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Cheap Car Insurance 2022: Quotes, Discounts

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Last Updated: January 2022

Quick Facts

  • Drivers in Michigan see the most expensive monthly rates, with average premiums costing about $479.
  • Illinois, North Carolina, and Massachusetts have some of the cheapest car insurance premiums on average.
  • Pontiacs and Suzukis are among the cheapest cars to insure in America.
  • You can lower your car insurance rates by maintaining a clean driving record, keeping a good credit score, and applying for any discounts you might qualify for.

Locating the right auto insurance policy can be a daunting task, especially when considering how many insurance companies are out there.

No one wants to be stuck wasting hours sifting through insurance plans and rates that won’t work for them. Fortunately, we’re here to help. This guide for cheap car insurance in 2022 can help you find an affordable policy, no matter your situation.

Need to insure a teen driver? Have less-than-perfect credit? Had a suspended license? We’ve got the best car insurance companies ranked by price for those situations and more.

If you’re ready to find an affordable auto insurance plan that meets your needs, compare cheap auto insurance quotes with Insurify. Get a quick quote by using our free comparison tool.

Cheapest Car Insurance Companies

One of your top priorities when searching for car insurance is to find a reasonable rate. Our research found USH&C to be the cheapest auto insurance company, coming in at just $44 per month on average.

Metromile, Direct Auto, and Travelers are budget-friendly, charging an average of $63, $64, and $65 per month, respectively. Not all car insurance coverage is made equal; be sure to consider a company’s financial standing and customer service reputation before signing on the dotted line.

Rank Company Name Average Cost Per Month Insurify Composite Score
1 USH&C $44 Not Rated
2 Metromile $63 Not Rated
3 Direct Auto $64 Not Rated
4 Travelers $65 80
5 Kemper $71 Not Rated
6 Progressive $87 Not Rated
7 Mile Auto $91 85
8 National General $93 58
9 Clearcover $94 97
10 GAINSCO $94 Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Find the Cheapest Car Insurance

The first step to finding the cheapest car insurance is to compare quotes from several carriers. That way, you’ll get a chance to shop around and see what coverage options are available for you.

Your best bet is to use a car insurance comparison website like what we have here at Insurify. The site will allow you to choose from a range of different insurers and compare quotes from each one—giving you a clearer idea of which insurers offer coverage at a price that suits your budget.

When shopping, you’ll want to look at different levels of coverage and deductibles, as well as how each policy handles claims and customer service. Understanding these details can help you find an insurance company that offers excellent value without breaking your budget.

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Cheapest Car Insurance by State

Though many factors determine how much you’ll pay, companies often base premiums on where a driver lives.

Illinois, North Carolina, and Massachusetts have some of the cheapest car insurance premiums on average. Keep in mind that insurance prices can change dramatically depending on your age and coverage.

If you live in an area with expensive coverage, comparing car insurance quotes is even more important to ensure you’re getting a great deal.

State Cheapest Insurance Company Average Monthly Premium
Alabama National General $107
Alaska Midvale Home & Auto $161
Arizona Mile Auto $120
Arkansas Progressive $117
California Travelers $135
Colorado Sun Coast $146
Connecticut Kemper $135
District of Columbia Travelers $156
Delaware Midvale Home & Auto $221
Florida AssuranceAmerica $167
Georgia Progressive $147
Hawaii Farmers $101
Idaho Travelers $73
Illinois USH&C $44
Indiana Progressive $91
Iowa Travelers $91
Kansas Travelers $123
Kentucky Progressive $140
Louisiana National General $200
Maine Kemper $71
Maryland Travelers $181
Massachusetts Travelers $64
Michigan Progressive $201
Minnesota Kemper $123
Mississippi National General $100
Missouri Travelers $122
Montana Travelers $104
Nebraska Travelers $96
Nevada Sun Coast $166
New Hampshire Travelers $92
New Jersey Plymouth Rock $179
New Mexico Travelers $121
New York TSC Direct $139
North Carolina Direct Auto $63
North Dakota Midvale Home & Auto $118
Ohio Travelers $85
Oklahoma Progressive $118
Oregon Mile Auto $104
Pennsylvania Travelers $105
Rhode Island Safeco $166
South Carolina Kemper $125
South Dakota Midvale Home & Auto $125
Tennessee National General $96
Texas Progressive $126
Utah Sun Coast $95
Vermont Travelers $95
Virginia Kemper $102
Washington Progressive $137
West Virginia Safeco $133
Wisconsin Travelers $94
Wyoming Safeco $107
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Auto Insurance Quotes for State Minimum Liability

Unlike most other types of insurance, car insurance companies in some states are mandated to provide a minimum level of coverage, such as bodily injury liability and property damage liability.

In most areas, if you can’t show proof that you have purchased the state’s minimum coverage limits, you won’t be allowed to register your vehicle. Liability insurance provides financial protection to another person when they are injured in an auto accident that you’re at fault for.

Here’s the cheapest carrier for state minimum liability coverage in each state.

State Cheapest Insurance Company Average Monthly Premiums for Minimum Liability
Alabama Progressive $71
Alaska Midvale Home & Auto $111
Arizona Travelers $91
Arkansas Progressive $64
California Metromile $48
Colorado Sun Coast $76
Connecticut State Auto $104
District of Columbia Travelers $107
Delaware Midvale Home & Auto $175
Florida Progressive $127
Georgia Progressive $105
Hawaii Farmers $64
Idaho Travelers $52
Illinois USH&C $44
Indiana Progressive $60
Iowa Travelers $59
Kansas State Auto $75
Kentucky Progressive $121
Louisiana Progressive $142
Maine Travelers $51
Maryland Safeco $138
Massachusetts Travelers $48
Michigan USA Underwriters $130
Minnesota Safeco $91
Mississippi Progressive $64
Missouri Safeco $77
Montana Travelers $57
Nebraska Travelers $58
Nevada Sun Coast $122
New Hampshire Travelers $55
New Jersey Plymouth Rock $142
New Mexico Kemper Specialty $70
New York Kemper $87
North Carolina Midvale Home & Auto $50
North Dakota Midvale Home & Auto $72
Ohio Safeco $59
Oklahoma Safeco $72
Oregon National General $79
Pennsylvania State Auto $58
Rhode Island Safeco $111
South Carolina Kemper $82
South Dakota Midvale Home & Auto $75
Tennessee National General $63
Texas Mile Auto $73
Utah Sun Coast $70
Vermont Dairyland $82
Virginia Kemper $59
Washington Progressive $83
West Virginia Safeco $79
Wisconsin Progressive $62
Wyoming Safeco $50
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Auto Insurance Quotes for Full-Coverage Policies

One of the biggest decisions about auto insurance is how much coverage you’ll need. While most states require a minimum coverage amount, you can buy additional protection.

Full-coverage policies include collision coverage and comprehensive coverage, as well as other perks. Here are the cheapest rates for full coverage insurance in every state.

State Cheapest Insurance Company Average Monthly Premiums for Full-Coverage Policies
Alabama Travelers $130
Alaska Midvale Home & Auto $181
Arizona Metromile $88
Arkansas Travelers $142
California Metromile $117
Colorado Acuity $184
Connecticut Kemper $147
District of Columbia Travelers $168
Delaware Midvale Home & Auto $238
Florida AssuranceAmerica $212
Georgia Nationwide $169
Hawaii Farmers $122
Idaho Travelers $80
Illinois Metromile $79
Indiana Travelers $101
Iowa Travelers $99
Kansas Travelers $142
Kentucky Progressive $183
Louisiana Progressive $246
Maine Travelers $81
Maryland Travelers $192
Massachusetts Travelers $67
Michigan Safeco $229
Minnesota Kemper $137
Mississippi National General $130
Missouri Travelers $136
Montana Travelers $121
North Carolina Direct Auto $62
North Dakota Midvale Home & Auto $136
Nebraska Travelers $110
New Hampshire Travelers $95
New Jersey Plymouth Rock $202
New Mexico Progressive $121
Nevada Sun Coast $201
New York TSC Direct $158
Ohio Travelers $93
Oklahoma Travelers $146
Oregon Mile Auto $111
Pennsylvania Metromile $100
Rhode Island Safeco $199
South Carolina Kemper $140
South Dakota Nationwide $124
Tennessee National General $126
Texas Mile Auto $148
Utah Sun Coast $113
Vermont Travelers $100
Virginia Kemper $109
Washington Travelers $147
West Virginia Progressive $144
Wisconsin Travelers $101
Wyoming Safeco $127
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Car Insurance Companies for Teen Drivers

Cheap auto insurance for teens is not impossible, but it’s harder to find. Many companies are hesitant to insure teenage drivers.

However, there are ways to find cheap car insurance quotes for teen drivers. Here are the top carriers to consider.

Rank Insurance Company Average Cost per Month
1 Travelers $182
2 Kemper $192
3 USH&C $230
4 Novo $231
5 Amigo USA $236
6 Anchor $238
7 Elephant $241
8 First Chicago $241
9 Apparent $251
10 AssuranceAmerica $267
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Car Insurance Quotes for Young Drivers

Auto insurance for young drivers—generally, drivers under the age of 25—is typically more expensive than car insurance for drivers who are middle-aged or older.

If you’re a young driver looking for cheap car insurance, it’s important to shop around. While it’s tempting to go with the first company that offers you a quote, compare quotes from multiple companies to make sure you’re getting the best price and find the best car insurance for new drivers under 25.

Consider starting with these carriers who ranked cheapest in our research.

Rank Insurance Company Average Cost per Month
1 Kemper $165
2 USH&C $174
3 Amigo USA $185
4 Novo $186
5 TSC DIrect $192
6 Anchor $194
7 First Chicago $200
8 Travelers $202
9 Elephant $212
10 Apparent $214
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Car Insurance Quotes for New Drivers

When you’re just getting your driver’s license, you might not know which auto insurance company is right for you. To help you find an affordable policy, we’ve created a list of companies that offer great coverage for new drivers at low costs.

Here are our picks for cheapest car insurance companies for new drivers.

Rank Insurance Company Average Cost per Month
1 Kemper $182
2 Novo $203
3 USH&C $214
4 Amigo USA $214
5 First Chicago $219
6 Elephant $230
7 Anchor $236
8 Apparent $239
9 Bluefire $267
10 Foremost Signature $269
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Car Insurance for Quotes College Students

If you’re a college student, juggling tuition and living expenses isn’t always easy. You might need to find ways to cut back on expenses—including your auto insurance premium. Here are the cheapest car insurance quotes for college students. You may even qualify for a good student discount if you keep your grades up. Plus, you can combine policies with your renters insurance to save even more on your premiums.

Rank Insurance Company Average Cost per Month
1 Kemper $171
2 Novo $198
3 USH&C $205
4 Amigo USA $212
5 Travelers $214
6 Foremost Signature $227
7 Anchor $227
8 First Chicago $227
9 Elephant $228
10 Apparent $232
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Car Insurance for Good Drivers

When trying to save money on your car insurance policy, ask your insurer about policy discounts. Many companies will offer a good driver discount if you have a clean driving record or complete a special driving course.

But don’t assume you’ll get the lowest rate from the first company you look at. Shopping around to compare coverages and insurance costs is important, even for good drivers. When comparing options, consider these top cheapest insurers that may reward a clean driving history.

Rank Insurance Company Average Cost per Month
1 Metromile $80
2 Farmers $88
3 USH&C $96
4 Amigo USA $110
5 First Chicago $125
6 Kemper $130
7 Acuity $131
8 Novo $132
9 Anchor $133
10 TSC Direct $134
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Car Insurance for Low-Mileage Drivers

Are you a low-mileage driver? According to the U.S. Federal Highway Administration, the average driver travels 13,476 miles per year. Some insurers have special rates for drivers that don’t add a lot of mileage to their odometers.

If you want cheap rates for low-mileage car insurance, here are a few options:

  • USAA
  • GEICO
  • State Farm
  • Travelers

Before you swap providers, check to see if your current insurer offers a car insurance discount for low mileage. If so, you may save money by sticking with them.

Cheap Car Insurance for Drivers with Bad Credit

You might be surprised to learn that your credit score can impact your auto insurance rate. Insurance providers can use it as a factor when giving you a car insurance quote.

If you have bad credit, you may find that affordable car insurance rates are harder to come by. It doesn’t have to be that way, though. Getting cheap car insurance for drivers without a good credit history is possible—check out these affordable car insurance companies for drivers with average to below-average credit scores.

Rank Insurance Company Average Cost per Month
1 Metromile $144
2 Farmers $151
3 TSC Direct $164
4 Mile Auto $173
5 Foremost Signature $174
6 USH&C $190
7 Kemper $191
8 Acuity $196
9 Plymouth Rock $196
10 Travelers $196
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with a DUI or At-Fault Accident on Record

Having a DUI or at-fault accident on your record can make it much more difficult to find cheap car insurance. In most cases, you'll need high-risk insurance and will have to pay higher rates for your auto insurance.

However, there are ways to find cheap car insurance even if you have a DUI or at-fault accident on your record.

Cheap Car Insurance Quotes after a DUI

Rank Insurance Company Average Cost per Month
1 Farmers $174
2 USH&C $190
3 Amigo USA $218
4 First Chicago $248
5 Novo $261
6 Anchor $263
7 Mile Auto $271
8 Foremost Signature $273
9 21st Century $287
10 Travelers $291
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance Quotes After an Accident

Rank Insurance Company Average Cost per Month
1 Metromile $101
2 Farmers $129
3 Amigo USA $131
4 Kemper $144
5 TSC Direct $146
6 Novo $148
7 Anchor $149
8 Progressive $159
9 Travelers $159
10 21st Century $160
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with a Suspended License

Car insurance rates are based on a number of factors, but car insurance companies generally don’t offer policies to someone with a suspended license.

If your license is suspended, you may be able to get a restricted license from your state’s department of motor vehicles. This may allow you to drive again under certain conditions.

The best way to get cheap car insurance rates after a suspended license is to compare quotes from multiple companies. Here are a few to consider.

Rank Insurance Company Average Cost per Month
1 Amigo USA $101
2 USH&C $117
3 Novo $122
4 Anchor $127
5 Farmers $129
6 Clearcover $137
7 Travelers $139
8 First Chicago $141
9 Aspire General $154
10 National General $158
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cars with the Cheapest Car Insurance

Because the type of car you have impacts the cost of your insurance, you may want to get insurance quotes before you start shopping for your next car.

Pontiac, Suzuki, and Mercury cars ranked in the top three cheapest cars to insure, with average rates as low as $189 per month. Of course, how much you pay depends on several factors. You may even find cheaper car insurance when comparing policies from multiple providers.

Rank Car Make Average Cost per Month
1 Pontiac $189
2 Suzuki $190
3 Mercury $204
4 Fiat $203
5 GMC $217
6 Buick $218
7 Subaru $218
8 Honda $220
9 MINI $227
10 Volvo $227
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Auto Insurance Quotes

Getting the cheapest auto insurance can save you a significant amount of cash over the years. One way to save money on auto insurance is to call all of your potential providers and ask for a quote.

But that could take hours. If you’re like most people, you don’t want to spend an afternoon making phone calls back and forth. Luckily, there’s an easier way: fill out the simple online quote-comparison tool from Insurify to quickly see how much coverage would cost from several companies. You can compare and switch in minutes, all without dealing with an insurance agent.

When you use Insurify to get a quote, you can narrow down options by price and coverage level to get the best car insurance for you and your family. Free car insurance quotes are just a few clicks away.

Frequently Asked Questions

  • Comparing car insurance quotes is the best way to get an idea of what to expect to pay for car insurance coverage. It’s also the best way to make sure you’re not overpaying for coverage. An insurify comparison platform like Insurify takes the guesswork out of car insurance shopping. Check out Insurify’s 100% online marketplace to find the cheapest car insurance.

  • Though every insurance company will claim to have the cheapest car insurance rates available, the only way to know if that’s really true is to compare quotes from different companies. Insurify allows shoppers to compare insurance quotes side by side, so they can get the cheapest quotes without calling around to a half a dozen different companies,

  • Insurify helps users compare cheap car insurance quotes online, no matter your driving record, location, or age. Take two minutes to input your information and Insurify will generate a dozen real, ready-to-purchase quotes from top insurance companies. Best part? It’s 100% free. And spam free too, of course.

Compare Car Insurance Quotes Instantly

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.