Updated: March 6, 2025
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Age impacts car insurance rates. State Farm has the lowest rates for teens aged 16 to 19 and seniors aged 65 to 90. GEICO is the most affordable choice for young adults aged 20 to 29.
Travelers is the best cheap car insurance company, earning a MoneyGeek score of 73 out of 100.
Drivers with accidents or violations on record have higher car insurance rates. State Farm is the cheapest if you have an at-fault accident or a ticket. Progressive is the least expensive if you have a DUI.
The cheapest car insurance providers depend on various factors. Overall, GEICO offers the most affordable minimum coverage. For full coverage, Travelers has the lowest average rate. The sections below show the best rates by policy type, age and driving history.
Minimum car insurance coverage is the legal requirement in your state. GEICO offers the cheapest option at $549 per year or $46 per month. The table below compares the best rates for various age groups.
| GEICO | $549 | $46 |
| Travelers | $556 | $46 |
| Progressive | $567 | $47 |
| State Farm | $572 | $48 |
| Nationwide | $652 | $54 |
| Farmers | $754 | $63 |
| Allstate | $839 | $70 |
Even if you choose the cheapest policy — minimum coverage — your rates will depend on where you live. Click on your state to find your area's most affordable options.
| Alabama | Cincinnati | $289 | $24 |
| Alaska | Progressive | $488 | $41 |
| Arizona | Travelers | $579 | $48 |
| Arkansas | Hanover | $359 | $30 |
| California | CSAA | $142 | $12 |
| Colorado | American National | $373 | $31 |
| Connecticut | GEICO | $552 | $46 |
| Delaware | Travelers | $544 | $45 |
| District of Columbia | Chubb | $532 | $44 |
| Florida | Travelers | $719 | $60 |
| Georgia | Auto-Owners | $630 | $53 |
| Hawaii | GEICO | $275 | $23 |
| Idaho | State Farm | $268 | $22 |
| Illinois | Westfield | $375 | $31 |
| Indiana | Westfield | $300 | $25 |
| Iowa | Progressive | $255 | $21 |
| Kansas | Auto-Owners | $438 | $37 |
| Kentucky | Cincinnati | $381 | $32 |
| Louisiana | GEICO | $685 | $57 |
| Maine | Travelers | $356 | $30 |
| Maryland | State Farm | $832 | $69 |
| Massachusetts | State Farm | $221 | $18 |
| Michigan | Travelers | $489 | $41 |
| Minnesota | Westfield | $348 | $29 |
| Mississippi | Progressive | $363 | $30 |
| Missouri | Travelers | $521 | $43 |
| Montana | State Farm | $182 | $15 |
| Nebraska | American National | $233 | $19 |
| Nevada | COUNTRY Financial | $642 | $53 |
| New Hampshire | Hanover | $214 | $18 |
| New Jersey | Plymouth Rock | $573 | $48 |
| New Mexico | Progressive | $400 | $33 |
| New York | Kemper | $751 | $63 |
| North Carolina | Erie | $306 | $26 |
| North Dakota | Nodak | $341 | $28 |
| Ohio | American Family | $258 | $22 |
| Oklahoma | Mercury | $378 | $31 |
| Oregon | Kemper | $441 | $37 |
| Pennsylvania | Westfield | $298 | $25 |
| Rhode Island | Travelers | $454 | $38 |
| South Carolina | American National | $430 | $36 |
| South Dakota | Farmers Mutual of Nebraska | $272 | $23 |
| Tennessee | Westfield | $342 | $29 |
| Texas | Texas Farm Bureau | $433 | $36 |
| Utah | Progressive | $566 | $47 |
| Vermont | State Farm | $256 | $21 |
| Virginia | Virginia Farm Bureau | $317 | $26 |
| Washington | PEMCO | $229 | $19 |
| West Virginia | GEICO | $578 | $48 |
| Wisconsin | GEICO | $300 | $25 |
| Wyoming | GEICO | $202 | $17 |
*Note: The rates above are for 25-year-old drivers. Actual premiums will depend on your age.
Some states require additional coverages, such as personal injury protection (PIP), medical payments coverage or uninsured and underinsured motorist coverage.
For example, Florida, Michigan and New York mandate PIP coverage, while Maine and Maryland require uninsured/underinsured motorist coverage.
Travelers provides the cheapest full coverage car insurance at $1,116 per year or $93 per month. Filter the table below to find the lowest rates for different age ranges and coverage options.
| Travelers | $1,116 | $93 |
| GEICO | $1,216 | $101 |
| Nationwide | $1,240 | $103 |
| State Farm | $1,293 | $108 |
| Progressive | $1,333 | $111 |
| Allstate | $1,526 | $127 |
| Farmers | $1,564 | $130 |
*Note: The rates shown are for a full coverage policy with 100/300/100 limits and a $1,000 deductible for collision and comprehensive coverages. You can customize your deductibles, choosing different amounts for each coverage.
States regulate insurance individually, which means prices vary by state. To find the cheapest full coverage car insurance in your area, use the table below and select your state to view national and regional insurer options.
| Alabama | COUNTRY Financial | $848 | $71 |
| Alaska | GEICO | $1,042 | $87 |
| Arizona | Root | $946 | $79 |
| Arkansas | Southern Farm Bureau | $1,047 | $87 |
| California | CSAA | $515 | $43 |
| Colorado | American National | $1,012 | $84 |
| Connecticut | GEICO | $1,209 | $101 |
| Delaware | Travelers | $1,159 | $97 |
| District of Columbia | Erie | $1,428 | $119 |
| Florida | Travelers | $1,548 | $129 |
| Georgia | COUNTRY Financial | $1,290 | $107 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | American Family | $698 | $58 |
| Illinois | American Family | $775 | $65 |
| Indiana | American Family | $638 | $53 |
| Iowa | American Family | $771 | $64 |
| Kansas | American Family | $1,047 | $87 |
| Kentucky | Travelers | $1,078 | $90 |
| Louisiana | Louisiana Farm Bureau | $1,504 | $125 |
| Maine | Travelers | $677 | $56 |
| Maryland | Nationwide | $1,566 | $130 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $1,033 | $86 |
| Minnesota | American Family | $892 | $74 |
| Mississippi | Direct General | $991 | $83 |
| Missouri | American Family | $1,062 | $88 |
| Montana | State Farm | $758 | $63 |
| Nebraska | American National | $663 | $55 |
| Nevada | Mercury | $1,022 | $85 |
| New Hampshire | Hanover | $800 | $67 |
| New Jersey | Plymouth Rock | $1,211 | $101 |
| New Mexico | GEICO | $1,117 | $93 |
| New York | Progressive | $1,274 | $106 |
| North Carolina | Erie | $646 | $54 |
| North Dakota | American Family | $744 | $62 |
| Ohio | American Family | $505 | $42 |
| Oklahoma | Progressive | $1,034 | $86 |
| Oregon | Kemper | $775 | $65 |
| Pennsylvania | Travelers | $820 | $68 |
| Rhode Island | Travelers | $1,040 | $87 |
| South Carolina | American National | $813 | $68 |
| South Dakota | American Family | $761 | $63 |
| Tennessee | Travelers | $989 | $82 |
| Texas | Texas Farm Bureau | $932 | $78 |
| Utah | Nationwide | $876 | $73 |
| Vermont | State Farm | $739 | $62 |
| Virginia | Virginia Farm Bureau | $811 | $68 |
| Washington | PEMCO | $765 | $64 |
| West Virginia | GEICO | $1,278 | $107 |
| Wisconsin | American Family | $677 | $56 |
| Wyoming | Farmers | $870 | $72 |
*Note: The rates above are for 25-year-old drivers. Actual premiums will depend on your age.
Full coverage isn’t a specific insurance product but a term for a policy that goes beyond basic coverage. It usually includes collision and comprehensive coverage in addition to the minimum insurance required by most states. You can also add options like rental reimbursement or roadside assistance for an extra monthly cost.
Comparing cheap car insurance quotes at different coverage levels highlights the importance of shopping around for an affordable policy that meets your needs.
The cheapest car insurance companies vary by age. State Farm offers the lowest rates for teens (16 to 19) and seniors (65 to 85). GEICO is the most affordable choice for young adults (21 to 29) and middle-aged drivers (35 to 50). Use the table below to find your age group's cheapest car insurance company.
| 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 |
Car insurance rates vary by age and gender. While gender affects rates, age is a major factor. Teen drivers (16 to 19) often pay significantly more because their crash risk is almost three times higher than that of drivers over 20. Similarly, rates may increase for seniors, as drivers over 70 have a higher crash mortality rate per 1,000 crashes than middle-aged drivers.
Insurance companies view inexperienced teen drivers as high risk, leading to higher rates for teens and student drivers. The table below compares the cheapest car insurance companies for teens on a family policy to the cost of an individual policy with the same insurer.
| Alabama | Allstate | $1,862 | $4,554 | 59% | $2,691 |
| Alaska | GEICO | $2,131 | $3,887 | 45% | $1,756 |
| Arizona | Travelers | $1,970 | $3,702 | 47% | $1,732 |
| Arkansas | Allstate | $1,689 | $6,394 | 74% | $4,706 |
| California | State Farm | $2,943 | $3,327 | 12% | $384 |
| Colorado | Kemper | $1,393 | $7,816 | 82% | $6,422 |
| Connecticut | GEICO | $1,581 | $8,657 | 82% | $7,076 |
| Delaware | GEICO | $2,930 | $7,197 | 59% | $4,267 |
| District of Columbia | GEICO | $1,836 | $3,782 | 51% | $1,946 |
| Florida | Nationwide | $3,267 | $7,274 | 55% | $4,007 |
| Georgia | Allstate | $1,745 | $4,763 | 63% | $3,017 |
| Hawaii | State Farm | $709 | $709 | 0% | $0 |
| Idaho | State Farm | $1,314 | $1,788 | 26% | $474 |
| Illinois | Progressive | $2,195 | $5,009 | 56% | $2,814 |
| Indiana | Nationwide | $1,702 | $4,086 | 58% | $2,384 |
| Iowa | Allstate | $1,644 | $5,041 | 67% | $3,397 |
| Kansas | Nationwide | $1,108 | $2,299 | 52% | $1,191 |
| Kentucky | Allstate | $1,985 | $6,389 | 69% | $4,405 |
| Louisiana | State Farm | $4,750 | $6,119 | 22% | $1,369 |
| Maine | Concord Group | $1,056 | $1,730 | 39% | $674 |
| Maryland | Kemper | $1,827 | $4,640 | 61% | $2,812 |
| Massachusetts | State Farm | $1,016 | $1,569 | 35% | $553 |
| Michigan | GEICO | $1,957 | $2,511 | 22% | $554 |
| Minnesota | Nationwide | $1,850 | $3,851 | 52% | $2,001 |
| Mississippi | Progressive | $714 | $4,584 | 84% | $3,870 |
| Missouri | GEICO | $1,295 | $7,003 | 82% | $5,708 |
| Montana | Progressive | $1,601 | $3,500 | 54% | $1,900 |
| Nebraska | Allstate | $1,961 | $6,067 | 68% | $4,105 |
| Nevada | Nationwide | $2,572 | $5,564 | 54% | $2,992 |
| New Hampshire | Concord Group | $1,078 | $1,693 | 36% | $614 |
| New Jersey | GEICO | $2,059 | $2,187 | 6% | $128 |
| New Mexico | Nationwide | $1,916 | $3,628 | 47% | $1,713 |
| New York | Kemper | $1,516 | $5,363 | 72% | $3,847 |
| North Carolina | State Farm | $1,200 | $1,252 | 4% | $52 |
| North Dakota | Nationwide | $1,184 | $2,461 | 52% | $1,276 |
| Ohio | Nationwide | $1,042 | $2,416 | 57% | $1,374 |
| Oklahoma | Allstate | $1,948 | $5,390 | 64% | $3,442 |
| Oregon | Nationwide | $1,573 | $3,713 | 58% | $2,140 |
| Pennsylvania | Nationwide | $1,183 | $2,989 | 60% | $1,806 |
| Rhode Island | State Farm | $2,187 | $3,040 | 28% | $853 |
| South Carolina | Auto-Owners Insurance Co | $2,558 | $3,621 | 29% | $1,063 |
| South Dakota | Allstate | $1,164 | $6,779 | 83% | $5,614 |
| Tennessee | Nationwide | $1,673 | $4,264 | 61% | $2,591 |
| Texas | State Farm | $2,273 | $3,165 | 28% | $892 |
| Utah | Nationwide | $1,491 | $3,804 | 61% | $2,313 |
| Vermont | Concord Group | $1,330 | $2,009 | 34% | $679 |
| Virginia | Nationwide | $1,268 | $2,801 | 55% | $1,533 |
| Washington | Kemper | $1,793 | $2,476 | 28% | $683 |
| West Virginia | Nationwide | $1,791 | $4,213 | 57% | $2,422 |
| Wisconsin | Nationwide | $1,258 | $2,930 | 57% | $1,672 |
| Wyoming | Allstate | $1,604 | $5,602 | 71% | $3,998 |
*Note: Adding a teen driver to a family car insurance policy is often the most affordable option.
Most teens under the age of 18 aren't 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
In your 20s, insurers assume you've gained driving experience and consider you less risky than a teen. Use the table below to find the cheapest car insurance company for young adults in your state.
| Alabama | COUNTRY Financial | $839 | $70 |
| Alaska | GEICO | $1,037 | $86 |
| Arizona | Root | $949 | $79 |
| Arkansas | Southern Farm Bureau | $1,047 | $87 |
| California | CSAA | $515 | $43 |
| Colorado | American National | $1,012 | $84 |
| Connecticut | GEICO | $1,209 | $101 |
| Delaware | Travelers | $934 | $78 |
| District of Columbia | Erie | $1,428 | $119 |
| Florida | Travelers | $1,533 | $128 |
| Georgia | COUNTRY Financial | $1,087 | $91 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $639 | $53 |
| Illinois | American Family | $775 | $65 |
| Indiana | American Family | $638 | $53 |
| Iowa | American Family | $771 | $64 |
| Kansas | American Family | $1,047 | $87 |
| Kentucky | Travelers | $1,125 | $94 |
| Louisiana | Louisiana Farm Bureau | $1,504 | $125 |
| Maine | Travelers | $692 | $58 |
| Maryland | Nationwide | $1,511 | $126 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $1,033 | $86 |
| Minnesota | American Family | $892 | $74 |
| Mississippi | Direct General | $991 | $83 |
| Missouri | American Family | $1,062 | $88 |
| Montana | State Farm | $758 | $63 |
| Nebraska | American National | $663 | $55 |
| Nevada | COUNTRY Financial | $1,164 | $97 |
| New Hampshire | Hanover | $800 | $67 |
| New Jersey | Plymouth Rock | $1,211 | $101 |
| New Mexico | GEICO | $1,103 | $92 |
| New York | Progressive | $1,274 | $106 |
| North Carolina | Erie | $646 | $54 |
| North Dakota | American Family | $744 | $62 |
| Ohio | American Family | $505 | $42 |
| Oklahoma | GEICO | $1,084 | $90 |
| Oregon | Kemper | $775 | $65 |
| Pennsylvania | Travelers | $789 | $66 |
| Rhode Island | Travelers | $1,040 | $87 |
| South Carolina | American National | $813 | $68 |
| South Dakota | American Family | $761 | $63 |
| Tennessee | Travelers | $1,005 | $84 |
| Texas | Texas Farm Bureau | $932 | $78 |
| Utah | Nationwide | $896 | $75 |
| Vermont | State Farm | $739 | $62 |
| Virginia | Virginia Farm Bureau | $811 | $68 |
| Washington | PEMCO | $765 | $64 |
| West Virginia | GEICO | $1,278 | $107 |
| Wisconsin | American Family | $677 | $56 |
| Wyoming | Farmers | $870 | $72 |
Young drivers can get cheaper car insurance by staying on a family policy if they meet eligibility requirements, such as living in their family home. If not, they'll need to purchase an individual policy.
Car insurance rates often rise steadily for drivers in their 70s, as older drivers face unique challenges on the road. Use the table below to find the cheapest car insurance companies and rates for seniors 65 and older.
| Alabama | COUNTRY Financial | $571 | $48 |
| Alaska | GEICO | $916 | $76 |
| Arizona | Travelers | $984 | $82 |
| Arkansas | Southern Farm Bureau | $778 | $65 |
| California | CSAA | $456 | $38 |
| Colorado | American National | $796 | $66 |
| Connecticut | GEICO | $931 | $78 |
| Delaware | Travelers | $821 | $68 |
| District of Columbia | Erie | $1,182 | $99 |
| Florida | State Farm | $1,268 | $106 |
| Georgia | COUNTRY Financial | $657 | $55 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $462 | $39 |
| Illinois | American Family | $703 | $59 |
| Indiana | American Family | $577 | $48 |
| Iowa | American Family | $652 | $54 |
| Kansas | American Family | $806 | $67 |
| Kentucky | Cincinnati | $784 | $65 |
| Louisiana | Louisiana Farm Bureau | $1,213 | $101 |
| Maine | Travelers | $546 | $45 |
| Maryland | GEICO | $1,358 | $113 |
| Massachusetts | State Farm | $369 | $31 |
| Michigan | GEICO | $1,026 | $85 |
| Minnesota | AAA | $782 | $65 |
| Mississippi | Direct General | $691 | $58 |
| Missouri | American Family | $927 | $77 |
| Montana | State Farm | $610 | $51 |
| Nebraska | American National | $515 | $43 |
| Nevada | COUNTRY Financial | $796 | $66 |
| New Hampshire | Hanover | $636 | $53 |
| New Jersey | NJM | $977 | $81 |
| New Mexico | GEICO | $889 | $74 |
| New York | Kemper | $1,098 | $91 |
| North Carolina | North Carolina Farm Bureau | $529 | $44 |
| North Dakota | American Family | $577 | $48 |
| Ohio | American Family | $453 | $38 |
| Oklahoma | Progressive | $876 | $73 |
| Oregon | Kemper | $813 | $68 |
| Pennsylvania | Travelers | $668 | $56 |
| Rhode Island | Travelers | $1,016 | $85 |
| South Carolina | American National | $713 | $59 |
| South Dakota | Farmers Mutual of Nebraska | $614 | $51 |
| Tennessee | Auto-Owners | $818 | $68 |
| Texas | Texas Farm Bureau | $629 | $52 |
| Utah | Nationwide | $670 | $56 |
| Vermont | State Farm | $537 | $45 |
| Virginia | Virginia Farm Bureau | $805 | $67 |
| Washington | PEMCO | $642 | $54 |
| West Virginia | Westfield | $967 | $81 |
| Wisconsin | American Family | $594 | $49 |
| Wyoming | State Farm | $647 | $54 |
Drivers with moving violations or accidents typically pay higher rates than those with clean records, as they pose a greater risk to insurers. More serious violations, like a DUI, may require an SR-22 insurance policy.
Although all insurers are likely to increase rates for high-risk drivers, some may raise them less. Explore the sections below to find the cheapest companies and premiums for various high-risk driver profiles.
State Farm is the cheapest car insurance company after an accident, with minimum coverage at $719 per year ($60 per month) and full coverage at $1,571 per year ($131 per month).
| State Farm | $1,571 | $131 |
| Travelers | $1,651 | $138 |
| Nationwide | $1,867 | $156 |
| GEICO | $1,996 | $166 |
| Progressive | $2,099 | $175 |
| Allstate | $2,100 | $175 |
| Farmers | $2,338 | $195 |
Finding affordable car insurance after an at-fault accident requires research, as your rates can sharply increase and vary depending on your location. To get the best deal, compare quotes from multiple providers in your state. Click on your state to see the cheapest options for at-fault drivers.
| Alabama | Country Financial | $855 | $71 |
| Alaska | State Farm | $1,275 | $106 |
| Arizona | Root Insurance Company | $1,185 | $99 |
| Arkansas | Southern Farm Bureau | $1,138 | $95 |
| California | CSAA | $585 | $49 |
| Colorado | Colorado Farm Bureau | $928 | $77 |
| Connecticut | GEICO | $1,374 | $115 |
| Delaware | Travelers | $858 | $71 |
| District of Columbia | Erie | $1,493 | $124 |
| Florida | State Farm | $1,688 | $141 |
| Georgia | Country Financial | $1,080 | $90 |
| Hawaii | State Farm | $1,010 | $84 |
| Idaho | State Farm | $606 | $51 |
| Illinois | American Family | $850 | $71 |
| Indiana | American Family | $788 | $66 |
| Iowa | American Family | $738 | $62 |
| Kansas | American Family | $888 | $74 |
| Kentucky | Auto-Owners Insurance Co | $1,198 | $100 |
| Louisiana | Louisiana Farm Bureau | $1,268 | $106 |
| Maine | Vermont Mutual | $608 | $51 |
| Maryland | State Farm | $1,627 | $136 |
| Massachusetts | State Farm | $732 | $61 |
| Michigan | Chubb | $1,494 | $124 |
| Minnesota | American Family | $882 | $73 |
| Mississippi | State Farm | $1,146 | $96 |
| Missouri | American Family | $1,232 | $103 |
| Montana | State Farm | $795 | $66 |
| Nebraska | American National P&C | $702 | $59 |
| Nevada | Country Financial | $1,197 | $100 |
| New Hampshire | Vermont Mutual | $776 | $65 |
| New Jersey | NJM | $1,149 | $96 |
| New Mexico | State Farm | $1,302 | $109 |
| New York | Progressive | $1,148 | $96 |
| North Carolina | North Carolina Farm Bureau | $696 | $58 |
| North Dakota | American Family | $646 | $54 |
| Ohio | American Family | $624 | $52 |
| Oklahoma | State Farm | $1,265 | $105 |
| Oregon | Kemper | $1,027 | $86 |
| Pennsylvania | Travelers | $949 | $79 |
| Rhode Island | State Farm | $1,014 | $85 |
| South Carolina | American National P&C | $866 | $72 |
| South Dakota | American Family | $829 | $69 |
| Tennessee | Tennessee Farm Bureau | $972 | $81 |
| Texas | State Farm | $1,217 | $101 |
| Utah | American Family | $937 | $78 |
| Vermont | Vermont Mutual | $547 | $46 |
| Virginia | Auto-Owners Insurance Co | $865 | $72 |
| Washington | PEMCO | $815 | $68 |
| West Virginia | Westfield | $1,303 | $109 |
| Wisconsin | American Family | $633 | $53 |
| Wyoming | State Farm | $871 | $73 |
An at-fault accident can remain on your record and raise your premiums for three to five years, depending on your state and insurer. With accident forgiveness, your rates won’t increase after your first at-fault accident, but you may lose eligibility for certain safety discounts.
Even with a blemished record, you can find affordable car insurance by comparing quotes. Some insurers specialize in high-risk drivers and may offer more competitive rates.
Progressive is the cheapest provider for drivers with a DUI. Minimum coverage costs an average of $679 per year or $57 per month, and full coverage costs $1,661 per year or $138 per month. Check the table below to compare rates from top providers.
| Progressive | $1,661 | $138 |
| State Farm | $1,760 | $147 |
| Travelers | $1,919 | $160 |
| Farmers | $2,092 | $174 |
| Allstate | $2,243 | $187 |
| Nationwide | $2,511 | $209 |
| GEICO | $3,190 | $266 |
A DUI is one of the most severe driving violations, so compare quotes from several insurers to find the best rate. Depending on the state, you may also be required to have SR-22 insurance. Use the table below to find the cheapest car insurance companies after a DUI.
| Alabama | Country Financial | $987 | $82 |
| Alaska | State Farm | $1,168 | $97 |
| Arizona | Root Insurance Company | $1,049 | $87 |
| Arkansas | Southern Farm Bureau | $1,051 | $88 |
| California | National General | $1,519 | $127 |
| Colorado | Colorado Farm Bureau | $960 | $80 |
| Connecticut | Progressive | $1,582 | $132 |
| Delaware | Travelers | $1,510 | $126 |
| District of Columbia | Progressive | $1,470 | $122 |
| Florida | State Farm | $1,556 | $130 |
| Georgia | Country Financial | $1,250 | $104 |
| Hawaii | State Farm | $923 | $77 |
| Idaho | State Farm | $557 | $46 |
| Illinois | American Family | $870 | $72 |
| Indiana | American Family | $756 | $63 |
| Iowa | American Family | $867 | $72 |
| Kansas | American Family | $1,050 | $88 |
| Kentucky | Shelter | $1,521 | $127 |
| Louisiana | Louisiana Farm Bureau | $1,358 | $113 |
| Maine | Progressive | $880 | $73 |
| Maryland | State Farm | $1,445 | $120 |
| Massachusetts | State Farm | $875 | $73 |
| Michigan | Chubb | $1,494 | $124 |
| Minnesota | American Family | $1,050 | $87 |
| Mississippi | State Farm | $1,030 | $86 |
| Missouri | American Family | $1,183 | $99 |
| Montana | State Farm | $744 | $62 |
| Nebraska | American National P&C | $772 | $64 |
| Nevada | Country Financial | $1,468 | $122 |
| New Hampshire | Progressive | $950 | $79 |
| New Jersey | Plymouth Rock Assurance | $1,257 | $105 |
| New Mexico | Progressive | $1,057 | $88 |
| New York | Progressive | $1,205 | $100 |
| North Carolina | North Carolina Farm Bureau | $1,900 | $158 |
| North Dakota | American Family | $762 | $64 |
| Ohio | American Family | $604 | $50 |
| Oklahoma | Progressive | $1,108 | $92 |
| Oregon | American Family | $1,155 | $96 |
| Pennsylvania | Travelers | $1,031 | $86 |
| Rhode Island | State Farm | $1,014 | $85 |
| South Carolina | American National P&C | $972 | $81 |
| South Dakota | American Family | $821 | $68 |
| Tennessee | State Farm | $1,261 | $105 |
| Texas | Progressive | $1,482 | $124 |
| Utah | American Family | $1,144 | $95 |
| Vermont | State Farm | $631 | $53 |
| Virginia | Virginia Farm Bureau | $934 | $78 |
| Washington | PEMCO | $970 | $81 |
| West Virginia | State Farm | $1,506 | $125 |
| Wisconsin | American Family | $752 | $63 |
| Wyoming | State Farm | $808 | $67 |
A DUI conviction significantly increases car insurance costs, typically for three to five years. The exact increase depends on factors like whether it’s your first DUI, your driving history and where you live.
State Farm is the most affordable car insurance company after a ticket, with minimum coverage at $650 per year ($54 per month) and full coverage at $1,442 per year or $120 per month. Use the table below to filter through coverage types and age ranges and find the cheapest option for you.
| State Farm | $1,442 | $120 |
| Travelers | $1,537 | $128 |
| Nationwide | $1,540 | $128 |
| GEICO | $1,589 | $132 |
| Progressive | $1,689 | $141 |
| Allstate | $1,747 | $146 |
| Farmers | $1,909 | $159 |
Explore the table below to find national and mid-tier providers in your state offering affordable policies for drivers with tickets. Filter the table and compare providers based on your state, age range and preferred coverage level.
| Alabama | COUNTRY Financial | $822 | $69 |
| Alaska | State Farm | $1,168 | $97 |
| Arizona | Auto-Owners | $1,064 | $89 |
| Arkansas | Southern Farm Bureau | $946 | $79 |
| California | CSAA | $585 | $49 |
| Colorado | Colorado Farm Bureau | $903 | $75 |
| Connecticut | GEICO | $1,099 | $92 |
| Delaware | Travelers | $893 | $74 |
| District of Columbia | Erie | $1,223 | $102 |
| Florida | State Farm | $1,556 | $130 |
| Georgia | COUNTRY Financial | $1,022 | $85 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $557 | $46 |
| Illinois | American Family | $870 | $72 |
| Indiana | American Family | $756 | $63 |
| Iowa | American Family | $867 | $72 |
| Kansas | American Family | $1,050 | $88 |
| Kentucky | Auto-Owners | $997 | $83 |
| Louisiana | Louisiana Farm Bureau | $1,131 | $94 |
| Maine | Vermont Mutual | $608 | $51 |
| Maryland | State Farm | $1,445 | $120 |
| Massachusetts | State Farm | $552 | $46 |
| Michigan | Chubb | $1,494 | $124 |
| Minnesota | American Family | $1,050 | $87 |
| Mississippi | Mississippi Farm Bureau | $957 | $80 |
| Missouri | American Family | $1,183 | $99 |
| Montana | State Farm | $744 | $62 |
| Nebraska | American National | $621 | $52 |
| Nevada | COUNTRY Financial | $1,061 | $88 |
| New Hampshire | Safety Group | $751 | $63 |
| New Jersey | GEICO | $1,059 | $88 |
| New Mexico | GEICO | $1,032 | $86 |
| New York | Progressive | $1,192 | $99 |
| North Carolina | North Carolina Farm Bureau | $756 | $63 |
| North Dakota | American Family | $762 | $64 |
| Ohio | American Family | $604 | $50 |
| Oklahoma | State Farm | $1,181 | $98 |
| Oregon | Kemper | $948 | $79 |
| Pennsylvania | Auto-Owners | $787 | $66 |
| Rhode Island | State Farm | $1,014 | $85 |
| South Carolina | American National | $866 | $72 |
| South Dakota | Farmers Mutual of Nebraska | $799 | $67 |
| Tennessee | Erie | $953 | $79 |
| Texas | Texas Farm Bureau | $760 | $63 |
| Utah | Nationwide | $852 | $71 |
| Vermont | State Farm | $631 | $53 |
| Virginia | Auto-Owners | $957 | $80 |
| Washington | PEMCO | $750 | $63 |
| West Virginia | Westfield | $1,030 | $86 |
| Wisconsin | American Family | $752 | $63 |
| Wyoming | State Farm | $808 | $67 |
Like an accident, a ticket on your record can raise car insurance premiums for three to five years. To find affordable coverage, compare quotes from at least three providers.
The cheapest car insurance providers for drivers with bad credit vary depending on your desired coverage level. On average, Nationwide is the most affordable car insurance provider for minimum and full coverage policies. Compare the best rates using the table below.
| Nationwide | $1,651 | $138 |
| Travelers | $1,861 | $155 |
| GEICO | $2,033 | $169 |
| Allstate | $2,322 | $194 |
| Farmers | $2,331 | $194 |
| Progressive | $2,373 | $198 |
| State Farm | $3,515 | $293 |
Finding the cheapest car insurance with poor credit can help lower your monthly bill. However, states like California, Hawaii and Massachusetts prohibit insurers from using credit scores. If you live elsewhere and have a low credit score, use the table below to find affordable rates. Filter results by state, age and coverage preference.
| Alabama | COUNTRY Financial | $943 | $79 |
| Alaska | Allstate | $1,292 | $108 |
| Arizona | Root | $1,206 | $101 |
| Arkansas | Alfa | $1,348 | $112 |
| Colorado | GEICO | $1,474 | $123 |
| Connecticut | GEICO | $1,472 | $123 |
| Delaware | Travelers | $1,461 | $122 |
| District of Columbia | Chubb | $1,973 | $164 |
| Florida | Nationwide | $2,582 | $215 |
| Georgia | COUNTRY Financial | $1,129 | $94 |
| Idaho | Idaho Farm Bureau | $1,086 | $91 |
| Illinois | COUNTRY Financial | $1,290 | $107 |
| Indiana | American Family | $934 | $78 |
| Iowa | Grange | $1,098 | $91 |
| Kansas | American Family | $1,533 | $128 |
| Kentucky | Travelers | $1,604 | $134 |
| Louisiana | Louisiana Farm Bureau | $1,758 | $146 |
| Maine | Travelers | $971 | $81 |
| Maryland | Nationwide | $1,572 | $131 |
| Michigan | GEICO | $1,681 | $140 |
| Minnesota | West Bend | $1,239 | $103 |
| Mississippi | Direct General | $1,042 | $87 |
| Missouri | Travelers | $1,601 | $133 |
| Montana | Nationwide | $1,393 | $116 |
| Nebraska | Farmers Mutual of Nebraska | $1,343 | $112 |
| Nevada | COUNTRY Financial | $1,286 | $107 |
| New Hampshire | Hanover | $678 | $56 |
| New Jersey | NJM | $1,893 | $158 |
| New Mexico | GEICO | $1,244 | $104 |
| New York | Kemper | $3,084 | $257 |
| North Carolina | North Carolina Farm Bureau | $705 | $59 |
| North Dakota | Nationwide | $973 | $81 |
| Ohio | Nationwide | $654 | $55 |
| Oklahoma | Mercury | $1,230 | $102 |
| Oregon | Kemper | $1,275 | $106 |
| Pennsylvania | Auto-Owners | $1,172 | $98 |
| Rhode Island | Travelers | $1,473 | $123 |
| South Carolina | South Carolina Farm Bureau | $1,634 | $136 |
| South Dakota | American Family | $695 | $58 |
| Tennessee | Tennessee Farm Bureau | $1,124 | $94 |
| Texas | Texas Farm Bureau | $1,693 | $141 |
| Utah | Nationwide | $975 | $81 |
| Vermont | Concord Group | $1,159 | $97 |
| Virginia | Nationwide | $1,131 | $94 |
| Washington | PEMCO | $604 | $50 |
| West Virginia | Westfield | $1,459 | $122 |
| Wisconsin | American Family | $633 | $53 |
| Wyoming | Farmers | $974 | $81 |
Being labeled a high-risk driver can mean higher rates, fewer coverage choices and maybe even getting dropped by your insurer. Depending on your state and driving history, you might need special filings (like an SR-22 or FR-44). If you’re switching car insurance providers, ensure your coverage doesn't lapse and double-check that your new company can handle any filings you need.
USAA and Travelers offer the cheapest car insurance for military members, veterans and their families. The table below shows the average minimum and full coverage costs based on coverage types and age groups.
| USAA | $823 | $69 |
| Travelers | $1,122 | $94 |
| GEICO | $1,203 | $100 |
| Nationwide | $1,220 | $102 |
| State Farm | $1,284 | $107 |
| Progressive | $1,304 | $109 |
| Allstate | $1,494 | $124 |
| Farmers | $1,504 | $125 |
Current and former military personnel and their families can often access military discounts or policies that can significantly lower the cost of a policy.
The car you drive can influence your insurance costs. The table below highlights the cheapest options for different vehicle models.
| Subaru Outback | Nationwide | $1,049 |
| Subaru Legacy | Nationwide | $1,157 |
| Subaru Impreza | State Farm | $1,193 |
| Honda Insight | State Farm | $1,252 |
| Toyota Camry | GEICO | $1,269 |
| Honda Accord | State Farm | $1,283 |
| Nissan Sentra | State Farm | $1,295 |
| VW Passat | State Farm | $1,307 |
| Chevy Malibu | State Farm | $1,314 |
| Nissan Altima | GEICO | $1,370 |
| Nissan Maxima | State Farm | $1,529 |
| Kia Stinger | State Farm | $1,558 |
Some cars cost less to insure than others. Sports cars, for example, are considered high-risk and more likely to be stolen, leading to higher premiums. The cheapest cars to insure often have strong safety ratings, low repair costs and lower theft risk, such as family sedans and SUVs.
Travelers is the best overall cheap car insurance company, earning a MoneyGeek score of 73 out of 100.
Travelers excels with top scores: 20/20 for claims, 10/10 for full coverage and 5/5 for stability. It provides roadside assistance and rental car reimbursement, along with add-ons such as new car replacement, covering a totaled car within five years and accident forgiveness to avoid rate hikes after one accident. Gap insurance benefits drivers with financed or leased vehicles by covering the difference between the car’s value and the remaining loan or lease balance after a total loss. Travelers also offers unique discounts.
MoneyGeek uses a weighted ranking system to evaluate insurers, balancing cost and service to generate a score out of 100. Check the table below to view company rankings and compare average costs.
| Travelers | $1,116 | $93 | 73 |
| Nationwide | $1,240 | $103 | 69 |
| State Farm | $1,293 | $108 | 66 |
| GEICO | $1,216 | $101 | 52 |
| Progressive | $1,333 | $111 | 50 |
| Allstate | $1,526 | $127 | 44 |
| Farmers | $1,564 | $130 | 37 |
Your coverage needs and driver profile determine the most affordable car insurance options. Explore the sections below for guidance on finding the right policy and the best rates for your situation.
Car insurance companies calculate rates based on various personalized factors, which differ between insurers. As a result, rates can vary significantly for the same driver profile. Insurers also offer discounts, which may or may not apply to your situation.
Here are some tips to help you find the best rates:
Figure out the coverage amount you need based on your budget and driving habits. Minimum coverage may be sufficient if you're on a tight budget. If you own a valuable car, full coverage offers extra protection. Pay-per-mile insurance might be a cost-effective choice, combining a small monthly fee with a per-mile charge.
Request quotes from at least three companies on the same day to compare rates accurately. Since rates can fluctuate, using the same information ensures a clear comparison of available options.
Ask about car insurance discounts, but focus on finding a company with a low base rate. Discounts can help, but the cheapest coverage often comes from insurers with competitive base prices. Compare quotes from companies with and without discounts to get the best deal.
Choosing a higher deductible can lower your premium, but be sure you can afford it in case of an accident.
Many insurers offer discounts when you combine multiple policies, like auto and home insurance, or even having multiple cars on one policy. Ask about multi-policy discounts when shopping around to see how much you could save.
The type of car you drive can affect your insurance rates. Generally, safer, less expensive cars are the cheapest to insure.
Remember: the cheapest option isn't always the best. Ensure you have enough coverage to protect yourself financially in case of an accident.
Getting discounts can further lower car insurance costs. Check offers from various insurance companies. Below are some common discounts to help you get started.
Many insurers provide discounts to drivers who complete state or company-approved defensive driving courses.
Having a clean record may help you keep your car insurance costs low. Many insurance companies also offer discounts or rewards to safe drivers.
Buying different types of policies, such as home and auto insurance, from the same insurer may qualify you for a bundling discount. Depending on the company, you may also find multi-vehicle discounts.
If your insurance company has a telematics program to keep track of safe driving habits, it may offer a discount to participating drivers. Drivers who don't drive much may also qualify for a low-mileage discount.
Paying your premiums upfront instead of in monthly installments may result in significant savings.
Some insurance providers offer a discount for those driving an electric or hybrid car.
Knowing the cheapest car insurance providers helps, but the best way to accurately compare your options is to get personalized quotes. Enter some basic information in MoneyGeek's calculator to quickly receive quotes from multiple insurers.
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
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The cheapest car insurance depends on age, driving history and ZIP code. MoneyGeek analyzed major insurers nationwide to identify the most affordable options for various driver profiles. Use this guide to compare quotes and find the best deal.
Travelers offers the lowest average rates for full coverage, while GEICO is the cheapest for minimum coverage. Your most affordable choice may vary, so researching can help avoid overpaying.
Below are answers to frequently asked questions about saving money on car insurance to help you find the cheapest policy:
GEICO typically offers the cheapest minimum coverage car insurance, while Travelers provides the lowest rates for full coverage. However, your most affordable option may vary based on your location, driving history and age.
No matter where you live, shopping around is the best way to find affordable car insurance. State Farm is often the cheapest for most states and drivers. However, your most affordable option depends on your unique profile, so compare quotes from multiple insurers to find the best rate.
A policy that covers only your state's minimum car insurance requirements will likely be the lowest-cost option.
The cheapest cars to insure are the Subaru Legacy and Subaru Outback.
Gender may impact auto insurance rates, especially for young drivers below 25. Whether it affects costs also depends on where you live. Michigan, California, Hawaii, Pennsylvania, North Carolina and Massachusetts don't allow insurers to use gender to determine premiums.
We analyzed insurance rates from state insurance departments and Quadrant Information Services, using driver profiles with varying ages, driving histories, credit scores and locations to identify the cheapest rates for different needs.
Data Depth and Overview
MoneyGeek reviewed 2,474,515 quotes from 607 companies across 3,523 ZIP codes to find the most affordable car insurance options for various driver profiles.
Driver Profiles
To identify the cheapest rates, MoneyGeek used a standard driver profile with these characteristics:
We adjusted this profile based on location, age, credit score and driving history, including ticket, DUI or accident scenarios. Family premiums were calculated by adding a 16-year-old to a family policy.
Defining Full Coverage
Unless stated otherwise, a full coverage policy includes:
Defining Minimum Coverage
Unless specifically indicated, a minimum coverage policy includes:
This excludes comprehensive and collision coverage. Note that minimum coverage differs from state minimum coverage requirements.
How We Ranked the Best Providers for Affordability
MoneyGeek evaluated providers using data from AM Best, J.D. Power, the CRASH Network report card, Quadrant Information Services and state insurance departments. Insurers were scored out of 100 using these weighted factors:
Learn more about MoneyGeek's auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
