See car insurance quotes from our partners

auto-home-phone-hero

Cheap car insurance: Find your best rates

Our analysis found that the cheapest car insurance company in the U.S. was American National, with an average annual premium of $689.

Stephanie Nieves author photoAnna Swartz 1600

By

Stephanie Nieves

Stephanie Nieves

Property and Casualty Insurance Expert

Stephanie Nieves is an insurance editor at Policygenius in New York City, specializing in home and auto insurance. Her work has appeared in Business Insider, PayScale, Fairygodboss, and The Muse.

&

Anna Swartz

Anna Swartz

Insurance Expert

Anna Swartz is a Managing Editor at Policygenius, specializing in auto insurance. Her work has appeared in Mic, The Dodo, AOL, MSN, HuffPost, Salon and Heeb.

Updated October 7, 2021|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

Car insurance rates can vary from driver-to-driver based on things like age, driving record or location — but they can also vary widely by company. Our analysis found that the cheapest car insurance in the U.S. was from American National, with an average annual premium of $689 a year.

Ready to shop car insurance?

Start calculator

But the cheapest company overall isn’t the cheapest company for every driver — to find the best rates for you, you should look for the cheapest company in your state, and still make sure you compare quotes from other companies before you settle on a policy.

Key Takeaways

  • According to our analysis, American National had the cheapest rates for a full coverage policy 

  • The cheapest car insurance company in California was Wawanesa, with an average annual premium of $1,110

  • GEICO offered the cheapest rates in multiple states, including Alabama, Connecticut, Florida, Michigan, and New Jersey

The cheapest car insurance companies

The cheapest car insurance companies in the U.S. aren’t always the cheapest companies for every driver — but they can be a good starting point. These companies offered the cheapest average rates for a full coverage policy. 

CompanyAverage annual premium
American National$689
Concord General$741
Root$747
Farmers$776
Auto-Owners Insurance$789

Ready to shop car insurance?

Start calculator

The cheapest car insurance company in every state

StateCompanyCost
AlabamaGEICO$977
AlaskaUSAA$930
ArizonaRoot$747
ArkansasUSAA$962
CaliforniaWawanesa$1,110
ColoradoAmerican National$811
ConnecticutGEICO$756
DelawareState Farm$1,152
District of ColumbiaGEICO$1,025
FloridaGEICO$1,432
GeorgiaAuto-Owners Insurance$858
HawaiiGEICO$785
IdahoAmerican National$498
IllinoisFAIA$712
IndianaUSAA$706
IowaState Farm$719
KansasUSAA$912
KentuckyGEICO$1,019
LouisianaUSAA$1,486
MaineGEICO$571
MarylandUSAA$806
MassachusettsGEICO$1,067
MichiganGEICO$1,059
MinnesotaWestern Agriculture$964
MississippiUSAA$856
MissouriUSAA$741
MontanaUSAA$856
NebraskaAuto-Owners Insurance$1,036
NevadaGEICO$1,043
New HampshireUSAA$676
New JerseyGEICO$1,078
New MexicoUSAA$907
New YorkMain Street America$1,033
North CarolinaGEICO$736
North DakotaUSAA$786
OhioUSAA$711
OklahomaUSAA$949
OregonState Farm$843
PennsylvaniaErie$1,018
Rhode IslandState Farm$983
South CarolinaAmerican National$683
South DakotaKemper$1,128
TennesseeState Farm$755
TexasTexas Farm Bureau$1,036
UtahGEICO$856
VermontState Farm$666
VirginiaUSAA$776
WashingtonUSAA$1,033
West VirginiaUSAA$869
WisconsinUSAA$680
WyomingAmerican National$763

The cheapest car insurance companies for drivers with a DUI

A DUI is a serious violation that can have a big impact on your car insurance rates. Drivers with a recent DUI should shop around before they choose a policy, because some companies are more willing to insure drivers with a DUI than others.

CompanyAverage premium after a DUI
Root$709
Integrity Insurance$1,006
American Family$1,143
American National$1,199
Umialik$1,355

The cheapest car insurance for drivers with bad credit

Drivers with low credit scores pay more for car insurance, and drivers with higher credit scores see lower rates. But some companies will still offer affordable rates to drivers whose credit falls in the “Poor” range.

CompanyAverage rate for "Poor" credit
Root$946
National General$997
Utica National$1,066
Progressive$1,185
Concord Group$1,231

How to get the cheapest full coverage car insurance

Most drivers need what’s referred to as full coverage car insurance, which is a policy that includes comprehensive and collision coverage in addition to liability coverage. While full coverage car insurance costs more than just getting the bare minimum, there are ways to bring down your rates and still get the protection you need.

  1. Shop around. Policygenius can help you compare quotes from multiple insurers and make it easy to choose the best coverage at the best rates

  2. Set the right limits and deductibles. Consulting with an independent expert can help you make sure you’re not paying for more coverage than you need. Setting a higher deductible can also mean lower rates.

  3. Look into discounts. Car insurance companies offer discounts to help you save on your policy. Get familiar with common car insurance discounts and make sure you’re getting all the savings you qualify for. 

Car insurance discounts that can reduce your rates

You can reduce your car insurance rates by earning discounts for anything from driving safely to bundling policies with the same insurer. Different insurance companies offer different discounts, so check with yours to see which ones you are eligible for. The most common car insurance discounts include:

  • Safe driver discount: A history of safe driving with no accidents or violations can save you big bucks when you apply. You might also be eligible for a discount by completing a driver’s education course 

  • Claims free discount: Drivers who’ve gone a certain amount of time without filing a claim can earn a discount

  • Safety and security equipment discounts: You may be able to get a discount for having an anti-theft device in your car, such as an alarm system or a GPS tracker

  • University or military affiliation discounts - Being affiliated with a sorority, fraternity, or university can result in premium discounts with certain insurers. A similar discount may also be extended to drivers who have served in the military or who work for certain employers

  • Bundling discounts: You can save big when you bundle your home and auto insurance policies. You may also be able to save by bundling your car and motorcycle policy or your auto and renters policy

  • Paying in full: You may be offered a discount if you decide to pay your annual car insurance premium up front rather than monthly

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

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

More about

Auto Insurance

What is a car insurance premium?

A car insurance premium is the regular cost you pay to keep your policy active. In general, the more risk you pose, the higher your premiums will be.

Read more

How to lower your car insurance costs

Getting all the available discounts, choosing the right car or shopping around for new coverage can all save you money on car insurance.

Read more