Cheap car insurance for 2021

Finder compiled over 300,000 car insurance quotes in every state to find which companies have the cheapest rates for every driver. Our analysis showed Geico and USAA had the lowest rates for most drivers.

Other big name companies like Progressive, Allstate and Liberty Mutual also offered some of the cheapest rates, and a few smaller companies like Mercury and 21st Century made the top ten list. The Hartford was a top pick for senior drivers, and a few companies like Travelers nearly made it to the top ten.

• Rates
• Data

• Quote methodology: driver profile & coverage options

  To get the cheapest auto insurance quotes, we compared rates for the same driver profile averaged across all California ZIP codes.

  • Male driver
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum coverage

Of the car insurance companies with the cheapest rates, these six companies offer the cheapest rates and solid coverage and customer reputation.

These top car insurers tend to have the cheapest rates, but your actual rate will vary. Getting quotes from multiple companies is the best way to save money on car insurance.

Finding car insurance companies that offer a low rate helps you stay within your budget, but insurers with the cheapest rates aren’t always the best option. You might find better customer service, a more intuitive app or wider coverage from national companies at a higher rate.

Ways to get cheaper auto insurance rates, no matter which company you choose:

1. Drop coverage you don’t need. Skip extras unless you truly need them, like towing or collision coverage on an old car.
2. Raise your deductible. Get a lower premium by raising the amount you pay before insurance kicks in, if you have the savings.
3. Update your mileage. You could get a low mileage discount if you drive less than 35 miles a day.
4. Check for discounts. Check for new discounts you qualify for like a claims-free or loyalty discount.
5. Try telematics. Usage-based car insurance bases your premiums on your driving skills and annual mileage. Safe drivers could save up to 50%.
6. Get multiple quotes. Get new quotes every year or after big life changes like getting married or hitting an age milestone.