Home Car insurance Car insurance rates Cheap car insurance buying guide: How to get affordable coverage Cheap car insurance buying guide: How to get affordable coverage Maintaining a clean driving record and comparing quotes at renewal are the best ways to make sure you're getting the best deal on your car insurance. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILE | Expert insight from Benjamin BruinekoolBenjamin BruinekoolThe most important thing to consider here is making sure you're looking at equivalent coverages offered between the different providers.Go to commentSee moreSee less | Updated onJuly 8, 2026 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. How much you pay for car insurance depends on your driving profile and where you live, but almost anyone can pay less by comparing quotes from several insurers, keeping a clean driving record, and claiming every discount they qualify for. Beyond those, a few patterns hold across the board. Travelers consistently posts some of the lowest rates overall, even for drivers with a speeding ticket, at-fault accident, or DUI on their record. Younger drivers pay far more than anyone else, though good student discounts and choosing the right car can take some of the sting out. And no matter your situation, a clean driving record is the most reliable way to keep your premium down over time. How to lower your car insurance premium Compare quotes from at least three insurers. Rates for the same driver can vary significantly between companies, so shopping around is one of the easiest ways to save Choose the right coverage. Make sure your liability limits and deductible match your actual needs, not just the state minimum or a default option Maintain a clean driving record. Avoiding tickets and accidents keeps your premium from creeping up over time Use all your available discounts. Ask your insurer about every discount you qualify for, from good student to multi-policy to telematics programs Which car insurance companies offer the cheapest rates overall? USAA and Travelers offer some of the cheapest full-coverage car insurance rates overall, averaging $1,628 and $1,962 a year. USAA’s rates are hard to beat, but the insurer only offers policies to military members, veterans, and their families. Among insurers open to the general public, Travelers and GEICO stand out, with GEICO averaging $2,159 a year. The table below shows each company’s average annual premium for full coverage, based on 100/300/100 liability limits and a $500 deductible. CompanyAverage annual premiumUSAA*$1,628Travelers$1,962GEICO$2,159Nationwide$2,524Progressive$2,569State Farm$2,875Allstate$3,159Farmers$3,207 *USAA is only available to military community members and their families.Powered by: Is the cheapest car insurance company always the best choice? The cheapest car insurance isn’t always the best deal, because price is only useful when you’re comparing the same coverage and factoring in how the company handles claims. A low premium loses its value fast if the policy leaves you underinsured or the insurer is slow to pay. “The most important thing to consider here is making sure you’re looking at equivalent coverages offered between the different providers,” cautioned Benjamin Bruinekool, principal at the Western Michigan Insurance Agency. Keep in mind that cost shouldn’t be the only determining factor to consider when shopping for a policy. How responsive a company is and the level of service it provides when you have a claim are critical. Service matters just as much once you actually file a claim. How responsive a company is, and how well it handles a claim when you’re relying on it, can outweigh a small difference in premium. “If the consumer is happy with their current provider when it comes to customer service and claims handling, then I would not advise switching for savings less than 15%,” said Bruinekool. Cheapest car insurance companies by state The state you live in has a dramatic impact on your car insurance costs. In each state, some insurers tend to offer more affordable rates than others. The table below highlights the cheapest insurance companies by state. StateCompanyAverage annual ratesAlaskaAllstate$2,354AlaskaGEICO$1,831AlaskaProgressive$1,832AlaskaState Farm$2,548AlaskaWestern National Insurance$2,928AlaskaUSAA*$1,572AlabamaAllstate$1,948AlabamaAuto-Owners$1,873AlabamaCountry Financial$2,083AlabamaFarmers$3,294AlabamaGEICO$1,546AlabamaNationwide$1,965AlabamaProgressive$2,503AlabamaSafeway Insurance$2,940AlabamaTravelers$1,650AlabamaUSAA*$1,561ArkansasAlfa Insurance$4,008ArkansasAllstate$3,798ArkansasAuto-Owners$2,580ArkansasFarmers$2,760ArkansasGEICO$1,918ArkansasNationwide$2,681ArkansasProgressive$3,619ArkansasShelter Insurance$1,934ArkansasSouthern Farm Bureau$3,190ArizonaAllstate$2,867ArizonaFarmers$3,016ArizonaGEICO$1,932ArizonaProgressive$3,193ArizonaTravelers$1,734ArizonaUSAA*$1,845CaliforniaAllstate$4,032CaliforniaAuto Club Enterprises (AAA)$3,559CaliforniaCSAA Insurance (AAA)$2,877CaliforniaFarmers$4,486CaliforniaGEICO$2,039CaliforniaMercury Insurance$2,786CaliforniaNationwide$4,164CaliforniaProgressive$3,013CaliforniaState Farm$4,171ColoradoAllstate$3,938ColoradoAmerican National$1,496ColoradoAuto-Owners$4,211ColoradoCalifornia Casualty$3,153ColoradoFarmers$4,068ColoradoGEICO$2,546ColoradoProgressive$2,695ColoradoSouthern Farm Bureau$3,278ColoradoState Farm$4,217ColoradoUSAA*$2,208ConnecticutAllstate$3,053ConnecticutAmica$3,324ConnecticutFarmers$3,554ConnecticutGEICO$1,621ConnecticutKemper$1,861ConnecticutNationwide$2,684ConnecticutProgressive$3,323ConnecticutState Farm$3,620ConnecticutUSAA*$1,634Washington, D.C.Allstate$4,827Washington, D.C.Chubb$3,300Washington, D.C.GEICO$1,991Washington, D.C.Progressive$4,346Washington, D.C.State Farm$4,908Washington, D.C.USAA*$1,418DelawareAllstate$4,825DelawareDairyland$6,579DelawareDonegal Insurance$4,087DelawareGEICO$1,864DelawareNationwide$2,165DelawareProgressive$2,620DelawareState Farm$3,110DelawareTravelers$1,786DelawareUSAA*$1,863FloridaAIG$6,137FloridaAllstate$5,064FloridaGEICO$2,974FloridaMercury Insurance$3,643FloridaProgressive$5,676FloridaState Farm$2,758FloridaTravelers$2,448FloridaUAIC$2,837GeorgiaAllstate$2,271GeorgiaAuto-Owners$2,231GeorgiaGEICO$2,227GeorgiaMercury Insurance$3,467GeorgiaProgressive$1,807GeorgiaSafeway Insurance$4,119GeorgiaUSAA*$1,716HawaiiAllstate$2,389HawaiiFarmers$1,729HawaiiGEICO$1,296HawaiiIsland Insurance$1,936HawaiiProgressive$1,332HawaiiState Farm$2,478HawaiiUSAA*$1,140IowaAllstate$3,047IowaAuto-Owners$2,245IowaFarmers$2,693IowaGEICO$1,923IowaIMT Insurance$2,334IowaIowa Farm Bureau$3,195IowaProgressive$1,930IowaWest Bend Insurance Company$2,326IdahoAllstate$2,536IdahoAuto-Owners$1,661IdahoDairyland$2,885IdahoFarm Bureau Insurance of Idaho$2,225IdahoFarmers$1,723IdahoGEICO$1,360IdahoNationwide$1,811IdahoState Farm$1,313IdahoTravelers$1,626IllinoisAllstate$2,851IllinoisAuto Club Group (AAA)$1,648IllinoisAuto-Owners$1,978IllinoisCountry Financial$2,374IllinoisErie Insurance$2,156IllinoisGEICO$1,524IllinoisNationwide$1,900IllinoisProgressive$1,699IllinoisTravelers$1,428IndianaAllstate$2,679IndianaAuto-Owners$1,901IndianaFarmers$2,440IndianaGEICO$1,192IndianaIndiana Farm Bureau$2,782IndianaIndiana Farmers Insurance$2,203IndianaProgressive$1,486IndianaTravelers$1,457IndianaUSAA*$911KansasAllstate$3,595KansasFarmers$2,021KansasGEICO$1,936KansasIowa Farm Bureau$4,263KansasProgressive$2,031KansasShelter Insurance$2,349KansasState Farm$3,101KansasTravelers$1,834KansasUSAA*$1,394KentuckyAllstate$3,866KentuckyAuto-Owners$2,550KentuckyGEICO$2,323KentuckyKentucky Farm Bureau Insurance$3,094KentuckyNationwide$2,757KentuckyProgressive$2,779KentuckyShelter Insurance$2,061KentuckyState Farm$2,814KentuckyTravelers$1,828LouisianaAuto Club Enterprises (AAA)$4,756LouisianaFarmers$4,531LouisianaGEICO$3,391LouisianaLouisiana Farm Bureau Insurance$5,059LouisianaProgressive$5,206LouisianaSafeway Insurance$4,609LouisianaSouthern Farm Bureau$2,230LouisianaUSAA*$2,456MassachusettsAllstate$3,361MassachusettsAmica$2,404MassachusettsArbella Insurance$2,693MassachusettsFarmers$2,782MassachusettsGEICO$1,841MassachusettsN&D Group$2,329MassachusettsPlymouth Rock Assurance$1,646MassachusettsProgressive$2,170MassachusettsSafety Insurance$2,435MassachusettsTravelers$2,761MarylandAllstate$3,455MarylandErie Insurance$2,139MarylandGEICO$1,561MarylandNationwide$1,986MarylandProgressive$2,445MarylandState Farm$2,147MarylandTravelers$1,945MarylandUSAA*$1,313MaineAllstate$1,889MaineAuto-Owners$1,639MaineFarmers$2,306MaineGEICO$1,364MaineMMG Insurance$2,073MaineProgressive$1,827MaineState Farm$2,389MaineTravelers$977MichiganAuto-Owners$2,868MichiganFrankenmuth Insurance$5,197MichiganGEICO$1,971MichiganProgressive$2,946MichiganState Farm$4,323MichiganThe Hanover$7,837MinnesotaAllstate$3,129MinnesotaAuto Club Group (AAA)$2,129MinnesotaAuto-Owners$2,243MinnesotaGEICO$3,397MinnesotaNationwide$2,597MinnesotaNorth Star Mutual$3,181MinnesotaState Farm$2,332MinnesotaTravelers$1,837MissouriAuto Club Enterprises (AAA)$2,980MissouriAuto-Owners$1,825MissouriGEICO$1,952MissouriMissouri Farm Bureau Insurance$2,772MissouriNationwide$2,814MissouriShelter Insurance$1,923MissouriTravelers$1,692MissouriUSAA*$1,273MississippiAllstate$3,002MississippiGEICO$2,667MississippiNationwide$2,092MississippiProgressive$2,545MississippiSafeway Insurance$3,711MississippiShelter Insurance$2,147MississippiSouthern Farm Bureau$2,918MississippiTravelers$1,779MississippiUSAA*$1,410MontanaAllstate$3,341MontanaFarmers$2,856MontanaGEICO$2,858MontanaNationwide$2,167MontanaProgressive$2,775MontanaState Farm$2,058MontanaUSAA*$1,274North CarolinaAllstate$4,342North CarolinaGEICO$3,111North CarolinaNationwide$2,486North CarolinaNorth Carolina Farm Bureau Insurance$2,719North CarolinaPenn National Insurance$2,713North CarolinaProgressive$1,460North CarolinaState Farm$1,653North DakotaAllstate$2,892North DakotaAmerican Family$2,614North DakotaAuto-Owners$2,315North DakotaGEICO$1,978North DakotaNodak Insurance$2,394North DakotaNorth Star Mutual$2,610North DakotaProgressive$2,190North DakotaState Farm$2,514NebraskaAllstate$2,602NebraskaAuto-Owners$1,626NebraskaFarmers Mutual of Nebraska$1,625NebraskaGEICO$2,653NebraskaIowa Farm Bureau$4,149NebraskaProgressive$2,389NebraskaShelter Insurance$2,152NebraskaUSAA*$1,563New HampshireAllstate$1,920New HampshireAuto-Owners$1,470New HampshireFarmers$2,656New HampshireGEICO$1,216New HampshireMMG Insurance$1,606New HampshireNationwide$1,480New HampshireProgressive$1,548New HampshireSafety Insurance$1,587New HampshireState Farm$2,307New JerseyAllstate$3,311New JerseyFarmers$2,726New JerseyGEICO$2,597New JerseyNJM$2,373New JerseyPlymouth Rock Assurance$4,534New JerseyProgressive$3,069New JerseyState Farm$3,997New JerseyTravelers$2,522New MexicoAllstate$2,958New MexicoCentral Insurance$2,122New MexicoFarmers$3,103New MexicoGEICO$1,518New MexicoIowa Farm Bureau$3,785New MexicoKemper$3,528New MexicoNationwide$2,220New MexicoProgressive$2,845New MexicoUSAA*$1,115NevadaAllstate$4,354NevadaCSAA Insurance (AAA)$4,330NevadaFarmers$4,281NevadaGEICO$2,540NevadaKey Insurance Company$6,064NevadaProgressive$4,069NevadaState Farm$3,889NevadaTravelers$2,206New YorkAllstate$2,909New YorkGEICO$2,341New YorkNYCM Insurance$2,049New YorkPreferred Mutual$2,403New YorkProgressive$1,258New YorkState Farm$2,978New YorkThe Hanover$3,514New YorkTravelers$3,599OhioAllstate$1,914OhioAuto-Owners$1,697OhioErie Insurance$1,610OhioFarmers$2,214OhioGrange Insurance$1,512OhioTravelers$1,555OhioWestfield Insurance$1,993OklahomaAFR Insurance$3,240OklahomaAllstate$3,536OklahomaEquity Insurance$4,997OklahomaFarmers$3,278OklahomaGEICO$2,194OklahomaMercury Insurance$2,760OklahomaOklahoma Farm Bureau$3,990OklahomaProgressive$2,241OklahomaShelter Insurance$2,350OklahomaUSAA*$1,546OregonCountry Financial$2,388OregonFarmers$2,655OregonGEICO$2,041OregonNationwide$1,912OregonProgressive$1,539OregonState Farm$2,194OregonTravelers$1,690PennsylvaniaAllstate$2,484PennsylvaniaErie Insurance$2,044PennsylvaniaGEICO$2,403PennsylvaniaProgressive$2,884PennsylvaniaState Farm$2,722PennsylvaniaTravelers$1,770PennsylvaniaWestfield Insurance$2,401PennsylvaniaUSAA*$1,951Rhode IslandAllstate$3,195Rhode IslandAmerican Family$2,904Rhode IslandAmica$3,132Rhode IslandFarmers$3,864Rhode IslandGEICO$2,906Rhode IslandNationwide$3,073Rhode IslandProgressive$2,523Rhode IslandState Farm$2,288Rhode IslandTravelers$2,124South CarolinaAllstate$2,701South CarolinaAuto-Owners$1,731South CarolinaDairyland$4,790South CarolinaGEICO$2,440South CarolinaProgressive$2,632South CarolinaState Farm$3,278South CarolinaTravelers$2,193South CarolinaUSAA*$1,949South DakotaAllstate$2,336South DakotaAuto-Owners$2,895South DakotaFarmers$2,890South DakotaFarmers Mutual of Nebraska$1,504South DakotaGEICO$3,061South DakotaIowa Farm Bureau$4,212South DakotaNationwide$2,547South DakotaNorth Star Mutual$2,812South DakotaProgressive$2,270South DakotaState Farm$2,551TennesseeAllstate$3,152TennesseeAuto-Owners$1,907TennesseeErie Insurance$2,142TennesseeFarm Bureau Insurance of Tennessee$2,146TennesseeFarmers$2,303TennesseeGEICO$1,686TennesseeNationwide$2,411TexasAllstate$4,484TexasAuto Club Enterprises (AAA)$3,398TexasFarmers$6,136TexasGEICO$2,625TexasIncline Insurance$1,638TexasProgressive$3,105TexasState Farm$2,445TexasUSAA*$2,076UtahAllstate$2,919UtahAuto-Owners$2,097UtahDairyland$2,059UtahFarmers$2,967UtahGEICO$1,550UtahIowa Farm Bureau$3,143UtahProgressive$2,260UtahState Farm$4,472UtahUnited Insurance Co$2,590UtahUSAA*$1,354VirginiaAllstate$2,310VirginiaErie Insurance$1,733VirginiaGEICO$1,623VirginiaProgressive$2,660VirginiaState Farm$2,532VirginiaTravelers$1,403VirginiaVirginia Farm Bureau Insurance$1,240VirginiaUSAA*$1,180VermontAllstate$1,667VermontAuto-Owners$1,801VermontCo-operative Insurance Companies$1,661VermontGEICO$1,616VermontNationwide$1,599VermontState Farm$1,513VermontVermont Mutual$1,857WashingtonAllstate$2,618WashingtonFarmers$2,217WashingtonGEICO$2,033WashingtonNationwide$2,563WashingtonPEMCO$2,415WashingtonProgressive$2,557WashingtonState Farm$2,559WashingtonTravelers$2,154WisconsinAcuity Insurance$2,994WisconsinAllstate$2,916WisconsinAuto-Owners$2,379WisconsinErie Insurance$1,926WisconsinFarmers$2,834WisconsinGEICO$1,607WisconsinNationwide$1,824WisconsinRural Mutual Insurance$1,983WisconsinWest Bend Insurance Company$2,637West VirginiaAllstate$3,765West VirginiaErie Insurance$2,096West VirginiaFarmers$2,805West VirginiaGEICO$1,907West VirginiaProgressive$2,530West VirginiaUSAA*$1,453WyomingAllstate$3,184WyomingAmerican National$1,271WyomingFarmers$1,607WyomingGEICO$3,222WyomingState Farm$1,642WyomingUSAA*$1,439 *USAA is only available to military community members and their families.Powered by: What to read next How to buy cheap car insurance for a new car Most and least expensive convertibles to insure Cheapest high-performance cars to insure Average car insurance rates by age and gender Who should be listed on your car insurance policy? Car insurance rates by ZIP code The most expensive and cheapest cars to insure in 2026 Car insurance mileage brackets: How your annual mileage affects your premiums Car insurance estimate by model 2026 Most and least expensive trucks to insure in 2026 The most and least expensive states for car insurance Factors that affect your car insurance rates What is car insurance? A simple guide to how coverage works and what you need Average car insurance cost in 2026 How much does car insurance cost a month in 2026? Car insurance for women Compare and shop auto insurance Show more Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Cheapest car insurance companies by driving record Across speeding tickets, at-fault accidents, and DUI convictions, Travelers consistently comes out as one of the cheapest options for high-risk drivers. Rates still vary by violation type and insurer, so make sure to compare quotes from multiple insurance companies. Which insurers offer the cheapest rates after a speeding ticket? Travelers, USAA, and GEICO offer the lowest average rates for drivers with a speeding ticket on their record. A speeding violation usually bumps up your premium, but the size of that increase varies by insurer. CompanyAverage annual premium before a speeding ticketAverage annual premium after a speeding ticketAllstate$3,159$4,025Farmers$3,207$4,431GEICO$2,159$3,426Nationwide$2,524$4,247Progressive$2,569$3,436State Farm$2,875$3,497Travelers$1,962$2,801USAA*$1,628$1,955 *USAA is only available to military community members and their families.Powered by: Which insurers offer the cheapest rates after a DUI conviction? A DUI conviction can more than double your premium, but Travelers, USAA, and Progressive tend to offer the lowest average rates of the insurers we analyzed. Because no two insurers penalize a DUI the same way, comparing quotes after a conviction is one of the few ways to claw back real savings. CompanyAverage annual premium before a DUIAverage annual premium after a DUIAllstate$3,159$5,513Farmers$3,207$5,455GEICO$2,159$5,321Nationwide$2,524$6,276Progressive$2,569$3,486State Farm$2,875$4,972Travelers$1,962$2,933USAA*$1,628$3,130 *USAA is only available to military community members and their families.Powered by: Which insurers offer the cheapest rates after an at-fault accident? Drivers with an at-fault accident generally face higher premiums, but Travelers, USAA, and State Farm offer the lowest average rates after a crash. Accident surcharges vary considerably by insurer, so comparing quotes at renewal can help you find more affordable coverage. CompanyAverage annual premium before an accidentAverage annual premium after an accidentAllstate$3,159$5,589Farmers$3,207$5,823GEICO$2,159$3,872Nationwide$2,524$4,359Progressive$2,569$4,061State Farm$2,875$3,634Travelers$1,962$2,823USAA*$1,628$2,490 *USAA is only available to military community members and their families.Powered by: How can young drivers find affordable car insurance? Young drivers pay significantly more for car insurance than any other age group, with teens averaging $8,045 a year, more than three times what adults pay. That’s because insurers see less-experienced drivers as statistically more likely to be in an accident, so they charge higher premiums to offset that risk. Rates drop steadily as drivers gain experience. By the time drivers reach their mid-20s, premiums fall by roughly half, and they continue declining into adulthood as a clean driving record builds up. Age groupAverage annual premiumTeens (16–19)$8,045Young adults (20–24)$4,051Adults (25–60)$2,575Seniors (65–75)$2,531 Powered by: How young drivers can lower their premiums Stay on a parent’s policy. Being added to a parent or guardian’s existing policy is almost always cheaper than buying a separate one. Ask about good student discounts. Many insurers offer a discount for students who maintain a B grade. Take a defensive driving course. Completing an approved course can qualify young drivers for a discount in many states. Choose a safer, cheaper car. Insurance costs are also based on the vehicle itself, so a car with strong safety ratings and a lower repair cost can help offset high-risk pricing. Maintain a clean driving record. Avoiding tickets and accidents is the fastest way for a young driver’s rate to come down over time. Compare quotes across insurers. Rates for young drivers vary a lot by company, so shopping around can lead to meaningful savings. Choose the right first car The year, make, and model of a car plays a big role in determining premiums. Since coverage for teens and young adults is already expensive, it’s worth avoiding cars with higher premiums. Luxury and exotic cars can come with sky-high rates, while cars like the Honda CR-V have some of the lowest premiums. What car insurance discounts can lower your premium? Good student, anti-theft, bundling and telematics discounts are the most popular ones to lower your premium with, but depending on your profession or payment method — you could be eligible for even more discounts. “Ask about any discounts that are available, not just what they have applied,” advises Bruinekool. “Oftentimes, there are discounts you qualify for that were not applied because the information did not come up [initially].” Common discounts include: Good student discounts: High school and college students who maintain a B grade or better may qualify for a lower premium Anti-theft discounts: Installing anti-theft devices or a security system can earn you a discount, since they lower the risk of theft Multi-policy discounts: Bundling auto insurance with homeowners, renters, or other policies from the same company can significantly cut costs Telematics discounts: Many insurers offer programs that track your driving habits through an app or device, rewarding safe drivers with substantial savings What our expert says Q: Why it’s important to shop around for car insurance coverage Benjamin BruinekoolPrincipal at the Western Michigan Insurance Agency The most important thing to consider here is making sure you're looking at equivalent coverages offered between the different providers. Frequently asked questions What’s the best way to compare car insurance rates? Get quotes from multiple insurance companies to compare rates effectively. Generally, it’s easiest to use a tool, like the one available through Insure, to gather quotes from multiple companies quickly. Is there any disadvantage to choosing the cheapest insurance? Although the cheapest insurance policy might suit your budget, it might not offer enough financial protection. Make sure to get the coverage you need in a policy. How to get the best deal on car insurance “To find the cheapest car insurance, start by maintaining a good driving record, which is crucial as accidents or violations can significantly increase premiums. Also, consider increasing your deductible and bundling auto with another policy for potential savings,” says Christian Strange, owner of Strange Insurance Agency. “Beyond cost, check the insurer’s reliability in claims handling. I’ve seen cases where cheaper policies led to frustrations due to poor service,” he says. “To truly safeguard your interests, understand the policy’s details, especially the liability limits. This ensures you’re covered against significant financial loss.” Resources & Methodology Sources: Insurance Information Institute. “What determines the price of my auto insurance policy?” Accessed July 2026. Methodology The rates are based on the sample profile of a 40-year-old male and female driver for different coverage limits. Full coverage policy with limits 100/300/100 and a $500 coll/comp deductible. A liability-only policy with limits 50/100/50. Minimum liability policy with state-specific limits. We have gathered data based on different driving profiles, including- Teen drivers (Age: 16-19) Senior drivers (Age: 65-75) Drivers with a DUI Drivers with a speeding ticket Drivers with an at-fault accident on their record. Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Which car insurance companies offer the cheapest rates overall?Is the cheapest car insurance company always the best choice?Cheapest car insurance companies by stateCheapest car insurance companies by driving recordHow can young drivers find affordable car insurance?What car insurance discounts can lower your premium?What our expert saysFrequently asked questionsResources & MethodologyMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453