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
Insurify’s drivers have found rates ranging from $35/mo. to $251/mo. in the last few days
*Quotes generated for Insurify users within the last 10 days. Last updated on August 15, 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 August 15, 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 August 15, 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 August 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Auto-Owners has the cheapest liability-only quotes for drivers with an incident, at $42 monthly.
Auto-Owners has the cheapest minimum-coverage quotes for drivers with poor credit, at $57 monthly.
Auto-Owners has the cheapest liability-only quotes for teen drivers, at $59 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 $2,549, 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 $1,258 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, August 1 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
$36
8.5
GEICO
$56
9.0
State Farm
$56
9.3
Allstate
$63
8.9
Progressive
$77
8.4
Safeco
$77
8.3
National General
$79
6.8
Dairyland
$84
7.0
Root
$84
8.4
Nationwide
$85
8.7
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 28,000 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.
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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 Company
▲▼
Cheapest for
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Average Annual Savings
▲▼
Auto-Owners
Drivers with poor credit
$38
$82
$780
State Farm
Drivers with a clean record
$53
$115
$600
GEICO
Discount seekers
$54
$119
$588
National General
High-risk drivers
$79
$188
$288
Nationwide
Low-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
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.
8.5/10
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.
$36/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.
$78/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.
If you have extremely low mileage vehicles (like show cars), do not put them on the Auto-Owners policy. There are specialty insurers that offer much better pricing/value for these types of vehicles.
Debra - August 11, 2024
Verified
Satisfied
I've checked out different quotes and the prices are not far off from what I've been paying, so I'm going to stay with them.
Jill - August 6, 2024
Verified
Initially great, but prices inflated over time
Our car insurance rates kept increasing despite us never having made a claim. I would advise against using the roadside assistance they provide for towing.
…
Best and cheapest car insurance for drivers with a clean record: State Farm
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.
9.3/10
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.
$56/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.
$121/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
I initially had two cars on the policy. However, after selling one car and reducing my coverage to one vehicle, they continued to charge me for two cars. This was a disappointing experience with their service.
Judy - August 14, 2024
Verified
State Farm is the Best
They are cheaper than any other quote I received, which is probably why I have been with State Farm for over 50 years!
…
Best and cheapest car insurance company for discount seekers: GEICO
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.
9.0/10
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.
$56/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.
$122/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
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.
6.8/10
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.
$79/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.
$164/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.
Once You Join Them, They Won't Speak to You for Any Reason
They don't answer phones, return calls, respond to emails, or engage in online chat. You cannot get a hold of them, and that's why I'm switching.
Dave - August 12, 2024
Verified
Disappointed in Rate Increases
Our auto and home rates increased by 25% after one year of coverage, despite having no claims on either. We have no tickets, DUIs, or hail or wind damages. We are just two retirees.
…
Best and cheapest car insurance for low-mileage drivers: Nationwide
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.
8.7/10
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.
$85/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.
$186/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
Nationwide beats Allstate in automobile coverage and lowered my deductible by $1,500.
Samantha - August 12, 2024
Verified
Increasing Prices
The more loyal I am to them, the higher my monthly rate becomes. It's horrible.
…
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.
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.
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.
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.
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.
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
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.
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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.
Cheapest recent rates
Insurify’s drivers have found rates ranging from $35/mo. to $138/mo. in the last few days
*Quotes generated for Insurify users within the last 10 days. Last updated on August 15, 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 August 15, 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 August 15, 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 August 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $43 for drivers with a speeding ticket, $45 for drivers with an at-fault accident, and $60 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, August 1 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 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, August 1 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 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, August 1 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, August 1 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 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, August 1 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.
Compare Quotes and Save
Rates start at $18/mo. for liability-only coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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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 $36 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 $41 per month. The next cheapest are NJM and Auto-Owners, at $54 and $78 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.
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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Auto-Owners
State Farm
GEICO
National General
Nationwide
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