If your car insurance feels like a financial burden, you’re not alone. The cost of auto insurance across the U.S. increased by 17% in the first six months of 2023. The average annual rate for liability-only insurance is $1,232, but drivers who want the financial protection of full coverage pay an average of $2,463. Fortunately, many insurance companies offer more competitive rates.

Quick Facts

COUNTRY Financial has the cheapest quotes, at an average rate of $22 a month for liability-only coverage.
COUNTRY Financial has the cheapest full-coverage rates, at an average of $46 a month.
Liability-only insurance costs an average of $103 monthly nationwide. Full-coverage rates average $205.

The 10 cheapest car insurance companies

The cheapest car insurance for you will depend on several factors, from the type of car you drive to your age. However, some insurance companies offer significantly cheaper rates on average than others.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Liability Only	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
COUNTRY Financial	22	4.3
NJM	39	4.5
Auto-Owners	41	4.0
USAA	45	4.3
Hugo	48	3.0
Mile Auto	49	3.4
State Farm	51	4.4
GEICO	52	4.2
Allstate	61	4.1
Erie	61	4.4
Safeco	62	3.6
Root	63	3.7
American Family	76	4.1
Plymouth Rock	76	0.0
Metromile	77	3.0
Dairyland	83	3.3
Progressive	84	3.9
National General	86	3.1
Clearcover	86	3.1
Liberty Mutual	87	3.7
Mercury	88	3.5
Travelers	89	4.2
Kemper	95	2.8
Direct Auto	96	3.2
CSAA	97	3.5
Elephant	98	3.5
Farmers	104	3.7
Anchor	104	2.6
Commonwealth Casualty	106	2.3
GAINSCO	112	3.1
Shelter	114	3.5
AssuranceAmerica	115	2.2
The Hartford	116	0.0
The General	119	3.4
Chubb	126	2.8
21st Century	133	2.4
Bristol West	136	2.2
Foremost	137	3.3
Infinity	167	0.0
Amica	189	3.6

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. *Mile Auto only offers full coverage, so the listed prices in all tables are the insurer’s overall average auto insurance quote in each category.

Get adequate coverage

Evelyn Pimplaskar

Editor-in-Chief, Director of Content, Insurify

Saving money is always smart. But be careful not to short change yourself in the long run. If a car insurance premium is cheap only because the policy provides inadequate financial protection, your “savings” could add up to a big bill if you get into an accident where you’re at fault. It’s often better to spend a bit more for greater protection.

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Cheapest auto insurance by driver type

The cost of car insurance varies widely from one driver to another. Insurers consider multiple factors, including your driving record, credit history, average mileage, age, gender, and make and model of your car to determine your personal risk level and rate.

Overall, liability-only car insurance — also known as minimum coverage — is the cheapest car insurance available, averaging $106 per month, or $1,272 annually. Most states require drivers to carry at least a minimum level of liability coverage, but depending on your situation, you may choose to have more insurance.

The following table shows the cheapest monthly liability-only car insurance premiums for some common driver profiles.

Driver Profile	Cheapest Insurance Company	Average Quote: Liability Only
Senior drivers	NJM	$40
Military drivers	USAA	$45
Drivers with a clean driving record	NJM	$61
Low-mileage drivers	NJM	$61
New drivers	NJM	$79
Drivers with poor credit	NJM	$87
Drivers with a speeding ticket	NJM	$96
Drivers with an at-fault accident	Auto-Owners	$101
Drivers with a DUI	NJM	$103

Insurify data scientists analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.
Quotes for certain insurers are estimates based on Quadrant Information Services’ database of auto insurance rates. With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums for common coverages, such as liability, comprehensive, collision, and other optional car insurance coverages.
Insurify’s editorial team employs the information provided by our data scientists to further inform our independent research. We rely on verified, reputable sources, such as expert interviews, government authorities, and insurance company representatives, to provide further context to the insights culled from our extensive database of real-time car insurance quotes.

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Best and cheapest car insurance company overall: Auto-Owners

cheapest overallAuto-Owners

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.1
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	837
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$41/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$82/mo

Overview

Founded in 1916, Auto-Owners now serves nearly 3 million policyholders in 26 states. In addition to offering auto coverage, the company provides numerous insurance products, including home, renters, life, pet, motorcycle, and more. Auto-Owners is highly rated for claims satisfaction by J.D. Power and has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. The insurer also earned a superior financial strength and credit rating of A++ from AM Best.

Pros and cons

Pros

Multiple discounts
Wide range of car insurance coverages, including gap insurance and roadside assistance

Cons

Available in only 26 states
Fewer online self-service features than competitors

Reviews

I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.

Dean - April 26, 2019

Verified

Good customer service

Debora - February 12, 2019

Verified

Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.

Dixie - February 12, 2018

Verified

Read our Auto-Owners review

Auto-Owners offers the cheapest liability-only car insurance, with an average monthly rate of $41, which is comfortably lower than the $103 national average. However, coverage from the regional insurer is only available in 26 states.

If you’re not in a state that Auto-Owners serves, several national insurance companies, like Safeco, State Farm, and GEICO, offer comparable rates. Insurers consider numerous factors to determine pricing, so comparing quotes is the best way to find the most affordable coverage for your unique driver profile.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

Featured in

Insurance Company	Average Monthly Quote: Liability Only
NJM	39
Auto-Owners	41
USAA	45
Hugo	48
State Farm	51

Cheapest large insurance company: State Farm

large insurerState Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$51/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$108/mo

Overview

Founded more than 100 years ago, State Farm is now the largest car insurance company in the country. The insurer provides coverage in every state and offers various insurance types. In addition to a robust list of discounts, drivers who bundle renters, condo, or home insurance with auto policies are eligible for more savings. State Farm also has a reputation for good customer service. The company is among the top 10 insurers on the J.D. Power Overall Customer Satisfaction Index and has fewer complaints than average on the NAIC Consumer Complaint Index.

Pros and cons

Pros

Discounts for bundling home, condo, renters, or life insurance with auto coverage
Offers rideshare insurance

Cons

More expensive than some midsize insurance companies
Doesn’t provide gap insurance

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

State Farm offers affordable liability coverage, averaging $51 compared to the national average of $103. The company operates in all 50 states and provides a range of insurance types, including homeowners, renters, health, disability, life, and pet coverage. State Farm also has several bundling discounts, including up to 20% off on multi-vehicle policies.

Large insurers typically have solid financial backing, meaning the companies have the ability to pay claims even during unprofitable periods. If you choose a company that operates nationwide, you won’t need to worry about the hassle of switching insurers if you move.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Liability Only
State Farm	51
GEICO	52
Allstate	61
Safeco	62
Root	63

Best cheap midsize insurance company: Erie Insurance

midsize insurerErie Insurance

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	870
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$61/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$88/mo

Overview

Erie Insurance has been selling auto insurance since the company’s founding in 1925. The regional insurer operates in 12 states and Washington, D.C., offering dozens of coverage types, including renters, home, condo, motorcycle, boat, and flood insurance. Erie Insurance is third in overall customer satisfaction in J.D. Power rankings and has a lower number of complaints in the NAIC Consumer Complaint Index than many competitors. The company also earned an A+ rating from AM Best for financial stability and credit strength.

Pros and cons

Pros

High customer satisfaction
Competitive pricing on a wide range of coverage

Cons

Operates in a limited number of states
Customers can’t file a claim online and must contact an agent by phone

Reviews

My agent was always there for me.

Dinah - December 4, 2022

Verified

They treat me well.

Jordan - October 25, 2022

Verified

Friendly service

Darlene - September 6, 2022

Verified

Read our Erie Insurance review

Midsize companies generally offer lower rates than their larger competitors, but you might need to do some digging to find one that provides cheap auto insurance in your region. Some midsize insurers also have limited digital tools or fewer coverage options.

Operating in 12 states and Washington, D.C., Erie Insurance is one of the best cheap midsize companies. The insurer offers affordable rates, with an average price of $61 for liability coverage. If Erie Insurance doesn’t operate in your area, try comparing quotes from other midsize companies to find the best rate.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Liability Only
NJM	39
Auto-Owners	41
Hugo	48
Mile Auto	49
Erie	61

Cheapest car insurance company for good drivers: NJM

Insurance companies see drivers with a clean driving record as lower risk and generally offer them cheaper rates to match. NJM offers the cheapest car insurance for good drivers with a clean record. Liability-only policies average $39 monthly, compared to the national monthly average of $103.

NJM offers additional discounts to policyholders who enroll in SafeDrive, a smartphone app that tracks safe driving behaviors, like slow braking and driving under the speed limit. Taking approved defensive driving and driver training courses can also bring down your NJM premium in select states.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Liability Only
NJM	39
Auto-Owners	41
Mile Auto	49
Erie	61

Best cheap car insurance company for drivers with a speeding ticket: Nationwide

Drivers with speeding tickets tend to have higher insurance premiums since insurers view moving violations as a risk factor for future accidents. However, some insurance companies weigh tickets less heavily than others. Taking a defensive driving course or raising your deductible can also lower your premium after a ticket.

Nationwide offers affordable car insurance for drivers with speeding tickets. The average cost of $107 monthly for liability-only insurance is just a dollar higher than the national average. Additionally, Nationwide’s SmartRide program tracks driving habits and rewards safe behaviors, like gradual braking and avoiding distractions, with up to 40% off car insurance premiums.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Liability Only
Auto-Owners	50
USAA	52
NJM	57
Anchor	122

Best cheap car insurance company for drivers with an at-fault accident: GEICO

Insurance rate increases after an accident typically stay on your premium for three years, according to the Insurance Information Institute.1 You could lower your rates in the meantime by completing a defensive driving course if your insurer offers a discount for it.

At $65 a month on average, GEICO’s car insurance rate for drivers with an at-fault accident is cheaper than the national average liability rate. However, GEICO’s numerous discounts, including for driving courses, anti-theft systems, and new cars, could reduce your premium. Accident forgiveness is also available in most states to protect your rate in the future.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

Featured in

Insurance Company	Average Quote: Liability Only
Auto-Owners	51
NJM	61
GEICO	65
Anchor	118

Best cheap car insurance company for drivers with a DUI: Anchor

Insurance companies charge drivers with a DUI more because of the immense risk of driving while impaired. About 31% of all traffic accident fatalities involve drunk drivers, according to the National Highway Traffic Safety Administration (NHTSA).2 Insurers want to avoid expensive claims from DUI accidents.

Among the 39 companies Insurify’s data team analyzed, the average monthly liability-only quote for drivers with a DUI is $170. Anchor specializes in providing non-standard policies for high-risk drivers and has an average liability rate of $140 for people with a DUI on record. Anchor only serves California, Arizona, Oregon, Washington, and Texas, but other insurers offer comparable rates.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Liability Only
NJM	52
Auto-Owners	64
Erie	74
Anchor	140

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for drivers with poor credit: Mile Auto

Approximately 95% of insurance companies consider your credit score when determining your rate, according to FICO. Only California, Hawaii, Maryland, Michigan, and Massachusetts ban or limit the use of credit scores in insurance pricing. Drivers with poor credit tend to pay more for car insurance.

Mile Auto has one of the cheapest rates, at $82 a month on average. The pay-per-mile insurer only offers full coverage, which includes the minimum bodily injury and property damage liability required by your state, plus collision and comprehensive coverages.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

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Insurance Company	Average Quote: Full Coverage
NJM	69
Mile Auto	82
Auto-Owners	129

Best cheap car insurance for new drivers: Auto-Owners

Car insurance companies consider the amount of experience you have behind the wheel when determining your rate. Teen drivers face higher rates because they’re more likely to get into severe car accidents and are twice as likely as adult drivers to be in a fatal crash, according to the NHTSA.3

Auto-Owners is one of the best car insurance companies for young drivers, with an average monthly rate of $66 for minimum liability coverage. Good students are eligible for up to 20% off, and the Teen Driver Monitoring program tracks driving behavior for additional discounts. The away-at-school discount reduces rates for students studying away from home.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

Featured in

Insurance Company	Average Quote: Liability Only
NJM	49
Auto-Owners	66
USAA	67
Root	79
Foremost	247

Best cheap car insurance for low-mileage drivers: Nationwide

If you use your car infrequently, you could lower your premium by enrolling in a pay-per-mile auto insurance policy. Pay-per-mile programs track the number of miles you drive and add that cost to your base rate, making it a more affordable option for many drivers who are retired, work from home, or live in the city.

Nationwide offers pay-per-mile insurance through its SmartMiles program. The insurer’s average monthly rate is $90 for pay-per-mile coverage.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

Featured in

Insurance Company	Average Quote: Liability Only
Auto-Owners	41
USAA	45
Mile Auto	49
State Farm	51

Best cheap car insurance for military families: USAA

Many car insurance companies offer discounts for active-duty military, retired service members, veterans, and their families. If you’re military-affiliated, check your insurer’s website or talk to an insurance agent to make sure you’re getting maximum savings on your premium.

The national insurer USAA provides insurance only to military-affiliated drivers and offers the cheapest average liability-only coverage, at $45 a month. The insurer earned an A++ rating from AM Best, meaning the company is financially sound and has a superior ability to pay claims. USAA also has a high rating in J.D. Power’s Overall Customer Satisfaction Index.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

Featured in

Insurance Company	Average Quote: Liability Only
NJM	39
Auto-Owners	41
USAA	45
Erie	61

Cheapest car insurance for seniors: NJM

Senior drivers aged 60 and older tend to find cheaper rates for car insurance for a few important reasons. Older adults are less likely to exhibit risky behaviors, like driving under the influence or speeding. Seniors also usually drive less frequently as their lifestyles change, according to the NHTSA.4

Insurance companies typically raise rates around age 75 because factors like hearing and visual impairments, prescription medications, and cognitive decline can increase the risk of accidents. NJM offers the cheapest car insurance for senior drivers, with an average monthly rate of $21 for liability-only coverage.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Read Editorial Guidelines

View Full Bio

Featured in

Insurance Company	Average Quote: Liability Only
NJM	21
Auto-Owners	31
Mile Auto	35
Erie	40
Anchor	93

Cheapest car insurance by state

Location is an important factor in car insurance costs. Population density, road and weather conditions, and claims filed by other drivers in your area can all affect your car insurance rate. Rates can vary significantly from state to state and between different ZIP codes in the same city.

The following table shows the cheapest average monthly liability car insurance quote by state and in Washington, D.C.

State	Insurance Company	Average Monthly Quote
Alabama	Auto-Owners	$36
Arizona	Auto-Owners	$45
Arkansas	State Farm	$28
California	Clearcover	$64
Colorado	State Farm	$48
Connecticut	State Farm	$59
Delaware	USAA	$55
Florida	State Farm	$71
Georgia	Hugo	$54
Idaho	Liberty Mutual	$50
Illinois	Auto-Owners	$29
Indiana	Auto-Owners	$26
Iowa	Auto-Owners	$20
Kansas	Safeco	$58
Kentucky	Auto-Owners	$69
Louisiana	State Farm	$76
Maine	USAA	$41
Maryland	USAA	$94
Massachusetts	Midvale Home & Auto	$65
Michigan	Auto-Owners	$68
Minnesota	Safeco	$57
Mississippi	State Farm	$35
Missouri	USAA	$29
Nebraska	Auto-Owners	$25
Nevada	COUNTRY Financial	$37
New Jersey	NJM	$${AUTO_CHEAPEST_LIABILITY_STATE_NJO_PRICE_1}
New Mexico	State Farm	$31
New York	CSAA	$140
North Carolina	Midvale Home & Auto	$35
Ohio	State Farm	$34
Oklahoma	State Farm	$30
Oregon	Mile Auto	$53
Pennsylvania	Foremost	$47
South Carolina	USAA	$50
Tennessee	State Farm	$22
Texas	State Farm	$38
Utah	USAA	$51
Virginia	Auto-Owners	$36
Washington	State Farm	$53
Washington, D.C.	GEICO	$90
West Virginia	State Farm	$33
Wisconsin	USAA	$21

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How to get cheap car insurance

As the cost of car insurance increases across the U.S., finding affordable coverage is becoming more difficult. Fortunately, you still have several ways to save money on your premium:

Compare car insurance rates. One top way to reduce car insurance costs is to compare quotes from multiple insurance companies. You should get quotes from at least three different insurance companies, according to the Insurance Information Institute (III).5
Raise your deductible. Your collision and comprehensive deductibles are the amounts you pay before your insurance covers a claim. Increasing your deductible from $200 to $500 could reduce your costs by up to 30%, according to the III.6
Maintain a good credit score. Most insurers look at your credit history when determining your car insurance rate. Paying your bills on time, utilizing less of your available credit, and avoiding applying for a lot of credit at once can increase your score.
Get advice from an insurance agent. The insurance industry is full of nearly indecipherable jargon, so you might be missing out on more affordable coverage. An insurance agent can walk you through your car insurance policy and identify discounts.

Car insurance discounts to consider

Most auto insurance companies offer discounts for policyholders who fit certain criteria. Common car insurance discounts include:

Bundling discounts

Many insurance companies offer significant discounts for bundling renters, condo, or homeowners insurance with auto coverage. Savings generally range from 5% to 25%, depending on your insurer.

Multi-vehicle discounts

Most insurers offer discounts for insuring more than one vehicle on your policy, and the savings can be substantial. For example, GEICO’s multi-vehicle discount can reduce your premium by up to 25%.

Good driver discounts

Most insurance companies, including State Farm, Nationwide, and GEICO, provide discounts if you go a certain number of years without an accident or moving violation.

Anti-theft and safety feature discounts

Insurance companies often offer lower rates for cars with anti-theft or safety features like car alarms, steering-wheel locks, collision warning systems, and anti-lock brakes.

Telematics discounts

Telematics programs use sensors and GPS to monitor driving behaviors and reward drivers with discounts for going the speed limit, avoiding distractions, and gradual braking. But some companies may increase your rates if their telematics detects poor driving habits.

Defensive driving course discounts

Learning safe driving techniques signals a lower risk level to insurers, which could translate into savings on your premium. Check with your insurance company before enrolling since most have approved defensive driving course with specific requirements.

Military discounts

Active-duty military personnel, veterans, and retired service members are often eligible for discounts on car insurance.

Cheap car insurance FAQs

Car insurance is an important investment, so it’s a good idea to research companies carefully and compare quotes before making a decision. To get you started, here are some answers to commonly asked questions about car insurance.

Who offers the cheapest car insurance rates?
COUNTRY Financial offers the cheapest liability-only car insurance, with an average monthly rate of $22, which is less than the national average. For full-coverage car insurance, COUNTRY Financial has the cheapest rates, at $46 per month.
How can you get the cheapest car insurance?
Comparing car insurance quotes from multiple companies is the best way to find cheap car insurance. You can also improve your chances of getting cheaper rates by:
- Maintaining a clean driving record
- Looking for car insurance discounts
- Choosing higher collision and comprehensive deductibles
- Bundling your car and homeowners, or renters, or condo insurance
At what age can car insurance get cheaper?
Car insurance rates typically begin to fall after you pass age 25 and continue to lower until you’re in your 70s — provided you maintain a clean driving record. Insurance rates generally begin to climb again for drivers 70 and older.
How much car insurance coverage do you need?
Many factors affect how much car insurance coverage you need. You need to buy at least your state’s minimum required amount of liability coverage. Depending on where you live, you may also be required to buy personal injury protection (PIP) or uninsured/underinsured motorist coverage.
If you finance or lease your vehicle, your lender or leasing company will require you to carry full-coverage car insurance and will likely specify the amount of comprehensive and collision coverage to buy. And if you have a high-value vehicle or other high-value assets, you may want to purchase additional coverage.
What are the risks of cheap car insurance?
The biggest risk of looking for cheap car insurance is that you might buy less coverage than you actually need. For example, your state may require you to only carry $15,000 of bodily injury liability protection, but if you own an expensive home or have valuable assets, you might need to consider buying more.
If you carry only the state minimum and are found liable in court for $30,000 in injuries in an at-fault accident, you’d likely be responsible for paying $15,000 out of your own pocket. Insurance professionals recommend buying more liability coverage than your state’s minimum to provide more financial protection if you’re in an at-fault accident.
Is the minimum required insurance in your state enough coverage?
With the exception of New Hampshire, every state requires at least liability coverage in the form of bodily injury coverage and property damage coverage.^[1] States also commonly require personal injury protection (PIP) coverage, underinsured motorist coverage, and uninsured motorist coverage.
State minimum insurance requirements typically aren’t enough to fully cover a driver. You may want to consider additional coverage types, such as comprehensive or collision coverage, for more peace of mind.
How do you qualify for more car insurance discounts?
Discounts vary between car insurance companies. Most insurers list the discounts they offer on their websites. You can also call and speak to an agent, who can make sure you’re taking advantage of discounts you’re eligible for.
Insurers commonly offer discounts for things like a good driver history, your vehicle type and safety features, bundling policies, and affiliations, such as being in the military or a veteran.^[2]
What cars are cheapest to insure?
The cheapest cars to insure are typically reliable vehicles with modern anti-theft and safety features. Insurers usually view sports cars as a bigger risk and charge more to insure high-performance vehicles. Luxury cars can also cost more to insure than more affordable models since the repair and replacement costs are higher.
What are the drawbacks of getting the most affordable car insurance?
Liability-only coverage is the most affordable coverage you can buy, but cheaper car insurance might not always be best in the long run. Most states require some level of bodily injury coverage and property damage liability, but these insurance types protect only the other driver and their passengers if you’re at fault in an accident.
Full coverage costs more but includes collision and comprehensive insurance too. Collision coverage pays for car repairs or replacement for your vehicle after an accident, regardless of who causes it. Comprehensive coverage pays to repair or replace your car in cases of theft, vandalism, severe weather, falling objects, and other damages unrelated to an accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed May 5, 2023
Insurify. "he 2023 Guide to Car Insurance Discounts." Accessed May 5, 2023

Evelyn PimplaskarEditor-in-Chief, Director of Content

Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.

Before joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as tax editor for Credit Karma, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.

Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.

Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.

Learn More

Edited byJohn LeachInsurance Copy Editor

John LeachInsurance Copy Editor

Licensed property and casualty insurance agent
8+ years editing experience

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Reviewed byMark FriedlanderDirector, Corporate Communications

Mark FriedlanderDirector, Corporate Communications

Corporate communications director for Insurance Information Institute
20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Data reviewed byChase GardnerData Insights Manager

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

The 10 cheapest car insurance companies

Get adequate coverage

Cheapest auto insurance by driver type

Get Lower Rates: Compare and Save up to $717

Best and cheapest car insurance company overall: Auto-Owners

cheapest overallAuto-Owners

Cheapest large insurance company: State Farm

large insurerState Farm

Best cheap midsize insurance company: Erie Insurance

midsize insurerErie Insurance

Cheapest car insurance company for good drivers: NJM

Best cheap car insurance company for drivers with a speeding ticket: Nationwide

Best cheap car insurance company for drivers with an at-fault accident: GEICO

Best cheap car insurance company for drivers with a DUI: Anchor

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for drivers with poor credit: Mile Auto

Best cheap car insurance for new drivers: Auto-Owners

Best cheap car insurance for low-mileage drivers: Nationwide

Best cheap car insurance for military families: USAA

Cheapest car insurance for seniors: NJM

Cheapest car insurance by state

Ready to Start Saving?

How to get cheap car insurance

Car insurance discounts to consider

Bundling discounts

Multi-vehicle discounts

Good driver discounts

Anti-theft and safety feature discounts

Telematics discounts

Defensive driving course discounts

Military discounts

Cheap car insurance FAQs

Methodology

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Popular articles

Sources

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