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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, 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.
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.
Company | Lowest monthly rate |
---|---|
Geico | $33 |
USAA | $35 |
Progressive | $45 |
Mercury | $47 |
21st Century | $54 |
Nationwide | $56 |
Allstate | $58 |
Libery Mutual | $59 |
State Farm | $61 |
The Hartford | $61 |
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 find the cheapest car insurance for you.
States served | All 50 states |
---|---|
Roadside assistance | Optional |
Pay schedule | 12 months, 6 months, custom |
Claims methods | Online, Phone, Agent |
New car protection | Yes |
Accident forgiveness | Yes |
States served | All 50 states |
---|---|
Roadside assistance | Optional |
Pay schedule | 12 months, 6 months, custom |
Claims methods | Online, Phone |
New car protection | No |
Accident forgiveness | Yes |
States served | All 50 states |
---|---|
Roadside assistance | Optional |
Pay schedule | 12 months, 6 months |
Claims methods | online, phone |
New car protection | Yes |
Accident forgiveness | Yes |
States served | Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington |
---|---|
Roadside assistance | Optional |
Pay schedule | monthly |
Claims methods | Online, Phone |
New car protection | Yes |
Accident forgiveness | No |
States served | All 50 states |
---|---|
Roadside assistance | Included free |
Pay schedule | 12 months, Monthly |
Claims methods | Online, Phone |
New car protection | Yes |
Accident forgiveness | Yes |
States served | All 50 states |
---|---|
Roadside assistance | Optional |
Pay schedule | 12 months |
Claims methods | Online, Phone |
New car protection | Yes |
Accident forgiveness | Yes |
Compare the top ways to get cheaper car insurance.
Watch: How to score cheaper rates in 3 minutes
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