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The Cheapest Car Insurance

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products in this article.

  • The cheapest car insurance company available nationwide to everyone is often GEICO, but not always.
  • The cheapest average annual rate for car insurance we found was $324 per year, or $27 per month.
  • State Farm may be the cheapest provider for drivers with speeding tickets and other violations.

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Low rates doesn’t necessarily mean low-quality coverage. In fact, some of the cheapest car insurance rates we found in our study were from some of the most highly-rated providers in many cases.

In this article, we rank companies with the best cheap car insurance in the country. You’ll find detailed reviews and rate estimates for our top providers, along with some strategies and advice for finding cheap car insurance quotes.

Cheapest Car Insurance

GEICO* has the cheapest national average rate estimate for a minimum coverage policy at $468 per year, or $39 per month**. However, the cheapest car insurance company for one driver may not be the cheapest for another. That’s because rates vary based on a few key factors.

In the list below, you’ll find the cheapest national provider and its estimate for drivers in several different categories:

  • Cheapest overall: GEICO at $39 per month*
  • Cheapest car insurance for drivers with an accident: State Farm at $157 per month
  • Cheapest car insurance for drivers with a speeding ticket: State Farm at $150 per month
  • Cheapest car insurance for seniors: Erie Insurance at $102 per month
  • Cheapest car insurance for drivers with a DUI: Nationwide at $239 per month
  • Cheapest car insurance for drivers with poor credit: GEICO at $173 per month
  • Cheapest for military members and their families: USAA at $28 per month

*While USAA technically offers the cheapest average rate estimate, the company’s coverage is only available to military members, veterans, and select family members. Some regional providers may offer cheaper rates in select areas. GEICO has the cheapest rate estimates among companies available to anyone nationwide.

**These estimates are based on a standardized profile of a 35-year-old driver with good credit and a clean driving record. All estimates that appear in this article use the same profile unless otherwise noted.

Cheapest Car Insurance in Each State

Each state has its own unique insurance regulations, risks, and other factors. As a result, the state in which you live has a substantial effect on your premiums. That means that the company that offers the cheapest car insurance in one state won’t necessarily offer the cheapest car insurance in another state.

Cheapest Minimum Coverage Policy in Each State

Minimum coverage policies will almost always be the cheapest car insurance option. In the table below, you’ll find the cheapest provider in each state for minimum liability policies, along with their monthly and annual rate estimate.

StateCheapest Car Insurance Company*Cheapest
Minimum Liability Rate
(Monthly Average)
Cheapest
Minimum Liability Rate
(Annual Average)
AlabamaGeico$30$360
AlaskaAllstate$24$291
ArizonaAuto-Owners$30$359
ArkansasSouthern Farm Bureau$26$307
CaliforniaGeico$33$398
ColoradoSouthern Farm Bureau$20$245
ConnecticutGeico$41$489
DelawareState Farm$50$599
District of ColumbiaChubb Limited$30$359
FloridaGeico$49$586
GeorgiaAuto-Owners$32$381
HawaiiGeico$28$340
IdahoAuto-Owners$15$181
IllinoisCountry Financial$27$328
IndianaAuto-Owners$27$318
IowaState Farm$17$198
KansasNationwide$27$324
KentuckyState Farm$32$381
LouisianaSouthern Farm Bureau$42$502
MaineAuto-Owners$18$215
MarylandGeico$39$468
MassachusettsThe Hanover$36$434
MichiganAuto-Owners$54$649
MinnesotaAuto-Owners$29$353
MississippiNational General$20$244
MissouriMissouri Farm Bureau$32$385
MontanaProgressive$18$215
NebraskaAuto-Owners$18$216
NevadaState Farm$51$614
New HampshireAuto-Owners$18$211
New JerseyGeico$47$565
New MexicoCentral Mutual Insurance$23$275
New YorkProgressive$64$766
North CarolinaNationwide$27$321
North DakotaNorth Star$22$267
OhioAuto-Owners$22$266
OklahomaAmerican Farmers & Ranchers$27$329
OregonState Farm$42$503
PennsylvaniaTravelers$28$338
Rhode IslandTravelers$47$561
South CarolinaAmerican National$20$241
South DakotaFarmers Mutual of Nebraska$14$171
TennesseeTennessee Farm Bureau$27$318
TexasTexas Farm Bureau$29$348
UtahGeico$39$471
VermontUnion Mutual$17$200
VirginiaAllstate$35$414
WashingtonPemco Mutual$23$271
West VirginiaErie Insurance$24$293
WisconsinErie Insurance$24$292
WyomingGeico$16$188
*USAA had the lowest rate estimates in many states. However, since the provider is only available to military members, veterans, and select family members, we listed the cheapest car insurance provider available to the general public in this table.

Cheapest Full-Coverage Car Insurance in Each State

Full-coverage policies offer much more financial protection than liability-only policies, covering your own property and other costs in the event of an accident. However, they do come at an additional cost.

The table below shows the cheapest providers for full-coverage policies in each state, along with their monthly and annual rate estimates.

StateCheapest Car Insurance Company*Cheapest Full-Coverage Rate (Monthly Average)Cheapest Full-Coverage Rate (Annual Average)
AlabamaNationwide$92$1,108
AlaskaGeico$90$1,084
ArizonaGeico$89$1,071
ArkansasState Farm$102$1,223
CaliforniaProgressive$122$1,460
ColoradoGeico$93$1,119
ConnecticutGeico$74$891
DelawareState Farm$105$1,265
District of ColumbiaGeico$78$939
FloridaGeico$161$1,937
GeorgiaGeico$103$1,238
HawaiiAllstate$117$1,404
IdahoState Farm$57$679
IllinoisCountry Financial$83$994
IndianaGeico$67$806
IowaState Farm$70$843
KansasNationwide$80$961
KentuckyGeico$94$1,127
LouisianaSouthern Farm Bureau$163$1,960
MaineAuto-Owners$46$557
MarylandGeico$92$1,100
MassachusettsProgressive$160$1,922
MichiganProgressive$128$1,530
MinnesotaState Farm$102$1,228
MississippiNational General$76$910
MissouriState Farm$112$1,339
MontanaProgressive$83$998
NebraskaFarmers Mutual Ins Co of NE$105$1,261
NevadaGeico$104$1,243
New HampshireState Farm$71$851
New JerseyGeico$113$1,359
New MexicoGeico$81$973
New YorkProgressive$108$1,300
North CarolinaNationwide$81$968
North DakotaState Farm$92$1,109
OhioGrange Mutual$62$738
OklahomaState Farm$104$1,251
OregonState Farm$83$1,000
PennsylvaniaNationwide$92$1,107
Rhode IslandGeico$119$1,429
South CarolinaAmerican National$57$678
South DakotaAmerican Family$107$1,288
TennesseeState Farm$87$1,042
TexasTexas Farm Bureau$84$1,013
UtahGeico$82$978
VermontState Farm$63$757
VirginiaErie Insurance$78$941
WashingtonPemco Mutual$99$1,193
West VirginiaNationwide$86$1,031
WisconsinGeico$62$738
WyomingAmerican National$73$877
*USAA had the lowest rate estimates in many states. However, since the provider is only available to military members, veterans, and select family members, we listed the cheapest car insurance provider available to the general public in this table.

Cheapest Minimum Coverage Car Insurance (National Average)

Minimum coverage policies are likely to be the most affordable car insurance available to you. These are plans that only satisfy the minimum coverage requirements in your state and typically only include liability coverage.

The table below shows the providers with the cheapest national average estimates for a minimum coverage policy. While Auto-Owners and Erie Insurance both have lower estimates, GEICO has the cheapest average estimate for minimum liability insurance policies among national providers.

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
Geico$39$468
State Farm$45$543
Nationwide$51$613
American Family$57$685
Progressive$57$687
*USAA$28$333
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Full Coverage Car Insurance (National Average)

While the definition of “full coverage” varies, in general, it refers to policies that include personal injury and property coverage in addition to liability insurance. The national average rate for full-coverage auto insurance is $1,730.

You’ll find the providers with the cheapest national estimates on full coverage car insurance. Nationwide offers the cheapest full coverage estimate among national providers.

Car Insurance CompanyMonthly Cost EstimateAnnual Cost Estimate
Nationwide$107$1,281
Geico$109$1,308
State Farm$123$1,481
American Family$128$1,537
Travelers$139$1,669
*USAA$88$1,054
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For Young Drivers

Age is one of the most important factors in the cost of your premiums. Younger drivers and especially teens pay some of the highest rates of any driver category. Rates also tend to go up for senior drivers, although not by as much.

Cheapest Car Insurance For 16-Year-Old Drivers

The average rate estimate for a full-coverage policy for a 16-year-old driver is $6,912 per year. Erie has the lowest average estimates for 16-year-olds overall, while State Farm has the cheapest car insurance for 16-year-old drivers among national providers.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Erie$284$3,410
Auto-Owners$294$3,533
State Farm$346$4,146
Geico$372$4,466
Nationwide$381$4,567

Cheapest Car Insurance For 18-Year-Old Drivers

On average, 18-year-old drivers pay around $4,958 for a full-coverage auto policy. Erie has the cheapest rate estimates among all providers, while GEICO has the cheapest estimates for 18-year-olds among national providers.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Erie$241$2,888
Auto-Owners$244$2,923
Geico$263$3,161
State Farm$278$3,340
American Family$303$3,641
*USAA$241$2,897
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For 21-Year-Old Drivers

Rates start to drop for drivers at the age of 21, who pay an average of $2,786 per year for full-coverage car insurance. GEICO tends to offer the lowest estimated rates for 21-year-old drivers.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Geico$154$1,844
Auto-Owners$173$2,074
Erie$175$2,103
Nationwide$179$2,147
State Farm$194$2,322
*USAA$134$1,609
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For 25-Year-Old Drivers

At an average rate of $2,019 per year for full coverage, costs for 25-year-old drivers start to approach those of middle-aged drivers. GEICO typically offers the cheapest car insurance for 25-year-olds.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Geico$118$1,420
Erie$127$1,523
Nationwide$130$1,556
Auto-Owners$132$1,590
State Farm$141$1,686
*USAA$108$1,292
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For Senior Drivers

Senior drivers sometimes pay higher premiums than middle-aged drivers, but not by too much. The national average rate for a 65-year-old driver is $1,648 per year for a full-coverage policy. Erie tends to offer the cheapest full-coverage rates for senior drivers, but GEICO typically has the most affordable rates among national insurers.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Erie$102$1,219
Geico$102$1,227
Auto-Owners$104$1,247
Nationwide$105$1,263
State Farm$113$1,353
*USAA$88$1,057
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For High-Risk Drivers

Insurers also use a variety of risk factors to calculate your rates. Having at-fault accidents, moving violations, or even a low credit score can increase the cost of your car insurance.

Cheapest Car Insurance For Drivers With a Speeding Ticket

Drivers with a speeding ticket on their record will typically find the cheapest car insurance rates with Nationwide.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Nationwide$138$1,656
State Farm$150$1,794
Geico$155$1,856
American Family$172$2,061
Progressive$193$2,311
*USAA$118$1,413
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For Drivers With an At-Fault Accident

State Farm tends to have the cheapest full coverage rates for drivers with a recent accident.

Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
State Farm$157$1,882
Nationwide$172$2,063
Geico$197$2,364
Progressive$235$2,822
Allstate$300$3,598
*USAA$138$1,647
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For Drivers With a DUI

While the amount varies by location and provider, a DUI increases insurance premiums by around 60% on average. State Farm typically offers the cheapest full-coverage rates for drivers with one DUI.

Car Insurance CompanyMonthly Rate Estimate With a DUIAnnual Rate Estimate With a DUI
State Farm$182$2,184
Progressive$194$2,328
Nationwide$239$2,868
Geico$281$3,372
Allstate$299$3,588
*USAA$186$2,232
*USAA is only available to military personnel, veterans, and select family members.

Cheapest Car Insurance For Drivers With Bad Credit

The states of California, Massachusetts, and New Hampshire have made it illegal to use your credit score as a factor in the cost of your premiums. In other states, having a lower credit score can increase your rates substantially.

GEICO tends to offer the lowest average estimates for drivers with bad credit.

Car Insurance CompanyMonthly Rate Estimate With Poor CreditAnnual Rate Estimate With Poor Credit
Geico$173$2,076
Progressive$210$2,520
Nationwide$186$2,232
State Farm$301$3,612
Allstate$314$3,768
*USAA$151$1,812
*USAA is only available to military personnel, veterans, and select family members.

Best Cheap Car Insurance Companies

While the cost of coverage is likely your primary concern, it’s also important to consider the quality of service you get for your money. Some insurance companies can be difficult to work, especially when it comes time to file a claim.

The table below shows our ranking of the best cheap car insurance companies, taking into consideration performance in our auto insurance study alongside the rates they offer.

Car Insurance CompanyOverall ScoreAverage Minimum Coverage Monthly EstimateAverage Full Coverage Monthly Estimate
GEICO4.6$39$109
State Farm4.7$45$123
Progressive4.4$51$107
Travelers4.5$61$139
Erie Insurance4.4$38$103
USAA*4.6$28$88

GEICO: Best Discount Selection

Throughout our research, we found that GEICO consistently offers some of the lowest estimated rates in most markets. But on top of that, the company features one of the most robust collections of car insurance discounts of any provider we reviewed. Combined, that means that many drivers may find the cheapest car insurance with GEICO that’s available to all drivers.

To learn more about the company, read our in-depth GEICO auto insurance review.

GEICO Pros & Cons

GEICO ProsGEICO Cons
Lots of discount opportunitiesQuote process could be easier
Available in all 50 statesCan be expensive for some high-risk drivers
Consistently low rates in most placesMixed reviews about claims process

State Farm: Best Overall

With an average rate estimate of $1,312 per year, State Farm isn’t typically the absolute cheapest provider. However, this year’s winner of Best Overall in our industry-wide insurance study is often among the top few most affordable options in many cases. When you consider the quality of coverage and service you get alongside the company’s competitive rates, State Farm is a strong option for many drivers, even if it isn’t always the cheapest.

Read our full-length State Farm auto insurance review to learn more.

State Farm Pros & Cons

State Farm ProsState Farm Cons
Largest network of in-person agents in the industrySome complaints about the online claims process
Lots of discounts for young drivers and studentsMobile app has mixed reviews
Easy quotes processMore complaints than some other top providers

Progressive: Best For High-Risk Drivers

Progressive was one of the first car insurance companies to offer affordable coverage to drivers with DUIs and those in other high-risk categories, beginning in the 1950s. Based on our research, that appears to be part of the company’s business model to this day. Our editors named Progressive Best For High-Risk Drivers because of the low rates it tends to offer drivers who typically face expensive premiums.

For more in-depth information, read our Progressive auto insurance review.

Progressive Pros & Cons

Progressive ProsProgressive Cons
Cheap rates for many high-risk driversAverage customer satisfaction ratings
Offers custom parts coverageLacks BBB accreditation
Usage-based insurance and telematics program availableCustomer complaints of unexpected rate increases

Travelers: Best Coverage Choices

For drivers looking for affordable rates with lots of coverage options to choose from, Travelers may be the right provider. We awarded the company Best Coverage Choices due to the plethora of additional coverages it offers. Drivers can add options like new car replacement coverage, rideshare coverage, and gap insurance while still keeping rates affordable.

Read our thorough Travelers car insurance review to see rate estimates and learn more about the provider.

Travelers Pros & Cons

Travelers ProsTravelers Cons
Large selection of coverage optionsBelow-average customer sastisfaction ratings
Has relatively few complaintsSome coverage options not available everywhere
Wide variety of discountsOnly available in 43 states

Erie Insurance: Best Cheap Regional Provider

In many locations, Erie Insurance is one of the cheapest car insurance companies for drivers in many different categories. The company also has a stellar reputation within the insurance industry and features a thorough selection of both coverage options and discounts.

Erie would likely rank higher in this list if it were available nationwide. Instead, the company only currently serves 12 states, primarily in the Midwest and Southeast of the U.S. However, for drivers in those states, Erie is certainly an option worth considering.

USAA: Best For Military Families

Technically speaking, USAA is often the absolute cheapest car insurance option in most places for drivers in most categories. However, these affordable rates come with a big asterisk, since most people aren’t eligible for an auto insurance policy from the provider. USAA is only available to members of the U.S. military, veterans, and certain family members. For those who are eligible, there is a good chance that USAA is the cheapest auto coverage available.

To learn more about USAA car insurance, read our comprehensive review of the provider.

USAA Pros & Cons

USAA ProsUSAA Cons
Consistently low ratesOnly available to military personnel, veterans, and select family members
Many discounts available
Useful coverage options for military families

Car Insurance Costs

To get low-cost car insurance, it helps to understand how auto insurance companies determine your premiums. Insurers use several factors to determine your individual risk level, charging higher rates to drivers who are considered riskier to insure and vice-versa.

Car Insurance Cost Factors

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

Here are some of the factors that can affect your car insurance premiums:

  • Car: The age, type, and price of your vehicle can influence the cost of your premium.
  • Age: Teen drivers and senior citizens usually pay the most for car insurance. Rates for middle-aged drivers tend to be lower.
  • Credit score: Your credit history plays a role in the cost of your insurance. The higher your score, the lower your premiums.
  • Coverage types: Policies that only satisfy minimum coverage requirements will typically have the lowest rates. Adding personal property and injury coverage or policy add-ons will increase your rates.
  • Coverage limits: Setting lower coverage limits typically gets you cheaper car insurance, but it also increases your risk of personal financial liability.
  • Driving history: If you have recent accidents, speeding tickets, or other violations on your driving record, you’ll have to pay more for car insurance. Drivers with a clean driving record have access to the lowest rates.
  • Deductible: Setting a low deductible means your out-of-pocket costs will be low when you need to file an insurance claim, but the lower your deductible is, the higher your premium is likely to be.
  • Location: Average car insurance premiums vary from state to state, but auto insurance rates can also vary depending on your ZIP code. If you live in a rural area, you will likely pay less than you would in a city.

Auto Insurance Discounts

Discounts are another factor in the cost of your premiums. Many providers offer discounts that can substantially reduce your rates. These are some of the most common discounts available from auto insurers:

  • Multi-policy discount: Also called a bundling discount, companies that offer multiple kinds of insurance typically offer discounts for combining your auto policy with other products like homeowners, renters, or life insurance.
  • Multi-car discount: You can often get a discount for insuring more than one car under the same policy.
  • Anti-theft discount: Insurers tend to offer discounts for having car alarms and other anti-theft devices installed on your vehicle.
  • Good student discount: Some companies reward students who maintain good grades in school with an auto insurance discount.
  • Safety equipment discount: You can sometimes get a discount for having safety features like additional airbags and anti-lock brakes installed on your car.
  • Affinity discount: Some insurers offer discounts to members of groups like the U.S. military, government workers, and more.
  • Paperless discount: Policyholders can often get a small discount for switching from getting paper bills in the mail to getting them digitally only.

Car Insurance Coverage

Unless you live in New Hampshire or Virginia, you’re required to carry car insurance. The types of coverage and the amount of coverage required vary from state to state.  Usually, this is some combination of liability coverage, personal injury protection, and uninsured or underinsured motorist coverage, but some states require additional coverage.

You can always opt for more coverage. But if you want to find the cheapest car insurance, you’ll want to look for a policy that only satisfies your state’s minimum coverage requirements.

Standard Coverage Options

These are the standard insurance options you’ll find at every provider:

  • Bodily injury liability insurance: Covers medical expenses and lost wages for others involved in an accident you caused.
  • Property damage liability insurance: Covers damages to others’ vehicles and personal property in an accident for which you are found at fault.
  • Uninsured motorist/underinsured motorist insurance: Covers your damages and costs related to injuries in an accident in which the at-fault driver does not have sufficient insurance coverage.
  • Personal injury protection (PIP): Also known as “no-fault” insurance, PIP covers you and your passengers’ medical expenses and lost wages regardless of who is found at fault for the accident. 
  • Medical payments (MedPay): Covers only medical expenses for you and your passengers, regardless of who is found at fault for an accident.
  • Collision coverage: Covers damages to your vehicle regardless of who caused the accident.
  • Comprehensive coverage: Covers damages to your vehicle that aren’t related to car accidents, such as treefall, extreme weather, and civil unrest.

How To Get Cheap Car Insurance

While some things about your driver profile are out of your control, there are some things you can do to try to get cheap auto insurance.

Shop Around

One of the most immediate ways to get cheaper coverage is simply to shop around for car insurance. This may take a little extra time – and may result in a few extra marketing calls and emails – but it’s more than worth it. You might be surprised at how much quotes vary between providers for the exact same driver profile.

These days, it’s easy to get free quotes online from multiple providers with just a little bit of information and a few minutes of your time. Doing so allows you to compare rates and find the cheapest auto insurance available to you right now.

Look For Car Insurance Discounts

Almost every provider offers at least a few discounts you can apply to your car insurance policy. Some of these are more general, while others are targeted toward specific drivers. You can find a list of a provider’s discounts on their website (or in our reviews), but since the availability of discounts may vary, it’s always a good move to ask a local insurance agent which discounts you can use.

Consider Your Coverage

Experts generally agree that it’s a good idea to have a full coverage policy. While the definition of “full coverage” varies somewhat, in general, it refers to a policy that includes coverage for your property and medical expenses in addition to liability coverage.

However, if you’re looking to get the cheapest car insurance, it’s worth considering what coverage you need and what you can live without. For example, if you have an older, less-expensive car you may not need the same coverage levels and limits as you would for a brand-new vehicle.

Raise Your Deductible

The amount of your deductible is one of the key factors in the cost of your premiums. The lower it is, the less you’ll have to pay out of pocket toward a claim, but the more you’ll have to pay for coverage.

Increasing your deductible is an immediate way to get cheaper rates, but it does put you at some financial risk. Be realistic about what you can afford to pay in the event of an unexpected covered loss and consider raising your deductible to the maximum amount you’re comfortable with.

Check Out Regional Providers

For the purpose of this article, we focused mainly on providers that offer coverage nationwide. However, in many places, the cheapest auto insurance companies were smaller providers that only serve specific states or regions.

Don’t overlook these smaller providers. Many offer similar options, discounts, and customer service as their national competitors – sometimes at cheaper rates.

Try Usage-Based Insurance

Many providers now offer usage-based insurance, which charges you by the mile rather than a flat premium. People who don’t drive much are likely to see lower rates on their coverage. This may be a good option if you live in a walkable area, work from home, or otherwise don’t need to drive much.

Consider a Telematics Program

These days, most car insurance companies have mobile app-based programs that monitor your driving habits and report them back to the company. If you practice good driving habits, you’ll see your premiums go down. Many companies even give an immediate discount simply for signing up for their telematics program.

However, you should be realistic about your own driving habits and make sure you understand which behaviors factor into your rates. If you practice habits that your insurer deems unsafe, you could also see your rates go up. Some companies penalize drivers for things like driving at night, which may be necessary depending on your life and work patterns. It’s also worth considering whether or not you want to hand over that much data to your insurance company.

Enroll in a Safe Driving Course

Several insurers in our study offer discounts for completing a defensive driving class approved by the company or state agencies. Typically called a good driver or safe driver discount, the savings on your policy tend to outweigh the cost of a course. Brushing up on safe driving habits can also help you avoid accidents and violations that cause your rates to go up.

Improve Your Credit Score

This isn’t a quick fix, as repairing your credit score takes a long time. However, if you live in a state where your insurer is legally allowed to use your credit rating as a factor in your premiums, you likely pay substantially more for coverage if you have a poor or even fair credit score.

Make sure to pay your bills on time and work towards paying down your credit card and other loan balances. In time, a consistent history of good credit habits will bring your score up and your premiums down.

Cheapest Car Insurance: Conclusion

The cheapest car insurance will almost always be a minimum liability policy. The cheapest rate we saw for a minimum coverage policy available nationwide to everyone was $39 per month from GEICO. However, several regional providers such as The Grange and Erie Insurance offered even lower rate estimates in the areas they serve. USAA also has lower rate estimates but is only available to military personnel, veterans, and select family members.

If you can afford to add coverage such as collision and comprehensive, along with some personal injury coverage, you can insulate yourself from financial risk. Depending on your driver profile, you may find full coverage policies that are relatively affordable and offer much more protection than a minimum coverage auto policy.

We outlined a number of tactics to help you find more affordable auto coverage. However, the most important is to obtain and compare auto insurance quotes from several providers – including smaller regional ones. It’s quick, easy, and the only way to truly know which insurer offers you the cheapest car insurance.

Compare Car Insurance Rates

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Cheapest Car Insurance: FAQ

Who normally has the cheapest car insurance?

On average, GEICO and State Farm normally offer the cheapest car insurance coverage that’s available to everyone, according to our research. USAA has lower average rates, but it is only available to military members, veterans, and their families. Some regional providers offer lower rates in the limited areas they serve.

Why is my car insurance rate so high?

If your car insurance rate is high, it could be for a number of reasons. Factors that affect the cost of your insurance include your age, driving history, credit score, and location. In addition, car insurance rates have gone up across the board in recent years.

What is the cheapest level of car insurance?

The cheapest car insurance will almost always be your state’s minimum required coverage. This typically includes bodily injury and property damage liability insurance. Some states require additional insurance, such as uninsured/underinsured motorist coverage.

Is GEICO really cheap?

GEICO is really cheap for many drivers in many different places. Throughout our study, GEICO had among the lowest estimated rates in most markets.

Is GEICO cheaper than Liberty Mutual?

In most cases, GEICO is cheaper than Liberty Mutual for car insurance. While Liberty Mutual insurance rates are often competitive, GEICO is consistently among the cheapest providers in most markets.

Why are GEICO rates so low?

One of the reasons GEICO rates are so low is that the company is a direct provider, meaning it administers its coverage and claims directly. Many companies use a third-party company to administer their auto insurance policies, which adds cost.

How can I reduce my car insurance?

You can reduce your car insurance costs immediately by cutting back on coverages and coverage limits, increasing your deductible, and applying any discounts available. You can also enroll in a defensive driving course, try a telematics program, or switch to usage-based insurance. When it’s time to sign up for a new policy, the best way to reduce your car insurance premium is to shop around by getting and comparing quotes from multiple providers.

What age has the cheapest car insurance?

Drivers between the ages of 35 and 65 typically have access to the cheapest car insurance. Teen drivers tend to pay the highest rates, with premiums going down as they get older. Some insurers charge slightly higher rates to senior drivers.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.