Top 10 Cheapest Car Insurance Companies for May 2024

Auto-Owners, State Farm, and GEICO offer the cheapest car insurance rates.

Julia Taliesin
Written byJulia Taliesin
Julia Taliesin
Julia TaliesinContent Writer

Julia Taliesin is a Content Writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
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.

Chase Gardner
Data reviewed byChase Gardner
Headshot of 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.

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Updated May 23, 2024

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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $45/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Quick Facts
  • Auto-Owners has the cheapest liability-only quotes for drivers with an incident, at $43 monthly.

  • Auto-Owners has the cheapest minimum-coverage quotes for drivers with poor credit, at $61 monthly.

  • Auto-Owners has the cheapest liability-only quotes for teen drivers, at $62 monthly.

Car insurance costs are higher than ever; it’s not just in your head. Rates surged 24% in 2023, and Insurify projections predict another increase of 7% in 2024.

The annual national average rate for full-coverage car insurance is now $2,583, leading more drivers to search for cheaper options. Some cut costs by finding discounts, increasing deductibles, or switching to liability-only car insurance, which has a lower national average rate of $1,251 per year.

State law requires drivers in every state except New Hampshire to have some coverage. Thankfully, if you compare car insurance quotes, you’ll find that many national and regional insurers have competitive rates.

The 10 cheapest car insurance companies

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

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

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Insurance CompanyLiability OnlyIQ 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.
Auto-Owners384.3
State Farm534.6
GEICO544.4
Allstate624.4
Safeco714.2
National General773.4
Progressive804.2
Nationwide844.4
Dairyland843.5
Root874.2
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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The best cheap car insurance in 2024

If you’re looking for the cheapest car insurance, affordability will be top of mind, but that doesn’t mean sacrificing quality. Insurify’s unique insurer scoring system and real-time analysis of auto insurance rates can help identify the best deals from the best insurance companies.

We prioritize liability-only rates in our review because they’re the cheapest, but these insurers also stand out for offering discounts and providing excellent customer service. Insurance rates shift over time based on various factors, so comparing quotes annually can save you money when it’s time to renew your car insurance policy.

The following table illustrates how each insurer’s monthly average rates compare to national averages for car insurance costs. Comparing these rates can help you understand the savings each insurance company may offer you.

Insurance CompanyCheapest forLiability OnlyFull CoverageAverage Annual Savings
Auto-OwnersDrivers with poor credit$38$82$780
State FarmDrivers with a clean record$53$115$600
GEICODiscount seekers$54$119$588
National GeneralHigh-risk drivers$79$188$288
NationwideLow-mileage drivers$84$186$228
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best and cheapest car insurance for drivers with poor credit: Auto-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.
4.3
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.
$38/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.
$81/mo

Auto-Owners operates in only 26 states but is known for its excellent customer service, with 48,000 local independent agents. Auto-Owners offers some of the cheapest car insurance, with average rates well below national averages.

Even its average liability-only and full-coverage rates for drivers with poor credit are below the national average. Auto-Owners also offers discounts to further lower premiums, including savings for bundling, paperless billing, and consistent payment history.

Pros
  • High customer satisfaction

  • Multiple discounts

Cons
  • Only available in 26 states

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best and cheapest car insurance for drivers with a clean record: State 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.
4.6
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.
$53/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.
$115/mo

State Farm is the largest auto insurance company in the United States by market share, and it scores among the best for customer satisfaction.[1] It’s an especially great choice if you have a clean driving record. Plus, it offers competitive rates and discount programs.

Drivers can get an initial discount by enrolling in State Farm’s Drive Safe & Save tracking program and save up to 30% based on driving habits. State Farm’s Steer Clear program for new drivers can reduce the costlier premiums teens typically face.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best and cheapest car insurance company for discount seekers: GEICO

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.
835
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.
$54/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.
$118/mo

GEICO is available in all 50 states, has strong financial backing, and has a sleek, user-friendly app, making this a popular choice for many drivers. GEICO has numerous discounts, including classics like multi-vehicle and good student discounts.

Cars that have airbags and anti-theft systems can qualify you for a vehicle safety feature discount, and you can save on certain policies by simply using your seat belt. A clean driving record — specifically being five years accident-free — can save you up to 22% on your premiums.[2]

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

Best and cheapest car insurance company for high-risk drivers: National General

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.
3.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$77/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.
$162/mo

National General operates in all 50 states and has excellent financial strength as part of Allstate, meaning it should be able to pay claims. It has nearly seven times the expected number of complaints on the National Association of Insurance Commissioners’ Consumer Complaints Index, but it may still be the cheapest option for high-risk drivers if incidents such as speeding tickets or at-fault accidents are driving up rates with another insurer.

National General specializes in non-standard insurance for high-risk drivers and will file an SR-22 on your behalf after a DUI charge. Its DynamicDrive program monitors driving behavior, so high-risk drivers could earn better rates if they demonstrate good driving habits.

Pros
  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons
  • Numerous online complaints

  • Quotes may be higher than some competitors

Read our National General review
Brandon - May 22, 2024
Verified

Expensive

I feel they are good but expensive.

Brian - May 20, 2024
Verified

Constantly Raising My Insurance Without Reason

The downside is that they raise my insurance every six months instead of decreasing it, and I'm tired of it. I'm considering switching insurance.

Roderick - May 20, 2024
Verified

Just Checking Prices

Just checking prices.

Best and cheapest car insurance for low-mileage drivers: Nationwide

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.
815
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.
$84/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.
$184/mo

Nationwide may not be the cheapest overall for a standard driver, but it’s an excellent choice for low-mileage drivers. Its SmartMiles program is available in 44 states, making it the most widely available pay-per-miles policy in the U.S., based on Insurify’s research.

An example driver profile on Nationwide’s website compares a $133 traditional policy to a $95 SmartMiles policy, which includes a $60 monthly base rate and $0.07 per-mile rate for 500 miles per month. The policy includes a road trip exception, so only the first 250 miles count toward your rate in a single day, and drivers can earn a 10% safe driving discount after the first renewal.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Read our Nationwide review
Philip - May 20, 2024
Verified

Nationwide is Not on Your Side!

They cancel your policy when you use it!

Kenneth - May 20, 2024
Verified

High Renewals

I'm very disappointed that our coverage went up almost $700 upon renewal, despite us having perfect driving records and driving less than 6000 miles per year. It seems as if they don't reward safe drivers and treat them like the worst drivers. Consequently, I had to shop elsewhere.

Joel - May 16, 2024
Verified

Excellent

Get an agent who works most days and will get back to you, or work directly with Nationwide.
  • We meticulously compared our top 10 cheapest insurers to determine which have the best policies, discounts, and rates for common driver categories. We used Insurify’s in-house, proprietary Insurify Quality (IQ) Score and national availability to rate the best and cheapest companies.

    The IQ Score is a comprehensive rating system that grades financial strength, consumer satisfaction, premium cost, customer support, and reach to score each insurer out of five. We included insurers with scores above 3.5, which indicates excellent to above-average scores, especially in our most weighted categories: consumer satisfaction, premiums, and customer support.

    We included insurers in this review if they operate in 20 or more states to avoid highlighting an insurer accessible to only a small percentage of the population.

    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).

How to get the cheapest car insurance

You have several ways to get cheaper rates on your car insurance. Start with the strategies below.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare car insurance rates

    • Potential savings: 30%

    • Effort: Very low

    Different insurers may offer better coverage options for your driving habits, credit history, and lifestyle. Shopping around will help you find the best car insurance quote.

  • illustration card https://a.storyblok.com/f/162273/150x150/3b97fae014/money-96x96-blue_033-magnifying-glass.svg

    Apply for discounts

    • Potential savings: 2%–12%

    • Effort: Low

    Safe driver, good student, multi-car, and multi-policy discounts could lower your car insurance bill. You can also get a discount for bundling home (or renters) and auto policies with the same insurer, which often results in substantial savings.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Maintain a clean driving record

    • Potential savings: 34%

    • Effort: Moderate

    Practice safe driving habits by wearing your seatbelt, using your turn signal, and avoiding speeding, tailgating, distracted driving, and hard braking. Keeping your driving record clean is the best way to qualify for lower rates.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Consider adjusting your coverage

    • Potential savings: 51%

    • Effort: Moderate

    If you’ve paid off your vehicle, dropping a full-coverage policy for liability-only insurance could save you a lot on premiums. You may also consider reducing your liability coverage to state-minimum limits. An Insurify survey found more than 5% of Americans have dropped full coverage and more than 12% have lowered their coverage limits to combat rising car insurance prices.

  • illustration card https://a.storyblok.com/f/162273/x/8368425876/safety-features.svg

    Equip your vehicle with safety features

    • Potential savings: 3%–40%

    • Effort: Moderate

    Improve your and your car’s safety with anti-theft systems, anti-lock brakes, and daytime running lights. Some insurers will reward you with discounts.

  • illustration card https://a.storyblok.com/f/162273/x/f4244fe878/low-mileage.svg

    Consider usage-based insurance

    • Potential savings: 34%

    • Effort: Moderate

    If you’re an infrequent or low-mileage driver, usage-based options like pay-as-you-go and pay-per-mile insurance may be the cheapest.

  • illustration card https://a.storyblok.com/f/162273/150x150/3a662e9efd/credit-and-loan-96x96-green_006-credit.svg

    Improve or maintain good credit

    • Potential savings: 9%–45%

    • Effort: High

    Paying off bills on time and avoiding maxing out your credit card can help improve your credit. In most states, insurers can consider your credit history when setting rates. Actuarial data shows a connection between a driver’s credit and their likelihood of filing claims.

What are the risks of getting the cheapest possible car insurance?

The biggest risk when getting the cheapest car insurance policy is that you might not buy enough coverage.

Liability insurance covers costs related to other people’s bodily injuries and property damage in a car accident you caused. Unlike full coverage, it doesn’t cover your property damage. You pay for 100% of the damage to your vehicle in an at-fault accident if you have liability-only insurance.

State-minimum coverage tends to have low limits, so only buying liability coverage will likely leave you exposed financially if an accident you cause results in high costs for the other driver. Drivers leasing or financing their cars will need to buy full coverage, as leasing companies and lenders require more than state-minimum or liability-only insurance.

Advice from the experts

Expert Insight

Mallory Mooney

Mallory Mooney

Director of Sales and Service

Drivers would want to consider more than just the lowest rate. They need to know insurers have the financial stability to pay claims and maintain steady rates that won’t jump around or increase significantly on renewal. In many industries, you get what you pay for. Insurance is no exception to this.

View less

Cheapest car insurance by state

Location is an important factor in car insurance costs. Population density, road and weather conditions, vehicle vandalism and theft rates, 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.

Here are the average monthly quotes from the cheapest insurers in every state and Washington, D.C.

StateInsurance CompanyLiability Only
AlabamaAuto-Owners$37
ArizonaAuto-Owners$48
ArkansasState Farm$29
CaliforniaMile Auto$62
ColoradoState Farm$48
ConnecticutState Farm$58
DelawareUSAA$55
FloridaState Farm$71
GeorgiaHugo$56
IdahoSafeco$52
IllinoisAuto-Owners$27
IndianaAuto-Owners$27
IowaAuto-Owners$22
KansasSafeco$54
KentuckyAuto-Owners$62
LouisianaState Farm$74
MaineSafeco$42
MarylandUSAA$105
MassachusettsMidvale Home & Auto$69
MichiganAuto-Owners$65
MinnesotaSafeco$58
MississippiState Farm$36
MissouriUSAA$29
NebraskaAuto-Owners$25
NevadaCOUNTRY Financial$37
New JerseyCSAA$87
New MexicoState Farm$32
New YorkCSAA$132
North CarolinaMidvale Home & Auto$35
OhioMile Auto$37
OklahomaState Farm$34
OregonMile Auto$55
PennsylvaniaState Farm452
South CarolinaUSAA$50
TennesseeState Farm$22
TexasState Farm$38
UtahUSAA$65
VirginiaAuto-Owners$39
WashingtonState Farm$55
Washington, D.C.GEICO$87
West VirginiaState Farm$32
WisconsinUSAA$22
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.

*Alaska, Hawaii, Montana, New Hampshire, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming omitted due to insufficient data.

StateInsurance CompanyFull Coverage
AlabamaAuto-Owners$69
ArizonaAuto-Owners$78
ArkansasState Farm$59
CaliforniaMile Auto$116
ColoradoState Farm$99
ConnecticutState Farm$97
DelawareUSAA$82
FloridaState Farm$83
GeorgiaHugo$73
IdahoSafeco$87
IllinoisAuto-Owners$45
IndianaAuto-Owners$52
IowaAuto-Owners$45
KansasSafeco$114
KentuckyAuto-Owners$99
LouisianaState Farm$122
MaineSafeco$70
MarylandUSAA$154
MassachusettsTravelers$79
MichiganAuto-Owners$112
MinnesotaSafeco$113
MississippiState Farm$71
MissouriUSAA$56
NebraskaAuto-Owners$40
NevadaCOUNTRY Financial$60
New JerseyNJM$133
New MexicoState Farm$63
New YorkSafeco$176
North CarolinaNationwide$63
OhioMile Auto$56
OklahomaState Farm$63
OregonMile Auto$70
PennsylvaniaMile Auto472
South CarolinaUSAA$84
TennesseeState Farm$45
TexasState Farm$64
UtahUSAA$98
VirginiaAuto-Owners$69
WashingtonDirect Auto$74
Washington, D.C.GEICO$148
West VirginiaState Farm$54
WisconsinUSAA$43
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.

*Alaska, Hawaii, Montana, New Hampshire, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming omitted due to insufficient data.

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Cheapest insurers for drivers with an incident

Having an incident on your record can raise your premium because insurers see that information as a risk factor for future accidents. Some insurance companies weigh certain incidents less heavily than others, so comparing quotes can help you find the best auto policy for you.

The cheapest overall insurers also tend to have the cheapest rates for drivers with incidents because their base rates are lower to begin with. Discounts, which aren’t reflected in quoted amounts, can also reduce rates significantly.

The cheapest national insurer for drivers with an incident is Auto-Owners. Its average monthly liability-only quotes are $44 for drivers with a speeding ticket, $47 for drivers with an at-fault accident, and $64 for drivers with a DUI.

Cheapest for drivers with a speeding ticket: Auto-Owners

Speeding tickets usually raise insurance rates when it comes time to renew your policy. Violations can stay on your record for years, affecting your premium long after you’ve paid the ticket.[3] Comparing policies and options like choosing a higher deductible could help lower your rates.

Here are the average minimum-coverage quotes from the cheapest companies for drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

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Insurance CompanyAverage Monthly Quote
Auto-Owners43
State Farm60
GEICO62
Allstate71
Safeco84
Progressive93
Dairyland97
Nationwide98
Travelers103
National General104
CSAA113
Root115
Farmers124
Chubb134
Liberty Mutual134
The General135
State Auto138
Bristol West143
The Hartford158
Foremost185
Amica237
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.
Learn More: How Much Is a Speeding Ticket?

Learn More: How Much Is a Speeding Ticket?

Cheapest for drivers with an at-fault accident: Auto-Owners

Accidents that were primarily your fault will likely increase your car insurance rates, and those increases can stay on your premium for years.[4] Taking a defensive driving course could reduce your premium if you have an at-fault accident on your record.

Below are the average liability-only quotes from the cheapest insurance companies for drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

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Insurance CompanyAverage Monthly Quote
Auto-Owners47
State Farm65
GEICO67
Allstate76
Safeco82
National General94
Progressive103
Dairyland104
Nationwide106
Travelers111
CSAA118
Root122
Farmers134
State Auto143
Chubb144
The General147
Liberty Mutual147
Bristol West154
The Hartford167
Foremost203
Amica249
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.

Cheapest for drivers with a DUI: Auto-Owners

Having a DUI on your record can increase your premium significantly because driving while impaired substantially increases your risk of getting into an accident.[5] Certain insurers offer non-standard policies for high-risk drivers, so shopping around can help you find the best available coverage.

Here are the average liability-only insurance quotes from the cheapest companies for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

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Insurance CompanyAverage Monthly Quote
Auto-Owners64
State Farm89
GEICO91
Allstate104
Safeco119
National General129
Progressive134
Nationwide141
Dairyland141
CSAA146
Root146
Travelers149
The Hartford150
State Auto160
Liberty Mutual166
Farmers185
The General191
Chubb193
Bristol West217
Amica227
Foremost230
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.

Cheapest insurer for teen drivers: Auto-Owners

Companies consider teens riskier to insure because of their lack of experience and tendency toward risky driving behaviors. Most insurers offer discounts for being a good student and taking a driver’s education course.

Teens have the costliest premiums by age group, but if you keep a clean record, rates typically decrease once you turn 20 and continue decreasing from there, according to Insurify data. Insuring young drivers on an existing family policy could save you money and qualify you for a multi-vehicle discount.

Here are the average liability-only car insurance quotes from the cheapest companies for teen drivers insured on their own policy.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

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Insurance CompanyAverage Monthly Quote
Auto-Owners62
GEICO73
State Farm84
Allstate105
Root110
CSAA129
Dairyland130
Nationwide135
Progressive145
National General148
Travelers160
The General164
State Auto165
Safeco169
Farmers189
Liberty Mutual190
Bristol West207
Amica215
Chubb216
The Hartford229
Foremost238
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.
Keep Reading: What Are the Best Cars for Teens to Drive?

Keep Reading: What Are the Best Cars for Teens to Drive?

Cheapest insurer for senior drivers: Auto-Owners

Insurance premiums typically decrease as you age and gain driving experience. Rates start to rise for drivers in their 70s since vision, mobility, and coordination changes can increase the risk of accidents.

Shopping around can help you find the best policy since some insurers offer discounts for senior drivers. For example, with GEICO, senior drivers in 30 states can apply for a guaranteed renewal policy, so you don’t have to worry about an insurance company deciding not to renew.

Below are the average minimum-coverage quotes from the cheapest companies for senior drivers.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

Featured in

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Insurance CompanyAverage Monthly Quote
Auto-Owners28
State Farm38
GEICO41
Allstate48
Progressive49
Safeco55
Nationwide56
National General60
CSAA64
Dairyland65
The Hartford65
Travelers66
State Auto68
Root71
Chubb74
Liberty Mutual74
Farmers80
The General93
Bristol West100
Foremost101
Amica117
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.

Cheapest regional insurance companies

It’s well worth considering regional insurers when you’re looking for cheap car insurance rates. If you prefer to handle buying coverage one-on-one with an insurance agent, smaller companies may offer more personalized service and have more local knowledge than large insurers. Regional insurers are more limited and usually only offer policies in certain states, but depending on where you live, they may be the cheapest option.

These are the average liability-only and full-coverage car insurance quotes from the cheapest regional insurance companies.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of 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.

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Insurance CompanyFull CoverageLiability Only
COUNTRY Financial4320
NJM5535
Hugo6250
Erie9355
Mile Auto11360
Metromile11774
Clearcover14286
Mercury15683
American Family17376
Direct Auto197100
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.

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How to save with discounts

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

Bundling discounts: Save 5%–25%

Many insurance companies offer significant discounts for bundling renters, condo, or homeowners insurance with auto coverage.

Multi-vehicle discounts: Save up to 25%

Most insurers offer discounts for insuring more than one vehicle on your policy, and the savings can be substantial.

Good driver discounts: Save up to 34%

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: Average savings vary

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: Average savings vary

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: Average savings vary

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 courses with specific requirements.

Military discounts: Average savings vary

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.

  • Which insurance company is usually the cheapest?

    There isn’t necessarily one insurance company that’s always the cheapest. Many factors, such as your age, ZIP code, and driving history, can affect your premium. Right now, the cheapest car insurance quote is $38 per month from Auto-Owners, Insurify data shows. The best way to find the cheapest option is to compare car insurance rates from a variety of regional and national insurers.

  • What is the most affordable full-coverage car insurance?

    COUNTRY Financial has the cheapest rates for full coverage, at $43 per month. The next cheapest are NJM and Hugo, at $55 and $62 per month, respectively.

    Regional insurers often offer competitive rates, so the cheapest overall insurers may not be available in every state. Various factors can affect the full-coverage rates available to you, so shopping around is one of the best ways to find the cheapest available policy.

  • At what age does 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, buying personal injury protection (PIP) or uninsured/underinsured motorist coverage may also be a requirement.

    If you finance or lease your vehicle, your lender or leasing company will require you to carry full-coverage car insurance and may 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.

  • Which cars are the cheapest to insure?

    The cheapest cars to insure are typically reliable vehicles with modern anti-theft and safety features. These include the Subaru Forester and the Subaru Outback, based on Insurify’s analysis. The Insurance Institute for Highway Safety named them both Top Safety Picks in 2023.

    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.

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

  1. J.D. Power. "2023 U.S. Insurance Shopping Study."
  2. GEICO. "Car Insurance Discounts - Savings on Auto Insurance."
  3. Progressive. "Do speeding or parking tickets affect insurance rates?."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. Insurance Information Institute. "What if I can't find auto coverage?."
Julia Taliesin
Julia TaliesinContent Writer

Julia Taliesin is a Content Writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
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.

Chase Gardner
Data reviewed byChase GardnerData Insights Manager
Headshot of 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.

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