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Cheapest car insurance companies overall
The cheapest car insurance company overall is Auto-Owners, which offers minimum coverage of $27 per month. That’s $293 less than the national average — but Auto-Owners isn’t available in every state.
USAA and GEICO are the cheapest large car insurance companies available everywhere. But since USAA is only available to active and retired military members and their families, the average driver is likelier to find low car insurance rates with GEICO.
Best cheap car insurance by driver
We analyzed cost data to find the cheapest companies for car insurance for every type of driver. While GEICO has the most affordable car insurance for most drivers, that doesn't mean it's necessarily the cheapest company for you.
The best way to find cheap liability car insurance (also called third-party insurance) is by comparing quotes from multiple companies.
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Most affordable for families with teen drivers: Farm Bureau
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Most reasonable for military families: USAA
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Most affordable for good drivers: Progressive
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Most affordable after an accident, speeding ticket, or DUI: State Farm
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Most affordable, reliable car insurance: Erie
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Most affordable for drivers with bad credit: MAPFRE
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Most affordable for non-standard car insurance: National General
Cheapest for families with teen drivers: Farm Bureau ($27)
Farm Bureau is the cheapest car insurance company for families with teens. On average, adding a teen driver (16 to 19) to your Farm Bureau policy will raise your rates to $168 per month or $2,012 per year. That’s less than the national average of $3,327 per year.
Farm Bureau also has affordable rates for young drivers who get their policies (though that’s still much more expensive than adding a teen to an existing policy). Teens getting their own car insurance pay an average of $288 per month with Farm Bureau, compared to an average of $469 a month.
Cheapest for military families: USAA ($141)
USAA has the cheapest car insurance for military families and veterans. On average, a policy that includes coverage for a driver who’s 16 to 21 years old costs $141 per month with USAA. That’s $966 cheaper than average ($2,653 per year).
USAA isn’t just cheap for families. It’s one of the most affordable car insurance companies overall, with an average rate of $87 per month for a single driver.
Cheapest for good drivers: Progressive ($70)
Safe drivers who sign up for Snapshot (Progressive’s usage-based insurance program) pay an average of just $70 monthly for car insurance. If you’re comfortable being tracked and sharing data about your driving habits with Progressive through a mobile app, this discount may be worth it.
Cheapest after an accident, speeding ticket, or DUI: State Farm ($120)
State Farm is the cheapest car insurance company for drivers with an at-fault accident, speeding ticket, or DUI. On average, these drivers pay $120 per month for State Farm car insurance, or $1,436 per year — $1,496 less than average.
When your rates return to normal after a few years of safe driving, State Farm may still be the cheapest company for you. On average, State Farm costs $95 per month for full coverage with a clean record, $497 less than average.
Cheapest after an accident, speeding ticket, or DUI: State Farm ($120)
At $125 a month, MAPFRE is the cheapest car insurance company for drivers with poor or bad credit. That’s $1,504 per year, or $1,613 less than the average rate for car insurance with bad credit.
While MAPFRE is an affordable option for drivers with bad credit, some states (California, Hawaii, Massachusetts, and Michigan) don't allow car insurance companies to consider your credit score when setting rates.
Cheapest reliable car insurance: Erie ($30)
Erie is the best all-around cheap company for reliable customer service. You want your car insurance to be there when you need it most, like after an accident or claim, and Erie has top-rated claims satisfaction in addition to affordable rates.
On average, Erie's minimum-coverage car insurance (meaning third-party car insurance) costs $31 per month. That’s $370 per year, or $247 cheaper than the national average. Your rates could be even more affordable, especially if you qualify for any of Erie’s many auto insurance discounts.
Cheapest for non-standard car insurance: National General ($273)
Non-standard car insurance isn’t as cheap or as common as standard coverage, but some companies are known for offering this type of coverage at an affordable price. We found that the cheapest insurance for non-standard drivers comes from National General, which Allstate backs.
On average, National General costs non-standard drivers $240 per month. That’s more expensive than a standard policy but 9% cheaper than the average cost of car insurance after a DUI and license suspension.
Learn more about how to find cheap car insurance
Our picks are a starting place, but there’s no guarantee that the cheapest car insurance company for one driver will also be your most affordable option.
That’s because rates vary by everything from your location to your age to your driving history. Before you start looking for coverage, look at some of the cheapest companies for drivers in your area or with your profile.
Then, compare quotes from at least a few companies. We estimate that drivers who don’t compare before buying what they think is the cheapest insurance can overpay hundreds of dollars each month.
Use these links to learn more about the cheapest car insurance in your location and for your age, plus other tips for smart shopping.
Cheapest car insurance companies by state
Car insurance costs vary by location, and the cheapest company in one state may not be the most affordable option in another. We found that USAA is the cheapest option in 20 states, the most of any one company, and State Farm has the cheapest car insurance in 10 states.
Easy ways to get cheaper auto insurance
If you live in an area with higher-than-average rates, have an accident or driving violation on your record, are newly licensed — or are just having a hard time finding affordable coverage — there are still ways you can get cheap car insurance.
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Shop around for car insuranceThe single best way to get the cheapest auto insurance is to get quotes from more than one company. That way, you can be sure you’re choosing your most affordable option.
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Don’t be afraid to switch companies to get new quotes whenever your policy’s up for renewal. You can even shop for coverage and change while your policy is in effect if you think your rates are too high.
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Make sure you get the right amount of coverage. Most people should have full range, but you may not need it or other expensive add-ons if one of your cars is an old clunker that’s not worth much.
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Keep a good driving record. As long as you’re a safe driver with a clean record, you’ll get cheaper rates because you’re viewed as less likely to make claims.
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Bundle coverage whenever you canCompanies usually offer discounts to drivers who bundle their auto insurance with another policy, like homeowners or renters insurance.
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Please pay for your car insurance all at once. You can afford it; you can get cheaper car insurance by paying your entire annual premium at once instead of monthly.
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Tell your insurance company when your life changes. You can get more discounts after you buy a policy if you experience a significant change during your procedure, like if you get married or buy a home.
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How to get cheaper car insurance with common discounts
Nearly every company offers at least a couple of ways to reduce your car insurance rates with discounts. There are different types of car insurance discounts — some award savings for how you drive, while others are for choices you make about your policy.
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Safety and security discounts: You can get cheaper car insurance if you have a vehicle with safety features or anti-theft tech, like crash avoidance alerts, lane departure warnings, and alarm systems.
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Lifestyle discounts: Companies sometimes give discounts to drivers who own their own homes, complete approved defensive driving courses, or are over a certain age (senior discounts usually apply to drivers over 55).
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Good and distant student discounts: Young drivers can get more affordable auto insurance by getting good grades, taking certain driver education classes, or attending school away from home without a car.
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Affinity and employment discounts: You could get cheaper car insurance if you’re part of a sorority, fraternity, or university. If not, you can still get deals for having specific jobs, like nurses or teachers.
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Policy discounts: Bundling policies, setting up automatic payments, switching to paperless billing, and staying loyal to the same company can usually save you money.
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Usage-based or per-use discounts are to your driving habits and how much you drive your car. If you’re comfortable with having your behavior monitored, both can be excellent ways to get cheaper rates.
How to get cheaper car insurance with common discounts
Some groups have a more challenging time finding cheap car insurance. When insurance companies think you’re more likely to make a claim, it will get tougher to find affordable insurance rates.
Not many companies have affordable rates for new drivers — especially teenagers because they’re more of a risk to insure. Car insurance costs can also be high if you’ve been in a crash, gotten a traffic ticket, have poor credit, or made a past claim.
That said, your rates won’t go up by as much after a not-at-fault claim, like if you’re hit while parked.
Should you get the cheapest car insurance?
Searching for the absolute cheapest car insurance is tempting, but it’s a bad idea for most drivers. That’s because most people need a full-coverage policy that includes comprehensive and collision coverage, not a cheap minimum coverage policy that only has the lowest liability coverage required by law.
Not having full coverage means your policy doesn’t cover damage to your car. So if you crash into a telephone pole or a tree branch falls on your vehicle's hood, you’ll have to foot the bill.
Ready to shop for life insurance? Find the insurance you need and save by shopping from the most trusted insurers.
Who gets the best price on car insurance?
Some groups have a more challenging time finding cheap car insurance. When insurance companies think you’re more likely to make a claim, it will get tougher to find affordable insurance rates.
Not many companies have affordable rates for new drivers — especially teenagers because they’re more of a risk to insure. Car insurance costs can also be high if you’ve been in a crash, gotten a traffic ticket, have poor credit, or made a past claim.
That said, your rates won’t go up by as much after a not-at-fault claim, like if you’re hit while parked.
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