Cheapest car insurance companies in Grafton
A recent data analysis by Insurance.com found the cheapest car insurance companies are American Family and Nationwide in Grafton for 2023.
The car insurance company in Grafton that provides the cheapest car insurance premiums is American Family, with an average annual rate of $907 .
In Grafton, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| USAA | $823 |
| American Family | $907 |
| Nationwide | $1,133 |
| Progressive | $1,348 |
| Auto-Owners | $1,712 |
| State Farm | $1,778 |
| Geico | $1,804 |
| North Star Mutual | $1,902 |
| Farmers | $1,990 |
| Allstate | $2,315 |
| Nodak Insurance | $2,320 |
Cheapest car insurance cost in Grafton by Age Group
In Grafton, American Family is the cheapest car insurance company for teenagers, offering full coverage policies at $2,357 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
For young drivers in Grafton, American Family has the cheapest auto insurance rates, with an average annual cost of $1,328 annually.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Grafton is USAA. Its average rate for a full coverage car insurance policy is $888 per year.
USAA tops the list in terms of affordability for senior drivers in Grafton. With an average annual premium of $766, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| American Family | $2,357 | $1,328 | $893 | $839 |
| Nationwide | $3,256 | $1,779 | $1,104 | $1,007 |
| Auto-Owners | $3,856 | $2,628 | $1,703 | $1,560 |
| USAA | $4,128 | $1,591 | $888 | $766 |
| North Star Mutual | $4,212 | $2,957 | $1,811 | $1,677 |
| State Farm | $4,778 | $2,873 | $1,775 | $1,619 |
| Nodak Insurance | $5,548 | $3,433 | $2,120 | $2,063 |
| Progressive | $6,075 | $2,129 | $1,357 | $1,284 |
| Allstate | $7,975 | $3,508 | $2,283 | $2,280 |
| Geico | $8,130 | $4,066 | $2,625 | $2,838 |
| Farmers | $8,173 | $2,614 | $1,912 | $1,733 |
Cheapest car insurance companies in Grafton by driver profile
Insurers in Grafton consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
Comparison shopping is the key to getting the cheapest car insurance rates in Grafton. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here's a list of car insurance companies that offer cheap insurance rates in Grafton based on driver profile.
- Cheapest for a driver with poor credit: USAA
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: USAA
Drivers in Grafton with poor credit can get the cheapest car insurance from USAA at an average cost of $1,303 a year, according to a data study by Insurance.com.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| USAA | $1,303 |
| Nationwide | $1,366 |
| Geico | $1,784 |
| Progressive | $2,170 |
| Farmers | $2,227 |
| Allstate | $2,628 |
| State Farm | $2,975 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Grafton. Its full coverage car insurance policy costs an average of $881 per year for drivers aged 30.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $881 |
| Nationwide | $1,416 |
| State Farm | $1,531 |
| Progressive | $1,541 |
| Geico | $1,612 |
| Farmers | $1,988 |
| Allstate | $2,130 |
Cheapest auto insurance after an at-fault accident: USAA
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Grafton drivers with at-fault accidents. It provides coverage at an average annual cost of $1,113.
| Company | Average annual rates |
|---|---|
| USAA | $1,113 |
| Nationwide | $1,504 |
| State Farm | $1,617 |
| Progressive | $1,902 |
| Farmers | $2,225 |
| Allstate | $2,382 |
| Geico | $3,248 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Grafton. On average, its annual full coverage rate is $1,531, making it a significantly cheaper option than other insurance providers.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,531 |
| Progressive | $1,566 |
| USAA | $1,772 |
| Farmers | $2,259 |
| Nationwide | $2,507 |
| Allstate | $3,701 |
| Geico | $7,215 |
Average car insurance cost in Grafton
Full coverage car insurance in Grafton for a coverage limit of 100/300/100 is $1,639 per year or $137 per month, while the state minimum coverage costs an average of $342 a year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $1,639 | $342 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
