Car Insurance Under $100: What It Takes and Who Can Get It

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Updated: May 2, 2026

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Can You Get Car Insurance Under $100 a Month?

Under $100 car insurance comes up constantly in our research, and the honest answer is that it is achievable for more drivers than most people expect. With car insurance premiums up more than 55% since 2020, finding a rate under $100 has become a real priority for budget conscious drivers. Realistically to get car insurance under $100, most buyers will need to choose minimum coverage in almost every state even with a clean record driver with good credit. What surprises most drivers is that full coverage is also under $100 is possible in many states.

In our analysis of rates across all 50 states, GEICO leads nationally at $43 per month for minimum coverage on average, which is 35% below the national average of $67 per month. For details about the cheapest liability only rates by state and company see our dedicated guide.  For full coverage, GEICO averages $95 per month nationally and In lower cost states, full coverage from GEICO or regional carriers starts as low as $53.

These are the carriers our analysis found most consistently competitive at the under $100 price point across the most driver profiles.

Data filtered by:
State Minimum Liability Only
Geico$43$522
Travelers$50$601
National General$50$605
State Farm$51$616
Amica$56$670
Chubb$61$728
Kemper$62$744
Progressive$67$802
AAA$69$822
Nationwide$71$852
Farmers$78$938
Allstate$81$971
AIG$81$972

WHY YOU CAN TRUST MONEYGEEK RATE DATA

GEICO

Our Analysis Recommendation: GEICO is the Best Choice for Under $100 Insurance

COMPANY HIGHLIGHTS

When we look across our full dataset, GEICO comes up more consistently at the under $100 price point than any other national carrier. It leads on minimum coverage pricing in 13 states at $43 per month and averages $95 per month nationally for full coverage, the lowest full coverage rate we found among major carriers. It carries an A++ rating from AM Best, the highest possible rating, and offers flexible first payment structures that make getting started more manageable.

The tradeoff is customer service. GEICO scores slightly below the industry average on J.D. Power's claims satisfaction study and has received a C- grade from CRASH Network for claims handling three years running. For drivers who prioritize affordability and manage their policy online that tradeoff is often worth it.

What It Takes to Get Car Insurance Under $100 a Month

Getting under $100 a month depends on a few key factors working in your favor. No single factor gets you there on its own. Here is what actually matters and where the real limitations are. Compare quotes from multiple insurers once you know your profile to find your actual floor.

  1. 1
    Determine if minimum or full coverage is your target

    Minimum coverage is under $100 for most clean record drivers in almost every state. Full coverage under $100 is realistic in lower cost states for qualified drivers. Review your state's minimum liability limits before deciding which level to target.

  2. 2
    Some states make under $100 easy, others don't

    Where you live sets the floor before anything else. In the cheapest states minimum coverage starts under $20 per month. In high rate states like Louisiana and Florida even minimum coverage will cost more than $100 for drivers with any risk factor. See how your state compares with our car insurance rates by state guide.

  3. 3
    Lower rates are possible with a clean driving record

    Car insurance is more expensive for drivers with viloations on their record. High risk drivers such as those with a DUI typically see rates jump well above $100 after surcharges are applied. See our guide to how to lower your car insurance for strategies that help regardless of your record.

  4. 4
    More experienced drivers have lower rates

    Younger drivers, particularly those under 25, pay higher rates due to statistical risk. In our research a driver under 25 with a clean record can pay 40 to 60 percent more than the adult baseline rate, which makes under $100 on full coverage very difficult for most young drivers. The most effective path for a young driver is staying on a parent's policy as long as possible. Under $100 on minimum coverage is still achievable in lower cost states even for younger drivers with clean records.

  5. 5
    A higher credit score will help get your rate under $100

    In most states insurers use your credit score as a pricing factor and the impact is bigger than most drivers expect. In our research, the penalty for poor vs good credit will be a rate that is 2X higher on average.  California, Hawaii, Massachusetts and Michigan do not allow credit based pricing, which helps lower credit drivers in those states but means other factors carry more weight.

  6. 6
    Discounts can help you save 10-20%

    Most insurers offer discounts that can reduce your premium by 5% to 20% individually, and they stack. Bundling home and auto with the same carrier typically saves 10% to 15%. A good driver discount for maintaining a clean record for three or more years can save 5% to 10%. Paying your full premium upfront (pay-in-full discount) commonly saves 5% to 8%. Ask your insurer which discounts apply before finalizing your quote. See more strategies in our guide on how to lower car insurance.

  7. 7
    Pay-per-mile options are cheaper for drivers under 10k miles

    Pay-per-mile insurance — such as Progressive Snapshot or Nationwide SmartMiles — can bring monthly costs well below $100 for drivers who travel fewer than 10,000 miles per year. Savings range from 20 to 40% based on our analysis of PPM rates. This model charges a low base rate plus a per-mile fee, so costs scale directly with usage.

Car Insurance Rates Under $100 by State

Rates vary by state and the table below shows exactly where under $100 is achievable and where it is not. 46 states have both minimum coverage and full coverage rates for as low as $100 per month. Regional insurers lead in more states than most drivers expect. Farm Bureau, Auto Owners, Erie and Co-operative Insurance each beat national carriers in their respective states. If you are only comparing GEICO and Progressive you may be missing your cheapest option.

One thing worth checking when you look up your state: in several states higher liability limits actually cost less than the base tier from the same insurer. Always compare both coverage tiers before you commit. For a deeper look at how your state compares see our full car insurance rates by state guide.

Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
AlabamaAIG$68$817
AlaskaGeico$84$1,005
ArizonaTravelers$86$1,030
ArkansasFarm Bureau$86$1,032
CaliforniaGeico$90$1,085
ColoradoAmerican National$74$891
ConnecticutGeico$76$910
DelawareTravelers$74$887
HawaiiGeico$66$787
IdahoGeico$53$632
IllinoisGeico$69$830
IndianaGeico$63$756
IowaTravelers$66$789
KansasGeico$71$853
KentuckyTravelers$94$1,132
MaineTravelers$54$644
MarylandGeico$84$1,002
MassachusettsPlymouth Rock Insurance$67$804
MichiganGeico$70$841
MinnesotaAuto Owners$75$897
MississippiFarm Bureau$95$1,140
MissouriAuto Owners$79$948
MontanaState Farm$80$957
NebraskaFarmers Mutual Ins Co of NE$67$802
New HampshireMMG Insurance$60$718
New MexicoGeico$96$1,147
New YorkNYCM Insurance$58$700
North CarolinaState Farm$56$671
North DakotaGeico$56$677
OhioAuto Owners$68$811
OklahomaProgressive$89$1,069
OregonProgressive$81$975
PennsylvaniaTravelers$68$815
Rhode IslandState Farm$85$1,025
South CarolinaAmerican National$64$764
South DakotaProgressive$52$621
TennesseeAuto Owners$77$923
TexasState Farm$95$1,135
UtahGeico$93$1,118
VermontCo-operative Insurance$50$604
VirginiaFarm Bureau$61$736
WashingtonProgressive$99$1,184
West VirginiaErie Insurance$91$1,096
WisconsinGeico$55$654
WyomingAmerican National$63$753

What Does Car Insurance Under $100 Actually Cover?

Under $100 most commonly means minimum coverage. Minimum coverage includes bodily injury liability and property damage liability, and some states also require personal injury protection (PIP) or uninsured/underinsured motorist coverage (UM/UIM). It pays for injuries and damage you cause to others in an accident but will not cover damage to your own vehicle.

Full coverage adds comprehensive and collision protection, covering your car if it is damaged or stolen. It is required for financed vehicles and is available under $100 in lower cost states for qualified drivers. Not sure which coverage options are right for you? See our guide on how much car insurance you actually need.

If your car is older and paid off, minimum coverage often makes financial sense. Check whether your car's market value justifies the cost of full coverage before you decide.

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DON'T GET CAUGHT UNDERINSURED

Drivers chasing a sub-$100 rate sometimes buy minimum coverage on a financed or leased vehicle. Lenders require full coverage, and dropping it can trigger force-placed insurance at rates two to three times higher than what you would pay shopping independently. Minimum coverage also provides zero financial protection for your own vehicle or medical bills after an at-fault accident. If you are financing your car purchase, make sure you understand what your lender requires before choosing a coverage level.

Frequently Asked Questions About Car Insurance Under $100

Will my rate stay under $100 at renewal?

Can I get under $100 after a recent at-fault accident?

Does the car I drive affect whether I can get under $100?

$100 Car Insurance Methodology

MoneyGeek analyzed ZIP-code-level auto insurance rate data provided by Quadrant Information Services. The baseline profile used throughout this page is a 40-year-old male driver with a clean driving record and good credit. Two coverage levels were evaluated: state minimum liability only and standard full coverage. The $100-per-month threshold filter was applied to national averages from MoneyGeek's nationwide dataset and to state-level averages. USAA rates are included in the dataset when present and eligible. Rates represent averages and will vary by ZIP code, vehicle and individual driver profile. Read our full auto insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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