Updated: July 3, 2025
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GEICO's average monthly rate of $43 makes it the cheapest among major national providers for minimum coverage.
Travelers offers the most affordable full coverage at $97 per month on average.
Your cheapest option varies by location, age and driving history, so comparing quotes helps you avoid overpaying.
Why You Can Trust Moneygeek
Our cheapest car insurance rankings are based on comprehensive analysis of 2,474,515 quotes from 607 insurance companies across 3,523 ZIP codes nationwide. Our methodology has been reviewed by Mark Fitzpatrick, licensed insurance expert and industry analyst. We update our data and rankings monthly to ensure accuracy, with our most recent analysis completed in June 2025.
MoneyGeek maintains editorial independence and does not receive compensation from insurance companies for rankings or recommendations.
The cheapest car insurance providers depend on your specific situation. GEICO offers the most affordable minimum coverage nationwide, while Travelers has the lowest average rates for full coverage. Below, you'll find the best rates by policy type, age and driving history.
Minimum car insurance coverage meets your state's legal requirements. GEICO offers the cheapest option at $43 per month among major national insurers. Here's how the most affordable companies compare to the national average:
| GEICO | $43 | $-28 | -29% |
| National General | $48 | $-20 | -20% |
| Travelers | $50 | $-26 | -26% |
| State Farm | $53 | $-10 | -11% |
| Amica | $57 | $-12 | -12% |
| Progressive | $68 | $-1 | -1% |
Car insurance prices vary by state due to different regulations and risk factors. Use the table below to find the cheapest minimum coverage in your state:
| Alabama | Cincinnati Insurance | $42 | $-58 | -58% |
| Alabama | Geico | $75 | $-25 | -25% |
| Alabama | Auto Owners | $77 | $-23 | -23% |
| Alabama | Country Financial | $85 | $-14 | -15% |
| Alabama | AIG | $89 | $-11 | -11% |
| Alabama | Travelers | $107 | $7 | 7% |
| Alabama | Nationwide | $110 | $10 | 10% |
| Alabama | Progressive | $112 | $13 | 13% |
| Alabama | Safeway Insurance | $117 | $17 | 17% |
| Alabama | Farmers | $134 | $34 | 34% |
| Alabama | Allstate | $150 | $50 | 50% |
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.
Full coverage combines liability insurance with comprehensive and collision coverage to provide financial protection for liability claims and vehicle damage. Travelers provides the cheapest full coverage nationwide at $97 per month. Here's how affordable providers compare:
| Travelers | $97 | $1,158 |
| GEICO | $98 | $1,177 |
| National General | $109 | $1,313 |
| Amica | $117 | $1,406 |
| State Farm | $124 | $1,483 |
| Progressive | $128 | $1,532 |
*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.
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.
Young drivers face the highest insurance costs due to inexperience and higher accident risk. GEICO offers the most affordable rates for drivers aged 16 to 24:
| GEICO | $155 | $-69 | -31% |
| Travelers | $176 | $-48 | -21% |
| AIG | $184 | $-40 | -18% |
| State Farm | $216 | $-9 | -4% |
| Amica | $219 | $-5 | -2% |
| Kemper | $235 | $11 | 5% |
| Nationwide | $238 | $14 | 6% |
| Allstate | $240 | $15 | 7% |
| Chubb | $242 | $18 | 8% |
| Progressive | $269 | $44 | 20% |
Most teens under 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
Drivers 65 and older typically pay more than middle-aged drivers but less than young drivers. GEICO offers the lowest rates for seniors at $81 per month:
| GEICO | $81 | $-42 | -34% |
| Amica | $99 | $-23 | -19% |
| Kemper | $103 | $-19 | -16% |
| Travelers | $104 | $-18 | -15% |
| State Farm | $114 | $-8 | -7% |
| Nationwide | $116 | $-7 | -6% |
| AIG | $116 | $-7 | -6% |
| Chubb | $119 | $-4 | -3% |
| Progressive | $128 | $5 | 4% |
| Farmers | $144 | $21 | 17% |
Car insurance rates vary by age and gender. While gender affects rates, age is a major factor. Teen drivers (16 to 19) often pay much 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.
Drivers with moving violations or accidents pay higher rates than those with clean records, as insurers view them as a greater risk. More serious offenses, 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 based on your driving records:
GEICO is the cheapest car insurance company after an accident, with minimum coverage at $95 per month. Use the table below to see the complete list of the most affordable providers for drivers with an at-fault accident:
| GEICO | $95 | $-35 | -27% |
| Travelers | $103 | $-28 | -21% |
| Kemper | $106 | $-24 | -19% |
| Amica | $109 | $-22 | -17% |
| State Farm | $111 | $-20 | -15% |
| AIG | $124 | $-7 | -5% |
| Chubb | $124 | $-7 | -5% |
| Nationwide | $138 | $7 | 6% |
| Progressive | $144 | $13 | 10% |
| Allstate | $159 | $28 | 21% |
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.
With minimum coverage averaging $112 per month or $1,344 per year, AIG is the cheapest provider for drivers with a DUI. Check the table below to compare rates from top providers:
| AIG | $112 | $-57 | -34% |
| Travelers | $119 | $-50 | -30% |
| State Farm | $120 | $-48 | -29% |
| Progressive | $123 | $-45 | -27% |
| Kemper | $129 | $-39 | -23% |
| GEICO | $147 | $-21 | -13% |
| Nationwide | $182 | $14 | 8% |
| Allstate | $186 | $17 | 10% |
| Farmers | $201 | $33 | 19% |
| Chubb | $210 | $42 | 25% |
A DUI conviction substantially 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.
GEICO is the most affordable car insurance company after a ticket, with minimum coverage at $80 per month for major national providers. In the table below, you can compare the average monthly premiums for drivers with a ticket for all major companies, compared to the national average:
| GEICO | $80 | $-34 | -30% |
| Travelers | $95 | $-19 | -17% |
| Kemper | $100 | $-14 | -12% |
| State Farm | $102 | $-12 | -10% |
| AIG | $105 | $-9 | -8% |
| Amica | $109 | $-5 | -4% |
| Chubb | $114 | $1 | 0% |
| Nationwide | $117 | $4 | 3% |
| Progressive | $124 | $10 | 9% |
| Allstate | $129 | $16 | 14% |
Like an accident, a ticket on your record can raise car insurance premiums for three to five years. Compare quotes from at least three providers to find affordable prices for your preferred coverage.
The cheapest car insurance providers for drivers with bad credit vary depending on your preferred coverage level. On average, GEICO is the most affordable car insurance provider for drivers with bad credit. Compare the best rates using the table below:
| GEICO | $92 | $-61 | -40% |
| Kemper | $99 | $-55 | -36% |
| AIG | $111 | $-43 | -28% |
| Travelers | $117 | $-37 | -24% |
| Nationwide | $120 | $-34 | -22% |
| Chubb | $132 | $-22 | -14% |
| Progressive | $138 | $-16 | -10% |
| Allstate | $146 | $-8 | -5% |
| Farmers | $156 | $2 | 2% |
| UAIC | $158 | $4 | 3% |
Being labeled a high-risk driver can mean higher prices, fewer coverage choices and potentially 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 offers the cheapest car insurance for military members, veterans and their families. The table below shows the average insurance premiums for veterans and military members:
| USAA | $28 | $-44 | -47% |
| GEICO | $43 | $-22 | -24% |
| National General | $48 | $-14 | -15% |
| Travelers | $50 | $-19 | -21% |
| Amica | $57 | $-5 | -6% |
| Progressive | $68 | $6 | 6% |
Current and former military personnel and their families can often access military discounts or policies that can substantially lower the cost of a policy.
Usage-based insurance monitors driving habits through smartphone apps or plug-in devices, rewarding safe drivers with discounts. These programs typically track factors like hard braking, rapid acceleration, speeding, phone use while driving and time-of-day driving patterns. This coverage model works well for tech-savvy drivers, those with good driving habits and anyone willing to share driving data for potential savings.
Below are some of the cheapest usage-based programs available from major national insurers:
Provider | Program | Maximum Discount | Monitoring Method |
|---|---|---|---|
Progressive | Snapshot | 30% | App or device |
State Farm | Drive Safe & Save | 30% | Mobile app |
GEICO | DriveEasy | 25% | Mobile app |
Allstate | Drivewise | 40% | Mobile app |
Farmers | Signal | 15% | Mobile app |
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.
Finding affordable coverage requires a systematic approach. Follow these steps to secure the best rates:
Minimum coverage meets state requirements and costs less but provides limited financial protection. Choose this option if you drive an older car worth less than $3,000 or need the lowest possible payment.
Full coverage adds comprehensive and collision insurance to provide financial protection for vehicle damage from natural disasters and accidents.. This option makes sense for newer cars, financed vehicles or when you want comprehensive protection.
Request quotes from at least three companies on the same day using identical information. Rates vary substantially between insurers for the same driver profile.
Common money-saving discounts include:
Higher deductibles lower your premium but increase out-of-pocket costs when filing a claim. Choose a deductible you can afford to pay if an accident occurs.
The car you drive affects your insurance costs. Generally, safer vehicles with lower theft rates and moderate repair costs are cheaper to insure.
The cheapest option isn't always the best. Ensure you have enough coverage to protect yourself financially in an accident.
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:
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 18, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 89 /of 100 | $80 | |
| 2 |  GEICO | 82 /of 100 | $80 |
| 3 |  Nationwide | 89 /of 100 | $84 |
| 4 | 84 /of 100 | $90 | |
| 5 | 78 /of 100 | $96 | |
| 6 | 74 /of 100 | $108 |
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
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 monitor 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 substantial savings.
Some insurance providers offer discounts for those driving an electric or hybrid car.
The cheapest car insurance varies by individual circumstances, but GEICO consistently offers competitive rates across multiple driver profiles. Travelers provides excellent value for full coverage, while USAA serves military families exceptionally well.
Your most affordable option depends on your age, location, driving record and coverage needs. Comparing quotes from multiple insurers remains the most effective way to find cheap car insurance that meets your requirements.
Below are answers to frequently asked questions about saving money on car insurance to help you find the cheapest policy:
GEICO offers the cheapest minimum coverage at $43 per month, while Travelers provides the lowest full coverage rates at $97 per month. Your most affordable option depends on your location, age and driving history.
No matter where you live, shopping around is the best way to find affordable car insurance. Travelers is the cheapest for most states and drivers. However, your most affordable option depends on your unique profile, so compare quotes from multiple insurers.
Compare quotes from multiple insurers, as rates vary widely by company and location. While GEICO and State Farm often offer competitive rates nationwide, your best option depends on your profile.
Minimum coverage policies meeting your state's requirements typically cost the least. GEICO's minimum coverage starts at $43 per month, though your actual rate depends on your location and driver profile.
Based on our analysis, the Subaru Legacy and Subaru Outback are among the most affordable vehicles to insure due to their safety ratings and moderate repair costs.
A higher credit score can lead to cheaper car insurance rates, as insurers view responsible credit use as a sign of lower risk. In most states, drivers with good credit pay much less than those with poor credit. California, Hawaii, Massachusetts and Michigan don't allow credit-based pricing.
Gender can impact rates, particularly for drivers under 25. However, California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania prohibit gender-based pricing.
Maine, Vermont and Idaho have the lowest rates due to lower population density, fewer claims and favorable regulations.
Combining auto and home insurance with the same company provides 10% to 25% discounts, making bundling one of the most effective ways to reduce costs.
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's analysis 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 specific coverage limits such as:
Defining Minimum Coverage
Unless stated otherwise, 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's analysis 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.
