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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:

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$979
AlaskaGeico$1,075
AlaskaProgressive$1,080
AlaskaAllstate$1,304
AlabamaGeico$759
AlabamaMid Century$1,172
AlabamaNationwide$1,197
AlabamaAllstate$1,257
AlabamaState Farm$1,572
AlabamaProgressive$1,840
ArkansasGeico$980
ArkansasState Farm$1,165
ArkansasFarmers$1,176
ArkansasNationwide$1,483
ArkansasProgressive$1,594
ArkansasAllstate$1,821
ArizonaGeico$977
ArizonaProgressive$1,047
ArizonaFarmers$1,195
ArizonaState Farm$1,392
ArizonaNationwide$1,719
ArizonaAllstate$1,807
CaliforniaGeico$944
CaliforniaUnited Financial$1,128
CaliforniaNationwide$1,379
CaliforniaNationwide$1,756
CaliforniaFarmers$1,932
CaliforniaState Farm$1,967
ColoradoGeico$813
ColoradoState Farm$1,241
ColoradoFarmers$1,516
ColoradoProgressive$1,559
ColoradoAllstate$1,889
ConnecticutGeico$946
ConnecticutNationwide$1,254
ConnecticutState Farm$1,463
ConnecticutProgressive$2,026
ConnecticutAllstate$2,462
ConnecticutForemost$2,478
DCGeico$713
DCProgressive$1,496
DCState Farm$1,518
DCNationwide$1,977
DCAllstate$2,913
DelawareGeico$1,134
DelawareProgressive$1,333
DelawareNationwide$1,492
DelawareState Farm$1,872
DelawareAllstate$2,398
FloridaGeico$1,192
FloridaState Farm$1,611
FloridaProgressive$1,754
Florida21st Century Centennial$1,972
FloridaAllstate$2,584
GeorgiaGeico$762
GeorgiaNationwide$1,303
GeorgiaState Farm$1,372
GeorgiaProgressive$1,563
GeorgiaAllstate$1,701
HawaiiGeico$857
HawaiiState Farm$1,023
HawaiiAllstate$1,389
HawaiiProgressive$1,646
HawaiiFarmers$2,376
IowaAmco Ins Co$645
IowaGeico$693
IowaFarmers$933
IowaState Farm$945
IowaProgressive$1,286
IowaAllstate$1,589
IdahoGeico$713
IdahoFarmers$800
IdahoState Farm$845
IdahoProgressive$848
IdahoDepositors Ins Co$863
IdahoAllstate$1,577
IllinoisGeico$590
IllinoisAmco Ins Co$678
IllinoisState Farm$1,011
IllinoisIllinois Farmers$1,170
IllinoisProgressive$1,193
IllinoisAllstate$1,375
IndianaGeico$651
IndianaIllinois Farmers$748
IndianaProgressive$854
IndianaNationwide$866
IndianaState Farm$1,095
IndianaAllstate$1,569
KansasNationwide$814
KansasGeico$823
KansasState Farm$1,166
KansasFarmers$1,249
KansasProgressive$1,682
KansasAllstate$1,718
KentuckyGeico$881
KentuckyNationwide$1,631
KentuckyProgressive$1,693
KentuckyState Farm$1,734
KentuckyAllstate$2,822
LouisianaGeico$1,540
LouisianaState Farm$2,023
LouisianaAllstate$2,316
LouisianaProgressive$2,881
MassachusettsGeico$865
MassachusettsState Farm$884
MassachusettsProgressive$1,272
MassachusettsAllstate$1,742
MarylandProgressive$1,102
MarylandNationwide$1,114
MarylandGeico$1,199
MarylandState Farm$1,357
MarylandAllstate$2,177
MaineGeico$517
MaineState Farm$948
MaineProgressive$1,025
MaineAllstate$1,212
MichiganGeico$1,027
MichiganProgressive$1,714
MichiganTitan$2,177
MichiganAllstate$2,849
MichiganState Farm$3,135
MichiganFarmers$3,999
MinnesotaGeico$935
MinnesotaIllinois Farmers$1,030
MinnesotaAllied$1,188
MinnesotaState Farm$1,190
MinnesotaProgressive$1,295
MinnesotaAllstate$1,483
MissouriAllied$724
MissouriGeico$800
MissouriFarmers$1,051
MissouriState Farm$1,279
MissouriProgressive$1,303
MissouriAllstate$1,769
MississippiGeico$894
MississippiNationwide$1,184
MississippiProgressive Gulf Ins Co$1,268
MississippiState Farm$1,353
MississippiAllstate$1,917
MontanaGeico$848
MontanaProgressive$1,112
MontanaState Farm$1,149
MontanaDepositors$1,238
MontanaMid Century$1,244
MontanaAllstate$1,753
North CarolinaProgressive$622
North CarolinaGeico$704
North CarolinaState Farm$845
North CarolinaFarmers$1,046
North CarolinaNationwide$1,071
North CarolinaNationwide$1,205
North CarolinaAllstate$1,230
North DakotaAllied$753
North DakotaGeico$897
North DakotaProgressive$1,047
North DakotaState Farm$1,132
North DakotaAllstate$1,502
North DakotaMid Century$2,560
NebraskaAllied$711
NebraskaGeico$978
NebraskaState Farm$1,003
NebraskaMid Century$1,192
NebraskaAllstate$1,393
NebraskaProgressive$1,403
New HampshireGeico$550
New HampshireNationwide$867
New HampshireState Farm$1,036
New HampshireProgressive$1,465
New HampshireAllstate$1,588
New Jersey21st Century Centennial$762
New JerseyGeico$1,104
New JerseyProgressive$1,255
New JerseyAllstate NJ$1,761
New JerseyState Farm$1,847
New MexicoGeico$894
New MexicoProgressive$998
New MexicoState Farm$1,177
New MexicoFarmers$1,251
New MexicoAllstate$1,948
NevadaGeico$1,342
NevadaMid Century$1,537
NevadaProgressive$1,663
NevadaState Farm$1,726
NevadaVictoria$1,955
NevadaAllstate$2,256
New YorkGeico$993
New YorkProgressive$1,160
New YorkAllstate$1,587
New YorkState Farm$1,855
New YorkNationwide$2,098
New YorkForemost$2,858
OhioGeico$619
OhioState Farm$881
OhioFarmers$887
OhioProgressive$999
OhioNationwide$1,015
OhioAllstate$1,310
OklahomaGeico$1,050
OklahomaFarmers$1,327
OklahomaState Farm$1,416
OklahomaAllstate$1,918
OklahomaProgressive$2,506
OregonGeico$933
OregonState Farm$1,043
OregonNationwide$1,121
OregonProgressive$1,238
OregonFarmers$1,594
OregonAllstate$1,656
PennsylvaniaGeico$703
PennsylvaniaNationwide$711
PennsylvaniaState Farm$1,284
PennsylvaniaAllstate$1,729
PennsylvaniaProgressive$3,183
Rhode IslandState Farm$1,132
Rhode IslandGeico$1,292
Rhode IslandNationwide$1,678
Rhode IslandProgressive$2,092
Rhode IslandAllstate$2,246
South CarolinaGeico$1,050
South CarolinaAllstate$1,178
South CarolinaNationwide$1,200
South CarolinaProgressive$1,359
South CarolinaState Farm$1,511
South DakotaGeico$708
South DakotaNationwide$938
South DakotaMid Century$982
South DakotaState Farm$1,052
South DakotaProgressive$1,110
South DakotaAllstate$1,562
TennesseeGeico$764
TennesseeNationwide$796
TennesseeState Farm$1,131
TennesseeProgressive$1,223
TennesseeMid Century$1,576
TennesseeAllstate$1,794
TexasFarmers$905
TexasGeico$1,027
TexasColonial$1,247
TexasProgressive$1,328
TexasState Farm$1,348
TexasAllstate$1,949
UtahGeico$684
UtahMid Century$1,016
UtahAllied$1,119
UtahAllstate$1,353
UtahProgressive$1,503
UtahState Farm$1,518
VirginiaNationwide$744
VirginiaGeico$894
VirginiaState Farm$969
VirginiaAllstate$1,102
VirginiaProgressive$1,150
VermontGeico$485
VermontNationwide$789
VermontProgressive$1,103
VermontAllstate$1,183
VermontState Farm$1,255
WashingtonNationwide$1,028
WashingtonGeico$1,075
WashingtonProgressive$1,092
WashingtonState Farm$1,160
WashingtonFarmers$1,335
WashingtonAllstate$1,455
WisconsinGeico$663
WisconsinState Farm$914
WisconsinMid Century$1,021
WisconsinArtisan$1,176
WisconsinAllstate$1,484
WisconsinNationwide$2,851
West VirginiaGeico$1,149
West VirginiaProgressive$1,238
West VirginiaState Farm$1,309
West VirginiaNationwide$1,327
West VirginiaAllstate$1,853
WyomingState Farm$1,128
WyomingGeico$1,287
WyomingFarmers$1,688
WyomingAllstate$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.

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.

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Michelle Megna
Contributor

 
  

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.