Cheap car insurance in September 2022

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The best cheap car insurance companies

We analyzed cost data to find the cheapest companies for car insurance for every type of driver. While GEICO has the cheapest car insurance overall, the best way to find cheap insurance is by comparing quotes from more than one company.

Company

Cheapest...

Cost

GEICO

For most people

$34/month

Auto-Owners Insurance

Smaller company

$27/month

USAA

For military families

$31/month

Progressive

For good drivers

$70/month

Erie

After a speeding ticket

$112/month

State Farm

After an accident or DUI

$120/month

NJM

For new teen drivers

$128/month

Nationwide

For bad credit

$184/month

National General

For non-standard coverage

$240/month

Our methodology: Here's why you can trust our picks

How we calculated costs

Policygenius experts analyzed hundreds of thousands of quotes from more than 130 companies to find the cheapest car insurance companies for different types of drivers.

Our analysis used rate data provided by Quadrant Information Services. Our sample driver was a 30-year-old male with a 2017 Toyota Camry, and our driver had an insurance policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

We found the cost of adding a new driver using a sample 16-year-old driver, while our rates for senior drivers were for people aged 60 to 70 years old.

"Small" and "large" car insurance companies are based on market share. Our recommendations for cheapest smaller companies fall outside of the top 10 largest companies for market share.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

How we calculated Policygenius ratings

Policygenius scored the best cheap car insurance companies by weighing cost, availability, customer experience and satisfaction, and strength of coverage.

We assigned a value to each measurement based on its importance, then found the weighted average of these values for each company.

The metrics and weights that we assigned them are:

  • Customer experience and satisfaction (29%)
  • Ease of getting coverage and making claims (29%)
  • Range and quality of coverage options (24%)
  • Cost of insurance compared to average (12%)
  • Financial security and strength (6%)

We ranked the top performing companies for different types of drivers by their aggregated final score. Our own Policygenius agents — who have years of experience working with real car insurance shoppers — also reviewed our picks, and we cited trustworthy third-party sources like J.D. Power and A.M Best.

What is the cheapest car insurance?

Our analysis found that USAA and GEICO are the cheapest large car insurance companies. Since USAA is only available to active and retired members of the military and their families, GEICO is the best overall option for cheap car insurance.

Smaller car insurance companies also offer cheap rates, but they’re available in fewer states. We found that Auto-Owners Insurance has the cheapest car insurance of any smaller company, but its availability is limited.

Cheapest car insurance for most people: GEICO

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

Average cost

$34/month

GEICO is our pick for cheapest car insurance company. Drivers can get cheap rates for minimum and full-coverage from GEICO. And since GEICO offers coverage in every state — unlike other providers — its cheap rates are open to more drivers.

Annual cost: $402 per year

Complaints for service: Low

Compare rates

GEICO's extra coverage options, discounts, and availability

GEICO extra coverage options

  • Emergency roadside assistance
  • Mechanical breakdown coverage
  • Rental car reimbursement

GEICO discounts

  • Accident free
  • Affinity
  • Anti-lock brakes
  • Anti-theft system
  • Daytime running lights
  • Defensive driving course
  • Good driver
  • Good student
  • Emergency deployment
  • Federal employee
  • Military
  • Multi-policy (bundling)
  • Multi-vehicle

Available states

AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

GEICO has the cheapest car insurance overall, whether you’re looking for just enough coverage to meet your state’s minimum required amounts, or if you want the complete protection of a full-coverage policy.

A GEICO policy with minimum coverage levels (usually the absolute cheapest option) is $34 per month on average, which is 35% cheaper than the national average for most drivers. For a full-coverage policy, GEICO costs $98 per month - 29% less than average.

Compare the cheapest companies

Company

Average monthly rate

Average annual rate

GEICO

$34

$402

State Farm

$40

$475

Nationwide

$52

$624

American Family

$56

$676

Travelers

$57

$683

Cheapest insurance from a smaller company: Auto-Owners Insurance

Auto-Owners Insurance

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Auto-Owners Insurance logo

Average cost

$27/month

Auto-Owners has low rates, but it doesn’t operate in every state. If you live in one of the 26 states where it’s available (which include Illinois, Michigan, and Pennsylvania) Auto-Owners is a good option for cheap coverage.

Annual cost: $327 per year

Complaints for service: Low

Compare rates

Auto-Owners extra coverage options, discounts, and availability

Auto-Owners extra coverage options

  • Accident forgiveness
  • Diminished value coverage
  • Emergency roadside assistance
  • Gap coverage
  • One deductible after a damage to your home and auto
  • Rental car reimbursement
  • Transportation and lodging expenses if you’re stranded

Auto-Owners discounts

  • Anti-lock brakes
  • Anti-theft devices
  • Good student
  • History of on-time payments
  • Life insurance with Auto-Owners
  • Multi-policy
  • Multi-vehicle
  • Paid-in-full
  • Paperless billing
  • Request quote ahead of time
  • Student away from home
  • Teen driver monitoring via GPS

Available states

AL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, MI, MN, MO, NE, NC, ND, OH, PA, SC, SD, TN, UT, VA, WI

The best cheap car insurance from a smaller company comes from Auto-Owners. We found that Auto-Owners offers minimum coverage for $27 per month, 47% less than average. 

Auto-Owners is also one of the cheapest insurance companies for full coverage. On average, full coverage from Auto-Owners costs $101 per month, or 27% less than average. This makes it the fifth-cheapest company for a policy with more protection.

Compare smaller companies

Company

Average monthly rate

Average annual rate

Auto-Owners Insurance

$27

$327

MAPFRE

$28

$335

Erie

$31

$370

Farm Bureau

$32

$387

COUNTRY Financial

$44

$526

Cheapest car insurance for military families: USAA

USAA

4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

Average cost

$31/month

USAA is the most affordable car insurance company for drivers who are current or former members of the armed forces and their families. Regardless of age, USAA is often the cheapest (or one of the cheapest) companies for both minimum and full coverage.

Annual cost: $369 per year

Complaints for service: Average

Compare rates

USAA's extra coverage options, discounts, and availability

USAA extra coverage options

  • Emergency roadside assistance
  • Rental car reimbursement

USAA discounts

  • Accident free
  • Anti-theft system
  • Available states
  • Good driver
  • Good student
  • Loyalty or switching
  • Multi-policy (bundling)
  • Multi-vehicle
  • New car

USAA availability

AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

USAA has the cheapest car insurance for drivers in the military. On average, USAA costs just $31 per month for a minimum coverage policy, and $94 per month for full coverage. That's 40% and 32% less than average, respectively.

Veterans ages 65 and older can also find cheap coverage with USAA — seniors pay an average of $81 a month for coverage with USAA.

Cheapest car insurance for good drivers: Progressive

Progressive

4.1

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Progressive logo

Average cost

$70/month for good drivers

Progressive’s Snapshot program tracks your driving habits through a mobile app and awards savings for safe driving. The best drivers can save more than 50% with Snapshot, and everyone gets a discount just for signing up.

Annual cost: $838 for good drivers

Complaints for service: Average

Compare rates

Progressive's extra coverage options, discounts, and availability

Progressive's extra coverage options

  • Custom parts and equipment coverage
  • Emergency roadside assistance
  • Gap insurance
  • Rental car reimbursement
  • Rideshare coverage
  • Vanishing deductible

Progressive discounts

  • Accident free
  • Automatic payment
  • Continuous insurance or no late payment
  • Distant student
  • Good driver
  • Good student
  • Homeowner
  • Multi-policy (bundling)
  • Multi-vehicle
  • Online quote
  • Online purchase
  • Paperless
  • Pay in full
  • Teen driver (18 years old or older)

Available states

AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

If you’re a good driver, Progressive has some of the lowest-cost car insurance available. Drivers who sign up for Snapshot by Progressive — the company’s opt-in, usage-based discount program — and stay off their phones, avoid high speeds and hard braking, and don’t drive at night.

With Snapshot, car insurance from Progressive costs good drivers an average of $70 per month, which is 49% less than average.

Compare rates with usage-based discounts

Company

Average monthly rate

Average annual rate

Progressive

$70

$838

USAA

$87

$1,050

MAPFRE

$89

$1,066

Nationwide

$91

$1,088

State Farm

$91

$1,091

→ Read more about how Snapshot and other usage-based insurance apps work

Cheapest car insurance after a speeding ticket: Erie

Erie

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Erie logo

Average cost

$112/month after a ticket

Erie has cheap rates for drivers who have gotten pulled over for speeding. Your rates will still go up, but Erie’s stay nearly $1,000 cheaper than average. Erie only operates in 12 states though, so some may have to look elsewhere after a ticket.

Annual cost: $1,344 after a ticket

Complaints for service: High

Compare rates

On average, Erie’s rates after a speeding ticket are just $112 per month. That’s 41% less than the industry average for drivers with a ticket on their records. Even after a ticket, Erie’s Rate Lock perk ensures that your rates won’t go up after a claim until you make changes to your policy, like adding a car or a driver.

Erie also has cheap car insurance for drivers with a clean driving record, regardless of the coverage level you choose. On average, car insurance from Erie costs $31 per month for minimum coverage and $96 per month for full coverage.

Compare rates after a speeding ticket

Company

Average monthly rate

Average annual rate

USAA

$111

$1,329

Erie

$112

$1,344

State Farm

$114

$1,370

MAPFRE

$122

$1,469

Auto-Owners Insurance

$145

$1,745

Runner-up pick: State Farm

If Erie isn’t available where you live, State Farm might be the next-cheapest company for drivers with a speeding ticket at $114 per month.

Cheapest car insurance after an accident or DUI: State Farm

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

Average cost

$129/month after a violation

Everyone’s rates get more expensive after an accident or DUI, but you can find cheap car insurance from State Farm even with a recent driving violation like an at-fault accident or citation.

Annual cost: $1,549 per year after a violation

Complaints for service: Low

Compare rates

State Farm's extra coverage options, discounts, and availability

State Farm extra coverage options

  • Emergency roadside assistance
  • Rental car reimbursement
  • Rideshare coverage

State Farm discounts

  • Accident free
  • Anti-theft system
  • Defensive driving course
  • Good driver
  • Multi-policy (bundling)
  • Multi-vehicle

Available states AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

State Farm has the lowest rates for drivers who have an accident or DUI on their records. Rates are much higher than average for these riskier drivers, but they can still find cheap car insurance coverage with State Farm.

According to our analysis, State Farm costs $120 per month for drivers who have an at-fault accident on their records, 43% less than average. After a DUI, State Farm costs $138 per month on average — 48% less than average.

Compare rates after a DUI

Company

Average monthly rate

Average annual rate

State Farm

$129

$1,549

NJ Manufacturers

$142

$1,710

MAPFRE

$147

$1,758

Erie

$149

$1,787

USAA

$152

$1,818

Cheapest car insurance for new teen drivers: New Jersey Manufacturers

NJM

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

NJM logo

Average cost

$190/month with a teen diver

Description: Adding a teen to your policy usually means astronomically high rates, but NJM offers relatively cheap coverage for adding a teenage driver to your policy. Its only drawback is limited availability — NJM only operates in five states.

Annual cost: $2,280 with a new driver

Complaints for service: Very low

Compare rates

NJM's extra coverage options, discounts, and availability

NJM extra coverage options

  • Camper or trailer coverage
  • Gap insurance
  • Emergency roadside assistance
  • Rental car reimbursement
  • Rideshare coverage

NJM discounts

  • Anti-lock brakes
  • Anti-theft system
  • Defensive driving course (NJ)
  • Driving education classes (CT, MD, NJ PA)
  • Electronic payment
  • Good student
  • Multi-policy (bundling)
  • Multi-vehicle
  • New car
  • Paperless
  • Pay in full
  • Senior drivers

Available states CT, MD, NJ, OH, PA

NJM (which stands for New Jersey Manufacturers) is the cheapest car insurance for families adding a newly-licensed teen to an existing policy. With NJM, you can add a young driver to an existing policy for an average cost of $190 per month. Normally, car insurance for 16-year-olds costs an average of $340 (thanks to their inexperience behind the wheel).

Teenagers who can’t join an existing policy can get their own cheap auto insurance from NJM. We found that the cost of standalone car insurance for a 16-year-old driver is $306 per month (46% cheaper than average).

Compare rates for teens

Company

Average monthly rate

Average annual rate

NJ Manufacturers

$190

$2,280

MAPFRE

$202

$2,420

USAA

$225

$2,704

GEICO

$231

$2,773

Auto-Owners Insurance

$242

$2,906

Runner-up pick: GEICO

If NJM doesn’t operate where you live, the next-cheapest car insurance for families with teen drivers is GEICO, which is available everywhere, boasts good customer service scores, and costs an average of $231 for coverage with a teen driver.

→ Read about how car insurance rates change as you age

Cheapest car insurance for bad credit: Nationwide

Nationwide

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Nationwide logo

Average cost

$184/month with bad credit

Even with bad credit, which usually means higher rates, you can still get cheap auto insurance coverage with Nationwide.

Annual cost: $2,205 with bad credit

Complaints for service: Low

Compare rates

Nationwide's extra coverage options, discounts, and availability

Nationwide extra coverage options

  • Accident forgiveness
  • Emergency roadside assistance
  • Gap coverage
  • Rental car reimbursement
  • Vanishing deductible
  • Waived deductible after total loss

Nationwide discounts

  • Accident free
  • Anti-theft system
  • Automatic payment
  • Defensive driving course
  • Good driver
  • Good student

- Paperless

Available states AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Nationwide is the cheapest car insurance for drivers who have poor or bad credit. With Nationwide, car insurance for drivers with bad credit costs $184 per month on average, 29% cheaper than with other companies.

While car insurance is usually more expensive for drivers with bad credit, in some states (California, Hawaii, Massachusetts, Michigan, and Washington) it’s illegal for companies to charge more or less because of your credit score — so in those states, bad credit won’t mean higher rates.

Compare rates for drivers with bad credit

Company

Average monthly rate

Average annual rate

USAA

$168

$2,018

Nationwide

$184

$2,205

American Family

$184

$2,206

GEICO

$185

$2,219

Travelers

$240

$2,880

Cheapest non-standard car insurance: National General

National General

National General logo

Average cost

$240/month for non-standard drivers

Other companies might not offer coverage to non-standard drivers who have a DUI on their record and have had their license suspended, but National General specializes in non-standard insurance.

Annual cost: $2,878 for non-standard drivers

Complaints for service: High

Compare rates

National General's extra coverage options, discounts, and availability

National General extra coverage options

  • Accidental death and dismemberment coverage
  • Emergency roadside assistance

National General discounts

  • Anti-theft system
  • Good driver
  • Low mileage
  • Multi-policy (bundling)
  • Multi-vehicle
  • Paperless
  • Pay in full

Available states

AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Non-standard car insurance isn’t as cheap or as common as standard coverage, but there are still some companies that are known for offering this type of coverage at an affordable price. We found that the cheapest insurance for non-standard drivers comes from National General, which is backed by Allstate.

On average, National General costs non-standard drivers $240 per month. That’s more expensive than a normal policy but 9% cheaper than the average cost of car insurance after a DUI and license suspension.

Compare rates for non-standard coverage

Company

Average monthly rate

Average annual rate

National General

$240

$2,878

Dairyland

$325

$3,900 

Bristol West

$330

$3,900 

SafeAuto

$378

$4,535

UAIC

$434

$5,207

Who needs non-standard car insurance?

You might need non-standard auto insurance if you’ve had to file an SR-22 after a serious driving violation. States usually require SR-22s after your license is suspended or you’re pulled over for a DUI. The document isn’t a type of insurance, but it proves that you have coverage.

Full list of the best cheap car insurance companies

We evaluated the average price, customer service quality, and coverage offerings from top companies to find the best car cheap car insurance.

GEICO is our overall pick for the best and cheapest car insurance, but there are other options that may be the best pick for you. Check out our longer list of the best cheap car insurance companies:

Company

Policygenius rating

Average monthly rate

Complaints received

GEICO

4.6

$34

Below average (0.73)

COUNTRY Financial

4.3

$44

Below average (0.14)

Travelers

4.3

$57

Below average (0.93)

Farm Bureau

4.2

$40

Below average (0.08)

Amica

4.2

$68

Below average (0.79)

American Family

4.2

$56

Below average (0.22)

MAPFRE

4.1

$28

Below average (0.29)

Progressive

4.1

$61

Above average (1.26)

Allstate

4

$63

Below average (0.63)

USAA

4

$31

Above average (1.24)

Shelter

4

$63

Below average (0.39)

National General

4

$52

Above average (5.39)

NJM

3.9

$69

Below average (0.09)

Erie

3.9

$31

Above average (1.69)

Farmers

3.9

$65

Below average (0.99)

Auto-Owners Insurance

3.9

$27

Below average (0.70)

State Farm

3.8

$40

Below average (0.71)

Nationwide

3.8

$52

Below average (0.44)

Rates are for a minimum-coverage policy for a driver with no recent accidents or violations

→ Read about our other picks for the top insurance companies for different drivers

Our picks are a starting place, but there’s no guarantee that the cheapest car insurance company for one driver will also be your cheapest option. 

That’s because rates vary by everything from your location to your age to your driving history. Before you start looking for coverage, take a look at some of the cheapest companies for drivers in your area or with your profile..

Then, compare quotes from at least a few companies. We estimate that drivers who don’t compare before buying what they think is the cheapest insurance can overpay by $279 each month.

Learn more about buying cheap car insurance

Cheapest car insurance companies by state

Car insurance costs vary by location, and the cheapest company in one state may not be the most affordable option in another. We found that USAA is the cheapest option in 17 states, the most of any one company. GEICO has the cheapest car insurance in 14 states, just behind USAA.

State

Cheapest company

Second-cheapest

Alabama

GEICO

USAA

Alaska

USAA

State Farm

Arizona

Root

GEICO

Arkansas

USAA

State Farm

California

Wawanesa

GEICO

Colorado

American National

GEICO

Connecticut

GEICO

State Farm

Delaware

State Farm

Travelers

District of Columbia

GEICO

USAA

Florida

GEICO

State Farm

Georgia

Auto-Owners Insurance

USAA

Hawaii

GEICO

State Farm

Idaho

American National

Auto-Owners

Illinois

Pekin

Auto-Owners

Indiana

USAA

GEICO

Iowa

State Farm

West Bend Mutual

Kansas

USAA

GEICO

Kentucky

GEICO

State Farm

Louisiana

USAA

State Farm

Maine

GEICO

Auto-Owners

Maryland

USAA

GEICO

Massachusetts

GEICO

USAA

Michigan

GEICO

USAA

Minnesota

Farm Bureau

USAA

Mississippi

USAA

State Farm

Missouri

USAA

State Farm

Montana

USAA

State Farm

Nebraska

Auto-Owners Insurance

Nationwide

Nevada

GEICO

State Farm

New Hampshire

USAA

State Farm

New Jersey

GEICO

Palisades

New Mexico

USAA

State Farm

New York

Progressive

American Family

North Carolina

GEICO

Erie

North Dakota

USAA

State Farm

Ohio

GEICO

USAA

Oklahoma

USAA

State Farm

Oregon

State Farm

COUNTRY

Pennsylvania

State Farm

Erie

Rhode Island

State Farm

USAA

South Carolina

American National

GEICO

South Dakota

Kemper

State Farm

Tennessee

State Farm

USAA

Texas

Farm Bureau

State Farm

Utah

GEICO

USAA

Vermont

State Farm

USAA

Virginia

USAA

State Farm

Washington

USAA

PEMCO

West Virginia

USAA

State Farm

Wisconsin

USAA

GEICO

Wyoming

American National

USAA

Compare rates and shop affordable car insurance today

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Cheap auto insurance companies by city

Car insurance is usually more expensive for drivers in big cities. Crowded streets mean more accidents, and more accidents mean higher average rates than those for drivers living in less densely populated parts of the country.

Here are the cheapest car insurance companies in the 25 biggest cities in the U.S., ranked by population:

City

Cheapest company

Average monthly rate

New York, NY

American Family

$111

Los Angeles, CA

Wawanesa

$101

Chicago, IL

Pekin

$72

Houston, TX

Farm Bureau

$87

Phoenix, AZ

GEICO

$58

Philadelphia, PA

State Farm

$108

San Antonio, TX

Farm Bureau

$70

San Diego, CA

Wawanesa

$78

Dallas, TX

Farm Bureau

$95

San Jose, CA

Wawanesa

$84

Austin, TX

Farm Bureau

$83

Jacksonville, FL

GEICO

$112

Fort Worth, TX

Farm Bureau

$85

Columbus, OH

GEICO

$62

Indianapolis, IN

USAA/GEICO

$61

Charlotte, NC

GEICO

$53

San Francisco, CA

Wawanesa

$87

Seattle, WA

USAA/GEICO

$95

Denver, CO

American National

$81

Oklahoma City, OK

USAA/GEICO

$85

Nashville, TN

USAA/State Farm

$72

El Paso, TX

Farm Bureau

$86

Washington, DC

GEICO

$83

Boston, MA

GEICO

$94

Las Vegas, NV

GEICO

$76

→ Curious what insurance costs in your city? Estimate costs with our free calculator

Cheap auto insurance by age

There are fewer cheap car insurance companies for drivers under 25, but that doesn’t mean young adults can’t find affordable coverage. 

The cheapest car insurance for most age groups is State Farm or GEICO. (USAA is often more affordable, but isn’t available to the general public.) Depending on where you live, a smaller company may be even cheaper.

Driver age

Cheapest national company

Cheapest regional company

16

State Farm

Erie and COUNTRY

17

State Farm

Erie

18

State Farm*

COUNTRY

19

State Farm

Erie

20

State Farm

Erie

21

GEICO

Erie

25

GEICO

Erie

30

GEICO

MAPFRE

35

State Farm*

MAPFRE

45

State Farm*

MAPFRE

55

GEICO

MAPFRE

60

State Farm*

MAPFRE

65

State Farm*

MAPFRE

70

State Farm*

MAPFRE

For asterisked companies, the cheapest national insurance company is actually USAA.

Easy ways to get cheaper auto insurance

If you live in an area with higher-than-average rates, have an accident or driving violation on your record, are newly licensed — or if you’re just having a hard time finding affordable coverage — there are still ways you can get cheap car insurance.

  1. Shop around for car insurance: The single best way to get the cheapest auto insurance is to get quotes from more than one company. That way you can be sure you’re choosing your cheapest option.

  2. Don’t be afraid to switch companies: Don’t just compare companies the first time you can insurance. Get new quotes whenever your policy’s up for renewal. You can even shop for coverage and switch while your policy is in effect if you think your rates are too high.

  3. Make sure you get the right amount of coverage: Most people should have full coverage. But if one of your cars is an old clunker, you may not need comprehensive and collision coverage on it, or you may not need extras like new car replacement or roadside assistance coverage. 

  4. Set the right deductibles: Your deductible is the amount you pay out of pocket on a comprehensive or collision claim. You can get cheaper insurance by raising your deductible, but setting your deductibles too high can keep you from using your insurance at all.

  5. Keep a good driving record: Safer drivers get cheaper insurance rates because they’re less likely to make claims. As long as your driving record remains clean, your rates will be cheaper.

  6. Bundle coverage whenever you can: Companies usually offer significant discounts to drivers who combine their auto insurance with another type of coverage from the same company. Most people bundle their home (or renters) with their auto insurance, but you can bundle other types of insurance, too.

  7. Pay for your car insurance all at once: If you can afford it, you can get cheaper car insurance by paying your entire annual premium at once instead of monthly. If you change your mind and want to switch insurance companies later, you’ll be refunded for the months you weren’t covered.

  8. Tell your insurance company when your life changes: While you shop for car insurance, any discounts that you qualify for will be automatically applied to your policy. But you can get cheaper auto insurance if you experience a big change during your policy, like if you get married or buy a home.

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How to get cheaper car insurance with common discounts

Nearly every company offers at least a couple of ways to reduce your car insurance rates with discounts.

There are different types of car insurance discounts — some award savings for how you drive while others are for choices you make about your policy.

  • Safety and security discounts: You can get cheaper car insurance if you have a vehicle that’s outfitted with safety features or anti-theft tech, like crash avoidance alerts, lane departure warnings, alarm systems, and anti-theft GPS tracking devices. 

  • Lifestyle discounts: Insurance companies sometimes award discounts to drivers who own their own home, complete approved defensive driving courses, or are over a certain age (senior discounts usually apply to drivers over 55).

  • Good and distant student discounts: Young drivers can get more affordable auto insurance by keeping their grades high while in school or taking certain driver education classes. You can also get lower rates if you live far from home and don’t have your own car.

  • Affinity and employment discounts: You can usually get cheaper car insurance if you’re a part of a sorority, fraternity, or university. If you’re not in an affinity group, you can still get discounts if you have a certain job, like if you’re a nurse or you’re in the military, or you work for a company with a discount program.

  • Policy discounts: Bundling policies, setting up automatic payments, switching to paperless billing, and staying loyal to the same company can usually save you money.

  • Usage-based or per-use discounts: These discounts are tied to how well you drive and how much you use your car. If you’re comfortable with having your behavior monitored, both can be excellent ways to get cheaper rates.

How to find even more discounts

Companies automatically apply some discounts. But talking to an independent agent can actually help you get cheaper rates, since they’ll be able to tell you if you qualify for other discounts that might not be listed online.

Why is it harder for some drivers to get cheap car insurance?

Some groups have a harder time finding cheap car insurance. When insurance companies think you’re more likely to make a claim, it will get tougher to find cheap insurance rates.

Not many companies offer affordable rates to young drivers — especially teenagers, because they’re more of a risk to insure. Car insurance costs can also be high if you’ve been in a crash or gotten a traffic ticket, have poor credit, or if you’ve made a past claim.

On the other hand, it’s easier for drivers to find cheaper insurance when insurance companies don’t expect them to make future claims. People who drive less often or live in rural areas, have had their license for decades, or who have excellent credit can usually find more companies offering affordable auto insurance.

Should you get the cheapest car insurance?

We don’t recommend it. While it’s tempting to search for the absolute cheapest car insurance you can find, it’s often not a good idea for most drivers. 

The cheapest insurance you can get is a policy that only includes the minimum amount of liability required in  your state (along with whatever other forms of coverage are required by law). It doesn’t include comprehensive or collision coverage.

Minimum coverage costs more than $1,000 less per year than full-coverage, but getting just the minimum amount of coverage required by your state means that if you’re at fault in an accident and the damage you cause is more than your liability limits, you’ll be on the hook for the rest yourself. 

That could mean owing tens of thousands of dollars to an injured driver — or having to pay out of pocket for their totaled car. 

Not having full-coverage also means damage to your own car isn’t covered by your policy, so if you crash into a telephone pole or a tree branch falls on the hood of your car, you’ll have to foot the bill.

Is shopping for car insurance all about price?

"Shopping for insurance is not all about price, but price is useful as a significant, concrete factor that’s also easy to understand. Claims handling and scope of coverage are also both important." - Peter KochenbergerExecutive Director of the Insurance LLM Program and Deputy Director of the Insurance Law Center at UConn

Recap of the cheapest car insurance companies

  • Cheapest car insurance for most people: GEICO

  • Cheapest regional car insurance company: Auto-Owners Insurance

  • Cheapest car insurance for military families: USAA

  • Cheapest car insurance for good drivers: Progressive

  • Cheapest car insurance after a speeding ticket: Erie

  • Cheapest car insurance after an accident or DUI: State Farm

  • Cheapest car insurance for first-time drivers: NJM

  • Cheapest car insurance for drivers with bad credit: Nationwide

  • Cheapest non-standard car insurance: National General

Frequently Asked Questions

What is the cheapest place to get car insurance?

USAA has the cheapest auto insurance, at $31 per month. But GEICO is the cheapest car insurance company for the general public, with rates that cost $34 per month. Auto-Owners has the cheapest car insurance at the local level, with rates at $27 per month.

Is GEICO really the cheapest for everyone?

Insurance costs $34 from GEICO, which makes it our pick for the cheapest car insurance for most people. Good drivers who want full coverage can get cheap rates from Progressive ($70 per month). People who have been in an accident or DUI can get cheap insurance from State Farm ($129 per month)

How can you get cheaper insurance?

To get cheap insurance, we recommend comparing quotes from more than one company in your area. You should also switch coverage if your rates get too high. Also, make sure you have the right amount of coverage for your car, keep a good driving record, bundle your coverage, and tell your insurance company if you think you qualify for any discounts.

How do you find the best cheap car insurance?

The cheapest rates might not be the best company for you. When you’re shopping for car insurance, be sure that you compare rates to get the lowest price in your area, and then check the number of complaints each company receives for its service. You should also make sure that any company you choose has the types of insurance coverage that you’ll need.

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