Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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. 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.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 21, 2021

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The Short of It

  • Auto insurance companies use a variety of factors to determine your rates
  • Car insurance companies that match quotes are rare since each company evaluates your personal factors differently
  • Shopping around is the best way to find the lowest auto insurance rates

The quotes you are offered by auto insurance companies are calculated using a number of your personal factors. Each company will weigh those factors differently, which is why your rates will vary.

Auto insurance companies that beat quotes are difficult to find because they depend heavily on their own calculation methods, and rates are regulated. However, that doesn’t mean you can’t find companies that will beat a quote, even if it’s just with discounts.

Shop around to find affordable auto insurance companies that beat quotes. Although companies don’t exactly match or beat quotes, they still might offer you lower rates.

Enter your ZIP code now to compare free quotes from auto insurance companies that beat quotes with discounts and lower rates.

What auto insurance companies will beat quotes?

Auto insurance companies are all about risk. They use your personal factors to determine if you are likely to cost them money and adjust your rates accordingly.

However, each company will weigh risk differently. While one company may look at your speeding tickets and raise your rates, another company might not.

There aren’t really auto insurance companies that beat quotes in the sense that they will simply give you a lower rate to get your business.

That’s why the best method for finding low rates is to compare quotes from many different companies. Even if the companies you get quotes from won’t “beat” another company’s quote, you still might find a better deal while you’re shopping around.

You can easily get quotes from auto insurance companies that sell online and compare them to find the lowest rates for you.

To give you an idea of how much companies will differ in rates, this table shows the average rates from the top companies based on auto insurance coverage type.

Average Annual Auto Insurance Rates Based on Coverage Type

CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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You can see that these average rates differ wildly. And when you get personalized quotes, they’ll be tailored to your specific situation.

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What factors affect your auto insurance rates?

There are many factors that affect how much you pay for auto insurance. When your rates are being calculated, these are the most common factors used:

  • Driving record – Your driving record tells the insurance company a lot about you as a driver. If you have accidents, tickets, or DUIs, your rates will be significantly higher than if you had a clean driving record.
  • Age – Younger drivers have less experience and are more likely to be in an accident. Older drivers may have medical conditions that also make it more likely for them to be in an accident.
  • ZIP code – If you live in an area with high crime, a lot of traffic, or certain weather conditions, your rates will be higher to offset potential costs.
  • Credit score – Drivers who have a higher credit score are less likely to file a claim and might pay for damages out of pocket.
  • Vehicle – If you drive an expensive vehicle, repair or replacement costs will be much higher.

Each auto insurance company will look at these and other factors differently and come up with different rates.

Other things outside of your personal factors can also affect your rates. For example, CNBC reports that auto insurance rates are up due to higher repair costs, supply issues, and labor shortages from the COVID-19 pandemic.

Auto Insurance Companies That will Beat Quotes: The Bottom Line

Auto insurance companies that don’t beat quotes are the norm, since insurance rates are set based on regulations and rating guidelines.

Your rates are determined by your personal factors, and each company looks at those factors differently. That’s why you can simply shop around and not worry about finding car insurance companies that beat quotes.

You don’t need an auto insurance company that beats quotes to save. Enter your ZIP code now to compare quotes from companies in your area for free today.