How to Find Cheap Auto Insurance Rates Online (2022)
The best way to find cheap auto insurance is to get quotes from multiple companies in your area. Rates depend on various factors — location, driving history, credit score, and more — so some insurance companies may be cheaper for certain drivers than others.
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UPDATED: Sep 26, 2022
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Table of Contents
- A cheap company for one driver may not be cheap for another
- Look for an affordable company catering to your unique needs and driving profile
- Shopping around for quotes will help you find the cheapest auto insurance company
Auto insurance is a necessary but expensive purchase. A poor driving record or new ZIP code can result in higher auto insurance rates. When searching for cheap auto insurance rates, it’s important to research companies before signing up with a new one.
To help you find the cheapest auto insurance, we’ve researched and compared companies’ prices based on drivers’ situations. Read on to see what the most affordable car insurance companies are.
Table of Contents
Finding The Cheapest Auto Insurance Rates for You
More: Why is it so hard to find cheap car insurance?
Most drivers believe they’re overpaying for car insurance. A Forbes Advisor study found that 58% of drivers think they overpay for auto insurance, and the same percentage switched car insurance companies to save money.
However, when it comes to saving money on car insurance, every driver is different in terms of their driving profile. So a company cheapest for your friend may not be your cheapest auto insurance company.
Get quotes from auto insurance companies to find the cheapest car insurance for you. Rates depend on various factors — location, driving history, credit score, and more — so some insurance companies may be cheaper for certain drivers than others.
More: Is there auto insurance for the unemployed?
Should I get the cheapest car insurance? If you’re looking for the cheapest companies that offer affordability, great customer service, and expansive coverage options, compare the best auto insurance companies to be certain you aren’t sacrificing quality for a lower price.
We’ve grouped auto insurance companies by which is cheapest for various categories, so you can easily find which company is cheapest for your own needs and profile.
- State Farm: Cheapest overall
- Erie: Cheapest with tickets
- GEICO: Cheapest after discounts
- Auto-Owners: Cheapest for families
- Metromile: Cheapest for low-mileage drivers
- Farm Bureau: Cheapest for poor credit
- USAA: Cheapest for military families
Below, we’ll detail each category so you can learn more about why each company is the cheapest for certain drivers.
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Cheapest Car Insurance Company Overall
More: Cheapest Car Insurance Companies for High-Risk Drivers [2022]
The cheapest car insurance company overall is State Farm. It is the country’s largest auto insurance company and has the cheapest available rates.
State Farm also has a vast network of local agents across the country, meaning you can easily find a State Farm agent in your area to help you with rates and coverage.
More: Can I buy cheap auto insurance with no down payment?
For most drivers, State Farm will be the cheapest option. USAA is only for active military and veterans, including their spouses and children, so it isn’t available for all drivers. Other companies like Farm Bureau and Auto-Owners become expensive when you add more insurance coverages.
Like the other cheapest companies, State Farm also has few complaints about its services. Look at the complaint rates from the National Association of Insurance Commissioners below.
| Insurance Company | Overall Satisfaction of Shopping Experience (J.D. Power Rating) | Overall Satisfaction of Claims Process (J.D. Power Rating) | Complaint Ratios (Lower or Higher than National Average of 1.15) |
|---|---|---|---|
| Allstate | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.64 (Lower) |
| American Family | 4 Power Circles (better than most) | 3 Power Circles (about average) | 0.70 (Lower) |
| Farmers | 3 Power Circles (about average) | 4 Power Circles (better than most) | 0.97 (Lower) |
| GEICO | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.92 (Lower) |
| Liberty Mutual | 3 Power Circles (about average) | 2 Power Circles (the rest) | 6.32 (Higher) |
| Nationwide | 2 Power Circles (the rest) | 3 Power Circles (about average) | 0.36 (Lower) |
| Progressive | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.89 (Lower) |
| State Farm | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.57 (Lower) |
| Travelers | 3 Power Circles (about average) | 3 Power Circles (about average) | 1.27 (Higher) |
| USAA (Military & Family Members) | 4 Power Circles (better than most) | 5 Power Circles (among the best) | 1.14 (Lower) |
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A company with multiple filed complaints is worth researching, as it could mean the company denies claims or gives low payouts.
Cheapest Auto Insurance Companies by State
More: Cheap Car Insurance With No Deposit
Auto insurance rates vary widely between states. Some of the most expensive states for auto insurance are as follows:
| State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA | Average |
|---|---|---|---|---|---|---|---|---|---|---|---|
| MI | $5,017 | $4,140 | $1,219 | $5,250 | $3,184 | $1,880 | $2,585 | $2,268 | $1,320 | $3,193 | |
| DE | $2,555 | $1,243 | $6,117 | $1,777 | $1,115 | $1,431 | $1,019 | $532 | $2,180 | ||
| LA | $2,547 | $1,739 | $1,990 | $1,537 | $1,211 | $1,953 | |||||
| NJ | $1,948 | $2,861 | $917 | $3,446 | $1,154 | $1,403 | $1,679 | $1,915 | |||
| RI | $2,333 | $1,547 | $2,905 | $2,351 | $1,438 | $939 | $1,275 | $801 | $1,827 | ||
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If you move to one of the above states, you can expect your rates to be slightly higher than your previous state, even if you purchase insurance from a cheap company. In contrast, the cheapest states to find an auto insurance company are listed below.
| State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA | Average |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ID | $1,587 | $1,148 | $1,139 | $708 | $975 | $1,018 | $653 | $707 | $495 | $992 | |
| VA | $1,277 | $859 | $1,061 | $754 | $785 | $537 | $947 | ||||
| ME | $1,334 | $1,446 | $454 | $1,485 | $1,166 | $724 | $759 | $455 | $1,053 | ||
| IA | $1,169 | $1,008 | $1,006 | $1,432 | $900 | $930 | $804 | $1,143 | $678 | $1,049 | |
| WA | $1,415 | $1,130 | $1,260 | $922 | $1,140 | $866 | $746 | $858 | $565 | $1,042 | |
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A company may be the most expensive in one state and one of the cheapest in another. Sometimes, a small local company may offer the cheapest rates compared to well-known names like GEICO or Nationwide.
More: 3 Tips to Buy Cheap Commercial Auto Insurance
Look at the table below for the cheapest rates and insurance companies by state.
| State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA | Average |
|---|---|---|---|---|---|---|---|---|---|---|---|
| AK | $1,667 | $1,195 | $807 | $737 | $1,223 | ||||||
| AL | $1,332 | $1,644 | $1,099 | $1,999 | $1,189 | $1,388 | $1,337 | $972 | $691 | $1,370 | |
| AR | $2,007 | $1,120 | $1,227 | $1,581 | $1,620 | $989 | $1,367 | $674 | $1,416 | ||
| AZ | $2,226 | $1,664 | $808 | $1,436 | $1,039 | $999 | $1,292 | $780 | $1,352 | ||
| CA | $1,996 | $1,553 | $1,732 | $1,774 | |||||||
| CO | $2,054 | $1,457 | $2,010 | $1,161 | $1,133 | $1,324 | $1,490 | $1,168 | $960 | $1,475 | |
| CT | $2,421 | $768 | $2,486 | $1,382 | $1,641 | $1,126 | $1,030 | $956 | $1,550 | ||
| DC | $2,976 | $855 | $2,126 | $1,420 | $1,371 | $592 | $1,750 | ||||
| DE | $2,555 | $1,243 | $6,117 | $1,777 | $1,115 | $1,431 | $1,019 | $532 | $2,180 | ||
| FL | $2,263 | $1,103 | $1,995 | $1,272 | $1,889 | $1,223 | $578 | $1,624 | |||
| GA | $2,035 | $754 | $3,259 | $1,878 | $1,417 | $1,324 | $879 | $1,778 | |||
| HI | $1,113 | ||||||||||
| IA | $1,169 | $1,008 | $1,006 | $1,432 | $900 | $930 | $804 | $1,143 | $678 | $1,049 | |
| ID | $1,587 | $1,148 | $1,139 | $708 | $975 | $1,018 | $653 | $707 | $495 | $992 | |
| IL | $2,172 | $1,405 | $587 | $935 | $1,146 | $1,103 | $796 | $1,077 | $767 | $1,153 | |
| IN | $1,729 | $1,328 | $977 | $785 | $2,269 | $1,198 | $849 | $872 | $856 | $529 | $1,207 |
| KS | $1,973 | $1,408 | $1,781 | $923 | $2,148 | $1,141 | $1,575 | $1,003 | $1,071 | $697 | $1,447 |
| KY | $988 | $2,080 | $2,277 | $1,377 | $1,212 | $1,725 | $886 | $1,610 | |||
| LA | $2,547 | $1,739 | $1,990 | $1,537 | $1,211 | $1,953 | |||||
| MA | $1,342 | ||||||||||
| MD | $2,481 | $1,671 | $1,313 | $1,493 | $1,322 | $990 | $1,656 | ||||
| ME | $1,334 | $1,446 | $454 | $1,485 | $1,166 | $724 | $759 | $455 | $1,053 | ||
| MI | $5,017 | $4,140 | $1,219 | $5,250 | $3,184 | $1,880 | $2,585 | $2,268 | $1,320 | $3,193 | |
| MN | $1,977 | $1,156 | $1,333 | $1,118 | $4,640 | $1,070 | $828 | $837 | $1,732 | ||
| MO | $1,831 | $1,313 | $1,674 | $1,112 | $1,597 | $816 | $1,212 | $1,051 | $618 | $1,326 | |
| MS | $1,822 | $886 | $1,477 | $1,190 | $1,487 | $1,018 | $1,092 | $671 | $1,282 | ||
| MT | $1,903 | $2,025 | $1,020 | $726 | $1,093 | $2,109 | $870 | $614 | $1,392 | ||
| NC | $2,095 | $851 | $1,020 | $1,367 | $393 | $949 | $1,228 | $1,129 | |||
| ND | $1,679 | $1,793 | $1,324 | $749 | $4,919 | $949 | $1,364 | $943 | $542 | $1,715 | |
| NE | $1,545 | $1,381 | $1,606 | $1,139 | $2,213 | $952 | $1,175 | $850 | $687 | $1,358 | |
| NH | $1,585 | $624 | $2,453 | $953 | $785 | $729 | $510 | $1,188 | |||
| NJ | $1,948 | $2,861 | $917 | $3,446 | $1,154 | $1,403 | $1,679 | $1,915 | |||
| NM | $1,958 | $1,615 | $1,119 | $1,186 | $1,069 | $855 | $799 | $1,300 | |||
| NV | $2,046 | $1,734 | $1,915 | $1,361 | $1,375 | $1,386 | $1,018 | $1,272 | $1,122 | $851 | $1,470 |
| NY | $1,820 | $963 | $2,473 | $2,026 | $1,188 | $1,695 | $2,159 | $1,053 | $1,761 | ||
| OH | $1,483 | $764 | $1,193 | $728 | $1,311 | $1,408 | $1,051 | $863 | $784 | $507 | $1,065 |
| OK | $1,668 | $1,684 | $1,350 | $2,279 | $1,362 | $1,122 | $839 | $1,577 | |||
| OR | $1,896 | $1,313 | $1,378 | $1,155 | $1,738 | $1,372 | $959 | $926 | $1,197 | $720 | $1,326 |
| PA | $1,829 | $843 | $2,704 | $1,066 | $1,834 | $938 | $931 | $705 | $1,449 | ||
| RI | $2,333 | $1,547 | $2,905 | $2,351 | $1,438 | $939 | $1,275 | $801 | $1,827 | ||
| SC | $1,650 | $2,059 | $979 | $1,459 | $1,294 | $1,089 | $851 | $1,422 | |||
| SD | $1,682 | $1,867 | $1,398 | $706 | $2,849 | $943 | $1,298 | $827 | $1,446 | ||
| TN | $1,777 | $1,065 | $970 | $1,464 | $1,141 | $895 | $1,090 | $723 | $1,200 | ||
| TX | $2,488 | $2,171 | $1,303 | $1,908 | $1,493 | $1,109 | $772 | $1,745 | |||
| UT | $1,442 | $1,296 | $1,417 | $906 | $1,466 | $1,154 | $1,174 | $1,269 | $614 | $1,266 | |
| VA | $1,277 | $859 | $1,061 | $754 | $785 | $537 | $947 | ||||
| VT | $1,759 | $469 | $1,242 | $954 | $2,233 | $1,079 | $523 | $1,289 | |||
| WA | $1,415 | $1,130 | $1,260 | $922 | $1,140 | $866 | $746 | $858 | $565 | $1,042 | |
| WI | $1,521 | $774 | $1,346 | $766 | $1,039 | $2,797 | $1,158 | $721 | $578 | $1,265 | |
| WV | $2,000 | $1,030 | $2,419 | $1,288 | $1,362 | $979 | $828 | $1,513 | |||
| WY | $1,918 | $1,604 | $1,369 | $922 | $1,017 | $705 | $1,366 |
Some of the most expensive states for car insurance include New York, Florida, and California.
Factors Affecting Your Auto Insurance Rates
While rates differ by company, all insurers will look at the same basic factors to calculate your auto insurance rates. The main factors affecting your auto insurance rates are as follows:
- Age. Your age matters to car insurance companies. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
- Claims history. If you’ve filed multiple claims, you’ll have higher insurance rates.
- Credit score. Drivers with lower credit scores are more likely to file claims or miss payments. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor.
- Driving history. Traffic tickets, accidents, DUIs, and other similar charges will raise rates.
- Gender. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
- Vehicle model and make. Insurance companies consider safety ratings, crash statistics, and the vehicle's overall expense when setting rates.
- ZIP code. Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.
More: Government Auto Insurance: The Affordable Option for Low Incomes
While you don’t have much control over many of the factors affecting your rates, you can work to reduce your rates by keeping a clean driving record and shopping around.
Another factor affecting your rates is your auto insurance company. Rates vary drastically by company, so shopping around and comparing rates can significantly reduce your costs. You should also know your coverage needs, as you may not need all the insurance extras or low deductibles.
Available discounts also affect your insurance rates. You may be able to reduce your rates by bundling auto insurance with other coverages and discounts. If you find that your rates are increasing or there’s a significant lifestyle change, shop around for new quotes to ensure you’re getting the best deal.
Cheapest Auto Insurance Companies by Selected Cities
Just as car insurance rates vary by state, they also vary by city.
If you’re moving to a new city, shop around for quotes from local providers. Cities with high traffic, crime, and collision rates will have higher rates than other cities.
Cheapest Auto Insurance Companies for Full Coverage
Full coverage auto insurance — which includes comprehensive, collision, and liability insurance — is cheapest at State Farm. The average monthly cost for a State Farm full coverage policy is only $109 a month.
Once again, while USAA is a few dollars cheaper on average than State Farm, the military membership restrictions cancel it out as the overall cheapest. Also, most drivers can’t purchase a policy from USAA, whereas State Farm is widely available to all, regardless of military or non-military status.
Cheapest Auto Insurance Companies for Minimum Liability Coverage
If you’re looking for a minimum liability coverage policy without collision, comprehensive, and other optional add-on coverages, the cheapest company is State Farm.
| Insurance Company | Average Minimum Coverage Rates |
|---|---|
| Allstate | $605 |
| American Family | $582 |
| Farmers | $674 |
| GEICO | $290 |
| Liberty Mutual | $771 |
| Nationwide | $588 |
| Progressive | $484 |
| State Farm | $408 |
| Travelers | $471 |
| Average | $541 |
Remember that minimum liability coverage pays for property damages and injuries to others if you caused the accident. However, you’ll have to pay your own repair and injury costs out of pocket.
While it’s cheaper to purchase minimum liability coverage, the costs you’ll pay out of pocket can be extremely high if you cause an accident.
Therefore, we don’t recommend dropping collision and comprehensive coverage unless you have to, or unless your car is old and insurance costs add up to more than your car’s value over a few years.
Cheapest Auto Insurance Companies After Discounts
Most of the larger auto insurance companies offer discounts that can help reduce your rates. Discounts are available based on many factors including age, driving history, occupation, and more. Available discounts vary by insurance company so check with your agent to see what discount you may qualify for.
| Vehicle Discounts | Driver/Customer Discounts | Personal Discounts |
|---|---|---|
| Active Disabling Device | Claim Free | Emergency Deployment |
| Adaptive Cruise Control | Continuous Coverage | Family Legacy |
| Adaptive Headlights | Defensive Driver | Family Plan |
| Anti-lock Brakes | Driver's Education | Federal Employee |
| Audible Alarm | Driving Device/App | Further Education |
| Automatic Braking | Early Signing | Good Student |
| Blind Spot Warning | Full Payment | Homeowner |
| Daytime Running Lights | Good Credit | Life Insurance |
| Economy Vehicle | Loyalty | Married |
| Electronic Stability Control | Multiple Policies | Membership/Group |
| Farm/Ranch Vehicle | Multiple Vehicles | Military |
| Forward Collision Warning | New Customer/New Plan | New Address |
| Garaging/Storing | Occasional Operator | New Graduate |
| Green/Hyrbid Vehicle | Online Shopper | Non-smoker/Non-drinker |
| Lane Departure Warning | On-Time Payments | Occupation |
| Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
| Passive Restraint | Paperless Documents | Stable Residence |
| Utility Vehicle | Roadside Assistance | Student Away |
| Vehicle Recovery | Safe Driver | Student or Alumni |
| VIN Etching | Seat Belt Use | Volunteer |
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GEICO is another large insurance company, second only to State Farm. Depending on your driving history and area, GEICO may be cheaper in some states than State Farm.
GEICO also offers numerous car insurance discounts, making overall rates cheaper than State Farm’s after discounts, even if State Farm is initially cheaper.
| Type of Discount | Potential Percentage of Discounts | Category |
|---|---|---|
| Air Bag | 25% (driver side), 40% (full-front seat) | Vehicle Equipment |
| Anti-Lock Brakes | 5% | Vehicle Equipment |
| Anti-Theft System | 25% | Vehicle Equipment |
| Daytime Running Lights | 1% | Vehicle Equipment |
| Good Driver | 26% (five years accident-free) | Driving History & Habits |
| Seat Belt Use | 15% (medical or PIP portion) | Driving History & Habits |
| Good Student | 15% | Driver's Education |
| Emergency Deployment | 25% | Driver Affiliation |
| Federal Employee (Eagle) | 8% | Driver Affiliation |
| Military | 15% | Driver Affiliation |
| Multi-Vehicle | 25% | Customer Loyalty |
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Some of GEICO’s best discounts include a safe driver discount to save drivers up to 23% and an anti-theft discount. Other smaller discounts — such as auto-pay or paperless discounts — can also save drivers money.
Cheapest Auto Insurance Companies for Good Drivers
GEICO is the cheapest car insurance company for non-military drivers with a clean driving record. The average annual rate for car insurance at GEICO is $1,148, which is $295 less than the national average car insurance rate.
| Insurance Company | Rates with a DUI | Rates with an Accident | Rates with a Ticket | Rates with a Clean Record |
|---|---|---|---|---|
| Allstate | $3,638 | $2,848 | $2,342 | $1,993 |
| American Family | $2,124 | $2,000 | $1,571 | $1,386 |
| Farmers | $2,296 | $2,383 | $2,108 | $1,674 |
| GEICO | $2,566 | $1,595 | $1,282 | $984 |
| Liberty Mutual | $3,900 | $2,840 | $2,600 | $2,120 |
| Nationwide | $3,028 | $1,983 | $1,737 | $1,445 |
| Progressive | $1,760 | $2,284 | $1,710 | $1,310 |
| State Farm | $1,490 | $1,285 | $1,227 | $1,091 |
| Travelers | $2,765 | $1,888 | $1,780 | $1,287 |
| USAA | $1,335 | $996 | $859 | $753 |
| Average | $2,619 | $2,123 | $1,818 | $1,477 |
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GEICO also has good customer reviews. Most drivers are satisfied with the coverages and customer service. However, any accidents, speeding tickets, or similar traffic violations will raise your rates at GEICO.
Cheapest Auto Insurance Companies for Poor Drivers
Drivers with a poor driving record may find it harder to find cheap auto insurance. However, if you have a ticket or accident on your record, the cheapest car insurance company will likely be Erie Insurance.
Erie increases rates the least after a driving incident. So, for example, if you get a traffic ticket, Erie will raise your rates an average of 7%, significantly less than the average 22% increase from most insurers.
Similarly, Erie only raises rates by 25% for an at-fault accident, compared to 44% at most companies. However, if you have a DUI, Erie raises rates an average of 64%. While this may seem high, other companies usually double rates for DUI offenders.
However, the catch is that Erie is only available in certain states. The states it sells insurance in include:
- District of Columbia
- Illinois
- Indiana
- Kentucky
- Maryland
- New York
- North Carolina
- Ohio
- Pennsylvania
- Tennessee
- Virginia
- West Virginia
- Wisconsin
Since Erie is only available in a few states, we’ve collected other auto insurance companies cheapest for poor drivers based on the driving offense to give you more options across the U.S.
Cheapest Auto Insurance Companies After a DUI
A DUI on a record automatically means higher insurance rates. However, there are still options to find cheaper auto insurance coverages. Usually, regional insurance companies compete with each other to offer affordable rates for drivers with one DUI.
Generally, these regional companies have lower overhead costs than big insurance companies and can help their customers save. Compare multiple quotes from companies to find the most affordable option.
| Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
|---|---|---|---|---|
| Allstate | $3,638 | $1,993 | ||
| American Family | $2,124 | $1,386 | ||
| Farmers | $2,296 | $1,674 | ||
| GEICO | $2,566 | $984 | ||
| Liberty Mutual | $3,900 | $2,120 | ||
| Nationwide | $3,028 | $1,445 | ||
| Progressive | $1,760 | $1,310 | ||
| State Farm | $1,490 | $1,091 | ||
| Travelers | $2,765 | $1,287 | ||
| Average | $2,619 | $1,477 | ||
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Multiple insurance companies specialize in high-risk drivers — some may offer discounts for completing an approved defensive driving program. You may also want to consider raising your deductible to lower your premium.
Cheapest Auto Insurance Companies After a Driving Incident
Your rates will increase if you get a ticket, DUI, or accident on your driving record. Erie is one of the best insurance companies for a driving incident, but other companies are also cheap. Take a look at the other insurance companies with reasonable rates below.
| Insurance Company | Rates with a Ticket | Rates with a Clean Record | ||
|---|---|---|---|---|
| Allstate | $2,342 | $1,993 | ||
| American Family | $1,571 | $1,386 | ||
| Farmers | $2,108 | $1,674 | ||
| GEICO | $1,282 | $984 | ||
| Liberty Mutual | $2,600 | $2,120 | ||
| Nationwide | $1,737 | $1,445 | ||
| Progressive | $1,710 | $1,310 | ||
| State Farm | $1,227 | $1,091 | ||
| Travelers | $1,780 | $1,287 | ||
| USAA | $859 | $753 | ||
| Average | $1,818 | $1,477 | ||
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Eligible Erie customers can participate in the company’s Rate Lock program, which helps drivers avoid premium increases over the years. The only time rates will increase through this program is if you move to a different area, change where you usually park, modify the listed drivers, or add or remove a car.
So your Erie insurance rates won’t go up after a ticket or claim for an accident. Erie also has the same auto insurance discounts as other larger insurance companies, like bundling discounts, safe driving discounts, and so on.
However, if Erie isn’t available in your state, the other insurance companies covered on our list above are also reasonable options for drivers with a poor driving record.
Cheapest Auto Insurance Companies for Teens and Parents
How do you get cheap car insurance for a teenager? For most teen drivers, the cheapest option for insurance is for the teen to stay on their parents’ auto insurance policy. The insurance company Auto-Owners has some of the cheapest rates for teenagers on their parent's policy.
Unfortunately, Auto-Owners is only available in 26 states. It’s also agent-based, so you’ll have to contact an agent to get an insurance quote. However, Auto-Owners has good customer service. Young drivers can also file claims, contact Auto-Owners through the mobile app, or speak to a representative online.
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $7,654 | $7,299 | $6,223 | $5,381 |
| American Family | $5,761 | $4,682 | $4,684 | $3,452 |
| Farmers | $8,901 | $9,330 | $7,238 | $6,879 |
| GEICO | $3,743 | $3,573 | $3,043 | $2,635 |
| Liberty Mutual | $9,339 | $8,592 | $7,593 | $6,335 |
| Nationwide | $5,714 | $4,926 | $4,646 | $3,632 |
| Progressive | $9,766 | $9,617 | $7,941 | $7,090 |
| State Farm | $4,191 | $3,730 | $3,408 | $2,750 |
| Travelers | $10,762 | $8,506 | $8,750 | $6,271 |
| National Average | $7,315 | $6,695 | $5,947 | $4,936 |
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Statistically, teenage males are more likely to get into crashes and file claims. They’re also more likely to participate in risk-taking behaviors like speeding or not wearing a seat belt.
In states where insurers can consider gender when setting rates, teenage males have higher rates than teenage female drivers. However, teenage males can reduce their rates by keeping a clean driving record and participating in safe driving programs.
Cheapest Auto Insurance Companies for Seniors
Senior drivers may see their rates slowly increase as they age since insurance companies view them as higher risk due to age-related factors like slowing reflexes and declining eyesight.
However, comparing car insurance rates can help senior drivers find savings. The cheapest car insurance company for senior drivers is GEICO.
| Insurance Company | Rates for Senior Drivers | |||
|---|---|---|---|---|
| Allstate | $1966 | |||
| American Family | $1298 | |||
| Farmers | $1582 | |||
| Geico | $937 | |||
| Liberty Mutual | $1994 | |||
| Nationwide | $1349 | |||
| Progressive | $1213 | |||
| State Farm | $986 | |||
| Travelers | $1208 | |||
| Usaa | $694 | |||
| Average | $1393 | |||
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Senior drivers can also participate in driving safety courses to earn a safe driving discount if it’s available from their insurance provider. Maintaining a good driving record and shopping around will also go a long way to finding car insurance that fits a senior driver’s needs and budget.
| Insurance Company | 55-Year-Old Male With a Clean Record | 55-Year-Old Female With a Clean Record | 60-Year-Old Male With a Clean Record | 60-Year-Old Female With a Clean Record | 65-Year-Old Male With a Clean Record | 65-Year-Old Female With a Clean Record |
|---|---|---|---|---|---|---|
| Allstate | $1,820 | $1,841 | $1,847 | $1,797 | $1,878 | $1,900 |
| American Family | $1,251 | $1,237 | $1,190 | $1,175 | $1,291 | $1,276 |
| Farmers | $1,513 | $1,519 | $1,474 | $1,383 | $1,561 | $1,568 |
| GEICO | $912 | $909 | $892 | $872 | $941 | $938 |
| Liberty Mutual | $1,959 | $1,929 | $1,890 | $1,758 | $2,022 | $1,991 |
| Nationwide | $1,305 | $1,285 | $1,253 | $1,189 | $1,347 | $1,327 |
| Progressive | $1,196 | $1,271 | $1,143 | $1,105 | $1,234 | $1,312 |
| State Farm | $978 | $978 | $912 | $912 | $1,010 | $1,010 |
| Travelers | $1,109 | $1,095 | $1,065 | $1,052 | $1,145 | $1,130 |
| National Average | $1,338 | $1,341 | $1,296 | $1,249 | $1,381 | $1,383 |
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Senior male drivers pay slightly more than female senior drivers for car insurance. However, in states where basing rates on gender is banned, rates will be the same for male and female senior drivers with the same driving record and demographic information.
Cheapest Auto Insurance Companies for Safe and Low Mileage Drivers
The cheapest car insurance company for safe and low mileage drivers is Metromile. If you drive less than 10,000 miles a year, are a safe driver, and want a usage-based or pay-per-mile policy, Metromile is generally the cheapest company.
Usage-based insurance is a great option for safe drivers who struggle to find cheap rates because of their age, credit score, location, and other factors. In addition, since usage-based insurance looks at how often and well you drive, it’s easier for high-risk drivers to find cheap rates.
Metromile is also a good option for people who work from home, young students who live on campus, or retired drivers.
However, Metromile is only available in eight states, meaning it’s not widely available to drivers. Suppose you’re a low-mileage driver and don't have Metromile in your state. In that case, you can look into other telematics programs that base rates on how often and safely you drive, like Nationwide, State Farm, or Liberty Mutual.
Cheapest Auto Insurance Companies for Drivers With Poor Credit
While not every state allows car insurance companies to base rates on poor credit, for the most part, a poor credit score can affect your auto insurance rates.
The cheapest company for drivers with poor credit scores is Farm Bureau. Drivers with poor credit will average about $1,278 annually at Farm Bureau, $32 cheaper than its closest competitor GEICO and 12% cheaper than average.
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| American Family | $2,432 | $1,635 | $1,386 |
| Farmers | $3,233 | $1,926 | $1,674 |
| GEICO | $1,781 | $1,197 | $984 |
| Liberty Mutual | $4,256 | $2,712 | $2,120 |
| Nationwide | $1,988 | $1,595 | $1,445 |
| Progressive | $2,471 | $1,655 | $1,310 |
| State Farm | $2,398 | $1,411 | $1,091 |
| Travelers | $2,323 | $1,534 | $1,287 |
| Allstate | $3,551 | $2,362 | $1,993 |
| Average | $2,715 | $1,781 | $1,477 |
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Farm Bureau is similar to AAA since you’ll need to become a member and pay an annual membership fee to get car insurance through your state’s local chapter. Annual membership includes discounts and perks, such as discounts on travel and rental cars.
Cheapest Auto Insurance Companies for Military and Veterans
What is the cheapest auto insurance for military members? USAA is the cheapest company for military and veterans. The company beats out one of the cheapest insurance companies, State Farm, by a considerable amount.
| Insurance Company | Rates for Military Personnel | |||
|---|---|---|---|---|
| Allstate | $1940 | |||
| American Family | $1310 | |||
| Farmers | $1622 | |||
| Geico | $966 | |||
| Liberty Mutual | $2041 | |||
| Nationwide | $1401 | |||
| Progressive | $1262 | |||
| State Farm | $1031 | |||
| Travelers | $1240 | |||
| Usaa | $725 | |||
| Average | $1424 | |||
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USAA is available in all 50 states and Washington, D.C. Active military members, veterans, and their families are eligible for USAA auto insurance.
In addition to great rates, USAA has a reputation for great customer service. It has some of the highest ratings on J.D. Power’s Auto Insurance Claims Satisfaction studies and a low complaint rate on the National Association of Insurance Commissioners.
Cheapest Auto Insurance Companies by Age
Insurance rates vary significantly by age, but some auto insurance companies offer cheaper rates than others for certain age groups.
| Age and Gender | Allstate | American Family | Farmers | GEICO | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | National Average |
|---|---|---|---|---|---|---|---|---|---|---|
| 18 Y/O Male w/a Clean Record | $6,223 | $4,684 | $7,238 | $3,043 | $7,593 | $4,646 | $7,941 | $3,408 | $8,750 | $5,947 |
| 18 Y/O Female w/a Clean Record | $5,381 | $3,452 | $6,879 | $2,635 | $6,335 | $3,632 | $7,090 | $2,750 | $6,271 | $4,936 |
| 30 Y/O Male w/a Clean Record | $2,118 | $1,545 | $1,925 | $1,041 | $2,373 | $1,667 | $1,633 | $1,234 | $1,274 | $1,646 |
| 30 Y/O Female w/a Clean Record | $2,021 | $1,310 | $1,843 | $1,078 | $2,072 | $1,519 | $1,569 | $1,122 | $1,173 | $1,523 |
| 45 Y/O Male w/a Clean Record | $1,919 | $1,319 | $1,595 | $962 | $2,066 | $1,376 | $1,261 | $1,032 | $1,169 | $1,411 |
| 45 Y/O Female w/a Clean Record | $1,941 | $1,304 | $1,602 | $958 | $2,034 | $1,355 | $1,340 | $1,032 | $1,154 | $1,413 |
| 55 Y/O Male w/a Clean Record | $1,820 | $1,251 | $1,513 | $912 | $1,959 | $1,305 | $1,196 | $978 | $1,109 | $1,338 |
| 55 Y/O Female w/a Clean Record | $1,841 | $1,237 | $1,519 | $909 | $1,929 | $1,285 | $1,271 | $978 | $1,095 | $1,341 |
| 65 Y/O Male w/a Clean Record | $1,878 | $1,291 | $1,561 | $941 | $2,022 | $1,347 | $1,234 | $1,010 | $1,145 | $1,381 |
| 65 Y/O Female w/a Clean Record | $1,900 | $1,276 | $1,568 | $938 | $1,991 | $1,327 | $1,312 | $1,010 | $1,130 | $1,383 |
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The cheapest car insurance company varies between GEICO and Nationwide for each age group. As shown in the chart above, rates get cheaper around age 25 for drivers. After that, rates continue to decrease as drivers age unless they're at fault for an accident, get a DUI, or have other driving offenses on their record.
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Drivers That Can Get the Cheapest Auto Insurance Rates
Several personal factors affect insurance rates, from age to credit score. Look at the table below to see which drivers get the cheapest rates.
| Insurance Company | Rates with a DUI | Rates with an Accident | Rates with a Ticket | Rates with a Clean Record |
|---|---|---|---|---|
| Allstate | $3,638 | $2,848 | $2,342 | $1,993 |
| American Family | $2,124 | $2,000 | $1,571 | $1,386 |
| Farmers | $2,296 | $2,383 | $2,108 | $1,674 |
| GEICO | $2,566 | $1,595 | $1,282 | $984 |
| Liberty Mutual | $3,900 | $2,840 | $2,600 | $2,120 |
| Nationwide | $3,028 | $1,983 | $1,737 | $1,445 |
| Progressive | $1,760 | $2,284 | $1,710 | $1,310 |
| State Farm | $1,490 | $1,285 | $1,227 | $1,091 |
| Travelers | $2,765 | $1,888 | $1,780 | $1,287 |
| USAA | $1,335 | $996 | $859 | $753 |
| Average | $2,619 | $2,123 | $1,818 | $1,477 |
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Drivers with accidents on their record will have much higher rates than safe drivers. Young drivers will also face higher rates than older, more experienced drivers. However, senior drivers will see their rates slowly increase as they age.
Factors Affecting Your Auto Insurance Rates
While rates differ by company, all insurers will look at the same basic factors to calculate your auto insurance rates. The main factors affecting your auto insurance rates are as follows:
- Age. Your age matters to car insurance companies. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
- Claims history. If you’ve filed multiple claims, you’ll have higher insurance rates.
- Credit score. Drivers with lower credit scores are more likely to file claims or miss payments. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor.
- Driving history. Traffic tickets, accidents, DUIs, and other similar charges will raise rates.
- Gender. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
- Vehicle model and make. Insurance companies consider safety ratings, crash statistics, and the vehicle's overall expense when setting rates.
- ZIP code. Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.
While you don’t have much control over many of the factors affecting your rates, you can work to reduce your rates by keeping a clean driving record and shopping around.
Another factor affecting your rates is your auto insurance company. Rates vary drastically by company, so shopping around and comparing rates can significantly reduce your costs. You should also know your coverage needs, as you may not need all the insurance extras or low deductibles.
Available discounts also affect your insurance rates. You may be able to reduce your rates by bundling auto insurance with other coverages and discounts. If you find that your rates are increasing or there’s a significant lifestyle change, shop around for new quotes to ensure you’re getting the best deal.
How to Find the Cheapest Auto Insurance Rates for You
It’s important to shop around, take advantage of multiple discounts, shop for the right car insurance coverage, and find the best cheap car insurance for your personal needs.
How much auto insurance you need depends on your state’s legal requirements and how protected you wish to be. Cutting unnecessary coverage will help reduce your costs. Look at the different types of auto insurance coverages below.
| Auto Coverage Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
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If you can afford a higher liability coverage level, we recommend you purchase the higher amount. If you cause an accident, the higher liability limit will help prevent financial hardship from paying other drivers for damages or injuries.
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What’s the cheapest car insurance type?
The cheapest type of car insurance is the state minimum liability coverage. Generally, you can save hundreds of dollars by keeping a minimum liability auto insurance policy.
However, you should get a full coverage policy if the following is true:
- Your car is still worth money. If your car is expensive and fairly new, you could face a huge loss after an accident.
- You have a lease or loan on your car. Most lease and loan agreements require you to carry comprehensive and collision insurance on your vehicle until you pay off your loan or lease.
Generally, you shouldn’t drop the optional coverages that protect your asset if you’d lose a lot of money after your car gets totaled or damaged. On the other hand, if your car gets paid off and is old enough not to be worth much after a collision, it can be beneficial to carry the bare minimum on your car to save money.
If the payments for extra coverages are worth at least 10% of your car’s total value, you can consider dropping them because, in a year or so, you’ll have paid your car’s entire value in add-on coverages.
How to Get Cheaper Car Insurance Rates With Discounts
One of the best ways to save on car insurance — in addition to shopping around and getting quotes — is through discounts. The following discounts are generally available with most insurance providers:
- Safe driving discounts. Insurers offer discounts for clean records, taking defensive driving courses, or participating in an insurance company’s safe driving program.
- Driver profile discounts. Insurance companies may offer discounts for students, military members, etc.
- Policy discounts. Insurance companies may offer discounts for bundling policies, signing up for auto-pay, paying in full, and similar policy changes.
- Vehicle discounts. Insurance companies may offer discounts for safety features, such as automatic braking or alarm systems.
Generally, you can discover eligible discounts at an insurance company when getting a quote. However, other discounts, such as a safe driving program discount, may not appear in your quoted price. Taking advantage of these discounts after signing up with a company can help reduce your rates down the road.
Things to Consider When Buying the Cheapest Auto Insurance
It’s not always in your best interest to pick the cheapest car insurance company or coverage. In some cases, you may be sacrificing quality and putting yourself at risk of financial losses.
If you drop coverages or raise your deductible, consider the expenses you might have to pay after an accident. If paying a $1,000 deductible or replacing your car would be financially difficult, it’s better to deal with the higher monthly payments than risk being without a driveable car.
You may also need to be protected under the possible damages that an optional coverage covers. For example, you should pay for comprehensive coverage if you live in an area prone to fires, hail, or other severe weather. Comprehensive coverage also ensures you don't suffer financial loss if your car gets burned or a hurricane damages it.
Before signing up for its cheaper auto insurance policy, consider a company’s reputation. The company's reputation for poor customer service may make the claim filing process a hassle.
In addition, consider the factors the insurance company uses. If the company considers your credit score and yours is less than 700, you may see a higher rate than quoted once the company checks your credit report.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Mathew B. Sims |
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Reviewed by
Daniel Walker
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