Table of contents
- Top 10 cheapest car insurance companies
- Cheapest state minimum car insurance companies
- Cheapest liability-only car insurance companies
- Cheapest car insurance companies in your state: Full coverage
- Cheapest car insurance rates by age group
- Cheapest car insurance companies by driver profile
- How to find the cheapest auto insurance companies
- Car insurance discounts for cheaper car insurance
- Methodology
- FAQ: Cheapest car insurance companies
Top 10 cheapest car insurance companies
We compared national (available in at least 40 states) and super-regional (available in more than 10 states) carriers and found that Erie Insurance is the cheapest option for full coverage at an average rate of $159 a month, which is $1,906 a year. Furthermore:
- Auto-Owners, also a super-regional carrier, is the second-cheapest at $171 a month
- Travelers is the cheapest national carrier, with an average rate of $2,103 a year or $175 a month
- Allstate is the most expensive, at an average of $267 a month
- USAA is the cheapest of all carriers, with average rates of $131 a month if you are eligible.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Erie Insurance | $1,906 | $159 |
| Auto-Owners | $2,051 | $171 |
| Travelers | $2,103 | $175 |
| GEICO | $2,148 | $179 |
| Nationwide | $2,463 | $205 |
| Progressive | $2,675 | $223 |
| State Farm | $2,874 | $239 |
| Farmers | $3,085 | $257 |
| Allstate | $3,205 | $267 |
| USAA* | $1,572 | $131 |
*USAA is only available to military members, veterans, and their families
Cheapest state minimum car insurance companies
GEICO offers the lowest price on state minimum car insurance in more states than any other carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., but Erie and Progressive also provide affordable car insurance options in numerous states.
The minimum amount of car insurance required in each state varies significantly, resulting in differing rates. Compare rates below.
| State | Company | Average annual premium | Average monthly premium |
|---|---|---|---|
| Alaska | GEICO | $345 | $29 |
| Alabama | Country Financial | $288 | $24 |
| Arkansas | GEICO | $327 | $27 |
| Arizona | GEICO | $435 | $36 |
| California | GEICO | $455 | $38 |
| Colorado | GEICO | $274 | $23 |
| Connecticut | GEICO | $469 | $39 |
| Washington, D.C. | Chubb | $359 | $30 |
| Delaware | GEICO | $531 | $44 |
| Florida | GEICO | $611 | $51 |
| Georgia | GEICO | $412 | $34 |
| Hawaii | GEICO | $246 | $21 |
| Iowa | Progressive | $211 | $18 |
| Idaho | GEICO | $201 | $17 |
| Illinois | Erie Insurance | $316 | $26 |
| Indiana | GEICO | $279 | $23 |
| Kansas | GEICO | $292 | $24 |
| Kentucky | GEICO | $475 | $40 |
| Louisiana | Southern Farm Bureau | $427 | $36 |
| Massachusetts | Safety Insurance | $380 | $32 |
| Maryland | GEICO | $451 | $38 |
| Maine | Progressive | $243 | $20 |
| Michigan | Travelers | $368 | $31 |
| Minnesota | Auto-Owners | $384 | $32 |
| Missouri | GEICO | $337 | $28 |
| Mississippi | Progressive | $365 | $30 |
| Montana | GEICO | $246 | $20 |
| North Carolina | Erie Insurance | $309 | $26 |
| North Dakota | American Family | $164 | $14 |
| Nebraska | Farmers Mutual of Nebraska | $225 | $19 |
| New Hampshire | The Hanover | $197 | $16 |
| New Jersey | GEICO | $774 | $64 |
| New Mexico | Central Insurance | $202 | $17 |
| Nevada | GEICO | $586 | $49 |
| New York | Progressive | $528 | $44 |
| Ohio | Grange Insurance | $230 | $19 |
| Oklahoma | Progressive | $286 | $24 |
| Oregon | Country Financial | $416 | $35 |
| Pennsylvania | Westfield Insurance | $256 | $21 |
| Rhode Island | Travelers | $567 | $47 |
| South Carolina | Auto-Owners | $533 | $44 |
| South Dakota | Farmers Mutual of Nebraska | $148 | $12 |
| Tennessee | Erie Insurance | $290 | $24 |
| Texas | Texas Farm Bureau | $352 | $29 |
| Utah | GEICO | $400 | $33 |
| Virginia | Virginia Farm Bureau | $330 | $28 |
| Vermont | Co-operative Insurance Companies | $190 | $16 |
| Washington | PEMCO | $316 | $26 |
| Wisconsin | GEICO | $205 | $17 |
| West Virginia | Erie Insurance | $348 | $29 |
| Wyoming | GEICO | $174 | $14 |
Cheapest liability-only car insurance companies
Erie and Auto-Owners offer the cheapest liability-only coverage on average: Erie at $445 a year and Auto-Owners at $540.
GEICO is the cheapest national carrier for a liability-only policy at $619 a year.
To compare liability-only rates fairly across all states, we used limits of 50/100/50 in every state.
Liability insurance covers damages and injuries to others if you cause an accident, but it doesn’t cover damages to your vehicle or injuries to you or your passengers. Liability-only insurance is a suitable option for drivers who can afford to replace their vehicle and cover medical costs out of pocket.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Erie Insurance | $445 | $37 |
| Auto-Owners | $540 | $45 |
| GEICO | $619 | $52 |
| Travelers | $807 | $67 |
| Progressive | $846 | $71 |
| Nationwide | $945 | $79 |
| State Farm | $969 | $81 |
| Allstate | $1,114 | $93 |
| Farmers | $1,193 | $99 |
| USAA* | $463 | $39 |
*USAA is only available to military members, veterans and their families
Cheapest car insurance companies in your state: Full coverage
Car insurance rates for full coverage vary significantly from state to state and company to company. For example, the cheapest car insurance company in California is GEICO, with rates averaging $170 per month, and the most affordable coverage in Florida is Travelers, with average monthly rates of $210.
To compare full coverage rates, we used limits of 100/300/100 with $500 deductibles.
Use the map to find the cheapest car insurance in your state.
Map
Table
| State | Company | Average annual premium | Average monthly premium |
|---|---|---|---|
| Alaska | Progressive | $1,752 | $146 |
| Alaska | GEICO | $1,818 | $152 |
| Alaska | State Farm | $2,523 | $210 |
| Alaska | Allstate | $2,791 | $233 |
| Alaska | Western National Insurance | $2,832 | $236 |
| Alaska | USAA | $1,575 | $131 |
| Alabama | Travelers | $1,677 | $140 |
| Alabama | GEICO | $1,709 | $142 |
| Alabama | Country Financial | $1,840 | $153 |
| Alabama | Nationwide | $1,963 | $164 |
| Alabama | Auto-Owners | $2,227 | $186 |
| Alabama | Progressive | $2,452 | $204 |
| Alabama | Allstate | $2,524 | $210 |
| Alabama | Farmers | $3,024 | $252 |
| Alabama | USAA | $1,556 | $130 |
| Arkansas | Travelers | $1,680 | $140 |
| Arkansas | GEICO | $1,871 | $156 |
| Arkansas | Shelter Insurance | $2,103 | $175 |
| Arkansas | Nationwide | $2,673 | $223 |
| Arkansas | Southern Farm Bureau | $2,798 | $233 |
| Arkansas | Farmers | $2,869 | $239 |
| Arkansas | Allstate | $3,745 | $312 |
| Arkansas | Alfa Insurance | $3,947 | $329 |
| Arkansas | Progressive | $4,017 | $335 |
| Arkansas | USAA | $1,527 | $127 |
| Arizona | Travelers | $1,707 | $142 |
| Arizona | GEICO | $1,796 | $150 |
| Arizona | Progressive | $2,114 | $176 |
| Arizona | Auto-Owners | $2,258 | $188 |
| Arizona | Nationwide | $2,636 | $220 |
| Arizona | Allstate | $2,846 | $237 |
| Arizona | Farmers | $2,865 | $239 |
| Arizona | State Farm | $2,883 | $240 |
| Arizona | CSAA Insurance (AAA) | $4,965 | $414 |
| Arizona | USAA | $1,880 | $157 |
| California | GEICO | $2,038 | $170 |
| California | Kemper | $2,584 | $215 |
| California | Progressive | $2,684 | $224 |
| California | Mercury Insurance | $2,782 | $232 |
| California | CSAA Insurance (AAA) | $2,874 | $240 |
| California | Auto Club Enterprises (AAA) | $2,967 | $247 |
| California | State Farm | $3,078 | $257 |
| California | Farmers | $3,409 | $284 |
| California | Travelers | $3,604 | $300 |
| California | Allstate | $3,922 | $327 |
| California | Nationwide | $4,227 | $352 |
| California | USAA | $2,080 | $173 |
| Colorado | GEICO | $2,249 | $187 |
| Colorado | Kemper | $2,486 | $207 |
| Colorado | Auto-Owners | $2,725 | $227 |
| Colorado | Progressive | $3,045 | $254 |
| Colorado | Southern Farm Bureau | $3,298 | $275 |
| Colorado | Farmers | $3,615 | $301 |
| Colorado | Allstate | $3,970 | $331 |
| Colorado | Acuity Insurance | $4,214 | $351 |
| Colorado | State Farm | $4,435 | $370 |
| Colorado | USAA | $2,201 | $183 |
| Connecticut | GEICO | $1,633 | $136 |
| Connecticut | Kemper | $1,737 | $145 |
| Connecticut | Nationwide | $2,675 | $223 |
| Connecticut | Allstate | $3,104 | $259 |
| Connecticut | Amica | $3,133 | $261 |
| Connecticut | Progressive | $3,265 | $272 |
| Connecticut | State Farm | $3,390 | $282 |
| Connecticut | Farmers | $3,498 | $291 |
| Connecticut | The Hanover | $6,479 | $540 |
| Connecticut | USAA | $1,631 | $136 |
| Washington, D.C. | GEICO | $1,991 | $166 |
| Washington, D.C. | Nationwide | $2,847 | $237 |
| Washington, D.C. | Chubb | $3,300 | $275 |
| Washington, D.C. | Allstate | $4,591 | $383 |
| Washington, D.C. | State Farm | $4,774 | $398 |
| Washington, D.C. | Progressive | $4,835 | $403 |
| Washington, D.C. | USAA | $1,418 | $118 |
| Delaware | GEICO | $1,831 | $153 |
| Delaware | Nationwide | $1,936 | $161 |
| Delaware | Progressive | $2,629 | $219 |
| Delaware | State Farm | $3,008 | $251 |
| Delaware | American Family | $3,225 | $269 |
| Delaware | Donegal Insurance | $4,076 | $340 |
| Delaware | Allstate | $4,700 | $392 |
| Delaware | Sentry Insurance | $6,505 | $542 |
| Delaware | USAA | $1,788 | $149 |
| Florida | Travelers | $2,520 | $210 |
| Florida | UAIC | $2,612 | $218 |
| Florida | State Farm | $2,681 | $223 |
| Florida | GEICO | $2,865 | $239 |
| Florida | Nationwide | $3,335 | $278 |
| Florida | Mercury Insurance | $4,144 | $345 |
| Florida | Allstate | $4,531 | $378 |
| Florida | Farmers | $4,777 | $398 |
| Florida | National General | $4,961 | $413 |
| Florida | Progressive | $6,622 | $552 |
| Georgia | Progressive | $1,980 | $165 |
| Georgia | GEICO | $2,248 | $187 |
| Georgia | Auto-Owners | $2,266 | $189 |
| Georgia | Country Financial | $2,545 | $212 |
| Georgia | Central Insurance | $2,681 | $223 |
| Georgia | Allstate | $3,067 | $256 |
| Georgia | Safeway Insurance | $3,412 | $284 |
| Georgia | Mercury Insurance | $3,495 | $291 |
| Georgia | State Farm | $4,107 | $342 |
| Georgia | USAA | $1,728 | $144 |
| Hawaii | GEICO | $1,251 | $104 |
| Hawaii | Progressive | $1,279 | $107 |
| Hawaii | Farmers | $1,746 | $146 |
| Hawaii | Island Insurance | $1,936 | $161 |
| Hawaii | State Farm | $2,312 | $193 |
| Hawaii | Allstate | $2,379 | $198 |
| Hawaii | USAA | $1,141 | $95 |
| Iowa | Travelers | $1,449 | $121 |
| Iowa | Auto-Owners | $1,772 | $148 |
| Iowa | GEICO | $1,871 | $156 |
| Iowa | State Farm | $2,005 | $167 |
| Iowa | West Bend Insurance Company | $2,036 | $170 |
| Iowa | IMT Insurance | $2,066 | $172 |
| Iowa | Progressive | $2,079 | $173 |
| Iowa | Allstate | $3,046 | $254 |
| Iowa | Iowa Farm Bureau | $3,212 | $268 |
| Iowa | Grinnell Mutual | $3,670 | $306 |
| Iowa | USAA | $1,319 | $110 |
| Idaho | GEICO | $1,308 | $109 |
| Idaho | State Farm | $1,452 | $121 |
| Idaho | Auto-Owners | $1,558 | $130 |
| Idaho | Farmers | $1,636 | $136 |
| Idaho | Travelers | $1,756 | $146 |
| Idaho | Nationwide | $1,802 | $150 |
| Idaho | Idaho Farm Bureau | $2,272 | $189 |
| Idaho | Allstate | $2,525 | $210 |
| Idaho | Sentry Insurance | $2,947 | $246 |
| Idaho | USAA | $777 | $65 |
| Illinois | GEICO | $1,451 | $121 |
| Illinois | Travelers | $1,455 | $121 |
| Illinois | Auto Club Group - ACG (AAA) | $1,834 | $153 |
| Illinois | Erie Insurance | $2,018 | $168 |
| Illinois | Auto-Owners | $2,031 | $169 |
| Illinois | Country Financial | $2,060 | $172 |
| Illinois | Progressive | $2,166 | $180 |
| Illinois | Allstate | $2,869 | $239 |
| Illinois | USAA | $1,638 | $136 |
| Indiana | GEICO | $1,175 | $98 |
| Indiana | Travelers | $1,475 | $123 |
| Indiana | Progressive | $1,648 | $137 |
| Indiana | Auto-Owners | $1,889 | $157 |
| Indiana | Indiana Farmers Insurance | $2,060 | $172 |
| Indiana | Farmers | $2,190 | $182 |
| Indiana | Indiana Farm Bureau | $2,662 | $222 |
| Indiana | Allstate | $2,680 | $223 |
| Indiana | USAA | $921 | $77 |
| Kansas | Travelers | $1,844 | $154 |
| Kansas | GEICO | $1,996 | $166 |
| Kansas | Nationwide | $2,119 | $177 |
| Kansas | Progressive | $2,203 | $184 |
| Kansas | Shelter Insurance | $2,312 | $193 |
| Kansas | Farmers | $2,363 | $197 |
| Kansas | State Farm | $2,897 | $241 |
| Kansas | Allstate | $3,447 | $287 |
| Kansas | Iowa Farm Bureau | $4,331 | $361 |
| Kansas | USAA | $1,375 | $115 |
| Kentucky | Travelers | $1,813 | $151 |
| Kentucky | GEICO | $2,259 | $188 |
| Kentucky | Shelter Insurance | $2,538 | $211 |
| Kentucky | Auto-Owners | $2,549 | $212 |
| Kentucky | Progressive | $3,063 | $255 |
| Kentucky | Kentucky Farm Bureau | $3,473 | $289 |
| Kentucky | State Farm | $3,827 | $319 |
| Kentucky | Allstate | $4,571 | $381 |
| Kentucky | Farmers | $5,954 | $496 |
| Kentucky | USAA | $1,619 | $135 |
| Louisiana | Southern Farm Bureau | $2,223 | $185 |
| Louisiana | GEICO | $3,347 | $279 |
| Louisiana | Progressive | $4,218 | $352 |
| Louisiana | Farmers | $4,627 | $386 |
| Louisiana | Safeway Insurance | $4,679 | $390 |
| Louisiana | State Farm | $4,761 | $397 |
| Louisiana | Auto Club Enterprises (AAA) | $4,853 | $404 |
| Louisiana | Louisiana Farm Bureau | $5,169 | $431 |
| Louisiana | Allstate | $9,726 | $810 |
| Louisiana | USAA | $2,696 | $225 |
| Massachusetts | Plymouth Rock Assurance | $1,719 | $143 |
| Massachusetts | GEICO | $1,817 | $151 |
| Massachusetts | Safety Insurance | $2,189 | $182 |
| Massachusetts | Progressive | $2,490 | $207 |
| Massachusetts | Amica | $2,491 | $208 |
| Massachusetts | Arbella Insurance | $2,807 | $234 |
| Massachusetts | Farmers | $2,807 | $234 |
| Massachusetts | Travelers | $2,962 | $247 |
| Massachusetts | Allstate | $3,388 | $282 |
| Massachusetts | USAA | $1,658 | $138 |
| Maryland | GEICO | $1,545 | $129 |
| Maryland | Nationwide | $1,834 | $153 |
| Maryland | Erie Insurance | $1,906 | $159 |
| Maryland | Travelers | $1,957 | $163 |
| Maryland | State Farm | $2,415 | $201 |
| Maryland | Progressive | $2,588 | $216 |
| Maryland | Penn National Insurance | $3,129 | $261 |
| Maryland | Allstate | $4,019 | $335 |
| Maryland | USAA | $1,311 | $109 |
| Maine | Travelers | $964 | $80 |
| Maine | Auto-Owners | $1,060 | $88 |
| Maine | GEICO | $1,441 | $120 |
| Maine | Progressive | $1,454 | $121 |
| Maine | Allstate | $2,056 | $171 |
| Maine | MMG Insurance | $2,073 | $173 |
| Maine | Farmers | $2,196 | $183 |
| Maine | State Farm | $2,357 | $196 |
| Maine | Frankenmuth Insurance | $2,415 | $201 |
| Maine | USAA | $997 | $83 |
| Michigan | GEICO | $1,827 | $152 |
| Michigan | Travelers | $2,182 | $182 |
| Michigan | Auto-Owners | $2,877 | $240 |
| Michigan | Auto Club Group - ACG (AAA) | $2,935 | $245 |
| Michigan | Progressive | $3,165 | $264 |
| Michigan | Michigan Farm Bureau | $3,870 | $323 |
| Michigan | Pioneer State Mutual | $3,996 | $333 |
| Michigan | Frankenmuth Insurance | $4,312 | $359 |
| Michigan | State Farm | $4,477 | $373 |
| Michigan | USAA | $1,811 | $151 |
| Minnesota | Travelers | $1,776 | $148 |
| Minnesota | Auto-Owners | $1,864 | $155 |
| Minnesota | Auto Club Group - ACG (AAA) | $2,035 | $170 |
| Minnesota | State Farm | $2,404 | $200 |
| Minnesota | Nationwide | $2,515 | $210 |
| Minnesota | Allstate | $2,883 | $240 |
| Minnesota | North Star Mutual | $3,161 | $263 |
| Minnesota | GEICO | $3,406 | $284 |
| Minnesota | Western National Insurance | $4,298 | $358 |
| Minnesota | USAA | $1,713 | $143 |
| Missouri | Travelers | $1,687 | $141 |
| Missouri | GEICO | $1,861 | $155 |
| Missouri | Shelter Insurance | $2,149 | $179 |
| Missouri | Missouri Farm Bureau | $2,801 | $233 |
| Missouri | Auto Club Enterprises (AAA) | $2,969 | $247 |
| Missouri | Nationwide | $3,067 | $256 |
| Missouri | Progressive | $3,934 | $328 |
| Missouri | USAA | $1,269 | $106 |
| Mississippi | Travelers | $1,885 | $157 |
| Mississippi | Shelter Insurance | $2,346 | $196 |
| Mississippi | Nationwide | $2,559 | $213 |
| Mississippi | GEICO | $2,637 | $220 |
| Mississippi | Progressive | $2,687 | $224 |
| Mississippi | Southern Farm Bureau | $2,743 | $229 |
| Mississippi | Allstate | $2,992 | $249 |
| Mississippi | Safeway Insurance | $3,518 | $293 |
| Mississippi | USAA | $1,405 | $117 |
| Montana | State Farm | $1,914 | $160 |
| Montana | Nationwide | $2,180 | $182 |
| Montana | Kemper | $2,692 | $224 |
| Montana | GEICO | $2,821 | $235 |
| Montana | Farmers | $2,984 | $249 |
| Montana | Progressive | $3,101 | $258 |
| Montana | Allstate | $3,322 | $277 |
| Montana | USAA | $1,276 | $106 |
| North Carolina | Erie Insurance | $1,168 | $97 |
| North Carolina | Progressive | $1,480 | $123 |
| North Carolina | State Farm | $1,714 | $143 |
| North Carolina | Nationwide | $2,452 | $204 |
| North Carolina | Farmers | $2,479 | $207 |
| North Carolina | North Carolina Farm Bureau | $2,795 | $233 |
| North Carolina | Penn National Insurance | $2,797 | $233 |
| North Carolina | GEICO | $3,233 | $269 |
| North Carolina | Utica National Insurance Group | $3,496 | $291 |
| North Carolina | Allstate | $4,643 | $387 |
| North Dakota | American Family | $1,238 | $103 |
| North Dakota | Nationwide | $1,250 | $104 |
| North Dakota | GEICO | $1,933 | $161 |
| North Dakota | Progressive | $2,046 | $170 |
| North Dakota | Auto-Owners | $2,446 | $204 |
| North Dakota | North Star Mutual | $2,583 | $215 |
| North Dakota | Nodak Insurance | $2,614 | $218 |
| North Dakota | State Farm | $2,704 | $225 |
| North Dakota | Allstate | $2,884 | $240 |
| North Dakota | USAA | $1,088 | $91 |
| Nebraska | Farmers Mutual of Nebraska | $1,605 | $134 |
| Nebraska | Auto-Owners | $1,638 | $137 |
| Nebraska | Shelter Insurance | $2,346 | $196 |
| Nebraska | Progressive | $2,515 | $210 |
| Nebraska | Allstate | $2,824 | $235 |
| Nebraska | GEICO | $2,859 | $238 |
| Nebraska | Iowa Farm Bureau | $4,829 | $402 |
| Nebraska | USAA | $1,797 | $150 |
| New Hampshire | The Hanover | $1,144 | $95 |
| New Hampshire | GEICO | $1,206 | $100 |
| New Hampshire | Auto-Owners | $1,377 | $115 |
| New Hampshire | Nationwide | $1,475 | $123 |
| New Hampshire | MMG Insurance | $1,606 | $134 |
| New Hampshire | Progressive | $1,859 | $155 |
| New Hampshire | Allstate | $1,904 | $159 |
| New Hampshire | State Farm | $2,280 | $190 |
| New Hampshire | Farmers | $2,784 | $232 |
| New Hampshire | USAA | $1,036 | $86 |
| New Jersey | NJM | $2,134 | $178 |
| New Jersey | Selective Insurance | $2,232 | $186 |
| New Jersey | Plymouth Rock Assurance | $2,400 | $200 |
| New Jersey | GEICO | $2,487 | $207 |
| New Jersey | Travelers | $2,579 | $215 |
| New Jersey | Farmers | $2,712 | $226 |
| New Jersey | Progressive | $3,071 | $256 |
| New Jersey | Allstate | $3,206 | $267 |
| New Jersey | State Farm | $3,819 | $318 |
| New Jersey | The Hanover | $5,557 | $463 |
| New Mexico | GEICO | $1,502 | $125 |
| New Mexico | Central Insurance | $1,952 | $163 |
| New Mexico | Progressive | $2,046 | $170 |
| New Mexico | Nationwide | $2,547 | $212 |
| New Mexico | State Farm | $2,640 | $220 |
| New Mexico | Farmers | $2,765 | $230 |
| New Mexico | Allstate | $2,995 | $250 |
| New Mexico | Kemper | $3,449 | $287 |
| New Mexico | Iowa Farm Bureau | $3,743 | $312 |
| New Mexico | USAA | $1,254 | $105 |
| Nevada | Travelers | $2,222 | $185 |
| Nevada | GEICO | $2,769 | $231 |
| Nevada | American Family | $2,848 | $237 |
| Nevada | Mercury Insurance | $3,036 | $253 |
| Nevada | Farmers | $3,712 | $309 |
| Nevada | Progressive | $3,739 | $312 |
| Nevada | State Farm | $3,875 | $323 |
| Nevada | Allstate | $4,102 | $342 |
| Nevada | CSAA Insurance (AAA) | $7,558 | $630 |
| Nevada | USAA | $1,946 | $162 |
| New York | Progressive | $1,448 | $121 |
| New York | GEICO | $2,218 | $185 |
| New York | NYCM Insurance | $2,343 | $195 |
| New York | Erie Insurance | $2,415 | $201 |
| New York | State Farm | $2,930 | $244 |
| New York | Allstate | $3,005 | $250 |
| New York | Travelers | $4,010 | $334 |
| New York | The Hanover | $4,311 | $359 |
| New York | Chubb | $4,486 | $374 |
| New York | USAA | $1,911 | $159 |
| Ohio | Grange Insurance | $1,314 | $110 |
| Ohio | GEICO | $1,522 | $127 |
| Ohio | Erie Insurance | $1,541 | $128 |
| Ohio | Auto-Owners | $1,694 | $141 |
| Ohio | Progressive | $1,756 | $146 |
| Ohio | Westfield Insurance | $1,860 | $155 |
| Ohio | Allstate | $1,922 | $160 |
| Ohio | Cincinnati Insurance | $2,086 | $174 |
| Ohio | Farmers | $2,103 | $175 |
| Ohio | Travelers | $2,353 | $196 |
| Ohio | USAA | $1,062 | $89 |
| Oklahoma | GEICO | $2,066 | $172 |
| Oklahoma | Progressive | $2,341 | $195 |
| Oklahoma | Shelter Insurance | $2,475 | $206 |
| Oklahoma | AFR Insurance | $2,671 | $223 |
| Oklahoma | Mercury Insurance | $2,871 | $239 |
| Oklahoma | State Farm | $2,946 | $246 |
| Oklahoma | Farmers | $3,020 | $252 |
| Oklahoma | Allstate | $3,457 | $288 |
| Oklahoma | Oklahoma Farm Bureau | $3,866 | $322 |
| Oklahoma | USAA | $1,542 | $129 |
| Oregon | Oregon Mutual Insurance | $1,172 | $98 |
| Oregon | Travelers | $1,657 | $138 |
| Oregon | Nationwide | $1,836 | $153 |
| Oregon | Country Financial | $1,886 | $157 |
| Oregon | GEICO | $1,993 | $166 |
| Oregon | State Farm | $2,383 | $199 |
| Oregon | Farmers | $2,587 | $216 |
| Oregon | Progressive | $3,584 | $299 |
| Oregon | USAA | $1,523 | $127 |
| Pennsylvania | Travelers | $1,423 | $119 |
| Pennsylvania | Nationwide | $1,809 | $151 |
| Pennsylvania | Erie Insurance | $1,848 | $154 |
| Pennsylvania | Allstate | $2,533 | $211 |
| Pennsylvania | Westfield Insurance | $2,660 | $222 |
| Pennsylvania | Donegal Insurance | $2,715 | $226 |
| Pennsylvania | State Farm | $2,795 | $233 |
| Pennsylvania | GEICO | $2,974 | $248 |
| Pennsylvania | Progressive | $3,600 | $300 |
| Pennsylvania | USAA | $1,958 | $163 |
| Rhode Island | Travelers | $2,141 | $178 |
| Rhode Island | State Farm | $2,162 | $180 |
| Rhode Island | Progressive | $2,369 | $197 |
| Rhode Island | Nationwide | $2,866 | $239 |
| Rhode Island | American Family | $2,924 | $244 |
| Rhode Island | GEICO | $2,982 | $249 |
| Rhode Island | Allstate | $3,181 | $265 |
| Rhode Island | Amica | $3,293 | $274 |
| Rhode Island | Farmers | $3,939 | $328 |
| Rhode Island | USAA | $1,399 | $117 |
| South Carolina | Auto-Owners | $1,715 | $143 |
| South Carolina | Nationwide | $2,130 | $177 |
| South Carolina | Southern Farm Bureau | $2,310 | $192 |
| South Carolina | Travelers | $2,342 | $195 |
| South Carolina | GEICO | $2,417 | $201 |
| South Carolina | Progressive | $2,666 | $222 |
| South Carolina | Allstate | $2,806 | $234 |
| South Carolina | State Farm | $3,133 | $261 |
| South Carolina | USAA | $1,772 | $148 |
| South Dakota | Farmers Mutual of Nebraska | $1,499 | $125 |
| South Dakota | Progressive | $2,249 | $187 |
| South Dakota | Allstate | $2,335 | $195 |
| South Dakota | Nationwide | $2,442 | $204 |
| South Dakota | Farmers | $2,796 | $233 |
| South Dakota | State Farm | $2,814 | $234 |
| South Dakota | Auto-Owners | $2,891 | $241 |
| South Dakota | North Star Mutual | $3,228 | $269 |
| South Dakota | GEICO | $3,318 | $277 |
| South Dakota | Iowa Farm Bureau | $4,708 | $392 |
| South Dakota | USAA | $2,041 | $170 |
| Tennessee | Travelers | $1,657 | $138 |
| Tennessee | GEICO | $1,673 | $139 |
| Tennessee | Erie Insurance | $2,004 | $167 |
| Tennessee | Farm Bureau Insurance of Tennessee | $2,067 | $172 |
| Tennessee | Farmers | $2,190 | $182 |
| Tennessee | Nationwide | $2,373 | $198 |
| Tennessee | Progressive | $2,661 | $222 |
| Tennessee | State Farm | $3,073 | $256 |
| Tennessee | Allstate | $3,242 | $270 |
| Tennessee | USAA | $1,271 | $106 |
| Texas | Texas Farm Bureau | $1,339 | $112 |
| Texas | Redpoint Insurance | $1,890 | $158 |
| Texas | State Farm | $2,264 | $189 |
| Texas | Auto Club Enterprises (AAA) | $2,318 | $193 |
| Texas | GEICO | $2,746 | $229 |
| Texas | Progressive | $2,916 | $243 |
| Texas | Allstate | $4,258 | $355 |
| Texas | Farmers | $4,260 | $355 |
| Texas | USAA | $1,692 | $141 |
| Utah | Nationwide | $1,188 | $99 |
| Utah | GEICO | $1,397 | $116 |
| Utah | Auto-Owners | $1,953 | $163 |
| Utah | United Insurance Co | $2,531 | $211 |
| Utah | Progressive | $2,622 | $218 |
| Utah | Farmers | $2,752 | $229 |
| Utah | Allstate | $2,879 | $240 |
| Utah | Iowa Farm Bureau | $3,138 | $262 |
| Utah | State Farm | $4,444 | $370 |
| Utah | USAA | $1,354 | $113 |
| Virginia | Travelers | $1,213 | $101 |
| Virginia | Virginia Farm Bureau | $1,216 | $101 |
| Virginia | GEICO | $1,581 | $132 |
| Virginia | Erie Insurance | $1,736 | $145 |
| Virginia | Auto-Owners | $1,979 | $165 |
| Virginia | Allstate | $2,490 | $208 |
| Virginia | Progressive | $2,525 | $210 |
| Virginia | State Farm | $2,529 | $211 |
| Virginia | Farmers | $5,319 | $443 |
| Virginia | USAA | $1,181 | $98 |
| Vermont | Progressive | $980 | $82 |
| Vermont | State Farm | $1,410 | $117 |
| Vermont | Auto-Owners | $1,501 | $125 |
| Vermont | Nationwide | $1,554 | $130 |
| Vermont | GEICO | $1,582 | $132 |
| Vermont | Co-operative Insurance Companies | $1,648 | $137 |
| Vermont | Allstate | $1,674 | $140 |
| Vermont | Vermont Mutual | $1,950 | $162 |
| Vermont | USAA | $1,038 | $86 |
| Washington | American Family | $1,752 | $146 |
| Washington | GEICO | $1,998 | $166 |
| Washington | Travelers | $2,164 | $180 |
| Washington | Farmers | $2,232 | $186 |
| Washington | Nationwide | $2,408 | $201 |
| Washington | Allstate | $2,478 | $206 |
| Washington | State Farm | $2,522 | $210 |
| Washington | PEMCO | $2,527 | $211 |
| Washington | Progressive | $2,587 | $216 |
| Washington | USAA | $1,058 | $88 |
| Wisconsin | Travelers | $1,284 | $107 |
| Wisconsin | GEICO | $1,376 | $115 |
| Wisconsin | Nationwide | $1,825 | $152 |
| Wisconsin | West Bend Insurance Company | $1,844 | $154 |
| Wisconsin | Erie Insurance | $1,951 | $163 |
| Wisconsin | Acuity Insurance | $2,464 | $205 |
| Wisconsin | Farmers | $2,664 | $222 |
| Wisconsin | Allstate | $2,923 | $244 |
| Wisconsin | Progressive | $3,563 | $297 |
| Wisconsin | USAA | $1,176 | $98 |
| West Virginia | GEICO | $1,934 | $161 |
| West Virginia | Erie Insurance | $2,092 | $174 |
| West Virginia | Westfield Insurance | $2,620 | $218 |
| West Virginia | Farmers | $2,801 | $233 |
| West Virginia | State Farm | $2,801 | $233 |
| West Virginia | Progressive | $2,974 | $248 |
| West Virginia | Allstate | $3,819 | $318 |
| West Virginia | USAA | $1,451 | $121 |
| Wyoming | American National | $827 | $69 |
| Wyoming | Farmers | $1,623 | $135 |
| Wyoming | State Farm | $1,641 | $137 |
| Wyoming | Allstate | $3,159 | $263 |
| Wyoming | GEICO | $3,211 | $268 |
| Wyoming | USAA | $1,441 | $120 |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
Cheapest car insurance rates by age group
Erie is the most affordable company across all age groups. For example, teen drivers aged 16-19 can pay as low as $386 per month for coverage with Erie; young adults see average rates of $255 per month, adults $160 per month, and seniors $164 per month.
GEICO is the cheapest national car insurance company for teens ($509 a month) and young adults ($266 a month); for adults and seniors, it’s Travelers at $175 and $173 a month, respectively.
Young drivers pay significantly more for car insurance with all companies because they lack experience behind the wheel and are more likely to be in an accident.
| Age | Cheapest company | Average annual premium | Average monthly premium |
|---|---|---|---|
| Teens (16-19) | Erie Insurance | $4,634 | $386 |
| Teens (16-19) | Auto-Owners | $5,107 | $426 |
| Teens (16-19) | GEICO | $6,112 | $509 |
| Teens (16-19) | Travelers | $6,417 | $535 |
| Teens (16-19) | Nationwide | $7,821 | $652 |
| Teens (16-19) | State Farm | $7,922 | $660 |
| Teens (16-19) | Allstate | $9,895 | $825 |
| Teens (16-19) | Progressive | $10,196 | $850 |
| Teens (16-19) | Farmers | $11,628 | $969 |
| Teens (16-19) | USAA | $5,267 | $439 |
| Young Adults (20-24) | Erie Insurance | $3,057 | $255 |
| Young Adults (20-24) | GEICO | $3,186 | $266 |
| Young Adults (20-24) | Travelers | $3,270 | $272 |
| Young Adults (20-24) | Auto-Owners | $3,323 | $277 |
| Young Adults (20-24) | Nationwide | $3,824 | $319 |
| Young Adults (20-24) | Progressive | $4,372 | $364 |
| Young Adults (20-24) | Farmers | $4,595 | $383 |
| Young Adults (20-24) | State Farm | $4,624 | $385 |
| Young Adults (20-24) | Allstate | $4,811 | $401 |
| Young Adults (20-24) | USAA | $2,492 | $208 |
| Adults (25-60) | Erie Insurance | $1,923 | $160 |
| Adults (25-60) | Auto-Owners | $2,068 | $172 |
| Adults (25-60) | Travelers | $2,106 | $175 |
| Adults (25-60) | GEICO | $2,144 | $179 |
| Adults (25-60) | Nationwide | $2,431 | $203 |
| Adults (25-60) | Progressive | $2,637 | $220 |
| Adults (25-60) | State Farm | $2,878 | $240 |
| Adults (25-60) | Farmers | $3,014 | $251 |
| Adults (25-60) | Allstate | $3,186 | $266 |
| Adults (25-60) | USAA | $1,592 | $133 |
| Seniors (65-75) | Erie Insurance | $1,972 | $164 |
| Seniors (65-75) | Auto-Owners | $2,058 | $171 |
| Seniors (65-75) | Travelers | $2,076 | $173 |
| Seniors (65-75) | GEICO | $2,196 | $183 |
| Seniors (65-75) | Nationwide | $2,299 | $192 |
| Seniors (65-75) | Progressive | $2,408 | $201 |
| Seniors (65-75) | State Farm | $2,719 | $227 |
| Seniors (65-75) | Farmers | $2,978 | $248 |
| Seniors (65-75) | Allstate | $3,154 | $263 |
| Seniors (65-75) | USAA | $1,585 | $132 |
Cheapest car insurance companies by driver profile
Driving records and credit scores can significantly impact car insurance rates.
- Drivers with an at-fault accident can find cheaper car insurance rates with Travelers, averaging $275 a month.
- Drivers with bad credit can find affordable car insurance with Nationwide, with rates averaging $299.
- Progressive offers the cheapest car insurance for drivers with a DUI, with average rates of $302 per month.
- Travelers offers the most affordable car insurance rates for drivers with speeding tickets, with rates averaging $264 per month.
| Driver Profile | Cheapest company | Average annual premium | Average monthly premium |
|---|---|---|---|
| At-Fault Accident | Travelers | $3,302 | $275 |
| At-Fault Accident | State Farm | $3,534 | $295 |
| At-Fault Accident | GEICO | $3,908 | $326 |
| At-Fault Accident | Nationwide | $4,104 | $342 |
| At-Fault Accident | Progressive | $4,177 | $348 |
| At-Fault Accident | Farmers | $5,147 | $429 |
| At-Fault Accident | Allstate | $5,323 | $444 |
| At-Fault Accident | USAA | $2,400 | $200 |
| Bad Credit | Nationwide | $3,594 | $299 |
| Bad Credit | GEICO | $3,703 | $309 |
| Bad Credit | Travelers | $3,998 | $333 |
| Bad Credit | Progressive | $4,559 | $380 |
| Bad Credit | Allstate | $5,335 | $445 |
| Bad Credit | Farmers | $6,527 | $544 |
| Bad Credit | State Farm | $12,536 | $1,045 |
| Bad Credit | USAA | $3,134 | $261 |
| DUI | Progressive | $3,625 | $302 |
| DUI | Travelers | $3,926 | $327 |
| DUI | State Farm | $4,613 | $384 |
| DUI | GEICO | $5,489 | $457 |
| DUI | Nationwide | $5,771 | $481 |
| DUI | Allstate | $6,255 | $521 |
| DUI | Farmers | $6,630 | $552 |
| DUI | USAA | $3,171 | $264 |
| Speeding | Travelers | $3,165 | $264 |
| Speeding | State Farm | $3,414 | $285 |
| Speeding | GEICO | $3,533 | $294 |
| Speeding | Progressive | $3,556 | $296 |
| Speeding | Nationwide | $3,742 | $312 |
| Speeding | Allstate | $3,988 | $332 |
| Speeding | Farmers | $4,435 | $370 |
| Speeding | USAA | $1,914 | $159 |
How to find the cheapest auto insurance companies
Finding the cheapest car insurance companies doesn't have to be a headache. Tips for finding the most affordable insurer include:
- Don’t limit yourself to the major insurers. Regional and state insurance companies can offer great rates and localized service.
- Compare quotes from multiple insurers. Rates vary significantly by insurer, so compare as many companies as you can to find the lowest rates.
- Be sure to compare the same factors. Compare the same coverage, deductibles, and discounts for each insurer to accurately assess which company offers the best value.
- Increase your deductible. Consider raising your deductible to obtain lower rates, but ensure you can afford to pay it if needed.
- Look for discounts. Most insurers allow you to bundle discounts, such as safe driver, multi-policy, and safety features, for maximum savings.
Drivers can also utilize other resources to find the least expensive car insurance.
“Brokers/ independent agents tend to have a better grasp on what company will rate best for an individual based on their unique situation,” says Zack Pope, agency manager at David Pope Insurance. “So, in my opinion, if people want to save the most money, whether that comes from time spent or monthly cost, they should just ask for quotes from an independent agentAn insurance professional who represents different insurance companies, is not an employee of any one of those companies and earns commissions from policies sold. or two.”
Car insurance discounts for cheaper car insurance
Car insurance discounts can significantly lower rates, especially if you bundle multiple eligible discounts.
The top three discounts to lower rates the most include:
- Student away from home: If your child attends college and lives away from home, you can earn an average of 16% off
- Occupation/profession: Some occupations can earn you an average of 12% off
- Usage-based discounts: Usage-based programs that monitor your driving provide an average discount of 10%
| Discount type | Dollar savings | Percentage savings |
|---|---|---|
| Air bags | $44 | 2% |
| Anti-theft device | $43 | 2% |
| Advanced purchase | $182 | 7% |
| Education | $197 | 8% |
| Electronic funds transfer | $94 | 4% |
| Electronic signature | $195 | 8% |
| Homeowner | $149 | 6% |
| Lower annual mileage | $197 | 7% |
| Loyalty - Years of renewal with the company | $202 | 8% |
| Marital status | $216 | 9% |
| Multi policy | $235 | 9% |
| Paperless/electronic documents | $83 | 3% |
| Profession/occupation | $300 | 12% |
| Purchase status | $161 | 7% |
| Safety devices | $75 | 3% |
| Student away at school | $402 | 16% |
| Telematics (Usage-based) | $242 | 10% |
| Vehicle ownership | $129 | 5% |
Methodology
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
- All available year, make and model data
Learn more about our data and methodology.
FAQ: Cheapest car insurance companies
Where can I find cheap auto insurance with no down payment?
There is really no such thing as no down payment car insurance; insurers require that you make at least some payment when you purchase a policy. However, you can find affordable auto insurance that allows for a low down payment, usually just the first month, when your policy begins.
How do I compare cheap car insurance deals?
Compare car insurance quotes by ensuring each quote offers the same coverage and deductibles; then take the time to ensure you are choosing a reputable insurance company by checking customer satisfaction ratings like J.D. Power’s annual survey, as well as our best car insurance companies ranking and financial stability scores.
Helpful auto insurance tools and calculators
