is quick and easy to secure auto insurance coverage online. Larger auto insurance companies, like our recommended providers above, almost always provide immediate coverage.
However, smaller auto insurance companies may need up to a month before your policy is effective. So, before you settle on a company, research so you know what to expect.
As you search for auto insurance companies that sell online, ensure you secure a new policy before canceling your old one. With a coverage lapse, you could be driving without auto insurance.
Online Policies Car Insurance Discounts by Provider| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Early Signing Discount, Anti-Theft, Sunday Policy Start Discount |
| Loyalty Discount, Steer into Savings, Multi-Vehicle, Defensive Driving, Sunday Start Bonus |
| Signal App Discount, Good Student, Multi-Car, Safe Driver, Weekend Policy Activation Discount |
 | Good Driver, Military, Multi-Policy, Emergency Deployment, Sunday Start Discount |
| RightTrack, Multi-Policy, Vehicle Safety Features, Accident-Free, Sunday Start Incentive |
| SmartRide, SmartMiles, Multi-Policy, Paperless Billing, Weekend Activation Discount |
| Snapshot, Multi-Policy, Continuous Insurance, Good Student, Sunday Policy Start Discount |
| Drive Safe & Save, Multi-Line, Good Student, Accident-Free, Sunday Activation Bonus |
| IntelliDrive, Multi-Policy, Hybrid/Electric Vehicle, Homeownership, Sunday Start Discount |
| Safe Driver, Military Installation, Annual Mileage, Family Discount, Sunday Policy Start Benefit |
Because driving without insurance is illegal in almost every state, you should be aware of your local laws and buy at least the minimum auto insurance required in your state.
If you lease or finance your car, full coverage auto insurance could be required before driving off the lot. Thankfully, you can personalize your auto insurance policy to cover what you need.
Compare rates and coverages from multiple car insurance companies to find your best deal. This video details how to get quotes from multiple insurers and get the coverage and rates you need.
To secure auto insurance online, you can request a quote through an auto insurance provider’s website or use the quote tools on an auto insurance comparison website.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool below to see affordable car insurance quotes.
How to Find Cheap Online Insurance Quotes
Some basic personal information is needed to get quotes from auto insurance companies that sell online.
Usually, you will be asked to provide the following: name, address, date of birth, coverage needs, driver’s license number, past insurance information, and vehicle identification number.
After you’ve provided some personal information, you’ll receive one or more auto insurance quotes. We recommend comparing at least three quotes before choosing a policy, but you’re not obligated to purchase.
If a company is missing important information about you, your coverage cannot start right away. For example, if a company cannot verify your address, it may not sell you a policy immediately.
You should also be aware that a down payment is almost always required before your auto insurance policy goes into effect.
In addition, reputable auto insurance companies never offer free coverage, so be cautious of any company that offers cheap auto insurance online with no down payment.
Buying auto insurance online is convenient, but high-risk drivers struggling to find traditional coverage may need to look elsewhere. If you’re a high-risk driver, buying from auto insurance companies that don’t sell online may be a better option.
The best way to get auto insurance quotes from companies that don’t sell online is to call the provider directly or talk with an agent.
If you’re too high-risk of a driver with multiple at-fault accidents on your record, or if you own a rare or specialty vehicle, you may not be able to secure same-day auto insurance.
The Insurance Information Institute offers tips for high-risk drivers who are having trouble finding coverage. Before deciding on an auto insurance company and policy, talk with an insurance agent about your options.
Enter your ZIP code below to compare cheap insurance rates.
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Anonymous Auto Insurance Quotes Online
Drivers often prefer to remain anonymous when shopping for auto insurance, including full coverage auto insurance, due to concerns about spam emails, unwanted calls, or a credit check that could impact their credit score.
Some may not want to share their personal information, like a home address, over the internet. Unfortunately, fully anonymous quotes do not exist because most auto insurance companies require at least your driver’s license number to apply.
Even still, the quotes you get might not be accurate. After you accept an offer, you’ll need to update your application information, which could lead to different rates.
Ultimately, your best option is to use a quote tool from a comparison website like this page. This will help you get quotes quickly to start your search immediately.
Auto Insurance Companies That Sell Online
Shopping for auto insurance online is easy and convenient. Plus, it’s more secure than some people might assume.
For the best auto insurance company that sells online in your area, compare rates from at least three companies. This helps you narrow down your options and avoid potential auto insurance fraud.
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You can save lots of money on auto insurance by purchasing a basic coverage policy, reducing your deductibles, and earning policy discounts. Some auto insurance companies even offer online shopping and paperless billing deals.
Are you ready to buy auto insurance from companies that sell online? Enter your ZIP code into our free tool below for instant auto insurance rates from companies that sell online in your area.
Frequently Asked Questions
What are the best auto insurance companies that sell policies online?
Progressive, State Farm, AAA, Liberty Mutual, Nationwide, Travelers, Farmers, American Family, Allstate, and The Hartford are the best auto insurance companies that sell policies online.
These companies offer a range of coverage options and discounts through their online platforms.
How can I compare auto insurance quotes online?
Using a free quote tool on reputable websites to compare auto insurance quotes online. Enter your ZIP code and basic personal information to receive quotes from multiple providers, allowing you to compare rates and coverage options easily.
Do all major auto insurance providers sell policies online?
Yes, almost all major auto insurance providers sell policies online, making it easy to find options like “Cheap Auto Insurance in Maine.” These providers’ user-friendly websites let you quickly purchase coverage and manage your policy.
What should I look for when choosing an auto insurance company online?
When choosing an auto insurance company online, consider factors such as customer service ratings, financial stability (A.M. Best rating), available discounts, coverage options, and reviews from other policyholders.
Are there any down payments required for online auto insurance policies?
Yes, most auto insurance companies require a down payment before your policy goes into effect. Be cautious of companies offering no down payment or free coverage, as these are often not reputable.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
Can I get full coverage auto insurance through online providers?
Yes, you can obtain full coverage auto insurance through many online providers. Full coverage typically includes liability, collision, and comprehensive coverage, which can be customized based on your needs.
With the rise of self-driving vehicles, understanding self-driving car statistics becomes increasingly essential, as these statistics can impact insurance rates and coverage options.
How do I handle car-totaled auto insurance complaints?
If you have complaints about a totaled car claim, contact your insurance company’s customer service or claims department. If the issue remains unresolved, consider contacting your state’s insurance commissioner or seeking legal advice.
What are the benefits of using a quote tool for auto insurance online?
Using a quote tool lets you quickly compare rates from multiple insurance providers, find the best coverage options, and potentially save money by identifying the most competitive offers.
Avoid overpaying for your car insurance by entering your ZIP code in our free comparison tool to find which company has the lowest rates.
How do I know if an auto insurance company is reputable?
Check the company’s A.M. Best rating, customer reviews, and industry reputation. A high A.M. Best rating indicates financial stability; positive reviews suggest reliable customer service.
Additionally, consider how average auto insurance rates by age and gender may affect your premiums, as these factors can vary significantly between providers and impact your overall insurance costs.
Can I adjust my auto insurance coverage mid-policy?
Yes, you can usually adjust your coverage mid-policy. Contact your insurance provider to discuss changes to your coverage and ensure that any modifications meet your current needs.
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Joseph Hoelscher
Criminal and Family Lawyer
Hoelscher is an award-winning criminal and family trial lawyer who has become a regular media commentator and scholarly author. His cases have been featured in national media, such as America's Most Wanted and Dateline, and he’s appeared on many major networks and been cited by publications, including U.S. News & World Report, Oprah Magazine, Reader's Digest, and the New York Daily News. ...
Criminal and Family Lawyer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.