Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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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Cheapest recent rates
Drivers have found policies from Aspire General, Sun Coast, Dairyland, and more, for rates as low as $37/mo. through Insurify
*Quotes generated for Insurify users within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 13, 2025. 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 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance costs are higher than ever; it’s not just in your head. Rates surged 15% in the first half of 2024 but have been relatively stable since then. In fact, Insurify data scientists predict only a 5% increase in auto insurance costs in 2025.
The national average rate for full-coverage car insurance is now $2,362 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 $1,263 per year.
Every state except New Hampshire legally requires drivers to have some coverage. Thankfully, if you compare car insurance quotes, you’ll find that many national and regional insurers have competitive rates.
Quick Facts
COUNTRY Financial has the cheapest liability-only quotes for drivers with an incident, at $20 per month.
COUNTRY Financial has the cheapest full-coverage car insurance quotes, at $36 monthly.
Liability-only car insurance is generally the cheapest type of coverage but offers less financial protection than full-coverage car insurance.
The 10 cheapest car insurance companies overall
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 90 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.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners
$33
$69
8.5
GEICO
$55
$117
9.0
State Farm
$55
$118
9.3
Allstate
$62
$131
8.9
Root
$64
$113
8.4
Nationwide
$86
$181
8.7
Safeco
$88
$148
8.3
Dairyland
$95
$254
7.0
National General
$97
$181
6.8
Progressive
$101
$147
8.4
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The cheapest car insurance company by driver category
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.
Driver Category
Cheapest Insurance Company
Cheapest Monthly Quote: Liability Only
Drivers with a clean record
COUNTRY Financial
$16
Drivers with an incident
COUNTRY Financial
$20
Drivers with bad credit
COUNTRY Financial
$19
Military members and their families
USAA
$47
Teen drivers
COUNTRY Financial
$19
Senior drivers
COUNTRY Financial
$13
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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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.
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.
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.
Recent quotes for other Insurify users
Recent car insurance prices for Honda, Mercedes Benz, KIA, and more. Insurify features quotes from 120+ carriers including Root, Commonwealth Casualty, and Safeco.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 13, 2025. 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 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 13, 2025. 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 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.
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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Rates start at $16/mo. for liability-only coverage
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How to get the cheapest car insurance
You have several ways to get cheaper rates on your car insurance. Start with the strategies below.
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.
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.
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.
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.
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.
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.
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 behavior 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.
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 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 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.
Our licensed insurance agents weigh in
Expert Insight
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
Expert Insight
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.
View answers
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 $41 for drivers with a speeding ticket, $43 for drivers with an at-fault accident, and $54 for drivers with a DUI.
The following table shows the cheapest insurers and their national average monthly liability-only rates for drivers with common infractions.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
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.
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.
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.
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.
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, March 13 at 12:00 PM PDT.
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.
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 drivers with bad credit: COUNTRY Financial
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.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
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.
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.
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.
COUNTRY Financial is the cheapest car insurance company and has an average liability-only rate of $16 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.
COUNTRY Financial has the cheapest rates for full coverage, at $36 per month. The next cheapest are NJM and Auto-Owners, at $52 and $69 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.
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 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.
Julia TaliesinInsurance Content Writer
Julia Taliesin is an insurance 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 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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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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