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Did you know that one car insurance company can charge you $39 a month and another $255 a month for the same driver? Our analysis – based on millions of car insurance quotes from 37 companies across the country – shows that the best way to save on car insurance is to shop around and get multiple quotes.
To rank the best cheap insurance companies according to our methodology, the editorial team spent hundreds of hours collecting quotes from 37 insurance companies in thousands of ZIP codes in every state. Our insurance experts have analyzed each company’s costs, availability, and customer support to help you find a company near you that offers both affordable coverage and great service.
Local Car Insurance Companies
State Farm and USAA are the largest and most affordable auto insurance companies in the country. State Farm offers an average credit policy of $44 less per month, 26% less than the national average. USAA charges an average of $36 per month, although only active duty military members, veterans or their families may qualify.
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Among companies with smaller national footprints, Farm Bureau Insurance, at $39 per month, and Auto Owners, at $40 per month, ranked cheapest. Erie is third at $42 per month.
Smaller car insurance companies sometimes offer lower rates because they are competing with larger companies. Others also bring more local information or a personal touch because they are based in your area or community.
To find the cheapest car insurance for you, start by getting quotes from the cheapest car insurance companies. Depending on a variety of factors — location, driving history, credit score and more — some companies may have cheaper rates for some drivers than others.
If you’re looking for cheap companies that offer a good balance of affordable rates, strong customer service, and coverage options, compare the best auto insurance companies.
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State Farm is the nation’s largest auto insurance company, with the cheapest rates widely available in 29 states. Additionally, the company has a large network of local agents, meaning there may be a State Farm agent in your city who can help you compare prices.
While State Farm is the best and cheapest car insurance company for most drivers, USAA has eligibility limits and Farm Bureau and Auto Owners become prohibitively expensive when you add additional coverage.
A comprehensive insurance policy includes both collision and comprehensive insurance, which protects against damage to your vehicle, not just legal liability for injury or damage to other drivers.
State Farm also gets high marks for policy choices. Offers pet coverage, rideshare insurance and roadside assistance. Consumers have many options to store and further reduce their prices.
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Drivers with a state farm can enroll in programs like Drive Safe and Save to convert good driving habits at an affordable price. You can also get a number of discounts including no-accident discount, multi-vehicle discount and crime prevention discount.
However, State Farm may not have the cheapest car insurance rates depending on your situation. Local companies like Erie, Farm Bureau and Auto-Owner may have cheaper rates for you, especially if you need minor liability coverage.
Depending on where you live, Geico may have cheaper quotes for you than State Farm. Geico is a low-cost carrier in seven states, including California and Florida.
Geico stands out when it comes to potential savings with discounts. Although Geico car insurance rates are less expensive than the average state farm, you can pay less if you qualify for Geico’s many car insurance discounts.
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Geico has a long list of available discounts and how much you can save with each discount is higher with Geico than with most companies.
For example, Geico offers discounts of up to 22% compared to an average of 10% for safe drivers. Installing anti-theft devices in your car can usually save you up to 15%, but Geico promises savings of up to 23%.
Another downside to Geico is that its customer service is average compared to similar large insurance companies. Customer complaints tend to focus on problems with denied or delayed requests. Geico also does not offer gap insurance for loaned or leased vehicles.
Eri has some car insurance quotes for drivers with tickets or accidents on their driving record. And you probably won’t get a good rate if you have a DUI (driving under the influence) on your driving record. Erie raises auto insurance rates after a minimum driving incident.
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Erie raises your rates by an average of 7% if you get a ticket, while most insurers raise premiums by 22% or more. With no risk of error, Eri only increases your rates by 25% instead of the average 44%. And Erie’s average DUI rate is $188 per month, a 64% increase. Some companies can expect to double your rates after a DUI.
Erie customers who qualify for its rate lock program can avoid premium increases that can drive up rates over the years. A typical plan is for consumers to increase their rates for any of three reasons: you move to a different location or change where you park your car, add or remove someone from your policy, or add or remove a vehicle.
Erie offers the same auto insurance discounts as the major national companies, including taking out multiple insurance policies, owning a car with anti-lock brakes or anti-theft devices, or driving safely as a young or elderly driver.
The cheapest way to get car insurance for a young driver is usually to stay on the parent’s policy. Car owners have some of the cheapest rates for drivers under 21 on their parenting plan.
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The downside is that Car Owners is only available in 26 states and you need to contact an agent to get the discount.
Owners benefit by default from consistently good customer service ratings. You can contact support or claim through your dedicated agent, mobile app or your online account. This is especially important for young drivers fresh out of college who can’t come home to talk to a local agent in person.
If you drive below average or are generally a safe driver, a usage-based or pay-per-mile car insurance company like Metromile may be the cheapest insurance for you.
Metromile U.S. One of the first companies in Determining car insurance quotes mainly based on mileage. How much driving is too much when shopping with Metromile? In general, for Metromile to be a good deal, you must drive less than 10,000 miles per year.
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Usage-based insurance is usually cheaper than standard car insurance because your rates depend more on how often you drive and how well you drive. It’s a great option for people who are generally safe drivers but can’t find cheaper rates elsewhere because they’re young, have little credit, live in a crowded city, or have other risk factors that increase their insurance rates.
That means Metromile can offer cheap car insurance to retirees or domestic workers, students living on campus and young drivers with a clean driving record.
The downside to Metromile is that it’s only available in eight states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. If you don’t live in one of those states, consider other telematics programs that offer discounts for slow driving or safe driving, such as Nationwide, Liberty Mutual or State Farm.
Overall, Farm Bureau is the cheapest auto insurance company for drivers with bad credit at $107 per month. The average Farm Bureau rate for drivers with bad credit is 12% cheaper than average.
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Farm Bureau operates like AAA: Each state has a local chapter that offers members cheaper insurance policies and other benefits. Anyone can become a member, not just farmers, but you have to pay an annual membership fee, which ranges from $20 to $100 a year. Membership benefits also include discounts on car purchases, farm equipment, products, health care, travel, rental cars and more.
Drivers with bad credit typically receive an average of 99% higher insurance quotes compared to drivers with excellent credit. Improving your credit score is a great way to get big savings on your insurance.
USAA is the cheapest car insurance company on average for a wide range of qualified drivers, beating average car insurance quotes by $24 per month.
USAA serves all 50 states and Washington, D.C. at covers drivers, but only active duty military members, veterans and their families may qualify. However, as the fifth largest auto insurance company in the country, it serves more drivers than other big names like Progressive and Allstate.
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USAA is about more than just affordable fares: it has the best customer service reputation in the industry. This company ranks high in J.D. Power’s Auto Insurance conducts a claims satisfaction study every year. USAA also has a low complaint index from the National Association of Insurance Commissioners (NAIC), meaning customers don’t have many complaints about support or claims.
Car insurance costs vary between states. A company in Utah may be expensive but not cheap
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