What is the cheapest car insurance company?

There is no single cheapest car insurance company. MoneyGeek found that Nationwide is the cheapest option , but the cheapest for you may depend on where you live, your driving history, age and multiple other factors. MoneyGeek analyzed them all to help you find the best fit.

How do I find the cheapest car insurance company in my state?

Wherever you live, the best option to find cheap car insurance is to shop around. MoneyGeek found that State Farm is the cheapest option in most states and for most drivers. The rankings above are based on our sample drivers; you won't know the cheapest for you until you get multiple quotes using your information and profile.

What is the lowest I can pay for car insurance?

A policy that only covers your state's minimum car insurance requirements is likely to be the lowest cost option available to you. According to MoneyGeek data, the national lowest for minimum coverage is GEICO, with an average premium of $503 per year — $42 per month.

What are the cheapest cars to insure?

The cheapest cars to insure are a Honda CR-V and a Subaru WRX.

The Cheapest Car Insurance Companies (November 2023)

The cheapest car insurance companies are Nationwide and GEICO. On average, Nationwide charges $977 annually ($81 per month) for full coverage, while GEICO charges $503 annually ($42 per month) for state-minimum policies.

Nationwide offers the cheapest car insurance for full coverage, while GEICO provides the cheapest state-minimum policies. State Farm is the cheapest for teens, seniors, and drivers with accidents, DUIs. For those with bad credit and tickets, Nationwide is the cheapest.

We ranked the cheapest companies nationally and by state for each category to help you find the insurer that best fits your profile.

Cheapest Car InsuranceCompanies

2023

Cheapest Car Insurance in November 2023

Cheapest Full Coverage - Nationwide

Cheapest for Minimum Coverage - GEICO

Cheapest by Age

Best Cheap Car Insurance - Travelers

Cheapest for Military Members - USAA

Cheapest With an Accident - State Farm

Cheapest With a DUI - State Farm

Cheapest With a Ticket - State Farm

Cheapest for Bad Credit - Nationwide

Cheapest by Car Model

Cheapest Car Insurance for Full Coverage: Nationwide

Nationwide and Travelers are the top two cheapest car insurance companies nationwide, offering the most affordable full coverage policies. A full coverage policy provides the best financial protection in the event of an at-fault incident.

Cheapest Full Coverage Car Insurance Companies and Rates:

Nationwide: $977 per year, $81 per month
Travelers: $1,092 per year, $91 per month

MoneyGeek Top Pick: Full Coverage

Nationwide

Average Annual Rate: $977

Nationwide car insurance offers competitive rates and comprehensive policies for drivers with varied credit histories. They provide discounts for new vehicles, anti-theft devices, safe driving, and defensive driving course completions. Bundling options are available, combining auto with homeowners or renters insurance for potential savings. Nationwide's consistent industry presence highlights their commitment to policyholders.

Age Range

Coverage Options

Company	Annual Premium	Monthly Premium
Nationwide	$1,214	$101
Nationwide	$1,327	$111
Nationwide	$977	$81
Nationwide	$1,074	$89
Nationwide	$902	$75
Nationwide	$981	$82
Travelers	$1,246	$104
Travelers	$1,363	$114
Travelers	$1,092	$91
Travelers	$1,195	$100
State Farm	$1,049	$87
State Farm	$1,157	$96
GEICO	$1,339	$112
GEICO	$1,465	$122
GEICO	$1,109	$92
GEICO	$1,223	$102
Travelers	$1,074	$90
Travelers	$1,182	$98
State Farm	$1,410	$117
State Farm	$1,547	$129
State Farm	$1,139	$95
State Farm	$1,256	$105
GEICO	$1,098	$92
GEICO	$1,206	$100
Allstate	$1,477	$123
Allstate	$1,580	$132
Progressive	$1,265	$105
Progressive	$1,349	$112
Progressive	$1,218	$101
Progressive	$1,316	$110
Progressive	$1,529	$127
Progressive	$1,651	$138
Allstate	$1,330	$111
Allstate	$1,435	$120
Farmers	$1,311	$109
Farmers	$1,466	$122
Farmers	$1,628	$136
Farmers	$1,810	$151
Farmers	$1,342	$112
Farmers	$1,494	$124
Allstate	$1,361	$113
Allstate	$1,467	$122

Moneygeek found that Nationwide and Travelers offer the cheapest full coverage insurance for a 100/300/100 policy, as well as a policy with increased coverage of 300/500/300. The shorthand of 100/300/100 means:

$100,000 in bodily injury liability coverage per person
$300,000 in bodily injury liability coverage per accident
$100,000 in property damage liability coverage per accident

The table above allows you to review our analysis of the most affordable car insurance rates for a full coverage policy with 100/300/100 or 300/500/100 limits. Reviewing providers and rates for different policy limits shows how valuable it is to shop around and find and compare cheap car insurance quotes to find an affordable policy with the coverage you need.

Cheapest Full Coverage Car Insurance by State

States regulate insurance individually, so different states can have different price levels. Insurance companies may also calculate rates by city, as different cities and towns may have higher or lower risk levels for car accidents and theft. Use the table below to explore the cheapest car insurance companies for a full coverage policy in your state. Click on your state to learn more about local and individual insurance options.

State	Cheapest Company	Annual Premium	Monthly Premium
Alabama	State Farm	$753	$63
Alaska	Allstate	$962	$80
Arizona	Root Insurance Company	$715	$60
Arkansas	Southern Farm Bureau	$684	$57
California	CSAA	$369	$31
Colorado	American National P&C	$586	$49
Connecticut	GEICO	$791	$66
Delaware	Travelers	$865	$72
District of Columbia	GEICO	$963	$80
Florida	Travelers	$1,360	$113
Georgia	Country Financial	$809	$67
Hawaii	GEICO	$601	$50
Idaho	American National P&C	$421	$35
Illinois	American Family	$731	$61
Indiana	Auto-Owners Insurance Co	$592	$49
Iowa	West Bend Mutual	$557	$46
Kansas	Nationwide	$768	$64
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,015	$85
Maine	Concord Group	$578	$48
Maryland	Nationwide	$1,088	$91
Massachusetts	State Farm	$483	$40
Michigan	Travelers	$931	$78
Minnesota	AAA	$813	$68
Mississippi	Mississippi Farm Bureau	$775	$65
Missouri	Nationwide	$909	$76
Montana	State Farm	$658	$55
Nebraska	American National P&C	$417	$35
Nevada	Country Financial	$951	$79
New Hampshire	Hanover	$479	$40
New Jersey	NJM	$940	$78
New Mexico	Progressive	$722	$60
New York	Kemper	$943	$79
North Carolina	State Farm	$503	$42
North Dakota	American Family	$615	$51
Ohio	Nationwide	$485	$40
Oklahoma	GEICO	$808	$67
Oregon	American Family	$921	$77
Pennsylvania	Nationwide	$651	$54
Rhode Island	Amica Mutual	$888	$74
South Carolina	American National P&C	$536	$45
South Dakota	American Family	$647	$54
Tennessee	Auto-Owners Insurance Co	$736	$61
Texas	Texas Farm Bureau	$760	$63
Utah	Nationwide	$725	$60
Vermont	Vermont Mutual	$514	$43
Virginia	American Family	$674	$56
Washington	PEMCO	$561	$47
West Virginia	Erie	$1,013	$84
Wisconsin	AAA	$445	$37
Wyoming	State Farm	$745	$62

Full coverage offers the most financial protection, as it includes comprehensive and collision insurance, which can pay for damages to your vehicle in case of an accident. However, if you're looking for the most affordable insurance possible, you might shop for the cheapest state minimum insurance policy available to you.

Cheapest Car Insurance for Liability-Only Coverage: GEICO

State minimum coverage is the minimum amount of insurance required by law in your state. In some states, it’s also known as liability-only insurance.

Cheapest Liability-Only Car Insurance Companies and Rates:

GEICO: $503 per year, $42 per month
State Farm: $506 per year, $42 per month

If you want additional liability protection but don't want to purchase comprehensive and collision insurance, you should shop for cheap liability-only insurance with higher coverage levels than your state's minimum requirements.

MoneyGeek Top Pick: Liability-Only

GEICO

Average Annual Rate: $503

GEICO is often cited as one of the cheapest options for liability-only car insurance coverage. Known for its competitive rates, GEICO appeals to drivers seeking basic protection without breaking the bank. The company's streamlined online platform makes it easy to get a quote, customize coverage, and manage policies. While prices can vary based on multiple factors like location and driving history, many people find that GEICO offers the cost-effective solution they're looking for in liability-only coverage.

Age Range

Coverage Options

Company	Annual Premium	Monthly Premium
Nationwide	$709	$59
Travelers	$588	$49
Nationwide	$552	$46
GEICO	$503	$42
Nationwide	$541	$45
State Farm	$479	$40
Travelers	$724	$60
GEICO	$598	$50
State Farm	$653	$54
State Farm	$506	$42
State Farm	$620	$52
Nationwide	$506	$42
State Farm	$779	$65
State Farm	$604	$50
Travelers	$661	$55
Nationwide	$510	$42
Travelers	$688	$57
GEICO	$519	$43
Progressive	$802	$67
Progressive	$615	$51
GEICO	$695	$58
Travelers	$540	$45
Progressive	$705	$59
Progressive	$546	$45
GEICO	$836	$70
Nationwide	$663	$55
Progressive	$718	$60
Progressive	$555	$46
GEICO	$725	$60
Travelers	$561	$47
Allstate	$950	$79
Farmers	$745	$62
Farmers	$792	$66
Farmers	$612	$51
Farmers	$842	$70
Farmers	$641	$53
Farmers	$974	$81
Allstate	$777	$65
Allstate	$890	$74
Allstate	$730	$61
Allstate	$956	$80
Allstate	$778	$65

Cheapest Car Insurance for Liability-Only by State

Even the cheapest car insurance companies charge different prices for minimum coverage policies based on the state. Some states may require more than just liability coverage, such as personal injury protection (PIP) coverage, medical payments coverage or uninsured and underinsured motorist coverage.

Click on your state to find the cheapest minimum coverage options where you live.

State	Cheapest Company	Annual Premium	Monthly Premium
Alabama	Cincinnati Insurance	$252	$21
Alaska	Umialik Insurance	$458	$38
Arizona	Mercury	$343	$29
Arkansas	Southern Farm Bureau	$261	$22
California	CSAA	$125	$10
Colorado	American National P&C	$230	$19
Connecticut	GEICO	$357	$30
Delaware	Travelers	$464	$39
District of Columbia	Chubb	$372	$31
Florida	Travelers	$642	$53
Georgia	Auto-Owners Insurance Co	$375	$31
Hawaii	GEICO	$223	$19
Idaho	American National P&C	$167	$14
Illinois	Mercury	$249	$21
Indiana	Auto-Owners Insurance Co	$240	$20
Iowa	Progressive	$171	$14
Kansas	Nationwide	$326	$27
Kentucky	Cincinnati Insurance	$256	$21
Louisiana	Louisiana Farm Bureau	$478	$40
Maine	Vermont Mutual	$284	$24
Maryland	State Farm	$642	$53
Massachusetts	State Farm	$221	$18
Michigan	Travelers	$101	$8
Minnesota	Westfield	$359	$30
Mississippi	State Farm	$299	$25
Missouri	Progressive	$411	$34
Montana	State Farm	$176	$15
Nebraska	American National P&C	$145	$12
Nevada	Country Financial	$532	$44
New Hampshire	Hanover	$133	$11
New Jersey	GEICO	$478	$40
New Mexico	Progressive	$311	$26
New York	Kemper	$545	$45
North Carolina	State Farm	$257	$21
North Dakota	Nodak Mutual	$225	$19
Ohio	State Farm	$208	$17
Oklahoma	Mercury	$269	$22
Oregon	Country Financial	$475	$40
Pennsylvania	American National P&C	$292	$24
Rhode Island	Amica Mutual	$422	$35
South Carolina	American National P&C	$297	$25
South Dakota	Farmers Mutual of Nebraska	$220	$18
Tennessee	Auto-Owners Insurance Co	$263	$22
Texas	Texas Farm Bureau	$339	$28
Utah	Farmers Union Insurance	$396	$33
Vermont	State Farm	$201	$17
Virginia	American Family	$269	$22
Washington	PEMCO	$249	$21
West Virginia	Nationwide	$419	$35
Wisconsin	AAA	$188	$16
Wyoming	GEICO	$176	$15

Cheapest Car Insurance for Drivers by Age

Insurers charge different car insurance rates by age and sex. While sex plays a role in how insurers determine rates, age is a significant factor. A teen driver might pay thousands of dollars more per year than an adult driver, as the risk of motor vehicle crashes among teens ages 16 to 19 is almost three times as high as drivers older than 20.

Similarly, when you reach your senior years, car insurance companies start raising rates again, as drivers over 70 have a higher crash mortality rate per 1,000 crashes than middle-aged drivers. Use the table below to find the most affordable insurer and rate by age for a full coverage policy.

Age	Company	Annual Premium	Monthly Premium
16	State Farm	$3,732	$311
17	State Farm	$3,312	$276
18	State Farm	$2,966	$247
19	State Farm	$2,531	$211
20	State Farm	$2,272	$189
21	GEICO	$1,824	$152
22	GEICO	$1,850	$154
23	GEICO	$1,655	$138
24	GEICO	$1,571	$131
25	GEICO	$1,448	$121
26	GEICO	$1,391	$116
27	GEICO	$1,338	$112
28	GEICO	$1,323	$110
29	GEICO	$1,309	$109
30	GEICO	$1,270	$106
35	GEICO	$1,251	$104
40	GEICO	$1,497	$125
45	GEICO	$1,244	$104
50	GEICO	$1,487	$124
55	State Farm	$1,201	$100
60	GEICO	$1,505	$125
65	State Farm	$1,140	$95
70	State Farm	$1,188	$99
75	State Farm	$1,289	$107
80	State Farm	$1,412	$118
85	State Farm	$1,537	$128
90	GEICO	$1,566	$131

Rates shown in this table are for an individual 100/300/100 full coverage policy with a $1,000 deductible.

Cheapest Car Insurance for Teens by State

Insurance companies consider inexperienced student drivers as high risk. For this reason, teen and student drivers can expect higher insurance rates.

Adding a teen driver to a family car insurance policy is often the most affordable option for them to be insured. The table below shows the cheapest car insurance company for teens on a family policy vs. what they may pay for an individual policy with the same insurer.

Age

State	Company	Family Premium	Individual Premium	Percent Increase	Cost Increase
Alabama	Allstate	$1,862	$4,554	59%	$2,691
Alabama	GEICO	$1,145	$3,501	67%	$2,357
Alabama	GEICO	$724	$2,214	67%	$1,491
Alabama	GEICO	$1,429	$1,803	21%	$373
Alaska	GEICO	$2,131	$3,887	45%	$1,756
Alaska	GEICO	$1,696	$3,095	45%	$1,398
Alaska	GEICO	$1,439	$2,625	45%	$1,186
Alaska	GEICO	$1,556	$1,846	16%	$289
Arizona	Travelers	$1,970	$3,702	47%	$1,732
Arizona	Travelers	$1,516	$2,849	47%	$1,333
Arizona	GEICO	$1,164	$2,277	49%	$1,113
Arizona	Travelers	$1,409	$1,909	26%	$499
Arkansas	Allstate	$1,689	$6,394	74%	$4,706
Arkansas	Allstate	$1,404	$5,316	74%	$3,912
Arkansas	Allstate	$1,062	$4,020	74%	$2,958
Arkansas	Allstate	$1,425	$2,469	42%	$1,044
California	State Farm	$2,943	$3,327	12%	$384
California	State Farm	$2,628	$2,972	12%	$344
California	State Farm	$2,481	$2,805	12%	$324
California	GEICO	$2,082	$2,604	20%	$522
Colorado	Kemper	$1,393	$7,816	82%	$6,422
Colorado	Kemper	$1,051	$5,894	82%	$4,844
Colorado	Kemper	$860	$4,827	82%	$3,967
Colorado	Kemper	$1,393	$4,117	66%	$2,724
Connecticut	GEICO	$1,581	$8,657	82%	$7,076
Connecticut	GEICO	$702	$3,845	82%	$3,143
Connecticut	GEICO	$603	$3,300	82%	$2,698
Connecticut	GEICO	$1,356	$2,184	38%	$828
Delaware	GEICO	$2,930	$7,197	59%	$4,267
Delaware	GEICO	$1,706	$4,189	59%	$2,483
Delaware	GEICO	$1,450	$3,560	59%	$2,111
Delaware	Travelers	$1,722	$5,401	68%	$3,679
District of Columbia	GEICO	$1,836	$3,782	51%	$1,946
District of Columbia	GEICO	$1,332	$2,743	51%	$1,412
District of Columbia	GEICO	$1,137	$2,342	51%	$1,205
District of Columbia	GEICO	$1,344	$1,723	22%	$379
Florida	Nationwide	$3,267	$7,274	55%	$4,007
Florida	Nationwide	$3,267	$7,274	55%	$4,007
Florida	Allstate	$2,758	$11,073	75%	$8,315
Florida	Nationwide	$2,795	$4,226	34%	$1,430
Georgia	Allstate	$1,745	$4,763	63%	$3,017
Georgia	Allstate	$1,516	$4,136	63%	$2,621
Georgia	Allstate	$1,154	$3,150	63%	$1,995
Georgia	Allstate	$1,448	$1,909	24%	$461
Hawaii	State Farm	$709	$709	0%	$0
Hawaii	21st Century	$687	$743	8%	$56
Hawaii	21st Century	$687	$743	8%	$56
Hawaii	State Farm	$709	$709	0%	$0
Idaho	State Farm	$1,314	$1,788	26%	$474
Idaho	State Farm	$1,154	$1,570	26%	$416
Idaho	State Farm	$1,008	$1,372	26%	$363
Idaho	Auto-Owners Insurance Co	$937	$1,229	24%	$292
Illinois	Progressive	$2,195	$5,009	56%	$2,814
Illinois	Travelers	$1,240	$3,924	68%	$2,684
Illinois	Travelers	$975	$3,085	68%	$2,110
Illinois	Auto-Owners Insurance Co	$1,609	$1,924	16%	$315
Indiana	Nationwide	$1,702	$4,086	58%	$2,384
Indiana	GEICO	$1,002	$2,812	64%	$1,810
Indiana	GEICO	$876	$2,460	64%	$1,583
Indiana	GEICO	$1,158	$1,689	31%	$530
Iowa	Allstate	$1,644	$5,041	67%	$3,397
Iowa	Allstate	$994	$3,049	67%	$2,054
Iowa	Allstate	$737	$2,260	67%	$1,523
Iowa	Allstate	$1,217	$1,657	27%	$440
Kansas	Nationwide	$1,108	$2,299	52%	$1,191
Kansas	Nationwide	$1,072	$2,224	52%	$1,152
Kansas	Nationwide	$954	$1,980	52%	$1,026
Kansas	Nationwide	$1,006	$1,740	42%	$734
Kentucky	Allstate	$1,985	$6,389	69%	$4,405
Kentucky	Allstate	$1,711	$5,510	69%	$3,798
Kentucky	Allstate	$1,254	$4,037	69%	$2,783
Kentucky	Allstate	$1,674	$2,474	32%	$800
Louisiana	State Farm	$4,750	$6,119	22%	$1,369
Louisiana	State Farm	$4,179	$5,384	22%	$1,205
Louisiana	GEICO	$3,459	$6,921	50%	$3,463
Louisiana	State Farm	$3,656	$4,170	12%	$514
Maine	Concord Group	$1,056	$1,730	39%	$674
Maine	Concord Group	$936	$1,533	39%	$598
Maine	Concord Group	$839	$1,374	39%	$536
Maine	Concord Group	$851	$1,177	28%	$326
Maryland	Kemper	$1,827	$4,640	61%	$2,812
Maryland	Progressive	$1,407	$2,975	53%	$1,568
Maryland	Progressive	$1,209	$2,558	53%	$1,349
Maryland	Kemper	$1,619	$3,529	54%	$1,910
Massachusetts	State Farm	$1,016	$1,569	35%	$553
Massachusetts	Progressive	$940	$4,766	80%	$3,825
Massachusetts	Progressive	$855	$4,336	80%	$3,480
Massachusetts	State Farm	$652	$953	32%	$302
Michigan	GEICO	$1,957	$2,511	22%	$554
Michigan	GEICO	$1,957	$2,511	22%	$554
Michigan	GEICO	$1,495	$1,918	22%	$423
Michigan	GEICO	$1,502	$1,734	13%	$231
Minnesota	Nationwide	$1,850	$3,851	52%	$2,001
Minnesota	Allstate	$1,664	$3,400	51%	$1,735
Minnesota	Allstate	$1,555	$3,175	51%	$1,621
Minnesota	Nationwide	$1,628	$2,793	42%	$1,165
Mississippi	Progressive	$714	$4,584	84%	$3,870
Mississippi	Progressive	$901	$5,784	84%	$4,883
Mississippi	Progressive	$800	$5,136	84%	$4,336
Mississippi	Progressive	$714	$2,435	71%	$1,721
Missouri	GEICO	$1,295	$7,003	82%	$5,708
Missouri	GEICO	$1,073	$5,799	81%	$4,726
Missouri	GEICO	$942	$5,093	82%	$4,151
Missouri	GEICO	$1,001	$2,964	66%	$1,963
Montana	Progressive	$1,601	$3,500	54%	$1,900
Montana	Progressive	$1,176	$2,570	54%	$1,395
Montana	Progressive	$931	$2,036	54%	$1,105
Montana	Progressive	$1,206	$1,355	11%	$149
Nebraska	Allstate	$1,961	$6,067	68%	$4,105
Nebraska	Allstate	$1,193	$3,691	68%	$2,498
Nebraska	Allstate	$889	$2,750	68%	$1,861
Nebraska	Auto-Owners Insurance Co	$1,467	$2,109	30%	$642
Nevada	Nationwide	$2,572	$5,564	54%	$2,992
Nevada	Nationwide	$2,323	$5,027	54%	$2,704
Nevada	Nationwide	$2,104	$4,553	54%	$2,449
Nevada	Nationwide	$2,276	$3,839	41%	$1,563
New Hampshire	Concord Group	$1,078	$1,693	36%	$614
New Hampshire	Concord Group	$980	$1,538	36%	$558
New Hampshire	Concord Group	$898	$1,410	36%	$512
New Hampshire	Concord Group	$913	$1,232	26%	$319
New Jersey	GEICO	$2,059	$2,187	6%	$128
New Jersey	GEICO	$2,059	$2,187	6%	$128
New Jersey	Travelers	$1,614	$3,112	48%	$1,498
New Jersey	Travelers	$1,877	$2,532	26%	$656
New Mexico	Nationwide	$1,916	$3,628	47%	$1,713
New Mexico	Allstate	$1,612	$3,503	54%	$1,891
New Mexico	Allstate	$1,323	$2,873	54%	$1,550
New Mexico	Allstate	$1,620	$2,233	27%	$612
New York	Kemper	$1,516	$5,363	72%	$3,847
New York	Kemper	$1,291	$4,567	72%	$3,276
New York	Kemper	$1,101	$3,893	72%	$2,792
New York	Kemper	$1,311	$2,784	53%	$1,473
North Carolina	State Farm	$1,200	$1,252	4%	$52
North Carolina	State Farm	$1,166	$1,216	4%	$50
North Carolina	State Farm	$1,140	$1,189	4%	$49
North Carolina	State Farm	$1,048	$1,056	1%	$8
North Dakota	Nationwide	$1,184	$2,461	52%	$1,276
North Dakota	Allstate	$919	$4,534	80%	$3,615
North Dakota	Allstate	$741	$3,654	80%	$2,913
North Dakota	Nationwide	$1,091	$1,967	45%	$876
Ohio	Nationwide	$1,042	$2,416	57%	$1,374
Ohio	Nationwide	$1,042	$2,416	57%	$1,374
Ohio	Allstate	$800	$2,501	68%	$1,701
Ohio	Nationwide	$961	$1,934	50%	$972
Oklahoma	Allstate	$1,948	$5,390	64%	$3,442
Oklahoma	Allstate	$1,678	$4,643	64%	$2,965
Oklahoma	Allstate	$1,416	$3,917	64%	$2,501
Oklahoma	Allstate	$1,714	$2,484	31%	$769
Oregon	Nationwide	$1,573	$3,713	58%	$2,140
Oregon	GEICO	$1,378	$3,284	58%	$1,907
Oregon	GEICO	$1,134	$2,704	58%	$1,570
Oregon	Nationwide	$1,374	$2,869	52%	$1,495
Pennsylvania	Nationwide	$1,183	$2,989	60%	$1,806
Pennsylvania	Nationwide	$1,136	$2,871	60%	$1,735
Pennsylvania	Nationwide	$995	$2,514	60%	$1,519
Pennsylvania	Nationwide	$978	$1,851	47%	$873
Rhode Island	State Farm	$2,187	$3,040	28%	$853
Rhode Island	Travelers	$1,771	$11,078	84%	$9,307
Rhode Island	Travelers	$1,205	$7,534	84%	$6,330
Rhode Island	Travelers	$1,564	$5,027	69%	$3,462
South Carolina	Auto-Owners Insurance Co	$2,558	$3,621	29%	$1,063
South Carolina	Auto-Owners Insurance Co	$2,002	$2,834	29%	$832
South Carolina	Auto-Owners Insurance Co	$1,759	$2,490	29%	$731
South Carolina	Auto-Owners Insurance Co	$1,800	$2,114	15%	$314
South Dakota	Allstate	$1,164	$6,779	83%	$5,614
South Dakota	Allstate	$722	$4,202	83%	$3,481
South Dakota	Allstate	$597	$3,475	83%	$2,878
South Dakota	Allstate	$1,005	$1,673	40%	$669
Tennessee	Nationwide	$1,673	$4,264	61%	$2,591
Tennessee	Farmers	$1,394	$4,893	72%	$3,500
Tennessee	Allstate	$1,181	$3,516	66%	$2,335
Tennessee	Auto-Owners Insurance Co	$1,405	$1,797	22%	$393
Texas	State Farm	$2,273	$3,165	28%	$892
Texas	State Farm	$2,052	$2,857	28%	$805
Texas	State Farm	$1,849	$2,575	28%	$726
Texas	State Farm	$1,825	$2,293	20%	$468
Utah	Nationwide	$1,491	$3,804	61%	$2,313
Utah	Nationwide	$1,398	$3,567	61%	$2,169
Utah	GEICO	$1,156	$4,001	71%	$2,845
Utah	Nationwide	$1,352	$2,828	52%	$1,476
Vermont	Concord Group	$1,330	$2,009	34%	$679
Vermont	Concord Group	$1,215	$1,835	34%	$620
Vermont	Concord Group	$1,117	$1,688	34%	$571
Vermont	State Farm	$1,120	$1,370	18%	$251
Virginia	Nationwide	$1,268	$2,801	55%	$1,533
Virginia	Nationwide	$1,243	$2,746	55%	$1,503
Virginia	Nationwide	$1,153	$2,548	55%	$1,395
Virginia	Nationwide	$1,144	$2,196	48%	$1,052
Washington	Kemper	$1,793	$2,476	28%	$683
Washington	Capital Insurance Group	$1,450	$2,007	28%	$556
Washington	Allstate	$1,305	$4,438	71%	$3,133
Washington	Capital Insurance Group	$1,627	$1,637	1%	$10
West Virginia	Nationwide	$1,791	$4,213	57%	$2,422
West Virginia	Allstate	$1,566	$5,269	70%	$3,703
West Virginia	Allstate	$1,227	$4,130	70%	$2,902
West Virginia	Nationwide	$1,675	$3,220	48%	$1,545
Wisconsin	Nationwide	$1,258	$2,930	57%	$1,672
Wisconsin	Allstate	$821	$3,571	77%	$2,750
Wisconsin	Allstate	$623	$2,710	77%	$2,087
Wisconsin	GEICO	$1,091	$1,591	31%	$500
Wyoming	Allstate	$1,604	$5,602	71%	$3,998
Wyoming	Allstate	$1,289	$4,503	71%	$3,213
Wyoming	Allstate	$1,000	$3,492	71%	$2,492
Wyoming	Allstate	$1,322	$2,123	38%	$800

Rates in this table are for a 100/300/100 full coverage policy with a $1,000 deductible. Family premiums were gathered using a profile with two adults and one teen.

MONEYGEEK EXPERT TIP

Most teens under the age of 18 are not legally allowed to have their own auto insurance policy without a parent or guardian to co-sign. Adding a teen to a family policy is typically the best option for young drivers.
— Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance for Young Drivers by State

As you enter your 20s, insurers will assume you have gained some experience on the road and will no longer consider you as high risk as a teen. To get cheap car insurance as a young driver, you will still be eligible to stay on a family policy if you meet eligibility requirements, such as continuing to reside in the family home. Otherwise, you'll need to get on your own individual policy.

State	Company	Annual Premium	Monthly Premium
Alabama	State Farm	$976	$81
Alaska	GEICO	$1,009	$84
Arizona	Root Insurance Company	$717	$60
Arkansas	Southern Farm Bureau	$836	$70
California	CSAA	$408	$34
Colorado	American National P&C	$724	$60
Connecticut	GEICO	$1,007	$84
Delaware	Travelers	$939	$78
District of Columbia	Erie	$1,186	$99
Florida	Travelers	$1,555	$130
Georgia	Allstate	$1,077	$90
Hawaii	GEICO	$601	$50
Idaho	American National P&C	$541	$45
Illinois	American Family	$784	$65
Indiana	American Family	$642	$54
Iowa	West Bend Mutual	$667	$56
Kansas	Nationwide	$919	$77
Kentucky	Nationwide	$1,007	$84
Louisiana	Louisiana Farm Bureau	$1,554	$130
Maine	Travelers	$716	$60
Maryland	Nationwide	$1,309	$109
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$1,023	$85
Minnesota	American Family	$839	$70
Mississippi	Direct General Insurance	$1,022	$85
Missouri	American Family	$1,059	$88
Montana	State Farm	$725	$60
Nebraska	American National P&C	$508	$42
Nevada	Country Financial	$1,318	$110
New Hampshire	Hanover	$800	$67
New Jersey	Plymouth Rock Assurance	$1,062	$88
New Mexico	Progressive	$948	$79
New York	Kemper	$1,199	$100
North Carolina	Progressive	$601	$50
North Dakota	American Family	$708	$59
Ohio	American Family	$511	$43
Oklahoma	GEICO	$977	$81
Oregon	American Family	$1,010	$84
Pennsylvania	Travelers	$789	$66
Rhode Island	Amica Mutual	$964	$80
South Carolina	American National P&C	$635	$53
South Dakota	American Family	$801	$67
Tennessee	Grange Insurance	$927	$77
Texas	Texas Farm Bureau	$932	$78
Utah	Nationwide	$896	$75
Vermont	State Farm	$640	$53
Virginia	Virginia Farm Bureau	$810	$68
Washington	PEMCO	$705	$59
West Virginia	GEICO	$1,221	$102
Wisconsin	American Family	$681	$57
Wyoming	Farmers	$870	$72

Rates in this table reflect a 100/300/100 full coverage policy with a $1,000 deductible.

Cheapest Car Insurance for Seniors by State

Senior drivers often face more risks on the road than younger adults, as seniors may experience age-related changes in vision, physical functioning and more. Discover the cheapest car insurance companies and rates for seniors aged 65 and older in the table below.

State	Company	Annual Premium	Monthly Premium
Alabama	Cincinnati Insurance	$654	$55
Alaska	GEICO	$893	$74
Arizona	Root Insurance Company	$767	$64
Arkansas	Southern Farm Bureau	$621	$52
California	CSAA	$367	$31
Colorado	American National P&C	$575	$48
Connecticut	GEICO	$778	$65
Delaware	Travelers	$827	$69
District of Columbia	Erie	$983	$82
Florida	State Farm	$1,267	$106
Georgia	Country Financial	$707	$59
Hawaii	GEICO	$601	$50
Idaho	American National P&C	$428	$36
Illinois	American Family	$712	$59
Indiana	Auto-Owners Insurance Co	$568	$47
Iowa	West Bend Mutual	$558	$46
Kansas	Nationwide	$696	$58
Kentucky	Cincinnati Insurance	$655	$55
Louisiana	Louisiana Farm Bureau	$1,253	$104
Maine	Concord Group	$553	$46
Maryland	Nationwide	$1,213	$101
Massachusetts	State Farm	$369	$31
Michigan	Travelers	$840	$70
Minnesota	AAA	$738	$62
Mississippi	Mississippi Farm Bureau	$694	$58
Missouri	Nationwide	$860	$72
Montana	Nationwide	$584	$49
Nebraska	American National P&C	$393	$33
Nevada	Capital Insurance Group	$885	$74
New Hampshire	Vermont Mutual	$602	$50
New Jersey	NJM	$824	$69
New Mexico	Progressive	$761	$63
New York	Kemper	$923	$77
North Carolina	State Farm	$494	$41
North Dakota	American Family	$550	$46
Ohio	Nationwide	$448	$37
Oklahoma	State Farm	$842	$70
Oregon	American Family	$885	$74
Pennsylvania	Nationwide	$569	$47
Rhode Island	Travelers	$1,016	$85
South Carolina	American National P&C	$560	$47
South Dakota	American Family	$681	$57
Tennessee	Auto-Owners Insurance Co	$692	$58
Texas	Texas Farm Bureau	$629	$52
Utah	Nationwide	$670	$56
Vermont	State Farm	$469	$39
Virginia	Nationwide	$673	$56
Washington	PEMCO	$598	$50
West Virginia	Nationwide	$992	$83
Wisconsin	AAA	$505	$42
Wyoming	State Farm	$647	$54

Rates in this table reflect a 100/300/100 full coverage policy with a $1,000 deductible.

Best Cheap Car Insurance: Travelers

The best car insurance company is Travelers, with policies costing an average of $1,092 per year or $91 per month. Followed by Nationwide with premiums averaging $977 per year, $81 per month.

To find the best insurers who can balance both cost and service, MoneyGeek created a unique, weighted ranking system and scored each provider accordingly to create a score out of 100. Learn more about how we rank the best providers in the methodology at the top of the page.

Company	Annual Premium	Monthly Premium	Score Out of 100
Travelers	$1,092	$91	71
Nationwide	$977	$81	69
GEICO	$1,109	$92	68
State Farm	$1,139	$95	68
Progressive	$1,265	$105	66
Farmers	$1,342	$112	64
Allstate	$1,330	$111	62

Rates in this table are for a 100/300/100 full coverage policy with a $1,000 deductible.

Cheapest Car Insurance for Military Members: USAA

Current and former military personnel and their families often have unique military discounts or policies available that can make a great impact in lowering the cost of a policy. Without using specific military discounts, MoneyGeek found that USAA and Nationwide are the cheapest car insurance companies for the former and current military.

Cheapest Car Insurance for Military Members and Family:

USAA: $828 per year
Nationwide: $977 per year

Discover the average costs of full coverage and liability-only policies in the table below to find the cheapest insurance for military members, veterans and their families.

Coverage Options

Age Range

Company	Annual Premium	Monthly Premium
USAA	$358	$30
USAA	$359	$30
USAA	$423	$35
State Farm	$479	$40
GEICO	$503	$42
State Farm	$506	$42
Nationwide	$506	$42
Nationwide	$510	$42
GEICO	$519	$43
Travelers	$540	$45
Progressive	$546	$45
Progressive	$555	$46
Travelers	$561	$47
Travelers	$588	$49
GEICO	$598	$50
State Farm	$604	$50
Farmers	$612	$51
Progressive	$615	$51
Farmers	$641	$53
Nationwide	$663	$55
Allstate	$730	$61
Farmers	$745	$62
Allstate	$777	$65
Allstate	$778	$65
USAA	$795	$66
USAA	$828	$69
Nationwide	$902	$75
Nationwide	$977	$81
USAA	$1,007	$84
State Farm	$1,049	$87
Travelers	$1,074	$90
Travelers	$1,092	$91
GEICO	$1,098	$92
GEICO	$1,109	$92
State Farm	$1,139	$95
Nationwide	$1,214	$101
Progressive	$1,218	$101
Travelers	$1,246	$104
Progressive	$1,265	$105
Farmers	$1,311	$109
Allstate	$1,330	$111
GEICO	$1,339	$112
Farmers	$1,342	$112
Allstate	$1,361	$113
State Farm	$1,410	$117
Allstate	$1,477	$123
Progressive	$1,529	$127
Farmers	$1,628	$136

Cheapest Car Insurance For Drivers With Incidents

Drivers with moving violations or accidents on their record will have higher rates than those with a clean driving record, as the former are seen as a higher risk to insure. Additionally, drivers who have had a more serious violation, such as a DUI, may need to buy an SR-22 insurance policy.

Although all companies will raise your rates, some will raise them less than others. Explore the sections below to discover the cheapest companies and premiums for high-risk drivers of different profiles.

Cheapest Drivers With an At-Fault Accident: State Farm
Cheapest Drivers With a DUI: State Farm
Cheapest Drivers With a Ticket: Nationwide

Cheapest Car Insurance for Drivers With an Accident: State Farm

In general, an at-fault accident will stay on your record and increase your premiums for 3–5 years, depending on the insurer you use and your state. You can still get cheap car insurance as a high-risk driver by comparison shopping to find the best rates.

Cheap Full Coverage Car Insurance for Drivers With an Accident:

State Farm: $1,395 per year, $116 per month
Nationwide: $1,485 per year, $124 per month

Cheap Liability-Only Car Insurance for Drivers With an Accident:

State Farm: $641 per year, $53 per month
Travelers: $755 per year, $63 per month

Review the table below and compare rates by age and coverage for drivers with an accident.

Age Range

Coverage Options

Company	Annual Premium	Monthly Premium
Travelers	$1,718	$143
State Farm	$763	$64
State Farm	$1,394	$116
State Farm	$641	$53
State Farm	$1,284	$107
State Farm	$603	$50
State Farm	$1,724	$144
Travelers	$780	$65
Nationwide	$1,485	$124
Travelers	$753	$63
Nationwide	$1,381	$115
Nationwide	$766	$64
Nationwide	$1,794	$149
GEICO	$918	$77
Travelers	$1,583	$132
Nationwide	$788	$66
Travelers	$1,631	$136
Travelers	$826	$69
Allstate	$2,055	$171
Progressive	$941	$78
GEICO	$1,830	$152
GEICO	$815	$68
GEICO	$1,880	$157
GEICO	$869	$72
GEICO	$2,066	$172
Nationwide	$966	$81
Allstate	$1,847	$154
Progressive	$844	$70
Allstate	$1,908	$159
Progressive	$929	$77
Progressive	$2,328	$194
Allstate	$1,057	$88
Progressive	$2,001	$167
Farmers	$978	$81
Progressive	$2,104	$175
Allstate	$1,062	$88
Farmers	$2,397	$200
Farmers	$1,119	$93
Farmers	$2,097	$175
Allstate	$993	$83
Farmers	$2,158	$180
Farmers	$1,077	$90

Most Affordable for Drivers With an Accident by State

Finding affordable car insurance after an accident may require extra research. Use the table below to find the cheapest national and midtier providers available in your state, and filter it by age to find the cheapest option for you — whether you’re looking for full coverage or liability-only.

Age Range

Coverage Options

State	Company	Annual Premium	Monthly Premium
Alabama	State Farm	$1,211	$101
Alabama	State Farm	$438	$36
Alabama	State Farm	$938	$78
Alabama	State Farm	$359	$30
Alabama	State Farm	$859	$72
Alabama	State Farm	$338	$28
Alaska	GEICO	$1,351	$113
Alaska	State Farm	$640	$53
Alaska	Umialik Insurance	$1,119	$93
Alaska	Umialik Insurance	$458	$38
Alaska	Umialik Insurance	$1,017	$85
Alaska	Umialik Insurance	$439	$37
Arizona	Root Insurance Company	$895	$75
Arizona	Root Insurance Company	$563	$47
Arizona	Root Insurance Company	$895	$75
Arizona	Root Insurance Company	$559	$47
Arizona	Root Insurance Company	$962	$80
Arizona	Root Insurance Company	$601	$50
Arkansas	Hanover	$1,089	$91
Arkansas	Hanover	$379	$32
Arkansas	Southern Farm Bureau	$910	$76
Arkansas	Hanover	$331	$28
Arkansas	Southern Farm Bureau	$812	$68
Arkansas	Southern Farm Bureau	$318	$27
California	CSAA	$516	$43
California	CSAA	$158	$13
California	CSAA	$466	$39
California	CSAA	$155	$13
California	CSAA	$464	$39
California	CSAA	$170	$14
Colorado	American National P&C	$983	$82
Colorado	American National P&C	$396	$33
Colorado	American National P&C	$785	$65
Colorado	American National P&C	$331	$28
Colorado	American National P&C	$791	$66
Colorado	American National P&C	$380	$32
Connecticut	GEICO	$1,434	$120
Connecticut	GEICO	$645	$54
Connecticut	GEICO	$1,147	$96
Connecticut	GEICO	$518	$43
Connecticut	GEICO	$1,160	$97
Connecticut	GEICO	$546	$45
Delaware	Travelers	$939	$78
Delaware	Travelers	$459	$38
Delaware	Travelers	$865	$72
Delaware	Travelers	$464	$39
Delaware	Travelers	$864	$72
Delaware	Travelers	$479	$40
District of Columbia	Erie	$1,530	$127
District of Columbia	Chubb	$669	$56
District of Columbia	Erie	$1,241	$103
District of Columbia	Chubb	$500	$42
District of Columbia	Erie	$1,273	$106
District of Columbia	Chubb	$473	$39
Florida	State Farm	$2,005	$167
Florida	Travelers	$940	$78
Florida	State Farm	$1,687	$141
Florida	State Farm	$858	$71
Florida	State Farm	$1,550	$129
Florida	State Farm	$798	$66
Georgia	Allstate	$1,447	$121
Georgia	Auto-Owners Insurance Co	$788	$66
Georgia	Country Financial	$1,143	$95
Georgia	Auto-Owners Insurance Co	$556	$46
Georgia	Country Financial	$1,077	$90
Georgia	Country Financial	$567	$47
Hawaii	GEICO	$916	$76
Hawaii	GEICO	$340	$28
Hawaii	GEICO	$916	$76
Hawaii	GEICO	$340	$28
Hawaii	GEICO	$916	$76
Hawaii	GEICO	$340	$28
Idaho	American Family	$732	$61
Idaho	American National P&C	$289	$24
Idaho	Auto-Owners Insurance Co	$576	$48
Idaho	American National P&C	$240	$20
Idaho	State Farm	$552	$46
Idaho	State Farm	$239	$20
Illinois	American Family	$923	$77
Illinois	American Family	$524	$44
Illinois	American Family	$861	$72
Illinois	Auto-Owners Insurance Co	$451	$38
Illinois	American Family	$842	$70
Illinois	Auto-Owners Insurance Co	$467	$39
Indiana	American Family	$853	$71
Indiana	Auto-Owners Insurance Co	$415	$35
Indiana	Auto-Owners Insurance Co	$768	$64
Indiana	Auto-Owners Insurance Co	$326	$27
Indiana	Auto-Owners Insurance Co	$742	$62
Indiana	Auto-Owners Insurance Co	$336	$28
Iowa	American Family	$776	$65
Iowa	American Family	$328	$27
Iowa	American Family	$743	$62
Iowa	Western National	$249	$21
Iowa	American Family	$657	$55
Iowa	Western National	$240	$20
Kansas	American Family	$1,055	$88
Kansas	Auto-Owners Insurance Co	$554	$46
Kansas	American Family	$895	$75
Kansas	Auto-Owners Insurance Co	$427	$36
Kansas	American Family	$813	$68
Kansas	Auto-Owners Insurance Co	$462	$38
Kentucky	Shelter	$1,341	$112
Kentucky	Travelers	$647	$54
Kentucky	Auto-Owners Insurance Co	$1,151	$96
Kentucky	Kentucky Farm Bureau	$550	$46
Kentucky	Auto-Owners Insurance Co	$1,072	$89
Kentucky	Cincinnati Insurance	$488	$41
Louisiana	Louisiana Farm Bureau	$2,034	$169
Louisiana	GEICO	$968	$81
Louisiana	Louisiana Farm Bureau	$1,312	$109
Louisiana	Louisiana Farm Bureau	$623	$52
Louisiana	Louisiana Farm Bureau	$1,636	$136
Louisiana	Louisiana Farm Bureau	$821	$68
Maine	Travelers	$990	$82
Maine	Vermont Mutual	$491	$41
Maine	Vermont Mutual	$615	$51
Maine	Vermont Mutual	$287	$24
Maine	Vermont Mutual	$583	$49
Maine	Vermont Mutual	$273	$23
Maryland	State Farm	$1,825	$152
Maryland	State Farm	$952	$79
Maryland	State Farm	$1,464	$122
Maryland	State Farm	$800	$67
Maryland	State Farm	$1,528	$127
Maryland	State Farm	$849	$71
Massachusetts	State Farm	$732	$61
Massachusetts	State Farm	$373	$31
Massachusetts	State Farm	$732	$61
Massachusetts	State Farm	$373	$31
Massachusetts	State Farm	$557	$46
Massachusetts	State Farm	$281	$23
Michigan	Travelers	$271	$23
Michigan	Chubb	$1,447	$121
Michigan	Chubb	$1,297	$108
Michigan	Travelers	$250	$21
Michigan	Chubb	$1,080	$90
Michigan	Travelers	$239	$20
Minnesota	American Family	$839	$70
Minnesota	American Family	$514	$43
Minnesota	American Family	$828	$69
Minnesota	American Family	$503	$42
Minnesota	American Family	$771	$64
Minnesota	American Family	$505	$42
Mississippi	State Farm	$1,316	$110
Mississippi	State Farm	$467	$39
Mississippi	State Farm	$1,038	$86
Mississippi	State Farm	$383	$32
Mississippi	Mississippi Farm Bureau	$920	$77
Mississippi	State Farm	$360	$30
Missouri	American Family	$1,289	$107
Missouri	Travelers	$701	$58
Missouri	American Family	$1,207	$101
Missouri	Progressive	$642	$54
Missouri	American Family	$1,123	$94
Missouri	American Family	$674	$56
Montana	State Farm	$203	$17
Montana	State Farm	$842	$70
Montana	State Farm	$244	$20
Montana	State Farm	$763	$64
Montana	State Farm	$219	$18
Montana	State Farm	$682	$57
Nebraska	American National P&C	$666	$56
Nebraska	American National P&C	$239	$20
Nebraska	American National P&C	$536	$45
Nebraska	American National P&C	$201	$17
Nebraska	American National P&C	$521	$43
Nebraska	American National P&C	$229	$19
Nevada	Country Financial	$1,806	$150
Nevada	State Farm	$1,066	$89
Nevada	Country Financial	$1,359	$113
Nevada	Capital Insurance Group	$743	$62
Nevada	Capital Insurance Group	$1,282	$107
Nevada	Capital Insurance Group	$648	$54
New Hampshire	Vermont Mutual	$1,036	$86
New Hampshire	Hanover	$299	$25
New Hampshire	Vermont Mutual	$636	$53
New Hampshire	Hanover	$268	$22
New Hampshire	Vermont Mutual	$602	$50
New Hampshire	Hanover	$266	$22
New Jersey	NJM	$1,202	$100
New Jersey	Plymouth Rock Assurance	$669	$56
New Jersey	NJM	$968	$81
New Jersey	NJM	$621	$52
New Jersey	NJM	$824	$69
New Jersey	NJM	$534	$44
New Mexico	Progressive	$1,328	$111
New Mexico	Progressive	$458	$38
New Mexico	State Farm	$1,129	$94
New Mexico	Progressive	$438	$36
New Mexico	State Farm	$1,029	$86
New Mexico	State Farm	$412	$34
New York	Progressive	$1,201	$100
New York	Progressive	$730	$61
New York	Progressive	$1,079	$90
New York	Progressive	$688	$57
New York	Progressive	$1,092	$91
New York	Progressive	$709	$59
North Carolina	Progressive	$808	$67
North Carolina	North Carolina Farm Bureau	$441	$37
North Carolina	State Farm	$669	$56
North Carolina	State Farm	$347	$29
North Carolina	State Farm	$657	$55
North Carolina	State Farm	$339	$28
North Dakota	American Family	$708	$59
North Dakota	Nodak Mutual	$326	$27
North Dakota	American Family	$615	$51
North Dakota	Nodak Mutual	$294	$25
North Dakota	American Family	$550	$46
North Dakota	Nodak Mutual	$266	$22
Ohio	American Family	$655	$55
Ohio	American Family	$329	$27
Ohio	American Family	$632	$53
Ohio	American Family	$320	$27
Ohio	American Family	$594	$50
Ohio	American Family	$321	$27
Oklahoma	State Farm	$1,406	$117
Oklahoma	State Farm	$489	$41
Oklahoma	State Farm	$1,117	$93
Oklahoma	State Farm	$402	$33
Oklahoma	State Farm	$998	$83
Oklahoma	State Farm	$378	$31
Oregon	American Family	$1,253	$104
Oregon	Kemper	$808	$67
Oregon	American Family	$1,135	$95
Oregon	Capital Insurance Group	$699	$58
Oregon	American Family	$1,092	$91
Oregon	Capital Insurance Group	$639	$53
Pennsylvania	Travelers	$1,063	$89
Pennsylvania	Westfield	$406	$34
Pennsylvania	Travelers	$949	$79
Pennsylvania	Westfield	$310	$26
Pennsylvania	Travelers	$904	$75
Pennsylvania	Westfield	$306	$26
Rhode Island	Amica Mutual	$964	$80
Rhode Island	Amica Mutual	$458	$38
Rhode Island	Amica Mutual	$888	$74
Rhode Island	Amica Mutual	$422	$35
Rhode Island	State Farm	$1,031	$86
Rhode Island	State Farm	$526	$44
South Carolina	American National P&C	$816	$68
South Carolina	American National P&C	$442	$37
South Carolina	American National P&C	$676	$56
South Carolina	American National P&C	$383	$32
South Carolina	American National P&C	$717	$60
South Carolina	American National P&C	$437	$36
South Dakota	American Family	$961	$80
South Dakota	State Farm	$380	$32
South Dakota	American Family	$877	$73
South Dakota	State Farm	$314	$26
South Dakota	American Family	$827	$69
South Dakota	Farmers Mutual of Nebraska	$293	$24
Tennessee	Grange Insurance	$1,150	$96
Tennessee	Tennessee Farm Bureau	$370	$31
Tennessee	Tennessee Farm Bureau	$860	$72
Tennessee	Tennessee Farm Bureau	$276	$23
Tennessee	Tennessee Farm Bureau	$746	$62
Tennessee	Tennessee Farm Bureau	$264	$22
Texas	State Farm	$1,463	$122
Texas	State Farm	$593	$49
Texas	State Farm	$1,157	$96
Texas	State Farm	$497	$41
Texas	State Farm	$1,059	$88
Texas	State Farm	$468	$39
Utah	American Family	$1,114	$93
Utah	American Family	$717	$60
Utah	American Family	$891	$74
Utah	American Family	$585	$49
Utah	American Family	$884	$74
Utah	American Family	$588	$49
Vermont	State Farm	$754	$63
Vermont	State Farm	$279	$23
Vermont	Vermont Mutual	$523	$44
Vermont	Vermont Mutual	$219	$18
Vermont	Vermont Mutual	$523	$44
Vermont	Vermont Mutual	$219	$18
Virginia	Auto-Owners Insurance Co	$1,008	$84
Virginia	Auto-Owners Insurance Co	$451	$38
Virginia	Auto-Owners Insurance Co	$744	$62
Virginia	Auto-Owners Insurance Co	$358	$30
Virginia	Auto-Owners Insurance Co	$776	$65
Virginia	Auto-Owners Insurance Co	$402	$34
Washington	PEMCO	$888	$74
Washington	PEMCO	$406	$34
Washington	PEMCO	$765	$64
Washington	PEMCO	$350	$29
Washington	PEMCO	$863	$72
Washington	PEMCO	$403	$34
West Virginia	Erie	$1,530	$128
West Virginia	Erie	$644	$54
West Virginia	Erie	$1,233	$103
West Virginia	Erie	$525	$44
West Virginia	Erie	$1,212	$101
West Virginia	Erie	$519	$43
Wisconsin	American Family	$681	$57
Wisconsin	American Family	$392	$33
Wisconsin	American Family	$637	$53
Wisconsin	Western National	$274	$23
Wisconsin	American Family	$598	$50
Wisconsin	Western National	$264	$22
Wyoming	Farmers	$1,067	$89
Wyoming	GEICO	$291	$24
Wyoming	State Farm	$871	$73
Wyoming	State Farm	$255	$21
Wyoming	State Farm	$755	$63
Wyoming	State Farm	$221	$18

Cheapest Car Insurance for Drivers With a DUI: State Farm

A DUI can increase your rates by hundreds or even thousands of dollars per year. A company that raises your premium less than its competitors could save you a lot of money.

Cheap Full Coverage Car Insurance for Drivers With a DUI:

State Farm: $1,540 per year, $128 per month
Progressive: $1,593 per year, $133 per month

Cheap Liability-Only Car Insurance for Drivers With a DUI:

Progressive: $674 per year, $56 per month
State Farm: $740 per year, $62 per month

To find the cheapest car insurance with a DUI, compare quotes by using the table below to find the cheapest full coverage or liability-only policies by your age range.

Age Range

Coverage Options

Company	Annual Premium	Monthly Premium
Progressive	$1,888	$157
Progressive	$761	$63
State Farm	$1,540	$128
Progressive	$674	$56
State Farm	$1,415	$118
State Farm	$692	$58
State Farm	$1,894	$158
Travelers	$877	$73
Progressive	$1,593	$133
State Farm	$740	$62
Progressive	$1,652	$138
Progressive	$730	$61
Travelers	$1,960	$163
State Farm	$879	$73
Travelers	$1,810	$151
Farmers	$840	$70
Farmers	$1,874	$156
Farmers	$913	$76
Farmers	$2,142	$178
Farmers	$972	$81
Farmers	$1,856	$155
Travelers	$848	$71
Travelers	$1,878	$156
Travelers	$934	$78
Allstate	$2,201	$183
Allstate	$1,137	$95
Allstate	$1,981	$165
Allstate	$1,068	$89
Nationwide	$1,885	$157
Nationwide	$1,048	$87
Nationwide	$2,357	$196
Nationwide	$1,266	$105
Nationwide	$1,999	$167
Nationwide	$1,074	$90
Allstate	$2,013	$168
Allstate	$1,122	$93
GEICO	$3,154	$263
GEICO	$1,404	$117
GEICO	$2,913	$243
GEICO	$1,319	$110
GEICO	$3,011	$251
GEICO	$1,404	$117

Most Affordable for Drivers With a DUI by State

A DUI is one of the most severe common driving violations, which is why it’s essential to compare quotes from several insurers to find the cheapest and best rate available to you. Depending on the state, you may also be required to have SR-22 insurance.

As a starting point, use the table below to find the cheapest car insurance companies after a DUI. Navigate through average premiums from national and midtier providers by state, age range and coverage option (full coverage or liability-only).

Age Range

Coverage Options

State	Company	Annual Premium	Monthly Premium
Alabama	State Farm	$1,070	$89
Alabama	State Farm	$380	$32
Alabama	State Farm	$831	$69
Alabama	State Farm	$312	$26
Alabama	State Farm	$758	$63
Alabama	State Farm	$294	$24
Alaska	State Farm	$1,388	$116
Alaska	State Farm	$582	$49
Alaska	Umialik Insurance	$1,119	$93
Alaska	Umialik Insurance	$458	$38
Alaska	Umialik Insurance	$1,017	$85
Alaska	Umialik Insurance	$439	$37
Arizona	Root Insurance Company	$792	$66
Arizona	Root Insurance Company	$503	$42
Arizona	Root Insurance Company	$790	$66
Arizona	Root Insurance Company	$498	$42
Arizona	Root Insurance Company	$846	$71
Arizona	Root Insurance Company	$533	$44
Arkansas	Southern Farm Bureau	$1,021	$85
Arkansas	Southern Farm Bureau	$415	$35
Arkansas	Southern Farm Bureau	$841	$70
Arkansas	Southern Farm Bureau	$336	$28
Arkansas	Southern Farm Bureau	$749	$62
Arkansas	Southern Farm Bureau	$298	$25
California	CSAA	$1,458	$122
California	CSAA	$436	$36
California	National General	$1,280	$107
California	CSAA	$428	$36
California	National General	$1,301	$108
California	CSAA	$471	$39
Colorado	American National P&C	$1,095	$91
Colorado	American National P&C	$451	$38
Colorado	American National P&C	$872	$73
Colorado	American National P&C	$375	$31
Colorado	American National P&C	$886	$74
Colorado	American National P&C	$431	$36
Connecticut	State Farm	$1,693	$141
Connecticut	State Farm	$824	$69
Connecticut	State Farm	$1,367	$114
Connecticut	State Farm	$692	$58
Connecticut	State Farm	$1,283	$107
Connecticut	State Farm	$657	$55
Delaware	Travelers	$1,665	$139
Delaware	Travelers	$819	$68
Delaware	Travelers	$1,523	$127
Delaware	Travelers	$859	$72
Delaware	State Farm	$1,485	$124
Delaware	State Farm	$870	$73
District of Columbia	Progressive	$1,774	$148
District of Columbia	Chubb	$932	$78
District of Columbia	Erie	$1,469	$122
District of Columbia	Chubb	$773	$64
District of Columbia	Erie	$1,515	$126
District of Columbia	Chubb	$745	$62
Florida	State Farm	$1,847	$154
Florida	State Farm	$899	$75
Florida	State Farm	$1,555	$130
Florida	State Farm	$787	$66
Florida	State Farm	$1,428	$119
Florida	State Farm	$733	$61
Georgia	Allstate	$1,439	$120
Georgia	Allstate	$883	$74
Georgia	Country Financial	$1,334	$111
Georgia	Country Financial	$673	$56
Georgia	Country Financial	$1,170	$98
Georgia	Country Financial	$600	$50
Hawaii	State Farm	$881	$73
Hawaii	State Farm	$408	$34
Hawaii	State Farm	$881	$73
Hawaii	State Farm	$408	$34
Hawaii	State Farm	$881	$73
Hawaii	State Farm	$408	$34
Idaho	State Farm	$699	$58
Idaho	State Farm	$277	$23
Idaho	State Farm	$546	$46
Idaho	State Farm	$230	$19
Idaho	State Farm	$505	$42
Idaho	State Farm	$217	$18
Illinois	American Family	$942	$79
Illinois	Mercury	$492	$41
Illinois	American Family	$881	$73
Illinois	Mercury	$374	$31
Illinois	American Family	$861	$72
Illinois	Mercury	$426	$35
Indiana	American Family	$815	$68
Indiana	Progressive	$419	$35
Indiana	American Family	$762	$64
Indiana	Progressive	$364	$30
Indiana	American Family	$747	$62
Indiana	Progressive	$399	$33
Iowa	American Family	$908	$76
Iowa	Progressive	$260	$22
Iowa	Progressive	$835	$70
Iowa	Progressive	$194	$16
Iowa	Progressive	$714	$60
Iowa	Progressive	$179	$15
Kansas	American Family	$1,258	$105
Kansas	Travelers	$628	$52
Kansas	American Family	$1,059	$88
Kansas	State Farm	$539	$45
Kansas	American Family	$966	$81
Kansas	State Farm	$508	$42
Kentucky	Shelter	$1,341	$112
Kentucky	Shelter	$711	$59
Kentucky	Shelter	$1,341	$112
Kentucky	State Farm	$623	$52
Kentucky	Shelter	$1,341	$112
Kentucky	State Farm	$586	$49
Louisiana	Louisiana Farm Bureau	$2,185	$182
Louisiana	State Farm	$1,061	$88
Louisiana	Louisiana Farm Bureau	$1,404	$117
Louisiana	Louisiana Farm Bureau	$678	$56
Louisiana	Louisiana Farm Bureau	$1,756	$146
Louisiana	Louisiana Farm Bureau	$894	$74
Maine	Progressive	$1,075	$90
Maine	Countryway Insurance	$497	$41
Maine	Progressive	$880	$73
Maine	Countryway Insurance	$410	$34
Maine	Progressive	$878	$73
Maine	Countryway Insurance	$407	$34
Maryland	State Farm	$1,615	$135
Maryland	Progressive	$821	$68
Maryland	State Farm	$1,300	$108
Maryland	State Farm	$706	$59
Maryland	State Farm	$1,353	$113
Maryland	State Farm	$747	$62
Massachusetts	State Farm	$875	$73
Massachusetts	State Farm	$447	$37
Massachusetts	State Farm	$875	$73
Massachusetts	Hanover	$389	$32
Massachusetts	State Farm	$664	$55
Massachusetts	Hanover	$300	$25
Michigan	Chubb	$1,447	$121
Michigan	Travelers	$502	$42
Michigan	Chubb	$1,297	$108
Michigan	Travelers	$481	$40
Michigan	Chubb	$1,080	$90
Michigan	Chubb	$435	$36
Minnesota	American Family	$995	$83
Minnesota	American Family	$594	$50
Minnesota	American Family	$984	$82
Minnesota	Western National	$510	$43
Minnesota	American Family	$914	$76
Minnesota	State Farm	$486	$41
Mississippi	State Farm	$1,176	$98
Mississippi	State Farm	$406	$34
Mississippi	State Farm	$931	$78
Mississippi	State Farm	$333	$28
Mississippi	State Farm	$836	$70
Mississippi	State Farm	$313	$26
Missouri	American Family	$1,238	$103
Missouri	Progressive	$512	$43
Missouri	American Family	$1,162	$97
Missouri	Progressive	$431	$36
Missouri	American Family	$1,083	$90
Missouri	Progressive	$467	$39
Montana	State Farm	$787	$66
Montana	State Farm	$222	$18
Montana	State Farm	$713	$59
Montana	State Farm	$199	$17
Montana	State Farm	$636	$53
Montana	State Farm	$184	$15
Nebraska	American National P&C	$735	$61
Nebraska	American National P&C	$268	$22
Nebraska	American National P&C	$589	$49
Nebraska	American National P&C	$226	$19
Nebraska	American National P&C	$577	$48
Nebraska	American National P&C	$257	$21
Nevada	State Farm	$1,799	$150
Nevada	State Farm	$970	$81
Nevada	State Farm	$1,428	$119
Nevada	State Farm	$796	$66
Nevada	State Farm	$1,332	$111
Nevada	State Farm	$749	$62
New Hampshire	Progressive	$982	$82
New Hampshire	Hanover	$319	$27
New Hampshire	Progressive	$805	$67
New Hampshire	Hanover	$283	$24
New Hampshire	Progressive	$860	$72
New Hampshire	Hanover	$284	$24
New Jersey	Plymouth Rock Assurance	$1,223	$102
New Jersey	Plymouth Rock Assurance	$588	$49
New Jersey	Plymouth Rock Assurance	$1,104	$92
New Jersey	Plymouth Rock Assurance	$549	$46
New Jersey	NJM	$935	$78
New Jersey	Plymouth Rock Assurance	$549	$46
New Mexico	Progressive	$1,050	$87
New Mexico	Progressive	$376	$31
New Mexico	Progressive	$878	$73
New Mexico	Progressive	$340	$28
New Mexico	Progressive	$888	$74
New Mexico	Progressive	$354	$29
New York	Progressive	$1,257	$105
New York	Progressive	$765	$64
New York	Progressive	$1,132	$94
New York	Progressive	$722	$60
New York	Progressive	$1,165	$97
New York	Progressive	$759	$63
North Carolina	National General	$2,302	$192
North Carolina	National General	$675	$56
North Carolina	State Farm	$1,885	$157
North Carolina	National General	$628	$52
North Carolina	State Farm	$1,846	$154
North Carolina	National General	$701	$58
North Dakota	American Family	$836	$70
North Dakota	Nodak Mutual	$388	$32
North Dakota	American Family	$723	$60
North Dakota	American Family	$337	$28
North Dakota	American Family	$647	$54
North Dakota	Nodak Mutual	$293	$24
Ohio	American Family	$632	$53
Ohio	American Family	$323	$27
Ohio	American Family	$612	$51
Ohio	American Family	$314	$26
Ohio	American Family	$574	$48
Ohio	State Farm	$306	$26
Oklahoma	State Farm	$1,309	$109
Oklahoma	Progressive	$388	$32
Oklahoma	State Farm	$1,043	$87
Oklahoma	Progressive	$329	$27
Oklahoma	State Farm	$929	$77
Oklahoma	State Farm	$343	$29
Oregon	American Family	$1,205	$100
Oregon	Progressive	$631	$53
Oregon	American Family	$1,094	$91
Oregon	Progressive	$582	$48
Oregon	American Family	$1,050	$88
Oregon	Progressive	$617	$51
Pennsylvania	Travelers	$1,151	$96
Pennsylvania	Travelers	$447	$37
Pennsylvania	Allstate	$1,026	$86
Pennsylvania	Travelers	$424	$35
Pennsylvania	Allstate	$904	$75
Pennsylvania	State Farm	$409	$34
Rhode Island	State Farm	$1,249	$104
Rhode Island	State Farm	$622	$52
Rhode Island	State Farm	$1,014	$85
Rhode Island	State Farm	$508	$42
Rhode Island	State Farm	$1,031	$86
Rhode Island	State Farm	$526	$44
South Carolina	American National P&C	$918	$76
South Carolina	American National P&C	$500	$42
South Carolina	American National P&C	$756	$63
South Carolina	American National P&C	$431	$36
South Carolina	American National P&C	$806	$67
South Carolina	American National P&C	$494	$41
South Dakota	American Family	$949	$79
South Dakota	State Farm	$347	$29
South Dakota	American Family	$868	$72
South Dakota	State Farm	$288	$24
South Dakota	American Family	$813	$68
South Dakota	State Farm	$272	$23
Tennessee	Farmers	$1,248	$104
Tennessee	Progressive	$477	$40
Tennessee	Farmers	$1,091	$91
Tennessee	Progressive	$388	$32
Tennessee	State Farm	$991	$83
Tennessee	State Farm	$379	$32
Texas	Texas Farm Bureau	$1,872	$156
Texas	Dairyland	$665	$55
Texas	Texas Farm Bureau	$1,488	$124
Texas	Dairyland	$562	$47
Texas	Texas Farm Bureau	$1,241	$103
Texas	Dairyland	$545	$45
Utah	Progressive	$1,351	$113
Utah	Progressive	$601	$50
Utah	American Family	$1,086	$90
Utah	Progressive	$534	$45
Utah	American Family	$1,080	$90
Utah	Progressive	$587	$49
Vermont	State Farm	$697	$58
Vermont	State Farm	$257	$21
Vermont	State Farm	$550	$46
Vermont	State Farm	$217	$18
Vermont	State Farm	$510	$43
Vermont	State Farm	$206	$17
Virginia	Virginia Farm Bureau	$1,039	$87
Virginia	Virginia Farm Bureau	$436	$36
Virginia	Virginia Farm Bureau	$945	$79
Virginia	Mercury	$381	$32
Virginia	State Farm	$1,020	$85
Virginia	Mercury	$399	$33
Washington	PEMCO	$1,043	$87
Washington	PEMCO	$490	$41
Washington	PEMCO	$927	$77
Washington	PEMCO	$438	$36
Washington	State Farm	$861	$72
Washington	State Farm	$401	$33
West Virginia	State Farm	$1,577	$131
West Virginia	State Farm	$629	$52
West Virginia	State Farm	$1,287	$107
West Virginia	State Farm	$526	$44
West Virginia	State Farm	$1,182	$99
West Virginia	State Farm	$499	$42
Wisconsin	American Family	$804	$67
Wisconsin	Western National	$427	$36
Wisconsin	American Family	$758	$63
Wisconsin	Western National	$274	$23
Wisconsin	American Family	$715	$60
Wisconsin	Western National	$264	$22
Wyoming	State Farm	$1,011	$84
Wyoming	State Farm	$291	$24
Wyoming	State Farm	$808	$67
Wyoming	State Farm	$233	$19
Wyoming	State Farm	$701	$58
Wyoming	State Farm	$201	$17

Cheapest Car Insurance for Drivers With a Ticket: Nationwide

Similar to having an accident on record, having a ticket on record can impact your car insurance premiums, typically for 3–5 years. The best way to find a cheap car insurance policy with a ticket on record is to gather quotes and comparison shop with at least three providers.

Cheap Full Coverage Car Insurance for Drivers With a Ticket:

Nationwide: $1,228 per year, $102 per month
State Farm: $1,283 per year, $107 per month

Cheap Liability-Only Car Insurance for Drivers With a Ticket:

State Farm: $583 per year, $49 per month
Nationwide: $643 per year, $54 per month

Use the table below to find the most affordable car insurance company after a ticket and filter through liability-only or full coverage policies and different age ranges.

Age Range

Coverage Options

Company	Annual Premium	Monthly Premium
Nationwide	$1,474	$123
State Farm	$693	$58
Nationwide	$1,228	$102
State Farm	$583	$49
Nationwide	$1,140	$95
State Farm	$548	$46
State Farm	$1,584	$132
Travelers	$729	$61
State Farm	$1,283	$107
Nationwide	$643	$54
State Farm	$1,178	$98
Nationwide	$626	$52
Travelers	$1,611	$134
GEICO	$742	$62
GEICO	$1,464	$122
GEICO	$649	$54
GEICO	$1,472	$123
GEICO	$673	$56
GEICO	$1,688	$141
Progressive	$765	$64
Travelers	$1,484	$124
Progressive	$678	$56
Travelers	$1,528	$127
Progressive	$735	$61
Allstate	$1,722	$143
Nationwide	$802	$67
Allstate	$1,555	$130
Travelers	$705	$59
Allstate	$1,595	$133
Travelers	$773	$64
Progressive	$1,932	$161
Farmers	$888	$74
Progressive	$1,635	$136
Farmers	$758	$63
Progressive	$1,686	$141
Farmers	$817	$68
Farmers	$1,983	$165
Allstate	$895	$75
Farmers	$1,703	$142
Allstate	$846	$71
Farmers	$1,704	$142
Allstate	$900	$75

Most Affordable Insurance for Drivers With a Ticket by State

Explore the table below to find national and midtier providers available in your state offering affordable policies for drivers with tickets. Filter the table and compare providers based on your state, age range and desired coverage level to find the best option for you.

Age Range

Coverage Options

State	Company	Annual Premium	Monthly Premium
Alabama	State Farm	$1,070	$89
Alabama	State Farm	$380	$32
Alabama	State Farm	$831	$69
Alabama	Cincinnati Insurance	$302	$25
Alabama	State Farm	$758	$63
Alabama	Cincinnati Insurance	$260	$22
Alaska	GEICO	$1,106	$92
Alaska	GEICO	$538	$45
Alaska	Umialik Insurance	$1,119	$93
Alaska	Umialik Insurance	$458	$38
Alaska	Umialik Insurance	$1,017	$85
Alaska	Umialik Insurance	$439	$37
Arizona	Root Insurance Company	$879	$73
Arizona	Root Insurance Company	$564	$47
Arizona	Root Insurance Company	$877	$73
Arizona	Auto-Owners Insurance Co	$435	$36
Arizona	Auto-Owners Insurance Co	$898	$75
Arizona	Auto-Owners Insurance Co	$424	$35
Arkansas	Southern Farm Bureau	$914	$76
Arkansas	Hanover	$363	$30
Arkansas	Southern Farm Bureau	$756	$63
Arkansas	Southern Farm Bureau	$296	$25
Arkansas	Southern Farm Bureau	$675	$56
Arkansas	Southern Farm Bureau	$262	$22
California	CSAA	$516	$43
California	CSAA	$158	$13
California	CSAA	$466	$39
California	CSAA	$155	$13
California	CSAA	$464	$39
California	CSAA	$170	$14
Colorado	American National P&C	$848	$71
Colorado	American National P&C	$334	$28
Colorado	American National P&C	$681	$57
Colorado	American National P&C	$279	$23
Colorado	American National P&C	$678	$57
Colorado	American National P&C	$319	$27
Connecticut	GEICO	$1,113	$93
Connecticut	GEICO	$498	$41
Connecticut	GEICO	$918	$77
Connecticut	GEICO	$413	$34
Connecticut	GEICO	$903	$75
Connecticut	GEICO	$421	$35
Delaware	Travelers	$980	$82
Delaware	Travelers	$473	$39
Delaware	Travelers	$900	$75
Delaware	Travelers	$477	$40
Delaware	Travelers	$899	$75
Delaware	Travelers	$493	$41
District of Columbia	Erie	$1,246	$104
District of Columbia	Chubb	$564	$47
District of Columbia	Erie	$1,017	$85
District of Columbia	Chubb	$404	$34
District of Columbia	Erie	$1,032	$86
District of Columbia	Chubb	$377	$31
Florida	State Farm	$1,847	$154
Florida	Travelers	$887	$74
Florida	State Farm	$1,555	$130
Florida	State Farm	$787	$66
Florida	State Farm	$1,428	$119
Florida	State Farm	$733	$61
Georgia	Allstate	$1,212	$101
Georgia	Auto-Owners Insurance Co	$613	$51
Georgia	Auto-Owners Insurance Co	$965	$80
Georgia	Auto-Owners Insurance Co	$431	$36
Georgia	Country Financial	$961	$80
Georgia	Country Financial	$478	$40
Hawaii	GEICO	$601	$50
Hawaii	GEICO	$223	$19
Hawaii	GEICO	$601	$50
Hawaii	GEICO	$223	$19
Hawaii	GEICO	$601	$50
Hawaii	GEICO	$223	$19
Idaho	American National P&C	$666	$56
Idaho	American National P&C	$244	$20
Idaho	Auto-Owners Insurance Co	$502	$42
Idaho	American National P&C	$203	$17
Idaho	Auto-Owners Insurance Co	$495	$41
Idaho	Auto-Owners Insurance Co	$215	$18
Illinois	American Family	$942	$79
Illinois	Auto-Owners Insurance Co	$487	$41
Illinois	Auto-Owners Insurance Co	$874	$73
Illinois	Auto-Owners Insurance Co	$382	$32
Illinois	Auto-Owners Insurance Co	$844	$70
Illinois	Auto-Owners Insurance Co	$397	$33
Indiana	American Family	$815	$68
Indiana	Auto-Owners Insurance Co	$388	$32
Indiana	Auto-Owners Insurance Co	$733	$61
Indiana	Auto-Owners Insurance Co	$306	$25
Indiana	Auto-Owners Insurance Co	$707	$59
Indiana	Auto-Owners Insurance Co	$315	$26
Iowa	West Bend Mutual	$866	$72
Iowa	Progressive	$288	$24
Iowa	West Bend Mutual	$724	$60
Iowa	Progressive	$220	$18
Iowa	West Bend Mutual	$725	$60
Iowa	Progressive	$220	$18
Kansas	Nationwide	$1,042	$87
Kansas	Nationwide	$473	$39
Kansas	Nationwide	$909	$76
Kansas	Nationwide	$391	$33
Kansas	Nationwide	$819	$68
Kansas	Nationwide	$379	$32
Kentucky	Shelter	$1,035	$86
Kentucky	Cincinnati Insurance	$388	$32
Kentucky	Auto-Owners Insurance Co	$957	$80
Kentucky	Cincinnati Insurance	$309	$26
Kentucky	Cincinnati Insurance	$782	$65
Kentucky	Cincinnati Insurance	$270	$23
Louisiana	Louisiana Farm Bureau	$1,813	$151
Louisiana	GEICO	$735	$61
Louisiana	Louisiana Farm Bureau	$1,171	$98
Louisiana	Louisiana Farm Bureau	$558	$47
Louisiana	Louisiana Farm Bureau	$1,460	$122
Louisiana	Louisiana Farm Bureau	$736	$61
Maine	Concord Group	$868	$72
Maine	GEICO	$445	$37
Maine	Vermont Mutual	$615	$51
Maine	Vermont Mutual	$287	$24
Maine	Vermont Mutual	$583	$49
Maine	Vermont Mutual	$273	$23
Maryland	State Farm	$1,615	$135
Maryland	Progressive	$803	$67
Maryland	State Farm	$1,300	$108
Maryland	State Farm	$706	$59
Maryland	State Farm	$1,353	$113
Maryland	State Farm	$747	$62
Massachusetts	State Farm	$552	$46
Massachusetts	State Farm	$263	$22
Massachusetts	State Farm	$552	$46
Massachusetts	State Farm	$263	$22
Massachusetts	State Farm	$421	$35
Massachusetts	State Farm	$198	$17
Michigan	Chubb	$1,447	$121
Michigan	Travelers	$199	$17
Michigan	Chubb	$1,297	$108
Michigan	Travelers	$179	$15
Michigan	Chubb	$1,080	$90
Michigan	Travelers	$165	$14
Minnesota	American Family	$995	$83
Minnesota	Westfield	$522	$44
Minnesota	Iowa Farm Bureau	$948	$79
Minnesota	Westfield	$435	$36
Minnesota	Iowa Farm Bureau	$837	$70
Minnesota	Iowa Farm Bureau	$438	$36
Mississippi	Mississippi Farm Bureau	$1,119	$93
Mississippi	State Farm	$406	$34
Mississippi	Mississippi Farm Bureau	$863	$72
Mississippi	State Farm	$333	$28
Mississippi	Mississippi Farm Bureau	$751	$63
Mississippi	Mississippi Farm Bureau	$308	$26
Missouri	American Family	$1,238	$103
Missouri	Progressive	$565	$47
Missouri	Nationwide	$1,161	$97
Missouri	Progressive	$485	$40
Missouri	Nationwide	$1,074	$89
Missouri	Progressive	$534	$44
Montana	State Farm	$787	$66
Montana	State Farm	$222	$18
Montana	State Farm	$713	$59
Montana	State Farm	$199	$17
Montana	State Farm	$636	$53
Montana	State Farm	$184	$15
Nebraska	American National P&C	$584	$49
Nebraska	American National P&C	$203	$17
Nebraska	American National P&C	$476	$40
Nebraska	American National P&C	$172	$14
Nebraska	American National P&C	$455	$38
Nebraska	American National P&C	$195	$16
Nevada	Nationwide	$1,576	$131
Nevada	Nationwide	$855	$71
Nevada	Country Financial	$1,201	$100
Nevada	Nationwide	$639	$53
Nevada	Country Financial	$1,142	$95
Nevada	Capital Insurance Group	$615	$51
New Hampshire	Hanover	$973	$81
New Hampshire	Hanover	$256	$21
New Hampshire	Safety Group	$679	$57
New Hampshire	Hanover	$229	$19
New Hampshire	Safety Group	$664	$55
New Hampshire	Hanover	$230	$19
New Jersey	Plymouth Rock Assurance	$1,223	$102
New Jersey	GEICO	$543	$45
New Jersey	GEICO	$1,059	$88
New Jersey	GEICO	$478	$40
New Jersey	NJM	$935	$78
New Jersey	GEICO	$470	$39
New Mexico	Progressive	$1,178	$98
New Mexico	Progressive	$406	$34
New Mexico	Progressive	$1,000	$83
New Mexico	Progressive	$368	$31
New Mexico	State Farm	$947	$79
New Mexico	Iowa Farm Bureau	$366	$31
New York	Progressive	$1,246	$104
New York	Progressive	$759	$63
New York	Progressive	$1,120	$93
New York	Kemper	$680	$57
New York	Progressive	$1,134	$95
New York	Kemper	$657	$55
North Carolina	Progressive	$885	$74
North Carolina	North Carolina Farm Bureau	$482	$40
North Carolina	State Farm	$732	$61
North Carolina	State Farm	$379	$32
North Carolina	State Farm	$719	$60
North Carolina	State Farm	$372	$31
North Dakota	American Family	$836	$70
North Dakota	Nodak Mutual	$293	$24
North Dakota	American Family	$723	$60
North Dakota	Nodak Mutual	$267	$22
North Dakota	American Family	$647	$54
North Dakota	Nodak Mutual	$222	$19
Ohio	American Family	$632	$53
Ohio	American Family	$323	$27
Ohio	American Family	$612	$51
Ohio	Auto-Owners Insurance Co	$257	$21
Ohio	Nationwide	$573	$48
Ohio	Auto-Owners Insurance Co	$258	$22
Oklahoma	GEICO	$1,238	$103
Oklahoma	Progressive	$441	$37
Oklahoma	State Farm	$1,043	$87
Oklahoma	State Farm	$365	$30
Oklahoma	State Farm	$929	$77
Oklahoma	State Farm	$343	$29
Oregon	American Family	$1,205	$100
Oregon	Progressive	$685	$57
Oregon	American Family	$1,094	$91
Oregon	Country Financial	$624	$52
Oregon	American Family	$1,050	$88
Oregon	Capital Insurance Group	$592	$49
Pennsylvania	Auto-Owners Insurance Co	$928	$77
Pennsylvania	Auto-Owners Insurance Co	$368	$31
Pennsylvania	Auto-Owners Insurance Co	$790	$66
Pennsylvania	Auto-Owners Insurance Co	$324	$27
Pennsylvania	Auto-Owners Insurance Co	$750	$63
Pennsylvania	Auto-Owners Insurance Co	$324	$27
Rhode Island	Travelers	$1,234	$103
Rhode Island	Travelers	$554	$46
Rhode Island	State Farm	$1,014	$85
Rhode Island	State Farm	$508	$42
Rhode Island	State Farm	$1,031	$86
Rhode Island	State Farm	$526	$44
South Carolina	American National P&C	$816	$68
South Carolina	American National P&C	$442	$37
South Carolina	American National P&C	$676	$56
South Carolina	American National P&C	$383	$32
South Carolina	American National P&C	$717	$60
South Carolina	American National P&C	$437	$36
South Dakota	American Family	$949	$79
South Dakota	State Farm	$347	$29
South Dakota	American Family	$868	$72
South Dakota	Farmers Mutual of Nebraska	$260	$22
South Dakota	Farmers Mutual of Nebraska	$811	$68
South Dakota	Farmers Mutual of Nebraska	$237	$20
Tennessee	Farmers	$1,171	$98
Tennessee	Tennessee Farm Bureau	$370	$31
Tennessee	Tennessee Farm Bureau	$860	$72
Tennessee	Tennessee Farm Bureau	$276	$23
Tennessee	Tennessee Farm Bureau	$746	$62
Tennessee	Tennessee Farm Bureau	$264	$22
Texas	Texas Farm Bureau	$932	$78
Texas	Texas Farm Bureau	$433	$36
Texas	Texas Farm Bureau	$760	$63
Texas	Texas Farm Bureau	$339	$28
Texas	Texas Farm Bureau	$629	$52
Texas	Texas Farm Bureau	$295	$25
Utah	Nationwide	$1,023	$85
Utah	Nationwide	$631	$53
Utah	Nationwide	$852	$71
Utah	Farmers Union Insurance	$508	$42
Utah	Nationwide	$797	$66
Utah	Nationwide	$496	$41
Vermont	State Farm	$697	$58
Vermont	State Farm	$257	$21
Vermont	State Farm	$550	$46
Vermont	State Farm	$217	$18
Vermont	State Farm	$510	$43
Vermont	State Farm	$206	$17
Virginia	Nationwide	$1,021	$85
Virginia	Auto-Owners Insurance Co	$504	$42
Virginia	Auto-Owners Insurance Co	$821	$68
Virginia	American Family	$374	$31
Virginia	Nationwide	$831	$69
Virginia	Mercury	$413	$34
Washington	PEMCO	$817	$68
Washington	PEMCO	$366	$30
Washington	PEMCO	$698	$58
Washington	PEMCO	$313	$26
Washington	PEMCO	$793	$66
Washington	PEMCO	$362	$30
West Virginia	Erie	$1,367	$114
West Virginia	Erie	$564	$47
West Virginia	Erie	$1,105	$92
West Virginia	Westfield	$442	$37
West Virginia	Westfield	$1,060	$88
West Virginia	Westfield	$415	$35
Wisconsin	American Family	$804	$67
Wisconsin	Erie	$334	$28
Wisconsin	AAA	$690	$57
Wisconsin	Erie	$267	$22
Wisconsin	AAA	$607	$51
Wisconsin	Western National	$264	$22
Wyoming	Farmers	$936	$78
Wyoming	State Farm	$291	$24
Wyoming	State Farm	$808	$67
Wyoming	State Farm	$233	$19
Wyoming	State Farm	$701	$58
Wyoming	State Farm	$201	$17

Cheapest Car Insurance for Drivers With Bad Credit: Nationwide

If you have bad credit, Nationwide is the cheapest auto insurance provider for both full coverage and liability-only policies. Meanwhile, Travelers is the second-cheapest provider for full coverage while GEICO is the second-cheapest for a liability-only policy for drivers with bad credit.

Cheap Full Coverage Car Insurance for Drivers With Bad Credit:

Nationwide: $1,324 per year, $110 per month
Travelers: $1,844 per year, $154 per month

Cheap Liability-Only Car Insurance for Drivers With Bad Credit:

Nationwide: $693 per year, $58 per month
GEICO: $835 per year, $70 per month

According to the National Association of Insurance Commissioners (NAIC), car insurance companies may increase rates for drivers with lower credit scores to compensate for the elevated risk that you'll make more claims. Indeed, FICO states that 95% of personal insurers use credit-based insurance scores to evaluate the risk of an applicant in states that allow this practice.

Age Range

Coverage Options

Company	Annual Premium	Monthly Premium
Nationwide	$1,645	$137
Nationwide	$893	$74
Nationwide	$1,324	$110
Nationwide	$693	$58
Nationwide	$1,211	$101
Nationwide	$671	$56
Travelers	$2,081	$173
GEICO	$988	$82
Travelers	$1,844	$154
GEICO	$835	$70
GEICO	$1,833	$153
GEICO	$851	$71
GEICO	$2,262	$188
Travelers	$1,028	$86
GEICO	$1,882	$157
Farmers	$939	$78
Travelers	$1,858	$155
Farmers	$970	$81
Allstate	$2,277	$190
Progressive	$1,103	$92
Allstate	$2,053	$171
Travelers	$961	$80
Farmers	$2,008	$167
Travelers	$992	$83
Farmers	$2,486	$207
Farmers	$1,122	$93
Farmers	$2,085	$174
Progressive	$996	$83
Allstate	$2,102	$175
Progressive	$1,020	$85
Progressive	$2,734	$228
Allstate	$1,150	$96
Progressive	$2,279	$190
Allstate	$1,089	$91
Progressive	$2,215	$185
Allstate	$1,160	$97
State Farm	$3,920	$327
State Farm	$1,661	$138
State Farm	$3,145	$262
State Farm	$1,387	$116
State Farm	$2,885	$240
State Farm	$1,308	$109

Most Affordable for Drivers With Bad Credit By State

Finding the cheapest car insurance for poor credit in your state can be a great way to get savings on your monthly bill. However, in states like California, Hawaii and Massachusetts, insurers are not allowed to consider your credit score.

If you live outside of these states and have bad credit, use the table below to find the most affordable auto insurance rates for your profile and filter results by your state, age and coverage preference.

Age

Coverage

State	Company	Annual Premium	Monthly Premium
Alabama	Travelers	$1,593	$133
Alabama	Cincinnati Insurance	$528	$44
Alabama	Nationwide	$1,254	$105
Alabama	Cincinnati Insurance	$415	$35
Alabama	Cincinnati Insurance	$1,055	$88
Alabama	Cincinnati Insurance	$359	$30
Alaska	Allstate	$1,432	$119
Alaska	Allstate	$662	$55
Alaska	Allstate	$1,250	$104
Alaska	Allstate	$578	$48
Alaska	Allstate	$1,513	$126
Alaska	Umialik Insurance	$684	$57

The Cheapest Car Insurance Companies (November 2023)

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On This Page:

Cheapest Car Insurance for Full Coverage: Nationwide

Cheapest Full Coverage Car Insurance by State

Compare Auto Insurance Rates

Cheapest Car Insurance for Liability-Only Coverage: GEICO

Cheapest Car Insurance for Liability-Only by State

Compare Auto Insurance Rates

Cheapest Car Insurance for Drivers by Age

Cheapest Car Insurance for Teens by State

Cheapest Car Insurance for Young Drivers by State

Cheapest Car Insurance for Seniors by State

Compare Auto Insurance Rates

Best Cheap Car Insurance: Travelers

Cheapest Car Insurance for Military Members: USAA

Cheapest Car Insurance For Drivers With Incidents

Cheapest Car Insurance for Drivers With an Accident: State Farm

Most Affordable for Drivers With an Accident by State

Cheapest Car Insurance for Drivers With a DUI: State Farm

Most Affordable for Drivers With a DUI by State

Cheapest Car Insurance for Drivers With a Ticket: Nationwide

Most Affordable Insurance for Drivers With a Ticket by State

Cheapest Car Insurance for Drivers With Bad Credit: Nationwide

Most Affordable for Drivers With Bad Credit By State