Did you know the exact same driver could be charged $32 per month by one insurance company and $104 per month by another?
Our car insurance analysis — based on millions of quotes collected across the country — backs that up. Read on to find out the cheapest companies in the country, in your state and for certain types of drivers.
Beyond the data, the best advice we can give drivers looking for their best car insurance rates is to shop around. No single insurer will be the cheapest for every driver, but our research will give you a good foundation to start your search.
Table of contents
The cheapest car insurance companies
The cheapest car insurance companies by state
What is the cheapest car insurance for you?
How to get the right amount of cheap car insurance
What is the cheapest car insurance company?
Our analysis found that USAA and State Farm are the most affordable major insurers in the country. USAA cost an average of $224 for a six-month policy, 49% below the national average. State Farm cost $309 (30% below the national average) for a six-month policy.
Although USAA is easily the cheapest option among major insurers, only active military members, veterans or their families will qualify for a policy.
Among insurers that have a smaller national footprint, Farm Bureau Insurance, at $251 for a six-month policy, and Erie, at $195, rank as the cheapest.
These insurers don't have the same name recognition as some of the companies you may recognize from national television campaigns, but could help you find savings if you're looking for the cheapest rate.
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The Three Cheapest Major Car Insurance Companies
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State Farm is the largest auto insurance company in the country, providing policies nationwide and rates that beat the average in 48 states (excluding Massachusetts and Rhode Island) and D.C. A minimum coverage auto insurance policy with State Farm costs $309 for six months. Additionally, this company boasts an enormous network of local agents, meaning there is likely a State Farm agent in your city who can help you with a policy.
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Geico is the second largest auto insurance company in the country and operates in all 50 states and D.C. A minimum coverage policy with Geico costs $390 for six months. Geico also has one of the auto insurance market's best quote tools, so it's easy to get an instant rate online and comparison shop.
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USAA is actually the cheapest of these three insurers and, like Geico, operates in all 50 states and D.C. Minimum coverage auto insurance costs $223 for a six-month policy, on average, which is the lowest rate by far. We list USAA last of these three insurers as only active military members, veterans and their families will be eligible. But as the fifth largest auto insurance company in the country, it's serving almost as many customers as other big names like Progressive and Allstate.
In the table below, you can see how the average six-month rates for 13 of the biggest auto insurers in the country compared based on online quotes we obtained for a sample 30-year-old driver.
Click on a company name to read our full review.
1 Erie $195
2 USAA $223
3 Farm Bureau Mutual $251
4 State Farm* $309
5 American Family $387
6 Geico* $390
7 Progressive* $394
8 MetLife* $453
9 Nationwide* $466
10 Auto-Owners Insurance $513
11 Farmers* $553
12 Travelers* $623
13 Allstate* $625
Insurers with an asterisk offered quotes in at least 20 states.
Read on to see our recommendations for the cheapest insurers for particular driver profiles and states.
How we determined the cheapest insurers: We collected quotes from 51 insurance companies across hundreds of ZIP codes (or more) in every state. Major insurers are noted with an asterisk, with major being defined as those who offered quotes in at least 20 states.
Quotes were for a sample driver and policy as described in our methodology.
How rates with the cheapest insurers might change depending on your driver profile
A variety of factors can affect your car insurance rates, including your location, age, driving history, vehicle, financial profile and, maybe most importantly, elected coverage. Our rates above were for a sample 30-year-old driver with a clean driving history.
Below, we show what the five biggest insurers charge when we alter the sample driver's age, driving record and coverage limits.
All rates are for a six-month policy with full coverage, rather than minimum coverage, unless noted otherwise.
bar graph comparing rates for a 30-year-old driver vs a 18-year-old driver