Cheapest auto insurance companies by state
If you're comparing car insurance companies to find the cheapest auto insurance, here you'll find out the average car insurance rate for major carriers in your state. Insurance.com's rate analysis ranks the car insurance companies by price for you so you can quickly find the best deals.
In the chart below, you'll see the average rate for the following liability limits, which pay for injuries/damage you cause others, and comprehensive and collision, which pay for damage to your car:
Full Coverage 100/300/100
- Bodily injury liability -- $100,000 per person/$300,000 maximum per accident for bodily injury
- Property damage liability -- $100,000 for property damage
- Comprehensive and collision coverage with $500 deductible
Enter your state in the search field to see average rates by company, based on an Insurance.com rate analysis of up to six major insurers in nearly every ZIP code of the state.
| State | Company | Average annual rate |
|---|---|---|
| Alaska | State Farm | $979 |
| Alaska | Geico | $1,075 |
| Alaska | Progressive | $1,080 |
| Alaska | Allstate | $1,304 |
| Alabama | Geico | $759 |
| Alabama | Mid Century | $1,172 |
| Alabama | Nationwide | $1,197 |
| Alabama | Allstate | $1,257 |
| Alabama | State Farm | $1,572 |
| Alabama | Progressive | $1,840 |
| Arkansas | Geico | $980 |
| Arkansas | State Farm | $1,165 |
| Arkansas | Farmers | $1,176 |
| Arkansas | Nationwide | $1,483 |
| Arkansas | Progressive | $1,594 |
| Arkansas | Allstate | $1,821 |
| Arizona | Geico | $977 |
| Arizona | Progressive | $1,047 |
| Arizona | Farmers | $1,195 |
| Arizona | State Farm | $1,392 |
| Arizona | Nationwide | $1,719 |
| Arizona | Allstate | $1,807 |
| California | Geico | $944 |
| California | United Financial | $1,128 |
| California | Nationwide | $1,379 |
| California | Nationwide | $1,756 |
| California | Farmers | $1,932 |
| California | State Farm | $1,967 |
| Colorado | Geico | $813 |
| Colorado | State Farm | $1,241 |
| Colorado | Farmers | $1,516 |
| Colorado | Progressive | $1,559 |
| Colorado | Allstate | $1,889 |
| Connecticut | Geico | $946 |
| Connecticut | Nationwide | $1,254 |
| Connecticut | State Farm | $1,463 |
| Connecticut | Progressive | $2,026 |
| Connecticut | Allstate | $2,462 |
| Connecticut | Foremost | $2,478 |
| DC | Geico | $713 |
| DC | Progressive | $1,496 |
| DC | State Farm | $1,518 |
| DC | Nationwide | $1,977 |
| DC | Allstate | $2,913 |
| Delaware | Geico | $1,134 |
| Delaware | Progressive | $1,333 |
| Delaware | Nationwide | $1,492 |
| Delaware | State Farm | $1,872 |
| Delaware | Allstate | $2,398 |
| Florida | Geico | $1,192 |
| Florida | State Farm | $1,611 |
| Florida | Progressive | $1,754 |
| Florida | 21st Century Centennial | $1,972 |
| Florida | Allstate | $2,584 |
| Georgia | Geico | $762 |
| Georgia | Nationwide | $1,303 |
| Georgia | State Farm | $1,372 |
| Georgia | Progressive | $1,563 |
| Georgia | Allstate | $1,701 |
| Hawaii | Geico | $857 |
| Hawaii | State Farm | $1,023 |
| Hawaii | Allstate | $1,389 |
| Hawaii | Progressive | $1,646 |
| Hawaii | Farmers | $2,376 |
| Iowa | Amco Ins Co | $645 |
| Iowa | Geico | $693 |
| Iowa | Farmers | $933 |
| Iowa | State Farm | $945 |
| Iowa | Progressive | $1,286 |
| Iowa | Allstate | $1,589 |
| Idaho | Geico | $713 |
| Idaho | Farmers | $800 |
| Idaho | State Farm | $845 |
| Idaho | Progressive | $848 |
| Idaho | Depositors Ins Co | $863 |
| Idaho | Allstate | $1,577 |
| Illinois | Geico | $590 |
| Illinois | Amco Ins Co | $678 |
| Illinois | State Farm | $1,011 |
| Illinois | Illinois Farmers | $1,170 |
| Illinois | Progressive | $1,193 |
| Illinois | Allstate | $1,375 |
| Indiana | Geico | $651 |
| Indiana | Illinois Farmers | $748 |
| Indiana | Progressive | $854 |
| Indiana | Nationwide | $866 |
| Indiana | State Farm | $1,095 |
| Indiana | Allstate | $1,569 |
| Kansas | Nationwide | $814 |
| Kansas | Geico | $823 |
| Kansas | State Farm | $1,166 |
| Kansas | Farmers | $1,249 |
| Kansas | Progressive | $1,682 |
| Kansas | Allstate | $1,718 |
| Kentucky | Geico | $881 |
| Kentucky | Nationwide | $1,631 |
| Kentucky | Progressive | $1,693 |
| Kentucky | State Farm | $1,734 |
| Kentucky | Allstate | $2,822 |
| Louisiana | Geico | $1,540 |
| Louisiana | State Farm | $2,023 |
| Louisiana | Allstate | $2,316 |
| Louisiana | Progressive | $2,881 |
| Massachusetts | Geico | $865 |
| Massachusetts | State Farm | $884 |
| Massachusetts | Progressive | $1,272 |
| Massachusetts | Allstate | $1,742 |
| Maryland | Progressive | $1,102 |
| Maryland | Nationwide | $1,114 |
| Maryland | Geico | $1,199 |
| Maryland | State Farm | $1,357 |
| Maryland | Allstate | $2,177 |
| Maine | Geico | $517 |
| Maine | State Farm | $948 |
| Maine | Progressive | $1,025 |
| Maine | Allstate | $1,212 |
| Michigan | Geico | $1,027 |
| Michigan | Progressive | $1,714 |
| Michigan | Titan | $2,177 |
| Michigan | Allstate | $2,849 |
| Michigan | State Farm | $3,135 |
| Michigan | Farmers | $3,999 |
| Minnesota | Geico | $935 |
| Minnesota | Illinois Farmers | $1,030 |
| Minnesota | Allied | $1,188 |
| Minnesota | State Farm | $1,190 |
| Minnesota | Progressive | $1,295 |
| Minnesota | Allstate | $1,483 |
| Missouri | Allied | $724 |
| Missouri | Geico | $800 |
| Missouri | Farmers | $1,051 |
| Missouri | State Farm | $1,279 |
| Missouri | Progressive | $1,303 |
| Missouri | Allstate | $1,769 |
| Mississippi | Geico | $894 |
| Mississippi | Nationwide | $1,184 |
| Mississippi | Progressive Gulf Ins Co | $1,268 |
| Mississippi | State Farm | $1,353 |
| Mississippi | Allstate | $1,917 |
| Montana | Geico | $848 |
| Montana | Progressive | $1,112 |
| Montana | State Farm | $1,149 |
| Montana | Depositors | $1,238 |
| Montana | Mid Century | $1,244 |
| Montana | Allstate | $1,753 |
| North Carolina | Progressive | $622 |
| North Carolina | Geico | $704 |
| North Carolina | State Farm | $845 |
| North Carolina | Farmers | $1,046 |
| North Carolina | Nationwide | $1,071 |
| North Carolina | Nationwide | $1,205 |
| North Carolina | Allstate | $1,230 |
| North Dakota | Allied | $753 |
| North Dakota | Geico | $897 |
| North Dakota | Progressive | $1,047 |
| North Dakota | State Farm | $1,132 |
| North Dakota | Allstate | $1,502 |
| North Dakota | Mid Century | $2,560 |
| Nebraska | Allied | $711 |
| Nebraska | Geico | $978 |
| Nebraska | State Farm | $1,003 |
| Nebraska | Mid Century | $1,192 |
| Nebraska | Allstate | $1,393 |
| Nebraska | Progressive | $1,403 |
| New Hampshire | Geico | $550 |
| New Hampshire | Nationwide | $867 |
| New Hampshire | State Farm | $1,036 |
| New Hampshire | Progressive | $1,465 |
| New Hampshire | Allstate | $1,588 |
| New Jersey | 21st Century Centennial | $762 |
| New Jersey | Geico | $1,104 |
| New Jersey | Progressive | $1,255 |
| New Jersey | Allstate NJ | $1,761 |
| New Jersey | State Farm | $1,847 |
| New Mexico | Geico | $894 |
| New Mexico | Progressive | $998 |
| New Mexico | State Farm | $1,177 |
| New Mexico | Farmers | $1,251 |
| New Mexico | Allstate | $1,948 |
| Nevada | Geico | $1,342 |
| Nevada | Mid Century | $1,537 |
| Nevada | Progressive | $1,663 |
| Nevada | State Farm | $1,726 |
| Nevada | Victoria | $1,955 |
| Nevada | Allstate | $2,256 |
| New York | Geico | $993 |
| New York | Progressive | $1,160 |
| New York | Allstate | $1,587 |
| New York | State Farm | $1,855 |
| New York | Nationwide | $2,098 |
| New York | Foremost | $2,858 |
| Ohio | Geico | $619 |
| Ohio | State Farm | $881 |
| Ohio | Farmers | $887 |
| Ohio | Progressive | $999 |
| Ohio | Nationwide | $1,015 |
| Ohio | Allstate | $1,310 |
| Oklahoma | Geico | $1,050 |
| Oklahoma | Farmers | $1,327 |
| Oklahoma | State Farm | $1,416 |
| Oklahoma | Allstate | $1,918 |
| Oklahoma | Progressive | $2,506 |
| Oregon | Geico | $933 |
| Oregon | State Farm | $1,043 |
| Oregon | Nationwide | $1,121 |
| Oregon | Progressive | $1,238 |
| Oregon | Farmers | $1,594 |
| Oregon | Allstate | $1,656 |
| Pennsylvania | Geico | $703 |
| Pennsylvania | Nationwide | $711 |
| Pennsylvania | State Farm | $1,284 |
| Pennsylvania | Allstate | $1,729 |
| Pennsylvania | Progressive | $3,183 |
| Rhode Island | State Farm | $1,132 |
| Rhode Island | Geico | $1,292 |
| Rhode Island | Nationwide | $1,678 |
| Rhode Island | Progressive | $2,092 |
| Rhode Island | Allstate | $2,246 |
| South Carolina | Geico | $1,050 |
| South Carolina | Allstate | $1,178 |
| South Carolina | Nationwide | $1,200 |
| South Carolina | Progressive | $1,359 |
| South Carolina | State Farm | $1,511 |
| South Dakota | Geico | $708 |
| South Dakota | Nationwide | $938 |
| South Dakota | Mid Century | $982 |
| South Dakota | State Farm | $1,052 |
| South Dakota | Progressive | $1,110 |
| South Dakota | Allstate | $1,562 |
| Tennessee | Geico | $764 |
| Tennessee | Nationwide | $796 |
| Tennessee | State Farm | $1,131 |
| Tennessee | Progressive | $1,223 |
| Tennessee | Mid Century | $1,576 |
| Tennessee | Allstate | $1,794 |
| Texas | Farmers | $905 |
| Texas | Geico | $1,027 |
| Texas | Colonial | $1,247 |
| Texas | Progressive | $1,328 |
| Texas | State Farm | $1,348 |
| Texas | Allstate | $1,949 |
| Utah | Geico | $684 |
| Utah | Mid Century | $1,016 |
| Utah | Allied | $1,119 |
| Utah | Allstate | $1,353 |
| Utah | Progressive | $1,503 |
| Utah | State Farm | $1,518 |
| Virginia | Nationwide | $744 |
| Virginia | Geico | $894 |
| Virginia | State Farm | $969 |
| Virginia | Allstate | $1,102 |
| Virginia | Progressive | $1,150 |
| Vermont | Geico | $485 |
| Vermont | Nationwide | $789 |
| Vermont | Progressive | $1,103 |
| Vermont | Allstate | $1,183 |
| Vermont | State Farm | $1,255 |
| Washington | Nationwide | $1,028 |
| Washington | Geico | $1,075 |
| Washington | Progressive | $1,092 |
| Washington | State Farm | $1,160 |
| Washington | Farmers | $1,335 |
| Washington | Allstate | $1,455 |
| Wisconsin | Geico | $663 |
| Wisconsin | State Farm | $914 |
| Wisconsin | Mid Century | $1,021 |
| Wisconsin | Artisan | $1,176 |
| Wisconsin | Allstate | $1,484 |
| Wisconsin | Nationwide | $2,851 |
| West Virginia | Geico | $1,149 |
| West Virginia | Progressive | $1,238 |
| West Virginia | State Farm | $1,309 |
| West Virginia | Nationwide | $1,327 |
| West Virginia | Allstate | $1,853 |
| Wyoming | State Farm | $1,128 |
| Wyoming | Geico | $1,287 |
| Wyoming | Farmers | $1,688 |
| Wyoming | Allstate | $1,874 |
*Rates were fielded by Quadrant Information Services from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2016 Honda Accord. Full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
As you can see, among top insurers from whom rates were commissioned, Geico is the cheapest car insurance company in the nation's capital and every state, except the following:
- Alaska
- Iowa
- Kansas
- Maryland
- Missouri
- North Carolina
- North Dakota
- Nebraska
- New Jersey
- Rhode Island
- Texas
- Virginia
- Washington
- Wyoming
Here are nationwide average car insurance rates by company:
- Geico: $901
- Nationwide/Allied; $1,227
- State Farm: $1,313
- Farmers: $1, 351
- Progressive: $1,415
- Allstate: $1,758
How to save on car insurance
There are some standard guidelines for buying car insurance that will keep costs down. They include the following:
- Compare car insurance quotes at least once a year, and also if you move, buy a car, add or drop a driver, get married
- Maintain good credit
- Ask for discounts
- Choose a high deductible if you can afford to pay toward the repair of your car
- Don't buy comprehensive and collision if your car is more than 10 years old or worth less than $3,000
How to compare car insurance companies
While everyone loves to save money, when shopping for car insurance, price shouldn't be the only factor you consider. An Insure.com survey of 3,700 customers yielded the following results, with all scores out of 100.You'll see that though Geico is the cheapest car insurance company among those surveyed in Insurance.com's rate analysis, Allstate scored No. 1 in value for the price, customer service and claims handling. Allstate and Progressive have higher overall scores than Geico. Although by a narrow margin, Geico placed last on customer service, and was beat by Allstate, Nationwide and Farmers on claims handling.
Auto insurance companies ranked on value, customer service and claims handling
| Company | Overall Score |
|---|---|
| Allstate | 88.34 |
| Progressive | 86.56 |
| Geico | 86 |
| Farmers | 85.24 |
| State Farm | 84.76 |
| Nationwide | 84.4 |
| Company | Value for Price |
| Allstate | 84.8 |
| Progressive | 84.24 |
| Geico | 83.39 |
| Farmers | 82.1 |
| State Farm | 80.85 |
| Nationwide | 78.25 |
| Company | Customer Service |
| Allstate | 89.35 |
| Progressive | 87.27 |
| Farmers | 86.61 |
| State Farm | 86.5 |
| Nationwide | 86.49 |
| Geico | 86.25 |
| Company | Claims |
| Allstate | 94 |
| Nationwide | 92.82 |
| Farmers | 90.64 |
| Geico | 90.43 |
| Progressive | 90.29 |
| State Farm | 88.64 |
Related articles: How to compare car insurance quotes and 5 ways to compare car insurance companies -- provide additional details and tips when you're shopping for car insurance.
