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Cheap auto insurance: Average rates by company for every state

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.

Here is how major car insurance companies ranked on price for a full coverage policy:

  • Geico: $901
  • Nationwide/Allied; $1,227
  • State Farm: $1,313
  • Farmers: $1, 351
  • Progressive: $1,415
  • Allstate: $1,758

Who has cheap car 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:

Enter your state in the search field to see average rates by company.

StateCompanyAverage annual rate
Alaska State Farm $979
Alaska Geico $1,075
Alaska Progressive $1,080
Alaska Allstate $1,304
Alabama Geico $759
Alabama Mid Century $1,172
Alabama Nationwide $1,197
Alabama Allstate $1,257
Alabama State Farm $1,572
Alabama Progressive $1,840
Arkansas Geico $980
Arkansas State Farm $1,165
Arkansas Farmers $1,176
Arkansas Nationwide $1,483
Arkansas Progressive $1,594
Arkansas Allstate $1,821
Arizona Geico $977
Arizona Progressive $1,047
Arizona Farmers $1,195
Arizona State Farm $1,392
Arizona Nationwide $1,719
Arizona Allstate $1,807
California Geico $944
California United Financial $1,128
California Nationwide $1,379
California Nationwide $1,756
California Farmers $1,932
California State Farm $1,967
Colorado Geico $813
Colorado State Farm $1,241
Colorado Farmers $1,516
Colorado Progressive $1,559
Colorado Allstate $1,889
Connecticut Geico $946
Connecticut Nationwide $1,254
Connecticut State Farm $1,463
Connecticut Progressive $2,026
Connecticut Allstate $2,462
Connecticut Foremost $2,478
DC Geico $713
DC Progressive $1,496
DC State Farm $1,518
DC Nationwide $1,977
DC Allstate $2,913
Delaware Geico $1,134
Delaware Progressive $1,333
Delaware Nationwide $1,492
Delaware State Farm $1,872
Delaware Allstate $2,398
Florida Geico $1,192
Florida State Farm $1,611
Florida Progressive $1,754
Florida 21st Century Centennial $1,972
Florida Allstate $2,584
Georgia Geico $762
Georgia Nationwide $1,303
Georgia State Farm $1,372
Georgia Progressive $1,563
Georgia Allstate $1,701
Hawaii Geico $857
Hawaii State Farm $1,023
Hawaii Allstate $1,389
Hawaii Progressive $1,646
Hawaii Farmers $2,376
Iowa Amco Ins Co $645
Iowa Geico $693
Iowa Farmers $933
Iowa State Farm $945
Iowa Progressive $1,286
Iowa Allstate $1,589
Idaho Geico $713
Idaho Farmers $800
Idaho State Farm $845
Idaho Progressive $848
Idaho Depositors Ins Co $863
Idaho Allstate $1,577
Illinois Geico $590
Illinois Amco Ins Co $678
Illinois State Farm $1,011
Illinois Illinois Farmers $1,170
Illinois Progressive $1,193
Illinois Allstate $1,375
Indiana Geico $651
Indiana Illinois Farmers $748
Indiana Progressive $854
Indiana Nationwide $866
Indiana State Farm $1,095
Indiana Allstate $1,569
Kansas Nationwide $814
Kansas Geico $823
Kansas State Farm $1,166
Kansas Farmers $1,249
Kansas Progressive $1,682
Kansas Allstate $1,718
Kentucky Geico $881
Kentucky Nationwide $1,631
Kentucky Progressive $1,693
Kentucky State Farm $1,734
Kentucky Allstate $2,822
Louisiana Geico $1,540
Louisiana State Farm $2,023
Louisiana Allstate $2,316
Louisiana Progressive $2,881
Massachusetts Geico $865
Massachusetts State Farm $884
Massachusetts Progressive $1,272
Massachusetts Allstate $1,742
Maryland Progressive $1,102
Maryland Nationwide $1,114
Maryland Geico $1,199
Maryland State Farm $1,357
Maryland Allstate $2,177
Maine Geico $517
Maine State Farm $948
Maine Progressive $1,025
Maine Allstate $1,212
Michigan Geico $1,027
Michigan Progressive $1,714
Michigan Titan $2,177
Michigan Allstate $2,849
Michigan State Farm $3,135
Michigan Farmers $3,999
Minnesota Geico $935
Minnesota Illinois Farmers $1,030
Minnesota Allied $1,188
Minnesota State Farm $1,190
Minnesota Progressive $1,295
Minnesota Allstate $1,483
Missouri Allied $724
Missouri Geico $800
Missouri Farmers $1,051
Missouri State Farm $1,279
Missouri Progressive $1,303
Missouri Allstate $1,769
Mississippi Geico $894
Mississippi Nationwide $1,184
Mississippi Progressive Gulf Ins Co $1,268
Mississippi State Farm $1,353
Mississippi Allstate $1,917
Montana Geico $848
Montana Progressive $1,112
Montana State Farm $1,149
Montana Depositors $1,238
Montana Mid Century $1,244
Montana Allstate $1,753
North Carolina Progressive $622
North Carolina Geico $704
North Carolina State Farm $845
North Carolina Farmers $1,046
North Carolina Nationwide $1,071
North Carolina Nationwide $1,205
North Carolina Allstate $1,230
North Dakota Allied $753
North Dakota Geico $897
North Dakota Progressive $1,047
North Dakota State Farm $1,132
North Dakota Allstate $1,502
North Dakota Mid Century $2,560
Nebraska Allied $711
Nebraska Geico $978
Nebraska State Farm $1,003
Nebraska Mid Century $1,192
Nebraska Allstate $1,393
Nebraska Progressive $1,403
New Hampshire Geico $550
New Hampshire Nationwide $867
New Hampshire State Farm $1,036
New Hampshire Progressive $1,465
New Hampshire Allstate $1,588
New Jersey 21st Century Centennial $762
New Jersey Geico $1,104
New Jersey Progressive $1,255
New Jersey Allstate NJ $1,761
New Jersey State Farm $1,847
New Mexico Geico $894
New Mexico Progressive $998
New Mexico State Farm $1,177
New Mexico Farmers $1,251
New Mexico Allstate $1,948
Nevada Geico $1,342
Nevada Mid Century $1,537
Nevada Progressive $1,663
Nevada State Farm $1,726
Nevada Victoria $1,955
Nevada Allstate $2,256
New York Geico $993
New York Progressive $1,160
New York Allstate $1,587
New York State Farm $1,855
New York Nationwide $2,098
New York Foremost $2,858
Ohio Geico $619
Ohio State Farm $881
Ohio Farmers $887
Ohio Progressive $999
Ohio Nationwide $1,015
Ohio Allstate $1,310
Oklahoma Geico $1,050
Oklahoma Farmers $1,327
Oklahoma State Farm $1,416
Oklahoma Allstate $1,918
Oklahoma Progressive $2,506
Oregon Geico $933
Oregon State Farm $1,043
Oregon Nationwide $1,121
Oregon Progressive $1,238
Oregon Farmers $1,594
Oregon Allstate $1,656
Pennsylvania Geico $703
Pennsylvania Nationwide $711
Pennsylvania State Farm $1,284
Pennsylvania Allstate $1,729
Pennsylvania Progressive $3,183
Rhode Island State Farm $1,132
Rhode Island Geico $1,292
Rhode Island Nationwide $1,678
Rhode Island Progressive $2,092
Rhode Island Allstate $2,246
South Carolina Geico $1,050
South Carolina Allstate $1,178
South Carolina Nationwide $1,200
South Carolina Progressive $1,359
South Carolina State Farm $1,511
South Dakota Geico $708
South Dakota Nationwide $938
South Dakota Mid Century $982
South Dakota State Farm $1,052
South Dakota Progressive $1,110
South Dakota Allstate $1,562
Tennessee Geico $764
Tennessee Nationwide $796
Tennessee State Farm $1,131
Tennessee Progressive $1,223
Tennessee Mid Century $1,576
Tennessee Allstate $1,794
Texas Farmers $905
Texas Geico $1,027
Texas Colonial $1,247
Texas Progressive $1,328
Texas State Farm $1,348
Texas Allstate $1,949
Utah Geico $684
Utah Mid Century $1,016
Utah Allied $1,119
Utah Allstate $1,353
Utah Progressive $1,503
Utah State Farm $1,518
Virginia Nationwide $744
Virginia Geico $894
Virginia State Farm $969
Virginia Allstate $1,102
Virginia Progressive $1,150
Vermont Geico $485
Vermont Nationwide $789
Vermont Progressive $1,103
Vermont Allstate $1,183
Vermont State Farm $1,255
Washington Nationwide $1,028
Washington Geico $1,075
Washington Progressive $1,092
Washington State Farm $1,160
Washington Farmers $1,335
Washington Allstate $1,455
Wisconsin Geico $663
Wisconsin State Farm $914
Wisconsin Mid Century $1,021
Wisconsin Artisan $1,176
Wisconsin Allstate $1,484
Wisconsin Nationwide $2,851
West Virginia Geico $1,149
West Virginia Progressive $1,238
West Virginia State Farm $1,309
West Virginia Nationwide $1,327
West Virginia Allstate $1,853
Wyoming State Farm $1,128
Wyoming Geico $1,287
Wyoming Farmers $1,688
Wyoming Allstate $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.

Tips for buying cheap car insurance

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:

  1. Shop around at least once a year, if not at every six-month renewal period.
  2. 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.
  3. Keep continual auto insurance coverage. A gap in coverage is looked down on my insurers and will hike up your rates. If you go without a car for a period of time, opt for a non-owners auto policy during that time.
  4. 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 insurance because rates should fall as your credit gets better.
  5. 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.
  6. 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.

Bottom line: Don’t forget to compare quotes from best car insurance companies by filling out the information in the form below. 

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