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Cheapest auto insurance companies by state

By Posted : May 8, 2018

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.

StateCompanyAverage annual rate
AlaskaState Farm$979
AlaskaGeico$1,075
AlaskaProgressive$1,080
AlaskaAllstate$1,304
AlabamaGeico$759
AlabamaMid Century$1,172
AlabamaNationwide$1,197
AlabamaAllstate$1,257
AlabamaState Farm$1,572
AlabamaProgressive$1,840
ArkansasGeico$980
ArkansasState Farm$1,165
ArkansasFarmers$1,176
ArkansasNationwide$1,483
ArkansasProgressive$1,594
ArkansasAllstate$1,821
ArizonaGeico$977
ArizonaProgressive$1,047
ArizonaFarmers$1,195
ArizonaState Farm$1,392
ArizonaNationwide$1,719
ArizonaAllstate$1,807
CaliforniaGeico$944
CaliforniaUnited Financial$1,128
CaliforniaNationwide$1,379
CaliforniaNationwide$1,756
CaliforniaFarmers$1,932
CaliforniaState Farm$1,967
ColoradoGeico$813
ColoradoState Farm$1,241
ColoradoFarmers$1,516
ColoradoProgressive$1,559
ColoradoAllstate$1,889
ConnecticutGeico$946
ConnecticutNationwide$1,254
ConnecticutState Farm$1,463
ConnecticutProgressive$2,026
ConnecticutAllstate$2,462
ConnecticutForemost$2,478
DCGeico$713
DCProgressive$1,496
DCState Farm$1,518
DCNationwide$1,977
DCAllstate$2,913
DelawareGeico$1,134
DelawareProgressive$1,333
DelawareNationwide$1,492
DelawareState Farm$1,872
DelawareAllstate$2,398
FloridaGeico$1,192
FloridaState Farm$1,611
FloridaProgressive$1,754
Florida21st Century Centennial$1,972
FloridaAllstate$2,584
GeorgiaGeico$762
GeorgiaNationwide$1,303
GeorgiaState Farm$1,372
GeorgiaProgressive$1,563
GeorgiaAllstate$1,701
HawaiiGeico$857
HawaiiState Farm$1,023
HawaiiAllstate$1,389
HawaiiProgressive$1,646
HawaiiFarmers$2,376
IowaAmco Ins Co$645
IowaGeico$693
IowaFarmers$933
IowaState Farm$945
IowaProgressive$1,286
IowaAllstate$1,589
IdahoGeico$713
IdahoFarmers$800
IdahoState Farm$845
IdahoProgressive$848
IdahoDepositors Ins Co$863
IdahoAllstate$1,577
IllinoisGeico$590
IllinoisAmco Ins Co$678
IllinoisState Farm$1,011
IllinoisIllinois Farmers$1,170
IllinoisProgressive$1,193
IllinoisAllstate$1,375
IndianaGeico$651
IndianaIllinois Farmers$748
IndianaProgressive$854
IndianaNationwide$866
IndianaState Farm$1,095
IndianaAllstate$1,569
KansasNationwide$814
KansasGeico$823
KansasState Farm$1,166
KansasFarmers$1,249
KansasProgressive$1,682
KansasAllstate$1,718
KentuckyGeico$881
KentuckyNationwide$1,631
KentuckyProgressive$1,693
KentuckyState Farm$1,734
KentuckyAllstate$2,822
LouisianaGeico$1,540
LouisianaState Farm$2,023
LouisianaAllstate$2,316
LouisianaProgressive$2,881
MassachusettsGeico$865
MassachusettsState Farm$884
MassachusettsProgressive$1,272
MassachusettsAllstate$1,742
MarylandProgressive$1,102
MarylandNationwide$1,114
MarylandGeico$1,199
MarylandState Farm$1,357
MarylandAllstate$2,177
MaineGeico$517
MaineState Farm$948
MaineProgressive$1,025
MaineAllstate$1,212
MichiganGeico$1,027
MichiganProgressive$1,714
MichiganTitan$2,177
MichiganAllstate$2,849
MichiganState Farm$3,135
MichiganFarmers$3,999
MinnesotaGeico$935
MinnesotaIllinois Farmers$1,030
MinnesotaAllied$1,188
MinnesotaState Farm$1,190
MinnesotaProgressive$1,295
MinnesotaAllstate$1,483
MissouriAllied$724
MissouriGeico$800
MissouriFarmers$1,051
MissouriState Farm$1,279
MissouriProgressive$1,303
MissouriAllstate$1,769
MississippiGeico$894
MississippiNationwide$1,184
MississippiProgressive Gulf Ins Co$1,268
MississippiState Farm$1,353
MississippiAllstate$1,917
MontanaGeico$848
MontanaProgressive$1,112
MontanaState Farm$1,149
MontanaDepositors$1,238
MontanaMid Century$1,244
MontanaAllstate$1,753
North CarolinaProgressive$622
North CarolinaGeico$704
North CarolinaState Farm$845
North CarolinaFarmers$1,046
North CarolinaNationwide$1,071
North CarolinaNationwide$1,205
North CarolinaAllstate$1,230
North DakotaAllied$753
North DakotaGeico$897
North DakotaProgressive$1,047
North DakotaState Farm$1,132
North DakotaAllstate$1,502
North DakotaMid Century$2,560
NebraskaAllied$711
NebraskaGeico$978
NebraskaState Farm$1,003
NebraskaMid Century$1,192
NebraskaAllstate$1,393
NebraskaProgressive$1,403
New HampshireGeico$550
New HampshireNationwide$867
New HampshireState Farm$1,036
New HampshireProgressive$1,465
New HampshireAllstate$1,588
New Jersey21st Century Centennial$762
New JerseyGeico$1,104
New JerseyProgressive$1,255
New JerseyAllstate NJ$1,761
New JerseyState Farm$1,847
New MexicoGeico$894
New MexicoProgressive$998
New MexicoState Farm$1,177
New MexicoFarmers$1,251
New MexicoAllstate$1,948
NevadaGeico$1,342
NevadaMid Century$1,537
NevadaProgressive$1,663
NevadaState Farm$1,726
NevadaVictoria$1,955
NevadaAllstate$2,256
New YorkGeico$993
New YorkProgressive$1,160
New YorkAllstate$1,587
New YorkState Farm$1,855
New YorkNationwide$2,098
New YorkForemost$2,858
OhioGeico$619
OhioState Farm$881
OhioFarmers$887
OhioProgressive$999
OhioNationwide$1,015
OhioAllstate$1,310
OklahomaGeico$1,050
OklahomaFarmers$1,327
OklahomaState Farm$1,416
OklahomaAllstate$1,918
OklahomaProgressive$2,506
OregonGeico$933
OregonState Farm$1,043
OregonNationwide$1,121
OregonProgressive$1,238
OregonFarmers$1,594
OregonAllstate$1,656
PennsylvaniaGeico$703
PennsylvaniaNationwide$711
PennsylvaniaState Farm$1,284
PennsylvaniaAllstate$1,729
PennsylvaniaProgressive$3,183
Rhode IslandState Farm$1,132
Rhode IslandGeico$1,292
Rhode IslandNationwide$1,678
Rhode IslandProgressive$2,092
Rhode IslandAllstate$2,246
South CarolinaGeico$1,050
South CarolinaAllstate$1,178
South CarolinaNationwide$1,200
South CarolinaProgressive$1,359
South CarolinaState Farm$1,511
South DakotaGeico$708
South DakotaNationwide$938
South DakotaMid Century$982
South DakotaState Farm$1,052
South DakotaProgressive$1,110
South DakotaAllstate$1,562
TennesseeGeico$764
TennesseeNationwide$796
TennesseeState Farm$1,131
TennesseeProgressive$1,223
TennesseeMid Century$1,576
TennesseeAllstate$1,794
TexasFarmers$905
TexasGeico$1,027
TexasColonial$1,247
TexasProgressive$1,328
TexasState Farm$1,348
TexasAllstate$1,949
UtahGeico$684
UtahMid Century$1,016
UtahAllied$1,119
UtahAllstate$1,353
UtahProgressive$1,503
UtahState Farm$1,518
VirginiaNationwide$744
VirginiaGeico$894
VirginiaState Farm$969
VirginiaAllstate$1,102
VirginiaProgressive$1,150
VermontGeico$485
VermontNationwide$789
VermontProgressive$1,103
VermontAllstate$1,183
VermontState Farm$1,255
WashingtonNationwide$1,028
WashingtonGeico$1,075
WashingtonProgressive$1,092
WashingtonState Farm$1,160
WashingtonFarmers$1,335
WashingtonAllstate$1,455
WisconsinGeico$663
WisconsinState Farm$914
WisconsinMid Century$1,021
WisconsinArtisan$1,176
WisconsinAllstate$1,484
WisconsinNationwide$2,851
West VirginiaGeico$1,149
West VirginiaProgressive$1,238
West VirginiaState Farm$1,309
West VirginiaNationwide$1,327
West VirginiaAllstate$1,853
WyomingState Farm$1,128
WyomingGeico$1,287
WyomingFarmers$1,688
WyomingAllstate$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

CompanyOverall Score
Allstate88.34
Progressive86.56
Geico86
Farmers85.24
State Farm84.76
Nationwide84.4
CompanyValue for Price
Allstate84.8
Progressive84.24
Geico83.39
Farmers82.1
State Farm80.85
Nationwide78.25
CompanyCustomer Service
Allstate89.35
Progressive87.27
Farmers86.61
State Farm86.5
Nationwide86.49
Geico86.25
CompanyClaims
Allstate94
Nationwide92.82
Farmers90.64
Geico90.43
Progressive90.29
State Farm88.64

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.

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