Top 10 Cheapest Car Insurance Companies for October 2024

COUNTRY Financial, NJM, and Auto-Owners offer the cheapest car insurance rates.

Julia Taliesin
Written byJulia Taliesin
Julia Taliesin
Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Chase Gardner
Data reviewed byChase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Updated October 29, 2024

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Cheapest recent rates

Drivers have found policies from Sun Coast, Aspire General, Progressive, and more, for rates as low as $36/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance costs are higher than ever; it’s not just in your head. Rates surged 15% in the first half of 2024, and Insurify projections predict a total increase of 22% by the end of the year.

The annual national average rate for full-coverage car insurance is now $2,531, leading more drivers to search for cheaper options. Some cut costs by finding discounts, increasing deductibles, or switching to liability-only car insurance, which has a lower national average rate of $1,252 per year.

State law requires drivers in every state except New Hampshire to have some coverage. Thankfully, if you compare car insurance quotes, you’ll find that many national and regional insurers have competitive rates.

Quick Facts
  • Auto-Owners has the cheapest liability-only quotes for drivers with an incident, at $41 monthly.

  • Auto-Owners has the cheapest minimum-coverage quotes for drivers with poor credit, at $56 monthly.

  • Liability-only car insurance is generally the cheapest type of coverage but offers less financial protection than full-coverage car insurance.

The 10 cheapest car insurance companies

The cheapest car insurance policy for you will depend on several factors, from the type of car you drive to your age. But some insurance companies offer significantly cheaper rates than others.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Liability Only
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Auto-Owners$358.5
GEICO$559.0
State Farm$559.3
Allstate$628.9
Root$648.4
Safeco$798.3
Progressive$798.4
National General$806.8
Nationwide$848.7
Dairyland$877.0
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

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Cheapest car insurance by state

Location is an important factor in car insurance costs. Population density, road and weather conditions, vehicle vandalism and theft rates, and claims filed by other drivers in your area can all affect your car insurance rate. Rates can vary significantly from state to state and between different ZIP codes in the same city.

Here are the average monthly quotes from the cheapest insurers in every state and Washington, D.C.

State
Cheapest Insurance Company
Liability Only
AlabamaUSAA$37
ArizonaAuto-Owners$47
ArkansasState Farm$30
CaliforniaMile Auto$60
ColoradoState Farm$47
ConnecticutState Farm$57
DelawareUSAA$55
FloridaState Farm$66
GeorgiaAuto-Owners$59
IdahoNational General$54
IllinoisAuto-Owners$29
IndianaAuto-Owners$27
IowaAuto-Owners$21
KansasRoot$63
KentuckyAuto-Owners$59
LouisianaState Farm$70
MaineUSAA$41
MarylandUSAA$101
MassachusettsSafeco$85
MichiganAuto-Owners$63
MinnesotaSafeco$63
MississippiState Farm$36
MissouriUSAA$29
NebraskaAuto-Owners$25
NevadaCOUNTRY Financial$34
New JerseyCSAA$88
New MexicoState Farm$32
New YorkCSAA$121
North CarolinaNationwide$41
OhioMile Auto$36
OklahomaState Farm$33
OregonMile Auto$59
PennsylvaniaState Farm451
South CarolinaUSAA$51
TennesseeState Farm$22
TexasState Farm$37
UtahUSAA$65
VirginiaAuto-Owners$36
WashingtonDirect Auto$50
Washington, D.C.GEICO$81
West VirginiaState Farm$33
WisconsinUSAA$22
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

*Alaska, Hawaii, Montana, New Hampshire, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming omitted due to insufficient data.

State
Cheapest Insurance Company
Full Coverage
AlabamaUSAA$71
ArizonaAuto-Owners$79
ArkansasState Farm$61
CaliforniaMile Auto$112
ColoradoState Farm$101
ConnecticutState Farm$96
DelawareUSAA$77
FloridaState Farm$83
GeorgiaAuto-Owners$94
IdahoProgressive$95
IllinoisAuto-Owners$52
IndianaAuto-Owners$53
IowaAuto-Owners$46
KansasRoot$112
KentuckyAuto-Owners$104
LouisianaState Farm$116
MaineProgressive$73
MarylandUSAA$154
MassachusettsSafeco$157
MichiganAuto-Owners$112
MinnesotaSafeco$121
MississippiState Farm$72
MissouriUSAA$56
NebraskaAuto-Owners$39
NevadaCOUNTRY Financial$55
New JerseyPlymouth Rock$140
New MexicoState Farm$64
New YorkCSAA$183
North CarolinaNationwide$63
OhioMile Auto$53
OklahomaState Farm$67
OregonMile Auto$72
PennsylvaniaMile Auto472
South CarolinaUSAA$90
TennesseeState Farm$44
TexasState Farm$67
UtahUSAA$96
VirginiaAuto-Owners$66
WashingtonDirect Auto$77
Washington, D.C.GEICO$148
West VirginiaState Farm$56
WisconsinUSAA$42
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

*Alaska, Hawaii, Montana, New Hampshire, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming omitted due to insufficient data.

Recent quotes for other Insurify users

Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $92/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest regional insurance companies

It’s well worth considering regional insurers when you’re looking for cheap car insurance rates. If you prefer to handle buying coverage one-on-one with an insurance agent, smaller companies may offer more personalized service and have more local knowledge than large insurers. Regional insurers are more limited and usually only offer policies in certain states, but depending on where you live, they may be the cheapest option.

These are the average liability-only and full-coverage car insurance quotes from the cheapest regional insurance companies.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Full Coverage
Liability Only
COUNTRY Financial$40$17
NJM$54$30
Erie$93$50
Mile Auto$101$56
Metromile$115$65
Mercury$161$81
American Family$167$75
Clearcover$179$94
Direct Auto$191$98
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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How to get the cheapest car insurance

You have several ways to get cheaper rates on your car insurance. Start with the strategies below.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare car insurance rates

    • Potential savings: 30%

    • Effort: Very low

    Different insurers may offer better coverage options for your driving habits, credit history, and lifestyle. Shopping around will help you find the best car insurance quote.

  • illustration card https://a.storyblok.com/f/162273/150x150/3b97fae014/money-96x96-blue_033-magnifying-glass.svg

    Apply for discounts

    • Potential savings: 2%–12%

    • Effort: Low

    Safe driver, good student, multi-car, and multi-policy discounts could lower your car insurance bill. You can also get a discount for bundling home (or renters) and auto policies with the same insurer, which often results in substantial savings.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Maintain a clean driving record

    • Potential savings: 34%

    • Effort: Moderate

    Practice safe driving habits by wearing your seat belt, using your turn signal, and avoiding speeding, tailgating, distracted driving, and hard braking. Keeping your driving record clean is the best way to qualify for lower rates.

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    Consider adjusting your coverage

    • Potential savings: 51%

    • Effort: Moderate

    If you’ve paid off your vehicle, dropping a full-coverage policy for liability-only insurance could save you a lot on premiums. You may also consider reducing your liability coverage to state-minimum limits. An Insurify survey found more than 5% of Americans have dropped full coverage and more than 12% have lowered their coverage limits to combat rising car insurance prices.

  • illustration card https://a.storyblok.com/f/162273/x/8368425876/safety-features.svg

    Equip your vehicle with safety features

    • Potential savings: 3%–40%

    • Effort: Moderate

    Improve your and your car’s safety with anti-theft systems, anti-lock brakes, and daytime running lights. Some insurers will reward you with discounts.

  • illustration card https://a.storyblok.com/f/162273/x/f4244fe878/low-mileage.svg

    Consider usage-based insurance

    • Potential savings: 34%

    • Effort: Moderate

    If you’re an infrequent or low-mileage driver, usage-based options like pay-as-you-go and pay-per-mile insurance may be the cheapest.

  • illustration card https://a.storyblok.com/f/162273/150x150/c766092b3a/banking-96x96-yellow_031-credit-card.svg

    Improve or maintain good credit

    • Potential savings: 9%–45%

    • Effort: High

    Paying off bills on time and avoiding maxing out your credit card can help improve your credit. In most states, insurers can consider your credit history when setting rates. Actuarial data shows a connection between a driver’s credit and their likelihood of filing claims.

What are the risks of getting the cheapest possible car insurance?

The biggest risk when getting the cheapest car insurance policy is that you might not buy enough coverage.

Liability insurance covers costs related to other people’s bodily injuries and property damage in a car accident you caused. Unlike full coverage, it doesn’t cover your property damage. You pay for 100% of the damage to your vehicle in an at-fault accident if you have liability-only insurance.

State-minimum coverage tends to have low limits, so only buying liability coverage will likely leave you exposed financially if an accident you cause results in high costs for the other driver. Drivers leasing or financing their cars will need to buy full coverage, as leasing companies and lenders require more than state-minimum or liability-only insurance.

Advice from the experts

Expert Insight

Mallory Mooney

Mallory Mooney

Director of Sales and Service

Drivers would want to consider more than just the lowest rate. They need to know insurers have the financial stability to pay claims and maintain steady rates that won’t jump around or increase significantly on renewal. In many industries, you get what you pay for. Insurance is no exception to this.

View less

Cheapest car insurance by driver profile

Insurers consider many different pieces of information about you — called “rating factors” — to determine your car insurance premium, including your age, gender (in most states), driving record, and more. These factors make up your driver profile, and rates can vary widely among drivers with different profiles.

Cheapest insurers for drivers with an incident

Having an incident on your record can raise your premium because insurers see that information as a risk factor for future accidents. Some insurance companies weigh certain incidents less heavily than others, so comparing quotes can help you find the best auto policy for you.

The cheapest overall insurers also tend to have the cheapest rates for drivers with incidents because their base rates are lower to begin with. Discounts, which aren’t reflected in quoted amounts, can also reduce rates significantly.

The cheapest national insurer for drivers with an incident is Auto-Owners. Its average monthly liability-only quotes are $42 for drivers with a speeding ticket, $44 for drivers with an at-fault accident, and $58 for drivers with a DUI.

The following table shows the cheapest insurers and their national average monthly liability-only rates for drivers with common infractions.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Speeding Ticket
At-Fault Accident
DUI
COUNTRY Financial$21$23$28
Auto-Owners$42$44$58
NJM$43$46$41
USAA$54$58$76
Erie$62$66$83
State Farm$64$68$91
GEICO$65$70$91
Mile Auto$71$78$92
Allstate$73$78$102
Metromile$86$91$107
Root$87$92$106
American Family$88$94$124
Progressive$93$102$130
Safeco$96$95$130
National General$96$102$132
Nationwide$101$108$139
CSAA$103$113$137
Dairyland$104$108$144
Travelers$107$114$147
Mercury$111$117$111
Clearcover$115$137$155
Direct Auto$116$129$162
State Auto$128$138$150
Farmers$131$140$185
The General$136$146$185
Chubb$136$142$183
Shelter$137$146$175
The Hartford$142$150$133
Bristol West$145$151$201
21st Century$146$153$190
Elephant$155$133$183
Commonwealth Casualty$162$139$191
GAINSCO$173$142$205
AssuranceAmerica$175$178$238
Foremost$191$199$226
Liberty Mutual$193$200$228
Amica$212$225$201
Infinity$232$220$299
Hugo$271$339$386
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest insurer for teen drivers: Auto-Owners

Companies consider teens riskier to insure because of their lack of experience and tendency toward risky driving behaviors. Most insurers offer discounts for being a good student and taking a driver’s education course.

Teens have the costliest premiums by age group, but if you keep a clean record, rates typically decrease once you turn 20 and continue decreasing from there, according to Insurify data. Insuring young drivers on an existing family policy could save you money and qualify you for a multi-vehicle discount.

Here are the average liability-only car insurance quotes from the cheapest companies for teen drivers insured on their own policy.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Monthly Quote
Auto-Owners$58
GEICO$78
Root$82
State Farm$92
Allstate$111
CSAA$125
Dairyland$134
Nationwide$144
Progressive$144
The General$162
State Auto$165
Travelers$166
National General$176
Safeco$178
Amica$197
Farmers$197
Bristol West$200
The Hartford$203
Chubb$225
Liberty Mutual$248
Foremost$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Keep Reading: What Are the Best Cars for Teens to Drive?

Keep Reading: What Are the Best Cars for Teens to Drive?

Cheapest insurer for senior drivers: Auto-Owners

Insurance premiums typically decrease as you age and gain driving experience. Rates start to rise for drivers in their 70s since vision, mobility, and coordination changes can increase the risk of accidents.

Shopping around can help you find the best policy since some insurers offer discounts for senior drivers. For example, with GEICO, senior drivers in 30 states can apply for a guaranteed renewal policy, so you don’t have to worry about an insurance company deciding not to renew.

Below are the average minimum-coverage quotes from the cheapest companies for senior drivers.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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Insurance Company
Average Monthly Quote
Auto-Owners$26
State Farm$40
GEICO$42
Progressive$48
Allstate$48
Root$53
Nationwide$56
National General$57
The Hartford$58
CSAA$60
State Auto$63
Travelers$66
Dairyland$67
Safeco$68
Chubb$71
Farmers$83
The General$90
Bristol West$95
Foremost$105
Amica$106
Liberty Mutual$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest insurer for drivers with bad credit: COUNTRY Financial

Insurance companies typically use information from your consumer credit reports to generate a proprietary credit-based insurance score. This score helps them estimate your likelihood of filing a car insurance claim.

Generally, negative information in your credit history, like collections or overdue balances, can lower your credit-based insurance score and lead to higher car insurance rates.

Here are average monthly liability-only rates from top insurers for drivers with poor credit.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Chase Gardner
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Featured in

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Insurance Company
With Poor Credit
COUNTRY Financial$20
NJM$37
USAA$55
Auto-Owners$56
GEICO$62
Mile Auto$67
Allstate$74
Root$77
Metromile$78
Erie$79
State Farm$82
American Family$84
Safeco$95
Progressive$95
Mercury$96
National General$96
CSAA$100
Nationwide$101
Dairyland$104
Clearcover$105
Travelers$107
State Auto$115
Direct Auto$118
The Hartford$119
Shelter$127
Elephant$133
The General$134
Farmers$134
21st Century$138
Commonwealth Casualty$139
Bristol West$146
GAINSCO$149
Foremost$164
Liberty Mutual$166
AssuranceAmerica$173
Amica$182
Chubb$203
Infinity$217
Hugo$281
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to save with discounts

Most auto insurance companies offer discounts for policyholders who fit certain criteria. Common car insurance discounts include:

Bundling discounts: Save 5%–25%

Many insurance companies offer significant discounts for bundling renters, condo, or homeowners insurance with auto coverage.

Multi-vehicle discounts: Save up to 25%

Most insurers offer discounts for insuring more than one vehicle on your policy, and the savings can be substantial.

Good driver discounts: Save up to 34%

Most insurance companies, including State Farm, Nationwide, and GEICO, provide discounts if you go a certain number of years without an accident or moving violation.

Anti-theft and safety feature discounts: Average savings vary

Insurance companies often offer lower rates for cars with anti-theft or safety features, like car alarms, steering-wheel locks, collision warning systems, and anti-lock brakes.

Telematics discounts: Average savings vary

Telematics programs use sensors and GPS to monitor driving behaviors and reward drivers with discounts for going the speed limit, avoiding distractions, and gradual braking. But some companies may increase your rates if their telematics detects poor driving habits.

Defensive driving course discounts: Average savings vary

Learning safe driving techniques signals a lower risk level to insurers, which could translate into savings on your premium. Check with your insurance company before enrolling since most have approved defensive driving courses with specific requirements.

Military discounts: Average savings vary

Active-duty military personnel, veterans, and retired service members are often eligible for discounts on car insurance.

Cheap car insurance FAQs

Car insurance is an important investment, so it’s a good idea to research companies carefully and compare quotes before making a decision. To get you started, here are some answers to commonly asked questions about car insurance.

  • Which insurance company is usually the cheapest?

    There isn’t necessarily one insurance company that’s always the cheapest. Many factors, such as your age, ZIP code, and driving history, can affect your premium. Right now, the cheapest car insurance quote is $35 per month from Auto-Owners, Insurify data shows. The best way to find the cheapest option is to compare car insurance rates from a variety of regional and national insurers.

  • What is the most affordable full-coverage car insurance?

    COUNTRY Financial has the cheapest rates for full coverage, at $40 per month. The next cheapest are NJM and Auto-Owners, at $54 and $76 per month, respectively.

    Regional insurers often offer competitive rates, so the cheapest overall insurers may not be available in every state. Various factors can affect the full-coverage rates available to you, so shopping around is one of the best ways to find the cheapest available policy.

  • At what age does car insurance get cheaper?

    Car insurance rates typically begin to fall after you pass age 25 and continue to lower until you’re in your 70s — provided you maintain a clean driving record. Insurance rates generally begin to climb again for drivers 70 and older.

  • How much car insurance coverage do you need?

    Many factors affect how much car insurance coverage you need. You need to buy at least your state’s minimum required amount of liability coverage. Depending on where you live, buying personal injury protection (PIP) or uninsured/underinsured motorist coverage may also be a requirement.

    If you finance or lease your vehicle, your lender or leasing company will require you to carry full-coverage car insurance and may specify the amount of comprehensive and collision coverage to buy. And if you have a high-value vehicle or other high-value assets, you may want to purchase additional coverage.

  • Which cars are the cheapest to insure?

    The cheapest cars to insure are typically reliable vehicles with modern anti-theft and safety features. These include the Subaru Forester and the Subaru Outback, based on Insurify’s analysis. The Insurance Institute for Highway Safety named them both Top Safety Picks in 2023.

    Insurers usually view sports cars as a bigger risk and charge more to insure high-performance vehicles. Luxury cars can also cost more to insure than more affordable models since the repair and replacement costs are higher.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Julia Taliesin
Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Chase Gardner
Data reviewed byChase GardnerData Insights Manager
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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