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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, 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 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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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The national average rate for full-coverage car insurance is now $2,079 per year, leading more drivers to search for cheaper options. Some drivers cut costs by finding discounts, increasing deductibles, or switching to liability-only car insurance, which has a lower national average rate of $1,183 per year.
But cheap coverage doesn’t have to mean bare-bones coverage. Comparing car insurance quotes and coverages can help you find a policy with value — not just the lowest premium.
COUNTRY Financial has the cheapest liability-only quotes for drivers with an incident, at $64 per month.
Auto-Owners has the cheapest full-coverage car insurance quotes, at $83 monthly.
Liability-only car insurance is generally the cheapest type of coverage but offers less financial protection than full-coverage car insurance.
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.
Insurify data scientists analyzed more than 190 million quotes to find the cheapest car insurance companies for every type of driver. Here’s an overview of average monthly liability-only and full-coverage quotes from the 10 cheapest auto insurance companies.
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 Company  | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $45 | $85 |
| Auto-Owners | $47 | $83 |
| State Farm | $55 | $107 |
| Allstate | $75 | $144 |
| Safeco | $85 | $139 |
| GEICO | $86 | $142 |
| National General | $88 | $169 |
| Root | $90 | $151 |
| Dairyland | $91 | $224 |
| Nationwide | $96 | $183 |
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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.
Car insurance companies consider multiple factors when setting rates, from local accident rates to your age, driving record, and, in some states, your gender and credit history. Auto insurance rates can vary widely among drivers with different profiles because each factor indicates a different level of risk.
Here’s a look at the insurance companies offering cheap car insurance quotes for a few driver categories. Rates shown are for liability-only policies, the cheapest type of coverage available.
Driver Category | Cheapest Insurance Company | Cheapest Monthly Quote |
|---|---|---|
| Drivers with a clean record | COUNTRY Financial | $45 |
| Drivers with an incident | COUNTRY Financial | $64 |
| Drivers with bad credit | COUNTRY Financial | $52 |
| Military members and their families | USAA | $52 |
| Teen drivers | COUNTRY Financial | $63 |
| Senior drivers | COUNTRY Financial | $33 |
Compare rates from up to 120+ car insurance companies
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.
These are the cheapest insurance companies for drivers with different incidents:
Drivers with a speeding ticket: COUNTRY Financial
Drivers with an at-fault accident: COUNTRY Financial
Drivers with a DUI: COUNTRY Financial
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 following table shows the cheapest insurers and their national average monthly liability-only rates for drivers with common infractions.
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 Company | Speeding Ticket | At-Fault Accident | DUI |
|---|---|---|---|
| Auto-Owners | $64 | $62 | $70 |
| COUNTRY Financial | $67 | $64 | $62 |
| USAA | $69 | $71 | $77 |
| State Farm | $71 | $73 | $82 |
| Mile Auto | $84 | $96 | $104 |
| NJM | $88 | $83 | $93 |
| Commonwealth Casualty | $90 | $106 | $120 |
| Allstate | $101 | $102 | $111 |
| Erie | $101 | $97 | $107 |
| National General | $109 | $117 | $131 |
| American Family | $110 | $112 | $122 |
| Dairyland | $114 | $121 | $135 |
| GAINSCO | $114 | $125 | $150 |
| Safeco | $117 | $125 | $142 |
| GEICO | $117 | $110 | $125 |
| Direct Auto | $118 | $133 | $141 |
| Elephant | $124 | $140 | $162 |
| Root | $127 | $122 | $135 |
| Bristol West | $128 | $132 | $150 |
| Nationwide | $129 | $131 | $143 |
| The General | $129 | $130 | $135 |
| Travelers | $133 | $135 | $147 |
| Anchor | $140 | $147 | $172 |
| Farmers | $143 | $146 | $162 |
| Mercury | $146 | $161 | $152 |
| Chubb | $152 | $157 | $175 |
| AssuranceAmerica | $156 | $162 | $180 |
| CSAA | $182 | $227 | $208 |
| 21st Century | $184 | $185 | $174 |
| Clearcover | $187 | $223 | $208 |
| Liberty Mutual | $194 | $201 | $223 |
| Shelter | $195 | $191 | $207 |
| Plymouth Rock | $196 | $187 | $208 |
| State Auto | $216 | $215 | $199 |
| The Hartford | $222 | $212 | $235 |
| Hugo | $248 | $232 | $282 |
| Amica | $383 | $366 | $406 |
Insurance companies charge teen drivers higher rates 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.
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 Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $104 |
| State Farm | $114 |
| Dairyland | $147 |
| Root | $147 |
| GEICO | $152 |
| The General | $154 |
| Allstate | $161 |
| Bristol West | $177 |
| Safeco | $189 |
| National General | $197 |
| Nationwide | $201 |
| CSAA | $213 |
| Travelers | $232 |
| Farmers | $237 |
| Liberty Mutual | $257 |
| Chubb | $274 |
| The Hartford | $392 |
| State Auto | $467 |
| Amica | $490 |
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Insurance premiums typically decrease as you age and gain driving experience. But rates start to rise for drivers in their 70s, since vision, mobility, and coordination changes can increase the risk of accidents.
If you’re a senior driver, 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.
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 Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $34 |
| State Farm | $39 |
| Allstate | $57 |
| GEICO | $62 |
| National General | $62 |
| Nationwide | $64 |
| Travelers | $73 |
| Root | $73 |
| Dairyland | $75 |
| Safeco | $75 |
| The General | $75 |
| Chubb | $76 |
| Farmers | $79 |
| Bristol West | $81 |
| The Hartford | $84 |
| State Auto | $100 |
| CSAA | $105 |
| Liberty Mutual | $121 |
| Amica | $184 |
Insurance companies typically use information from your consumer credit reports to generate a proprietary credit-based insurance score. This score helps them estimate your likelihood of filing a car insurance claim.
Generally, negative information in your credit history, like collections or overdue balances, can lower your credit-based insurance score and lead to higher car insurance rates.
Here are average monthly liability-only rates from top insurers for drivers with poor credit.
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 Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $52 |
| USAA | $62 |
| NJM | $69 |
| Auto-Owners | $81 |
| Mile Auto | $85 |
| State Farm | $90 |
| Allstate | $91 |
| American Family | $94 |
| Commonwealth Casualty | $98 |
| Safeco | $103 |
| GEICO | $104 |
| National General | $107 |
| Root | $109 |
| Dairyland | $110 |
| The General | $110 |
| Mercury | $114 |
| Direct Auto | $115 |
| Nationwide | $116 |
| Travelers | $120 |
| GAINSCO | $122 |
| Bristol West | $122 |
| Erie | $122 |
| Elephant | $132 |
| Farmers | $132 |
| Anchor | $138 |
| AssuranceAmerica | $147 |
| CSAA | $160 |
| 21st Century | $161 |
| Shelter | $169 |
| Clearcover | $170 |
| Liberty Mutual | $172 |
| Plymouth Rock | $173 |
| State Auto | $187 |
| The Hartford | $195 |
| Hugo | $230 |
| Chubb | $230 |
| Amica | $318 |
Location is an important factor in car insurance costs. Population density, road and weather conditions, vehicle vandalism and theft rates, and claims that other drivers file 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.
Nationally, car insurance in Florida is typically more expensive, at $106 per month for liability coverage. Here are the average monthly quotes from the cheapest insurers in every state (including Washington, D.C.).
State | Liability Only |
|---|---|
| Alabama | $45 |
| Arizona | $62 |
| Arkansas | $44 |
| California | $83 |
| Colorado | $59 |
| Connecticut | $110 |
| Delaware | $78 |
| Florida | $106 |
| Georgia | $89 |
| Idaho | $32 |
| Illinois | $48 |
| Indiana | $44 |
| Iowa | $23 |
| Kansas | $52 |
| Kentucky | $82 |
| Louisiana | $64 |
| Maine | $39 |
| Maryland | $160 |
| Massachusetts | $55 |
| Michigan | $72 |
| Minnesota | $61 |
| Mississippi | $43 |
| Montana | $77 |
| Missouri | $56 |
| North Dakota | $81 |
| Nebraska | $43 |
| New Hampshire | $60 |
| Nevada | $58 |
| New Jersey | $100 |
| New Mexico | $57 |
| New York | $117 |
| North Carolina | $61 |
| Ohio | $41 |
| Oklahoma | $36 |
| Oregon | $71 |
| Pennsylvania | $41 |
| South Carolina | $70 |
| South Dakota | $57 |
| Tennessee | $45 |
| Texas | $57 |
| Utah | $59 |
| Virginia | $61 |
| Washington | $58 |
| Washington D.C. | $172 |
| Vermont | $67 |
| West Virginia | $44 |
| Wisconsin | $35 |
| Wyoming | $67 |
Source: 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. Insufficient data is available to show results for Alaska, Hawaii, and Rhode Island.
State | Liability Only |
|---|---|
| California | $83 |
It ’s well worth considering regional insurers when you’re looking for affordable 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.
Insurance Company | Regions Served | Full Coverage | Liability Only |
|---|---|---|---|
| COUNTRY Financial | Central, North Central, Northwest, Southeast, Southwest | $85 | $45 |
| NJM | Northeast and Mid-Atlantic | $93 | $57 |
| Mile Auto | North Central, Northwest, Southeast, Southwest | $120 | $70 |
| Erie | Mid-Atlantic, North Central, Southeast | $122 | $73 |
| Metromile | North Central, Northwest, Southeast, Southwest | $111 | $61 |
| American Family | Central, North Central, Northwest, Southeast, Southwest | $153 | $82 |
| Mercury | Central, Mid-Atlantic, North Central, Southeast, Southwest, Western | $160 | $95 |
| Direct Auto | Mid-Atlantic, North Central, Southeast, Southwest | $145 | $95 |
| Clearcover | Central, Mid-Atlantic, North Central, Southeast, Southwest | $198 | $140 |
Most insurers offer discounts that can help drivers save on their premiums. If you qualify for multiple discounts, you can save even more. You can find the below discounts from top insurers, including State Farm, USAA, GEICO, Progressive, and more. Ask an insurance agent which discounts you’re eligible for.
Car Insurance Discount | Potential Savings |
|---|---|
| Safe driver/good driver | 22% |
| Bundling | 7%–25% |
| Multi-car | 7%–25% |
| Good student | 10%–15% |
| Passive restraint | 30% |
| Telematics | 10%–30% |
| Military | 15%–25% |
| Anti-theft | 23% |
| Pay-in-full | Varies |
| Low-mileage | Varies |
| Defensive driver course | 5% |
| New car | 10%-15% |
| Anti-lock brakes | 5% |
| Student-away-from home | Varies |
| Homeowners | Varies |
| Loyalty | Varies |
| Early bird | Varies |
| Paperless | Varies |
*Quotes generated for Insurify users within the last 10 days. Last updated on March 17, 2026. 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 March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The biggest risk when getting the cheapest car insurance policy is that you might not buy enough coverage.
Liability insurance covers costs related to any bodily injury and property damage you cause to other people in an accident. 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. That means it’s often easier to find cheap liability-only coverage than cheap full-coverage car insurance.
State-minimum coverage tends to have low limits, so buying only 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.
You have several ways to get cheaper rates on your car insurance. Start with the strategies below.
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.
Potential savings: 2%–34%
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.
Potential savings: 34%
Effort: Moderate
Practice safe driving habits by wearing your seat belt, 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.
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 that more than 5% of Americans have dropped full coverage and more than 12% have lowered their coverage limits to combat rising car insurance prices.
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.
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.
Buddy Parkhurst
Insurance Agent
Be sure to account for all household members when you’re seeking a quote to make sure the insurance company can rate and cover them properly. Besides helping you get an accurate quote, disclosing your household members protects you from a “material misrepresentation incident,” which could mean your insurer denies a claim or cancels your policy.
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.
Liability-only insurance averages $99 per month, according to Insurify data. COUNTRY Financial is the cheapest car insurance company overall, with an average monthly liability premium of $45.
No. Getting a car insurance quote won’t affect your credit because insurance companies use a “soft” inquiry.
No. It’s possible to find a cheap car insurance policy that meets your coverage requirements. But the cheapest option won’t always be the best for your situation, which is why comparing quotes is important.
COUNTRY Financial is the cheapest car insurance company and has an average liability-only rate of $45 per month. The cheapest insurance company for you could be different. Regional insurers sometimes have lower rates, and companies consider many factors to determine your rates.
Auto-Owners has the cheapest rates for full coverage, at $83 per month. The next cheapest are COUNTRY Financial and NJM, at $85 and $93 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.
Comparing quotes from at least three different car insurance companies is the best way to find an affordable policy for your situation. You can also ask if you qualify for any discounts, which could lower your premiums even more.
Other ways to get cheaper car insurance include increasing your deductible amount, taking a defensive driving course, and opting for liability-only coverage if your car is paid off or if you have an older vehicle.
No single company offers the cheapest car insurance to every driver. The best way to find a policy that meets your budget and coverage needs is to compare quotes from at least three different insurers and compare your options side by side.
Insurify data shows that COUNTRY Financial, Auto-Owners, and USAA offer cheap liability-only policies.
Comprehensive car insurance, which is part of a full-coverage policy, typically costs more than a basic liability-only policy because it offers more financial protection. But some insurers offer affordable comprehensive insurance policies, such as Auto-Owners, COUNTRY Financial, and NJM.
The best way to compare cheap car insurance companies is to use an online quote-comparison website. You’ll enter some personal information once, then you’ll be able to compare quotes from multiple insurers in one place.
You can also compare quotes on individual insurance company websites, but this is more time-consuming and requires you to enter your personal information multiple times.
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.
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.
The cheapest cars to insure are typically reliable vehicles with modern anti-theft and safety features. These include the Honda Fit, Subaru Forester, and Subaru Outback, based on Insurify’s analysis. The Insurance Institute for Highway Safety named the Forester and the Outback Top Safety Picks in 2024, and the Forester also earned a Top Safety Pick rating for 2025.
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.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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
