The Best and Cheapest Car Insurance Companies 2023

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#1
/112
USAA
4.72 ★★★★★
4.72 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#2
/112
4.68 ★★★★★
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Rated Prices
Excellent
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#3
/112
4.59 ★★★★★
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Rated Prices
Excellent
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#4
/112
4.55 ★★★★★
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Rated Prices
Excellent
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#5
/112
4.53 ★★★★★
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Rated Prices
Excellent
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#6
/112
4.29 ★★★★★
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Rated Prices
Excellent
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#7
/112
4.28 ★★★★★
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Excellent
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#8
/112
4.26 ★★★★★
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Excellent
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#9
/112
4.26 ★★★★★
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Excellent
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#10
/112
4.22 ★★★★★
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Rated Prices
Excellent
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#11
/112
4.21 ★★★★★
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Rated Prices
Excellent
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#12
/112
4.20 ★★★★★
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Rated Prices
Excellent
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#13
/112
4.19 ★★★★★
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Rated Prices
Excellent
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#14
/112
4.18 ★★★★★
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Rated Prices
Excellent
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#15
/112
4.18 ★★★★★
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Excellent
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#16
/112
4.18 ★★★★★
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Rated Prices
Excellent
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#17
/112
4.17 ★★★★★
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Rated Prices
Excellent
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#18
/112
4.17 ★★★★★
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Rated Prices
Excellent
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#19
/112
4.16 ★★★★★
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Rated Prices
Excellent
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#20
/112
Grinnell Mutual
4.16 ★★★★★
4.16 ★★★★★
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Excellent
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#21
/112
The Hartford
4.15 ★★★★★
4.15 ★★★★★
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Rated Prices
Excellent
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#22
/112
4.15 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#23
/112
Metromile
4.14 ★★★★★
4.14 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#24
/112
4.14 ★★★★★
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Rated Prices
Excellent
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#25
/112
4.13 ★★★★★
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Excellent
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#26
/112
AAA
4.13 ★★★★★
4.13 ★★★★★
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Rated Prices
Excellent
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#27
/112
4.12 ★★★★★
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Rated Prices
Excellent
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#28
/112
4.11 ★★★★★
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Rated Prices
Excellent
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#29
/112
4.11 ★★★★★
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Rated Prices
Excellent
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#30
/112
Alfa Insurance
4.10 ★★★★★
4.10 ★★★★★
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Rated Prices
Excellent
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#31
/112
4.10 ★★★★★
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Rated Prices
Excellent
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#32
/112
4.10 ★★★★★
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Rated Prices
Excellent
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#33
/112
4.09 ★★★★★
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Rated Prices
Excellent
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#34
/112
4.09 ★★★★★
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Rated Prices
Excellent
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#35
/112
4.09 ★★★★★
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Rated Prices
Excellent
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#36
/112
4.09 ★★★★★
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Rated Prices
Excellent
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#37
/112
4.09 ★★★★★
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Rated Prices
Excellent
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#38
/112
4.09 ★★★★★
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Rated Prices
Excellent
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#39
/112
4.08 ★★★★★
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Rated Prices
Excellent
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#40
/112
4.07 ★★★★★
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Rated Prices
Excellent
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#41
/112
4.07 ★★★★★
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Rated Prices
Excellent
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#42
/112
4.07 ★★★★★
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Rated Prices
Excellent
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#43
/112
4.06 ★★★★★
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Rated Prices
Excellent
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#44
/112
4.06 ★★★★★
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Rated Prices
Excellent
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#45
/112
4.06 ★★★★★
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Rated Prices
Excellent
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#46
/112
4.05 ★★★★★
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Rated Prices
Excellent
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#47
/112
4.05 ★★★★★
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Excellent
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#48
/112
Nationwide
4.04 ★★★★★
4.04 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#49
/112
4.04 ★★★★★
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Rated Prices
Excellent
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#50
/112
4.02 ★★★★★
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Excellent
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#51
/112
MetLife, Inc.
4.02 ★★★★★
4.02 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#52
/112
4.01 ★★★★★
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Excellent
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#53
/112
Allstate
4.00 ★★★★★
4.00 ★★★★★
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Rated Prices
Excellent
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#54
/112
4.00 ★★★★★
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Rated Prices
Excellent
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#55
/112
Esurance, Inc.
3.99 ★★★★★
3.99 ★★★★★
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Excellent
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#56
/112
3.99 ★★★★★
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Rated Prices
Excellent
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#57
/112
3.97 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#58
/112
3.96 ★★★★★
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Rated Prices
Excellent
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#59
/112
3.94 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#60
/112
3.93 ★★★★★
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Rated Prices
Excellent
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#61
/112
3.92 ★★★★★
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Rated Prices
Excellent
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#62
/112
3.92 ★★★★★
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Rated Prices
Excellent
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#63
/112
3.91 ★★★★★
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Rated Prices
Excellent
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#64
/112
3.91 ★★★★★
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Rated Prices
Excellent
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#65
/112
3.90 ★★★★★
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Would recommend to a friend
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Excellent
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#66
/112
SECURA Insurance
3.90 ★★★★★
3.90 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#67
/112
MAPFRE Insurance
3.89 ★★★★★
3.89 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#68
/112
3.88 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#69
/112
3.86 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#70
/112
3.86 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#71
/112
Pekin Insurance
3.85 ★★★★★
3.85 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#72
/112
3.84 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#73
/112
3.82 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#74
/112
Dairyland
3.82 ★★★★★
3.82 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#75
/112
IMT Insurance
3.81 ★★★★★
3.81 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#76
/112
3.80 ★★★★★
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Rated Prices
Excellent
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#77
/112
3.79 ★★★★★
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Rated Prices
Excellent
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#78
/112
3.79 ★★★★★
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Rated Prices
Excellent
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#79
/112
3.75 ★★★★★
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Rated Prices
Excellent
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#80
/112
3.73 ★★★★★
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Rated Prices
Excellent
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#81
/112
3.72 ★★★★★
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Rated Prices
Excellent
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#82
/112
3.69 ★★★★★
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Rated Prices
Excellent
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#83
/112
3.65 ★★★★★
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Rated Prices
Excellent
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#84
/112
3.57 ★★★★★
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Rated Prices
Excellent
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#85
/112
3.55 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#86
/112
3.53 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#87
/112
3.53 ★★★★★
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Rated Prices
Excellent
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#88
/112
3.50 ★★★★★
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Rated Prices
Excellent
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#89
/112
3.48 ★★★★★
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Rated Prices
Excellent
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#90
/112
3.43 ★★★★★
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Rated Prices
Excellent
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#91
/112
GoAuto
3.41 ★★★★★
3.41 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#92
/112
3.41 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#93
/112
Clearcover
3.40 ★★★★★
3.40 ★★★★★
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Would recommend to a friend
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Rated Prices
Excellent
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#94
/112
3.33 ★★★★★
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Rated Prices
Excellent
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#95
/112
3.30 ★★★★★
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Rated Prices
Excellent
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#96
/112
3.28 ★★★★★
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Rated Prices
Excellent
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#97
/112
3.27 ★★★★★
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Rated Prices
Excellent
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#98
/112
3.25 ★★★★★
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Rated Prices
Excellent
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#99
/112
Root Insurance
3.23 ★★★★★
3.23 ★★★★★
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Rated Prices
Excellent
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#100
/112
2.94 ★★★★★
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Rated Prices
Excellent
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#101
/112
2.89 ★★★★★
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Rated Prices
Excellent
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#102
/112
2.72 ★★★★★
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Excellent
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#103
/112
2.71 ★★★★★
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#104
/112
2.71 ★★★★★
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#105
/112
2.70 ★★★★★
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#106
/112
2.68 ★★★★★
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#107
/112
Pronto Insurance
2.66 ★★★★★
2.66 ★★★★★
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Excellent
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#108
/112
2.59 ★★★★★
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#109
/112
Good2Go
2.52 ★★★★★
2.52 ★★★★★
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Excellent
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#110
/112
2.32 ★★★★★
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Excellent
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#111
/112
2.25 ★★★★★
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Excellent
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#112
/112
1.96 ★★★★★
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Things to Remember:

  • State Farm is the cheapest insurance company overall
  • Erie offers the lowest rates for drivers with tickets
  • GEICO offers the cheapest discounts for drivers

It goes without saying that having car insurance is required in many states across the country. While New Hampshire and Virginia are the only states not to require auto insurance, every U.S. state mandates drivers to possess some form of financial responsibility in the event of a car accident.

The problem is that auto insurance rates can oftentimes be expensive for everyday Americans. If you need car insurance but want the cheapest rates possible, you’re not alone. It’s possible to receive great coverage at quotes you can afford.

In this comprehensive guide, we’ll break down all of the best and cheapest car insurance companies to consider if you’re in the market for affordable car insurance.

On this page:

What is the cheapest car insurance company for you?

Auto insurance rates vary tremendously based on a wide array of factors. For this reason, it’s difficult to pinpoint the exact rates you can expect to pay if you’re shopping for car insurance.

Did you know that the same driver can be charged $50 per month from one insurance company and $400 per month from another?

Our analysis — based on several million insurance quotes from 37 companies across the country — determines that the best way to receive the cheapest car insurance rates is to shop around and field multiple quotes.

In addition, to find the most affordable rates, you have to know which companies have a reputation for providing the cheapest rates. Again, insurance rates can vary depending on a lot of factors, such as:

  • Location. The area you live in dramatically affects your insurance rates, especially if your neighborhood is in a high-crime zone.
  • Driving History. Can your insurance company trust that they won’t pay out a claim every few months? Your driving history will play a role in the rates you receive.
  • Credit Score. While you may not be denied outright due to your credit score, it can have an impact on your rates.

As you can see, cheap auto insurance rates are subjective to every driver based on these factors. Based on our extensive analysis, here are the cheapest insurance companies by category:

  • State Farm. Cheapest overall auto insurance company
  • Erie. Cheapest for drivers with tickets
  • GEICO. Cheapest discounts available for drivers
  • Auto-Owners. Cheap for families
  • Metromile. Cheap for drivers with safe records
  • Farm Bureau. Cheap for drivers with poor credit
  • USAA. Cheapest option for military families

Let’s break down each option to help you become a more informed shopper.

Cheapest Insurance Company Overall: State Farm

State Farm is the largest insurance company in the United States. Surprisingly, they also offer the cheapest insurance rates in 29 states.

Being the largest United States insurance provider, the company boasts an impressive arsenal of local agents that can help you choose the best rates for your vehicle. Compared to other options, State Farm is the best and least expensive insurance option for most drivers.

Compared to USAA, State Farm is a more inclusive option. Other options, such as Farm Bureau and Auto-Owners, are more expensive when you pursue full coverage options and add-ons.

###Cheapest for Drivers with Tickets or Accidents: Erie If you have an imperfect driving record, it can seem impossible to find affordable auto insurance rates. Fortunately, Erie Insurance is one of the only auto insurance companies to provide cheap rates to drivers with tickets.

Based in Erie, Pennsylvania, this company provides a full spectrum of affordable rates for drivers even with an accident and a DUI on their driving record. Compared to other options, Erie will increase your rates the least after an accident.

For example, a speeding ticket will affect your auto insurance rates. However, Erie will only increase your auto insurance rate by 7% if you get a ticket, which is much lower than the standard 22% increase you can expect from other companies.

Also, if you were at fault, Erie would increase your insurance premium by 25% instead of 44%. Finally, the average quote for a driver with a DUI on their record is $2,257 per year with Erie. You can expect another insurance company to double your rate after a DUI.

As you can see, Erie makes it possible to obtain affordable insurance despite what your driving record looks like. So while you can still expect to pay a higher premium if you have an imperfect driving record, you at least won’t have to have your rates doubled past your budget.

Unfortunately, Erie Insurance is only available in 12 states. Use our free comparison tool above to see which cheap auto insurance companies are available in your state.

Cheapest for Good Drivers: GEICO

GEICO has some of the most affordable car insurance rates, ranking second to State Farm. As one of the largest insurance companies in the country, GEICO can even offer cheaper rates than State Farm, depending on where you live.

In fact, GEICO is the cheapest insurance company in seven states, which include Florida and California. Unlike State Farm, GEICO offers the best discounts for all kinds of customers.

While GEICO’s insurance rates are slightly more expensive than State Farm’s, you can expect to pay far less if you qualify for one of their discounts. The good news is that GEICO offers a long list of discounts to choose from.

For example, GEICO offers a large 22% discount for drivers with a clean driving record, compared to the national average of 10%. Also, if you take the necessary steps to make your vehicle safe, GEICO will reward you with increased savings.

For example, installing anti-theft devices can save you up to 23% on your premium with GEICO, which is higher than the 15% national average.

Cheapest for Families: Auto-Owners

If you have children near driving age, you should get a headstart in exploring the market for low insurance premiums for families. If you’re new to underage insurance, it’s important to first point out that it’s usually cheaper to add your child to your policy.

Buying a separate policy for your child can lead to exorbitant insurance rates. The next challenge is locating insurance companies that won’t charge you an arm or leg for underage coverage.

Fortunately, Auto-Owners offers some of the most affordable insurance premiums for drivers under 21 that are still attached to their parent’s policy. A teenager on a separate plan can expect to pay $345 monthly for coverage.

If you add your teenager to your plan, this rate can decrease to $152 per month. What’s more, is that AutoOwners has great customer service ratings, enabling customers to file a car insurance claim through an agent, over the internet, or via the mobile app.

This level of excellent customer service is ideal for college students who are away from home and need to file a claim. The caveat is that Auto-Owners is only available in 26 states, so you’ll need to contact an agent in your area to get a quote.

Cheapest for Drivers with Safe Driving Records: Metromile

Buying an insurance policy with a set rate isn’t for everyone. There are some drivers who have extremely clean records and don’t drive often. If you fit this category, the good news is that you can save a lot of money on car insurance with Metromile.

Metromile offers pay-per-mile and usage-based insurance policies for safe drivers. In fact, Metromile was one of the first insurance companies to offer this type of coverage. With that said, how much do you have to drive to get the best coverage from Metromile?

Ideally, drivers considering Metromile should drive less than 10,000 miles every year. Usage-based car insurance is one of the cheapest options available because rates are determined by how well and often you drive.

It’s a great option for:

  • Safe drivers
  • Young drivers
  • People with poor credit
  • Drivers living in congested areas or high-risk neighborhoods

Whether you’re retired, work from home, or live on a college campus, Metromile is a great auto insurance option to consider. The downside is that Metromile is only available in eight U.S. states, which include:

  • Arizona
  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennsylvania
  • Virginia
  • Washington

If you don’t live in any of these states, you should consider other insurance companies that simply offer discounts for infrequent driving, such as State Farm and Nationwide.

Cheapest for Drivers with Poor Credit: Farm Bureau

Again, your credit score does have an impact on the rate you’ll receive from an insurance company. This may seem controversial because your credit should have nothing to do with how well you drive.

Though, many insurance companies believe a correlation exists between a driver’s credit score and their willingness to file a claim. They cite several studies proving that drivers with bad credit are more likely to file claims.

Since they are more expensive to insure, many auto insurance companies charge high premiums for coverage. If you have poor credit, Farm Bureau is your best option for affordable rates.

Drivers with poor credit can expect their rate to be approximately $1,278 per year. Farm Bureau offers slightly lower auto insurance rates than GEICO for drivers with poor credit. In fact, their rates are 12% lower than the national average.

If you’re considering Farm Bureau, you should know that you don’t have to be a farmer to apply for coverage. Much like AAA, you’ll have to pay a membership fee to apply, which can be up to $100 per year.

Cheapest for Military Families: USAA

USAA is the cheapest auto insurance company around, beating State Farm by a large amount. The caveat here is that USAA is only available for active members of the military, veterans, and their families.

USAA is the fifth-largest insurance company in the nation and serves just as many people as other prominent companies, such as Allstate and Progressive.

On top of that, USAA isn’t just known for its affordable auto insurance rates — the company also has an outstanding customer service reputation. According to every yearly J.D. Power's Auto Insurance Claims Satisfaction Study, USAA ranks highly in customer service.

USAA also has a very low complaint index based on data from the National Association of Insurance Commissioners (NAIC). This means the company is known for providing excellent service in helping customers file claims swiftly.

USAA operates in all 50 states, and if you’re a current and past member of the military, you can enjoy the cheapest auto insurance rates in the country. USAA, like many other companies, is in the business of rewarding heroes for their service to the United States.

Cheapest for Full Coverage: GEICO

Full coverage refers to having both collision and comprehensive coverage. In tandem, full coverage protects you against damage to your vehicle and the legal liability of injuring others and damaging property.

Having this kind of coverage usually comes with a high price tag. Luckily, GEICO offers the lowest auto insurance rates for drivers at $154 per month.

USAA offers the second-lowest rates for full coverage, but it’s only for current and former military members. For example, USAA members can expect to pay approximately $189 monthly for full coverage insurance.

State Farm offers the third-lowest auto insurance rates at $200 per month. Allstate and Esurance also make the list of offering the lowest auto insurance rates for full coverage:

  1. GEICO: $154
  2. USAA: $189
  3. State Farm: $200
  4. Allstate: $248
  5. Esurance: $251

While it’s not required to have full coverage, it’s necessary under specific circumstances. For example, if you’re leasing a car, the lender will require you to carry full coverage insurance. This is done so the lender can protect their investment.

The value of your vehicle also plays a role in seeking full coverage. If your car is only worth $3,000, it may not be worth it to pay $800 a year in monthly premiums.

Cheapest for Minimum Coverage: USAA

Again, full coverage isn’t for everyone. If you want to save money on auto insurance costs or don’t have a valuable car, minimum car insurance may be right for you. Minimum coverage is based on individual state requirements.

In some states, you may even pay less than $100 for coverage. USAA again ranks highly on the list of insurance companies offering the lowest premiums for minimum coverage. You can purchase a policy from USAA for as low as $98 per month.

State Farm is next on the list, with an average rate of $109 per month. Finally, Erie and Auto-Owners make the list as two limited options that aren’t widely available in the United States:

  1. USAA: $98
  2. State Farm: $109
  3. Erie: $115
  4. Farm Bureau: $131
  5. Auto-Owners: $132

State Farm is the only widely available insurance option for drivers searching for the cheapest minimum coverage.

Depending on your credit score and driving record, you may receive a quote that’s even lower than USAA. Overall, there is a small difference between each option on this list.

Cheapest Car Insurance for Seniors: GEICO

So, are insurance rates naturally high for seniors? Insurance rates are not automatically high for seniors. In fact, some insurers offer discounts for seniors, including GEICO.

GEICO is one of the most well-known insurance companies in the world. In addition to offering a variety of insurance products, GEICO is also known for providing some of the best rates in the industry.

For seniors, GEICO offers a number of discounts that can help lower your premium. For example, you may be eligible for a discount if you have a clean driving record or are a member of AAA. In addition, GEICO offers discounts for seniors who take defensive driving courses.

In addition, its customer service is excellent, with policyholders praising the company for being willing to help drivers find the best coverage for their unique needs.

What are the factors that can influence your auto insurance rates?

When you're applying for cheap car insurance, it's important to be mindful of the factors that can add to your rates:

  • Age. Your age can play a role in how much you pay for car insurance. Young drivers are often seen as high-risk and therefore may have to pay higher premiums.
  • Gender. IIHS statistics show that men are more likely to get into accidents than women. As a result, men often have to pay higher premiums.
  • Marital status. Insurers see married couples as more responsible and less likely to get into accidents. This could lead to a discount on your premium.
  • Credit score. A good credit score can help you get lower rates on auto insurance. Companies see people with good credit as more responsible and less likely to make a claim.
  • Driving history. A clean driving record reduces your risk and may earn you a discount on auto insurance. However, if you have accidents or traffic violations, you may have to pay higher rates.
  • Vehicle make and model. Some vehicles are seen as high-risk and may have higher premiums.
  • Claims history. If you've made a lot of claims in the past, you're seen as high-risk and may have to pay a higher premium.
  • ZIP code. The area you live in can have a significant impact on your insurance premium. If you live in a high-crime area, you can almost always expect to pay higher rates regardless of the insurance company you buy from.

The good news is there are many ways for drivers to save on auto insurance. For example, you could choose a policy with a higher deductible. Doing so could lower your overall premium costs. You could also consider dropping certain coverages, such as collision or comprehensive coverage if you drive an older vehicle.

The best way to get the cheapest car insurance rates is to compare quotes from a variety of different insurers. By doing so, you’ll be able to find the insurer that offers the best rates for your particular situation.

What are the different insurance rates by age?

Car insurance rates vary by age for a number of reasons. Typically, younger drivers are considered to be a higher risk than older drivers.

This is because younger drivers are more likely to get into accidents than older drivers. As such, insurers charge higher premiums for younger drivers in order to offset this risk.

In addition, seniors typically have more years of driving experience than younger drivers. This experience can help to offset the increased risk that comes with age. As such, seniors often pay lower premiums than younger drivers.

It's important to point out that other factors can affect your premium despite your age. Your driving history, the type of vehicle you drive, and where you live are just some of the other things that can affect your quotes. In some cases, these factors can have a bigger impact on your premium than your age.

What are the cheapest insurance companies by state?

There are a number of reasons that insurance rates can vary from state to state. One reason is the amount of regulation that each state has in place for the insurance industry.

States with more regulations tend to have higher insurance rates, because insurers have to comply with those regulations, which can add to their costs.

Another reason that insurance rates can differ from state to state is the amount of competition in the market. States with more insurers competing for business tend to have lower rates, because the companies are trying to attract customers by offering lower prices.

Finally, the overall level of risk in a state affects your auto insurance rates. If a state has a high level of risk, such as from natural disasters or crime, then insurers will charge higher rates to cover that risk.

State Farm and GEICO offer low rates in much of the United States, but you should compare auto insurance rates by ZIP code to find the most accurate quotes where you live.

What are the cheapest insurance companies by city?

Auto insurance rates will vary depending on the city you live in. Again, crime rate, regulations, and competition can affect local insurance rates.

Find out how much car insurance costs in your city by entering your ZIP code below.

When you make the decision to buy from an auto insurance company, there are a few considerations to keep in mind.

For example, what kind of car insurance are you looking for? What are the minimum car insurance requirements in your state?

Let's go over all the important terms you're bound to encounter when shopping for cheap car insurance policies:

  • Bodily injury liability. This type of liability coverage applies to injuries that you cause to another person while operating your vehicle. It will help pay for their medical bills, lost wages, and other damages.
  • Property damage liability. This coverage helps pay for damage you cause to someone else's property with your vehicle. That includes damage to their car, but also things like fences, buildings, or mailboxes.
  • Collision and comprehensive coverage. These are optional types of coverage, but they can help pay to repair or replace your car if it's damaged in an accident. Collision coverage covers damage from accidents, and comprehensive coverage covers damage from things like weather events, theft, or vandalism.
  • Personal injury protection (PIP). This is sometimes called "no-fault" coverage, and it can help pay your medical bills and lost wages if you're injured in a car accident, regardless of who caused the accident.
  • Collision and comprehensive coverage. These are optional types of coverage, but they can help pay to repair or replace your car if it's damaged in an accident. Collision coverage covers damage from accidents, and comprehensive coverage covers damage from things like weather events, theft, or vandalism.

You should also consider your deductible. This is the amount you have to pay out-of-pocket before your insurance company steps in to pay the rest. A higher deductible means a lower premium, but it also means more risk for you.

How to Find the Cheapest Car Insurance Coverage

If you're wondering how to get cheap car insurance rates, there are some things you should consider first, like the insurance company, policy, features, and price.

You can't afford to put your hopes in a single insurance company. Here are some valuable tips to follow to lead you to the most affordable outcome for yourself.

Don't Ignore Local Insurance Companies

You might be familiar with the big, national insurance companies that constantly advertise on television. However, you shouldn't discount the local insurers in your search for affordable rates. In fact, some of these smaller insurers may have much lower rates than their larger counterparts.

Local insurers can offer cheaper rates because they don't have to spend as much money on advertising. They also tend to be more focused on providing excellent customer service, which can save you money in the long run.

Shop Around for the Best Rates

Even if you're loyal to a particular insurance company, it's still important to shop around for the best rates. Insurance companies are always competing for new customers, so they're constantly offering new discounts and deals.

If you don't take the time to shop around, you could be missing out on some great savings. It's also a good idea to compare rates at least once a year to make sure you're still getting the best deal.

Ask About Insurance Discounts

When you're speaking with an insurance agent, be sure to ask about any discounts that might be available. There are often discounts for things like having a clean driving record or being a safe driver.

Some insurers also offer discounts for things like installing anti-theft devices in your vehicle. If you're not sure what discounts are available, don't be afraid to ask. Your agent should be able to give you a list of all the discounts that might apply to you.

Consider Raising Your Deductible

If you're willing to raise your deductible, you could save a significant amount of money on your car insurance rates. Of course, this means that you'll have to pay more out of pocket if you do have an accident.

If you're a safe driver, raising your deductible can be a great way to save money. Just be sure that you have enough money set aside to cover the deductible if you do need to make a claim.

Improve Your Credit Score

One thing that you might not know is that your credit score can affect your car insurance rates. Insurers often use credit scores to determine how likely customers are to file claims.

If you have a good credit score, you're more likely to get a lower rate. So, if you're looking to save money on your car insurance, it's a good idea to work on improving your credit score.

Avoid Comprehensive and Collision Coverage on Older Vehicles

If you have an older vehicle, you might not need to carry comprehensive and collision coverage. These types of coverage can be expensive, and they might not be worth the cost if your car isn't worth very much.

Talk to your agent about whether or not you need these types of coverage for your vehicle. You might be able to save a significant amount of money by dropping them from your policy.

The Bottom Line on the Cheapest Auto Insurance Companies

In most states, State Farm and GEICO are the cheapest car insurance companies to shop with. If you’re in the military, you’ll get better rates with USAA. However, you don’t want to ignore local insurance companies.

Small insurers that offer coverage in your area can offer cheaper rates because they don’t spend as much on national advertising campaigns. For example, Erie Insurance offers the best rates to teens and other high-risk drivers with accidents and speeding tickets, but coverage is only available in 12 states and the District of Columbia.

If you want to find the cheapest car insurance near you, enter your ZIP code below. You can compare auto insurance quotes from multiple local companies to see which can offer the best price on the policy you need.

Frequently Asked Questions

Who has the cheapest car insurance?

USAA has the cheapest car insurance rates. However, their coverage is only for current and retired military members. State Farm has the lowest auto insurance rates available for all kinds of drivers.

Is it a good idea to get the cheapest car insurance?

If you’re driving a car with a low resale value, it may be worth it to buy cheap auto insurance just to meet your state’s minimum requirements. However, if you’re leasing a car or made a valuable purchase, you may want to consider full coverage options at fair market value.

What is the cheapest car insurance for members of the military?

USAA provides the cheapest auto insurance rates for military members, veterans, and their families. On top of that, the company is known for having some of the best customer service in the industry.

Can I get cheap auto insurance with bad credit?

It’s possible to get a low auto insurance premium with bad credit. There are a wide variety of insurers that’ll work with you despite your poor credit history, such as Farm Bureau.

Which state has the highest auto insurance rates?

Delaware is home to the highest auto insurance rates, with a monthly average estimate of $225 per driver.

More car insurance information

If you’re interested in additional car insurance information, check out our car insurance blog. Additionally, you can use our tool that allows you to compare select car insurance companies side by side to see how they stack up against one another.

Frequently Asked Questions

Who has the best car insurance rates?

Of the 10 largest auto insurers in the U.S., USAA has the best car insurance rates on average for the driver profiles we created with an average rate of $993 per year. USAA is only eligible to military personnel and military families. The best car insurance available to everyone, based on this list, is Geico with an average yearly rate of $1,254. Geico makes the process of filing claims easy and most of its consumers would recommend the company to friends and family. 

What company has the best car insurance for teenage drivers?

USAA, a military-only insurance company, offers the best car insurance rates for male and female teen drivers. Customers say they're very satisfied with their customer service and love the easy process for filing a claim. Geico offers the next best car insurance rates for teen drivers ($1,492 for male teens and $1,460 for female teens).

What are the most popular car insurance companies?

State Farm leads the list of the most popular car insurance companies, writing more than 18 percent of all car insurance policies in the United States. State Farm makes it easy to file a claim and many of their customers plan to renew their policy. State Farm is followed by Geico, Progressive and Allstate.

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