Cheapest car insurance companies in Meridian 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Auto-Owners and Geico in Meridian for 2023. 

Auto-Owners offers the cheapest car insurance premium for Meridian drivers at an annual rate of $765 a year, on average. 

The cost of car insurance in Meridian varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Meridian.

CompaniesAverage annual rates
USAA$672
Auto-Owners$765
Geico$940
State Farm$1,054
Travelers$1,144
Nationwide$1,343
Farmers$1,357
Farm Bureau$1,363
Allstate$1,655
Sentry Insurance$2,766

Cheapest car insurance cost in Meridian by Age Group 

Auto-Owners stands out as Meridian's cheapest auto insurance company for teen drivers at an average annual of $2,427. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Meridian at about $1,283 per year

As Meridian drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $684

USAA is the cheapest option for senior drivers in Meridian, with an average premium of $709 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$2,427$1,429$781$841
Farm Bureau$2,829$2,265$1,366$1,127
Geico$3,032$1,543$935$1,188
State Farm$3,242$1,818$1,066$1,046
Travelers$3,749$1,692$1,164$1,353
USAA$4,138$1,283$684$709
Nationwide$4,738$2,332$1,331$1,297
Sentry Insurance$6,191$4,059$2,757$2,526
Allstate$6,306$2,719$1,629$1,630
Farmers$7,014$1,984$1,326$1,363

Cheapest car insurance companies in Meridian by driver profile 

When determining car insurance rates in Meridian, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

To find the cheapest car insurance company in Meridian, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Here's a list of car insurance companies that offer cheap insurance rates in Meridian based on driver profile. 

If you're a Meridian driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $844 annually

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$844
Travelers$1,340
Nationwide$1,370
USAA$1,489
Farmers$2,046
Allstate$2,299
State Farm$4,204

Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Meridian. It provides full coverage car insurance for drivers aged 30 at about $773 per year

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
Geico$773
USAA$855
State Farm$952
Travelers$1,249
Nationwide$1,406
Farmers$1,645
Allstate$1,797

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Meridian with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,032 annually.

CompanyAverage annual rates
State Farm$1,032
USAA$1,111
Geico$1,237
Travelers$1,275
Nationwide$1,460
Farmers$1,899
Allstate$2,473

Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Meridian. On average, its annual full coverage rate is $952, making it a significantly cheaper option than other insurance providers.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$952
Travelers$1,551
USAA$1,564
Farmers$1,847
Nationwide$2,258
Allstate$2,465
Geico$3,646

Average car insurance cost in Meridian 

In Meridian, the annual cost of car insurance for the coverage level of 100/300/100 is $1,306 or around $109 per month. However, the average yearly rate for state minimum coverage in Meridian is $415.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$1,306$415

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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