MoneyGeek analyzed 2.4 million car insurance quotes to find the cheapest and best car insurance companies across all coverage levels. No car insurance company is the cheapest for every driver, but some are more affordable than others. The best companies balance affordability and service. Homeowners can also save by bundling auto with home insurance.
Compare Car Insurance Quotes
Updated: May 5, 2026
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Compare Auto Insurance With Expert Analysis
Compare Car Insurance by State
When you compare car insurance rates across states, cities and ZIP codes, location affects your premiums as much as your driving record. Rates shift based on state laws, required coverage levels and local risk factors like accident rates, theft and weather patterns. State Farm offers the lowest rates in 18 states; GEICO leads in 16. Your state's cheapest carrier can save you up to $1,943 a year over a higher-priced option.
No single national carrier sweeps the map, though: Amica wins Massachusetts and New Jersey, Progressive leads Mississippi, New York, Oklahoma and South Dakota. State Farm takes 18 states, including most of the Mountain West and South.
| Alabama | Geico | $42 | $86 | $35 | 4% |
| Alaska | Geico | $41 | $87 | $203 | 21% |
| Arizona | Travelers | $41 | $83 | $234 | 24% |
| Arkansas | Geico | $39 | $89 | $85 | 10% |
| California | Geico | $39 | $91 | $244 | 24% |
| Colorado | Geico | $32 | $97 | $326 | 30% |
| Connecticut | Geico | $34 | $75 | $544 | 46% |
| Delaware | Travelers | $48 | $78 | $468 | 38% |
| District of Columbia | Geico | $86 | $152 | $604 | 30% |
| Florida | Travelers | $52 | $112 | $352 | 26% |
| Georgia | Geico | $40 | $101 | $142 | 14% |
| Hawaii | Geico | $24 | $66 | $210 | 28% |
| Idaho | State Farm | $18 | $56 | $118 | 21% |
| Illinois | Geico | $30 | $69 | $198 | 25% |
| Indiana | Geico | $33 | $64 | $51 | 8% |
| Iowa | State Farm | $20 | $66 | $103 | 17% |
| Kansas | Geico | $25 | $71 | $237 | 29% |
| Kentucky | Travelers | $47 | $94 | $190 | 18% |
| Louisiana | Geico | $54 | $156 | $326 | 21% |
| Maine | Travelers | $28 | $52 | $75 | 13% |
| Maryland | Geico | $51 | $89 | $238 | 22% |
| Massachusetts | Amica | $35 | $82 | $18 | 2% |
| Michigan | Travelers | $25 | $70 | $200 | 26% |
| Minnesota | State Farm | $33 | $91 | $49 | 6% |
| Mississippi | Progressive | $54 | $105 | $129 | 12% |
| Missouri | Geico | $38 | $81 | $106 | 13% |
| Montana | State Farm | $19 | $85 | $324 | 34% |
| Nebraska | Geico | $27 | $68 | $0 | 0% |
| Nevada | Travelers | $57 | $105 | $310 | 24% |
| New Hampshire | Geico | $33 | $61 | $116 | 17% |
| New Jersey | Amica | $86 | $142 | $126 | 8% |
| New Mexico | State Farm | $37 | $95 | $101 | 11% |
| New York | Progressive | $34 | $64 | $100 | 15% |
| North Carolina | State Farm | $24 | $56 | $236 | 33% |
| North Dakota | Geico | $28 | $61 | $51 | 9% |
| Ohio | Travelers | $36 | $74 | $15 | 2% |
| Oklahoma | Progressive | $29 | $96 | $138 | 16% |
| Oregon | State Farm | $39 | $82 | $128 | 15% |
| Pennsylvania | Travelers | $30 | $70 | $35 | 6% |
| Rhode Island | State Farm | $43 | $88 | $199 | 20% |
| South Carolina | Geico | $58 | $112 | $107 | 9% |
| South Dakota | Progressive | $14 | $55 | $195 | 32% |
| Tennessee | Travelers | $38 | $78 | $123 | 15% |
| Texas | State Farm | $41 | $93 | $266 | 25% |
| Utah | Geico | $46 | $90 | $241 | 23% |
| Vermont | State Farm | $22 | $56 | $137 | 23% |
| Virginia | Travelers | $30 | $61 | $97 | 15% |
| Washington | State Farm | $38 | $96 | $115 | 13% |
| West Virginia | Geico | $42 | $92 | $309 | 28% |
| Wisconsin | Geico | $20 | $53 | $41 | 9% |
| Wyoming | Geico | $15 | $76 | $190 | 26% |
Question:
How Much Can I Save Comparing Quotes?
Answers:
Mark Fitzpatrick:
Choosing your state's cheapest carrier saves up to $1,943 a year, according to MoneyGeek's analysis. The biggest dollar gains are on the East Coast: Washington, D.C., drivers save $604 by choosing GEICO, the highest of any location, and Connecticut drivers save $544. Montana (34%), North Carolina (33%) and South Dakota (32%) have the widest percentage gaps. Massachusetts and Ohio are at 2%, and Nebraska is at 0%, the only state where the cheapest carrier matches the state average. In low-spread states, your driver profile and deductible matter more than which company you pick.
Compare Car Insurance Reviews
Insurance companies price the same coverage differently. Progressive might quote you $52 a month for the same coverage Nationwide prices at $77. Comparing quotes from at least three companies saves drivers $709 on average, according to MoneyGeek's analysis, and some find differences of more than $8,500 a year.
Price matters, but customer satisfaction and claims-paying ability are just as important when a claim comes in. MoneyGeek's car insurance company reviews compare affordability, customer experience and coverage ratings for each provider.
| Travelers | 4.8 | 5 | 4.7 | 4 | $541 |
| Progressive | 4.8 | 5 | 4.3 | 4.9 | $493 |
| Auto Owners | 4.7 | 4.8 | 5 | 3.4 | $610 |
| AIG | 4.6 | 5 | 4.2 | 3.4 | $676 |
| Chubb | 4.6 | 4.8 | 4.5 | 3.2 | $982 |
| State Farm | 4.5 | 5 | 4.1 | 3.1 | $488 |
| Mercury Insurance | 4.4 | 4.7 | 4.1 | 3.7 | $852 |
| Farm Bureau | 4.4 | 4.9 | 4.1 | 2.5 | $615 |
| Safety Insurance | 4.4 | 4.8 | 3.5 | 4.8 | $613 |
| Geico | 4.4 | 4.9 | 3.8 | 2.8 | $514 |
*Rates are based on the average of state minimum liability and comprehensive and collision coverage with 100/300/100 limits and a $1,000 deductible insuring a 2012 Toyota Camry.
Compare Car Insurance by Make and Model
Compare insurance costs by make and model before you buy. Your choice of vehicle can add $100 to $200 a month to your costs.
A Subaru Outback costs $96 a month to insure; a Tesla Model Y runs $241. Both are midsize SUVs, but the $145 monthly gap adds up to $1,740 a year. Honda sedans average $82 a month for full coverage, and Toyota sedans run $119. At $103 a month for full coverage, compact vans like the Honda Odyssey cost less than electric vehicles, which average $241 or more.
Drivers with violations or poor credit can find lower rates through carriers that specialize in nonstandard policies. MoneyGeek's analysis of car insurance for high-risk drivers breaks down the cheapest options by driver profile.
Compare Car Insurance Coverage Types
Car insurance includes several coverage types. The ones you need depend on your vehicle's value and whether you're financing it. Lenders require full coverage for financed vehicles, but once you own your car outright, you can drop collision and comprehensive to lower your premium.
Shopping for Car Insurance: How to Compare
Shopping for car insurance takes more than comparing prices. The biggest savings come from comparing the right way, not just getting more quotes.
- 1Collect your vehicle and personal information
Before you compare quotes, have these details ready:
- Vehicle Identification Number (VIN), make, model and year
- Anti-theft or safety devices
- Estimated daily commute or total annual mileage
- Driving incidents from the past five to 10 years (speeding tickets, accidents)
- Current insurance company name and policy duration
- Social Security number
- Age when you first got your license or years of driving experience
- Information for any other drivers or vehicles on the policy
Don't own a vehicle? Non-owner car insurance covers liability when you borrow or rent cars.
- 2Decide your coverage level
Figure out how much car insurance you need before requesting quotes. If your car is worth $3,000 to $4,000 or less, minimum coverage can make sense, since full coverage premiums can exceed your vehicle's value over a few years.
Check your lender's requirements if you're financing or leasing. Banks require full coverage until you pay off the loan. Uninsured motorist coverage is worth understanding, too. It covers your costs when other drivers don't have enough insurance.
Drivers who need to reinstate their license can compare the cheapest SR-22 insurance rates to meet their state's filing requirements.
- 3Use identical coverage across all quotes
Compare the same coverage limits and deductibles across insurers. A $500 deductible from State Farm compared with a $1,000 deductible from GEICO creates misleading cost differences. Use the same liability limits (like 100/300/100) and deductible amounts for every quote.
- 4Apply all available discounts
Make sure every quote includes your applicable car insurance discounts. Safe driver discounts save 20% to 30%, and good student discounts save 15% to 25%. Bundling home and auto with the same insurer saves 10% to 25%, averaging $542 a year, according to our analysis.
Contact agents if needed to confirm all discounts are included. Focus on the final price. A company offering multiple discounts but similar total rates provides little advantage over cheaper base rates.
- 5Compare beyond price
The cheapest car insurance isn't always the best value if claim payments are delayed or customer service is poor. Check company reviews and financial stability ratings. Once you find a better rate, switch car insurance companies without coverage gaps. You can also lower your car insurance rate with your current or new insurer.
Comparing Car Insurance: FAQ
Should I compare car insurance quotes annually?
Yes, compare car insurance rates each year or after major life changes like moving, getting married or adding a vehicle. Rates change often, and comparing each year helps you avoid overpaying.
What's the best way to compare car insurance rates?
Use the same coverage amounts and discounts across every quote. Pull prices from at least three companies, including online options and local agents, for a reliable comparison.
What information do I need to compare car insurance quotes accurately?
You'll need your driver's license, vehicle identification number (VIN), current policy details, driving history and information about other drivers in your household. Give each insurer the same data to keep your comparisons valid.
Where can I compare car insurance quotes?
You can compare multiple car insurance quotes on MoneyGeek or get them directly from major insurers like State Farm and GEICO.
How many car insurance companies should I compare?
Compare three to five car insurance companies to find competitive rates. More quotes raise your chances of finding lower premiums, but returns diminish after five.
Can you insure a car not in your name?
Yes, you can insure a car not in your name through non-owner car insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!