Looking for cheap car insurance? You’ve come to the right place. NerdWallet evaluated car insurance rates nationwide to identify the most affordable car insurance rates for various drivers:
- The Most Affordable Car Insurance Overall: geico
- The cheapest insurance after accidents: geico
- The least expensive option after DUI: american family
- The most affordable option for people with bad credit is geico
If you’re looking for the best of the best, look no further than NerdWallet’s list of the most affordable car insurance companies.
Since the most affordable choice is likely to be the state’s minimum requirements for car insurance, we focused our research on the minimum requirements. In many states, it’s called liability-only car insurance, which covers property damage and medical bills for others caused by accidents you cause.
Reasons to Trust Our Recommendations Editors and writers follow strict editorial guidelines to ensure accuracy and fairness in our writing and data analysis. We can trust the rates we provide because our data analysts employ rigorous measures to eliminate discrepancies and errors in pricing information, which contains rates for each zip code within the country where coverage is available and data is accessible. When comparing rates across multiple rates, coverage levels and backgrounds change only one factor at a time, which means you’ll be able to see the effect each factor has on prices. Read our methodology.
The cheapest car insurance company: Geico
Geico is the largest and most affordable auto insurer in the United States, according to NerdWallet’s latest study of minimum coverage rates. Geico’s annual average was $354 or $29 a month. Geico has also received a 4.5 star rating from NerdWallet, which you can refer to Geico car insurance reviews to find out why.
Cheap car insurance from the biggest companies
| Company | average annual rate | average monthly rate |
| 1. Geico | $354 | $29 |
| 2. State Farm | $452 | $38 |
| 3. Progressive | $619 | $52 |
| 4. Farmers | $620 | $52 |
| 5. All states | $666 | $55 |
| USA* | $356 | $30 |
Cheap car insurance from smaller companies
Finding cheap car insurance doesn’t necessarily mean you should stick with big insurance companies. The smaller insurers Central Insurance, MMG and Secura, which offer coverage in multiple states, are even more affordable car insurance rates than Geico.
While availability may be limited, small and regional insurers may be able to beat the more affordable auto insurance rates of larger companies. They also often provide excellent customer service.
| Company | average annual rate | average monthly rate |
|---|---|---|
| 1. Central Insurance | $257 | $21 |
| 2. MMG | $287 | $24 |
| 3. Dryness | $319 | $27 |
| 4. Hastings Mutual | $428 | $36 |
| 5. Mutual of Enumgarra | $499 | $42 |
We chose these companies because of their affordable rates and the fact that they are available in multiple states. However, there are cheaper auto insurance options in the area where you reside. For example, many Farm Bureau insurance companies are only available in a single state, but were generally among the most affordable when we analyzed our research.
How we find the cheapest companies
The editorial team of How to Apk analyzed the minimum coverage rates for car insurance from the company that provides Quadrant Information Services price analysis. Our study looked at 40-year-old drivers in all zip codes in fifty US states and Washington, DC, with different driving styles and credit scores. All drivers owned a new Toyota Camry L.
Another option is full coverage, however it can cost you over $1000 a year compared to the minimum annual policy. That’s because it comes with additional coverage such as uninsured/underinsured motorist protection and collision and comprehensive insurance.
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Cheap car insurance by state
What is considered cheap insurance for your vehicle will differ depending on where you live as rates differ between states.
For comparison purposes, we have identified the lowest cost car insurance provider for each state other than Washington, D.C.
| state | cheapest company | average annual rate |
|---|---|---|
| Alabama | geico | $261 |
| Alaska | geico | $274 |
| Arizona | geico | $272 |
| arkansas | Southern Agricultural Office Insurance | $261 |
| California | geico | $374 |
| Colorado | american national | $192 |
| Connecticut | geico | $421 |
| Delaware | geico | $568 |
| Florida | geico | $704 |
| Georgia | car owners | $314 |
| hawaii | geico | $285 |
| idaho | american national | $135 |
| illinois | Beijing | $234 |
| indian | Beijing | $195 |
| iowa | western national | $164 |
| Kansas | State Farm | $322 |
| kentucky | Kentucky Farm Bureau | $389 |
| Louisiana | geico | $443 |
| Maine | geico | $176 |
| Maryland | geico | $559 |
| Massachusetts | State Farm | $209 |
| Michigan | travelers | $106 |
| Minnesota | North Star | $259 |
| Mississippi | State Farm | $337 |
| Missouri | Colombia | $289 |
| Montana | State Farm | $213 |
| nebraska | EMC | $181 |
| Nevada | geico | $329 |
| new hampshire | MMG | $209 |
| New Jersey | Friend | $539 |
| New Mexico | Central Insurance | $224 |
| New York | Main Street America | $572 |
| North Caroline | geico | $278 |
| North Dakota | nodak | $174 |
| Ohio | erie | $211 |
| oklahoma | geico | $247 |
| Oregon | State Farm | $443 |
| pennsylvania | geico | $181 |
| Rhode Island | State Farm | $310 |
| South Carolina | american national | $217 |
| south dakota | Nebraska Farmers Mutual | $172 |
| Tennessee | Farm Insurance Company | $193 |
| Texas | geico | $377 |
| utah | geico | $305 |
| Vermont | mutual union | $182 |
| Virginia | geico | $305 |
| Washington | Farm Insurance Association | $327 |
| Washington DC | geico | $374 |
| West Virginia | erie | $298 |
| Wisconsin | geico | $203 |
| Wyoming | geico | $170 |
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