This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.
The cheapest insurance depends on where you live, your driving record, what car you drive and what coverage and perks you need. By comparing the most affordable car insurance companies and finding the right coverage for you, you can save big and get solid protection from your policy.
Which companies have the cheapest car insurance?
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.
Geico offers some of the lowest rates available and a long list of discounts for almost any driver. Its convenient website and app let you manage everything online, from getting a quote to filing a claim.
Customers praise USAA's cheap rates and great claims support, and USAA consistently tops the charts for customer satisfaction. You don't have to be in the military to get some of the lowest rates in the industry, though you do need a military connection.
Some of the cheapest rates in the industry
Report and track claims in the app
Get dividends through company profits as a USAA member
Progressive has a huge list of coverage, including options like custom parts, rideshare or high-risk driver coverage. Free perks like its loyalty rewards program offer small accident forgiveness, while bundling can score you 15% off already low home and auto premiums.
Bundle any two policies for a multipolicy discount
Over 12 coverage options, more than competitors
Rare options like rideshare and SR-22 insurance
Accident forgiveness after three years or for small claims
Metromile's usage-based insurance offers some of the lowest rates for safe, low-mileage drivers, including those considered high risk due to age or other factros. Its app or car device tracks your driving and sets rates based on your skills. Though Metromile rates weren't available for Finder's analysis, independent studies have found safe, low-mileage drivers stand to save hundreds by trying telematics insurance.
Low-mileage drivers could save $611/year
From $29/month plus pennies per mile
All miles over 250 a day are free
App or online claims plus 24/7 support
Limited service to only 7 states
Older vehicles excluded
Not all drivers eligible
Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington
With lots of coverage options and convenient features, Allstate has earned its spot with the top insurance companies. Get student discounts and redeemable rewards through its safe driver program, plus some of the cheapest rates available for drivers under the age of 25.
The Hartford car insurance is designed for mature drivers, with perks like replacement cost coverage and a disappearing deductible for safe driving. After a car accident, enjoy 24/7 claims support and home services coverage to help you get back on your feet. Enjoy other AARP benefits with your membership too.
12-month rate lock
Customized options for AARP members
24/7 claims service
Only available for drivers over age 49
Mixed customer reviews
All 50 states & DC
New car protection
How to get cheap 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:
Drop coverage you don’t need. Skip extras unless you truly need them, like towing or collision coverage on an old car.
Raise your deductible. Get a lower premium by raising the amount you pay before insurance kicks in, if you have the savings.
Update your mileage. You could get a low mileage discount if you drive less than 35 miles a day.
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
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