Home Car insurance Car insurance rates Cheapest Car Insurance Buying Guide Cheapest Car Insurance Buying Guide View Carriers Please enter valid zip Compare top carriers in your area Written by Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Reviewed by Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. Updated on: July 12, 2021 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Geico takes the title for cheap car insurance in 36 states, as well as overall for the country, based on an Insure.com analysis of rates from top market-share companies for full coverage. Geico’s average nationwide rate is nearly half of Allstate’s, which shows why it’s important to compare car insurance rates before buying a policy. You can’t save if you don’t shop around for the cheapest auto insurance rate. The price of an auto insurance policy will vary significantly among insurers because each company assesses risk differently and uses its own formula to calculate what you pay. Top 6 Cheapest Car Insurance Companies Here is how major car insurance companies ranked on price for a full coverage policy Company NameAverage Annual Price Geico $ 901 Nationwide/Allied $ 1,227 State Farm $ 1,313 Farmers $ 1,351 Progressive $ 1,415 Allstate $ 1,758 Who has the cheapest auto insurance near me? If you’re wondering, “Who has cheap car insurance near me?” you can get an idea of which car insurance companies have low cost car insurance in your state by doing a search in the table below. It shows how insurers ranked on price for a policy with the following coverage: Bodily injury liability — $100,000 per person/$300,000 maximum per accident for bodily injuryProperty damage liability — $100,000 for property damageComprehensive and collision coverage with $500 deductible Key Takeaways Where you live can make a difference in your auto insurance premiums.Insure’s tool enables drivers to compare auto policy costs quickly.This report shows the cheapest car insurance companies by state, for a given driver profile.Drivers should shop for the best coverage at least once per year; shopping every six months is even better.The lowest-cost option may not always be the best solution; consumers should consider value for the price. Cheapest car insurance companies by state Enter your state in the search field to see average rates by company. State Company Avg. Car Insurance Rates (Annual) AlaskaState Farm$979AlaskaGeico$1,075AlaskaProgressive$1,080AlaskaAllstate$1,304AlabamaGeico$759AlabamaMid Century$1,172AlabamaNationwide$1,197AlabamaAllstate$1,257AlabamaState Farm$1,572AlabamaProgressive$1,840ArkansasGeico$980ArkansasState Farm$1,165ArkansasFarmers$1,176ArkansasNationwide$1,483ArkansasProgressive$1,594ArkansasAllstate$1,821ArizonaGeico$977ArizonaProgressive$1,047ArizonaFarmers$1,195ArizonaState Farm$1,392ArizonaNationwide$1,719ArizonaAllstate$1,807CaliforniaGeico$944CaliforniaUnited Financial$1,128CaliforniaNationwide$1,379CaliforniaNationwide$1,756CaliforniaFarmers$1,932CaliforniaState Farm$1,967ColoradoGeico$813ColoradoState Farm$1,241ColoradoFarmers$1,516ColoradoProgressive$1,559ColoradoAllstate$1,889ConnecticutGeico$946ConnecticutNationwide$1,254ConnecticutState Farm$1,463ConnecticutProgressive$2,026ConnecticutAllstate$2,462ConnecticutForemost$2,478DCGeico$713DCProgressive$1,496DCState Farm$1,518DCNationwide$1,977DCAllstate$2,913DelawareGeico$1,134DelawareProgressive$1,333DelawareNationwide$1,492DelawareState Farm$1,872DelawareAllstate$2,398FloridaGeico$1,192FloridaState Farm$1,611FloridaProgressive$1,754Florida21st Century Centennial$1,972FloridaAllstate$2,584GeorgiaGeico$762GeorgiaNationwide$1,303GeorgiaState Farm$1,372GeorgiaProgressive$1,563GeorgiaAllstate$1,701HawaiiGeico$857HawaiiState Farm$1,023HawaiiAllstate$1,389HawaiiProgressive$1,646HawaiiFarmers$2,376IowaAmco Ins Co$645IowaGeico$693IowaFarmers$933IowaState Farm$945IowaProgressive$1,286IowaAllstate$1,589IdahoGeico$713IdahoFarmers$800IdahoState Farm$845IdahoProgressive$848IdahoDepositors Ins Co$863IdahoAllstate$1,577IllinoisGeico$590IllinoisAmco Ins Co$678IllinoisState Farm$1,011IllinoisIllinois Farmers$1,170IllinoisProgressive$1,193IllinoisAllstate$1,375IndianaGeico$651IndianaIllinois Farmers$748IndianaProgressive$854IndianaNationwide$866IndianaState Farm$1,095IndianaAllstate$1,569KansasNationwide$814KansasGeico$823KansasState Farm$1,166KansasFarmers$1,249KansasProgressive$1,682KansasAllstate$1,718KentuckyGeico$881KentuckyNationwide$1,631KentuckyProgressive$1,693KentuckyState Farm$1,734KentuckyAllstate$2,822LouisianaGeico$1,540LouisianaState Farm$2,023LouisianaAllstate$2,316LouisianaProgressive$2,881MassachusettsGeico$865MassachusettsState Farm$884MassachusettsProgressive$1,272MassachusettsAllstate$1,742MarylandProgressive$1,102MarylandNationwide$1,114MarylandGeico$1,199MarylandState Farm$1,357MarylandAllstate$2,177MaineGeico$517MaineState Farm$948MaineProgressive$1,025MaineAllstate$1,212MichiganGeico$1,027MichiganProgressive$1,714MichiganTitan$2,177MichiganAllstate$2,849MichiganState Farm$3,135MichiganFarmers$3,999MinnesotaGeico$935MinnesotaIllinois Farmers$1,030MinnesotaAllied$1,188MinnesotaState Farm$1,190MinnesotaProgressive$1,295MinnesotaAllstate$1,483MissouriAllied$724MissouriGeico$800MissouriFarmers$1,051MissouriState Farm$1,279MissouriProgressive$1,303MissouriAllstate$1,769MississippiGeico$894MississippiNationwide$1,184MississippiProgressive Gulf Ins Co$1,268MississippiState Farm$1,353MississippiAllstate$1,917MontanaGeico$848MontanaProgressive$1,112MontanaState Farm$1,149MontanaDepositors$1,238MontanaMid Century$1,244MontanaAllstate$1,753North CarolinaProgressive$622North CarolinaGeico$704North CarolinaState Farm$845North CarolinaFarmers$1,046North CarolinaNationwide$1,071North CarolinaNationwide$1,205North CarolinaAllstate$1,230North DakotaAllied$753North DakotaGeico$897North DakotaProgressive$1,047North DakotaState Farm$1,132North DakotaAllstate$1,502North DakotaMid Century$2,560NebraskaAllied$711NebraskaGeico$978NebraskaState Farm$1,003NebraskaMid Century$1,192NebraskaAllstate$1,393NebraskaProgressive$1,403New HampshireGeico$550New HampshireNationwide$867New HampshireState Farm$1,036New HampshireProgressive$1,465New HampshireAllstate$1,588New Jersey21st Century Centennial$762New JerseyGeico$1,104New JerseyProgressive$1,255New JerseyAllstate NJ$1,761New JerseyState Farm$1,847New MexicoGeico$894New MexicoProgressive$998New MexicoState Farm$1,177New MexicoFarmers$1,251New MexicoAllstate$1,948NevadaGeico$1,342NevadaMid Century$1,537NevadaProgressive$1,663NevadaState Farm$1,726NevadaVictoria$1,955NevadaAllstate$2,256New YorkGeico$993New YorkProgressive$1,160New YorkAllstate$1,587New YorkState Farm$1,855New YorkNationwide$2,098New YorkForemost$2,858OhioGeico$619OhioState Farm$881OhioFarmers$887OhioProgressive$999OhioNationwide$1,015OhioAllstate$1,310OklahomaGeico$1,050OklahomaFarmers$1,327OklahomaState Farm$1,416OklahomaAllstate$1,918OklahomaProgressive$2,506OregonGeico$933OregonState Farm$1,043OregonNationwide$1,121OregonProgressive$1,238OregonFarmers$1,594OregonAllstate$1,656PennsylvaniaGeico$703PennsylvaniaNationwide$711PennsylvaniaState Farm$1,284PennsylvaniaAllstate$1,729PennsylvaniaProgressive$3,183Rhode IslandState Farm$1,132Rhode IslandGeico$1,292Rhode IslandNationwide$1,678Rhode IslandProgressive$2,092Rhode IslandAllstate$2,246South CarolinaGeico$1,050South CarolinaAllstate$1,178South CarolinaNationwide$1,200South CarolinaProgressive$1,359South CarolinaState Farm$1,511South DakotaGeico$708South DakotaNationwide$938South DakotaMid Century$982South DakotaState Farm$1,052South DakotaProgressive$1,110South DakotaAllstate$1,562TennesseeGeico$764TennesseeNationwide$796TennesseeState Farm$1,131TennesseeProgressive$1,223TennesseeMid Century$1,576TennesseeAllstate$1,794TexasFarmers$905TexasGeico$1,027TexasColonial$1,247TexasProgressive$1,328TexasState Farm$1,348TexasAllstate$1,949UtahGeico$684UtahMid Century$1,016UtahAllied$1,119UtahAllstate$1,353UtahProgressive$1,503UtahState Farm$1,518VirginiaNationwide$744VirginiaGeico$894VirginiaState Farm$969VirginiaAllstate$1,102VirginiaProgressive$1,150VermontGeico$485VermontNationwide$789VermontProgressive$1,103VermontAllstate$1,183VermontState Farm$1,255WashingtonNationwide$1,028WashingtonGeico$1,075WashingtonProgressive$1,092WashingtonState Farm$1,160WashingtonFarmers$1,335WashingtonAllstate$1,455WisconsinGeico$663WisconsinState Farm$914WisconsinMid Century$1,021WisconsinArtisan$1,176WisconsinAllstate$1,484WisconsinNationwide$2,851West VirginiaGeico$1,149West VirginiaProgressive$1,238West VirginiaState Farm$1,309West VirginiaNationwide$1,327West VirginiaAllstate$1,853WyomingState Farm$1,128WyomingGeico$1,287WyomingFarmers$1,688WyomingAllstate$1,874 *Rates were fielded by Quadrant Information Services from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2016 Honda Accord. Full coverage of 100/300/100 with comprehensive and collision; $500 deductible. QuickTake Average car insurance rates by age and gender The most expensive and cheapest cars to insure in 2024 Car insurance rates by state in 2024 How does mileage affect car insurance rates in 2024? How much does car insurance cost a month in 2024? Car insurance basics: What is car insurance? 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Cheap thrills: 7 cars with high horsepower, reasonable insurance Most and least expensive convertibles to insure Popular cars that are cheap to insure 5 luxury sedans with low insurance costs Insuring 2015's cheapest cars The least expensive small SUVs to insure Baby you're much too fast: Speedy cars with the cheapest insurance The least expensive 2011 hybrids to insure See more > Expert Recommendation and Tips for buying affordable car insurance and getting cheap car insurance quotes While a list of cheap car insurance companies is helpful, Penny Gusner, consumer analyst for Insure.com states, “It should be used as a jumping off point to comparison shop with a variety of auto insurers. Your rates will differ from ours due to your own personal rating factors — such as your age, vehicle and driving record, thus the need to shop around and find which insurer offers the best price for your specific situation.” Gusner’s list of ways to get and keep cheap car insurance rates: Shop around at least once a year, if not at every six-month renewal period.Keep a clean driving record. Your history behind the wheel shows the risk to you pose to the insurer. If you don’t have a clean record now, work towards it. As incidents, such as a speeding ticket, falls off your driving record, shop around for better rates.Keep continual auto insurance coverage. A gap in coverage is looked down on my insurers and will take away your chance to get the cheapest car insurance rates. If you go without a car for a period of time, opt for a non-owners auto policy during that time.Have excellent credit. Most states allow insurers to use your credit as a rating factor and offer higher rates to those whose credit is lacking. If your credit score is not good, work to better it and keep shopping for affordable auto insurance because rates should fall as your credit gets better.Raise your deductibles. Set your collision and comprehensive deductibles as a higher rate — but still one you can afford. This goes hand-in-hand with Gusner’s advice to use your insurance for major things, pay out of pocket for minor items if possible and then claim to repair your vehicle for major damage that is above your deductible amount. Fewer claims and a higher deductible will keep your car insurance costs lower.Get all the discounts you can. Car insurance companies’ discount offering differ immensely, so make sure you are getting a price cut for all the discounts you are eligible to receive. Scour your insurer’s website and ask if you see a discount you believe you should receive but don’t see on your dec page. Cheap car insurance quotes are just one factor to consider when buying a policy saving money on car insurance by comparison shopping to see who has cheap car insurance quotes is wise, but keep in mind the cheapest car insurance policy isn’t always the best one. There are other factors to consider when buying coverage. Insure.com surveyed 3,700 customers to find the Best Car Insurance Companies, based on value for the price, customer service, claims handling and likelihood of being recommended. You should also consider the financial rating of potential insurers since it’s vital that your insurer has the financial means to pay out if you make a claim. Another thing you should consider in addition to price and customer service is the level of coverage that best suits your particular situation. While buying bare-bones coverage will net the cheapest car insurance cost, it may leave you on the hook financially should you get in accident or your car is damaged by severe weather or is stolen. If you buy just the state minimum required to drive legally, your policy won’t pay for damage to your car — it will only cover damage to other drivers’ vehicles and injuries you cause you cause to others in an accident you cause. To have your insurer pay for damage to your car you need to buy comprehensive and collision coverages, which are optional. Additionally, buying just the state-required liability limits means you could wind up paying out-of-pocket if you’re at fault for an accident that exceeds your policy limits. That’s why Gusner recommends policies that include $100,000 payouts per person you injure, up to $300,000 for one accident, and $100,000 to pay for damage you cause to other’s cars and property, along with comprehensive and collision. Is the cheapest car insurance policy the best choice? The cheapest auto insurance policy you can find may not be the best option. As we mentioned previously, you have to look beyond the cost. If you find a super cheap auto insurance, we advise you to read over the details of the policy before purchasing. There may be reasons why that policy is not a good fit for your situation. Some policies, especially those advertised as “very cheap car insurance with no deposit or down payment,” come with restrictions that standard policies do not. Common restrictions on these include: Only the named driver is insured. (Standard policies normally cover anyone that you give permission to operate your vehicle).Step-down provision that states other drivers of your vehicle are covered, however, if you carry higher than minimum liability limits, when others operate your car the limits are “stepped down” to just state minimum.Your coverage does not extend to rental cars. Cheap car insurance policies do not normally come with perks like disappearing deductible or accident forgiveness. Also, very cheap insurance providers tend to not offer as many discounts, so compare to an affordable company where you have a variety of discounts offered to make certain you really are getting a good deal with the “cheaper” company. We’re not saying all super cheap car insurance policies are bad, many can be like any other standard policy – just do your due diligence in reading all the details of the policy and checking the financial security status of the insurers, as well as reviews to make sure the company is a good fit for you and your family’s current circumstances. Don’t buy and then be surprised. Get Affordable Car Insurance Quotes Now Don’t forget to compare quotes from best car insurance companies by filling out the information in the form below. This will help you to get instantly matched up to 20 insurers in your area and compare cheap auto insurance that still includes sufficient coverage. Michelle MegnaContributor . .Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Top 6 Cheapest Car Insurance CompaniesWho has the cheapest auto insurance near me?Cheapest car insurance companies by stateExpert Recommendation and Tips for buying affordable car insurance and getting cheap car insurance quotesCheap car insurance quotes are just one factor to consider when buying a policyIs the cheapest car insurance policy the best choice?Get Affordable Car Insurance Quotes Now ZIP Code Please enter valid ZIP See rates