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 Companies and Coverage
Updated: March 9, 2026
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Compare Cheap Car Insurance Rates by State
When you compare car insurance rates across states, cities and ZIP codes, location affects your premiums as much as your driving record. Insurance rates vary widely 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, while GEICO leads in 16. Shopping for your state's cheapest carrier instead of a higher-priced option can save you up to $1,943 a year.
| 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% |
Compare Car Insurance Companies
Insurance companies price the same coverage differently. Progressive might quote you $52 per month while Nationwide quotes $77 per month for identical coverage. 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 | 5.00 | 4.60 | 4.10 | $644 |
| Progressive | 4.7 | 5.00 | 4.10 | 4.80 | $621 |
| Auto Owners | 4.59 | 4.60 | 5.00 | 3.40 | $808 |
| AIG | 4.59 | 5.00 | 4.20 | 3.40 | $817 |
| State Farm | 4.5 | 5.00 | 4.00 | 3.00 | $650 |
| Farm Bureau | 4.5 | 5.00 | 4.00 | 2.50 | $736 |
| Nationwide | 4.4 | 4.90 | 3.70 | 3.90 | $918 |
| Geico | 4.4 | 5.00 | 3.80 | 3.00 | $632 |
| American Family | 4.4 | 4.90 | 3.80 | 3.00 | $724 |
| Safety Insurance | 4.4 | 4.70 | 3.50 | 5.00 | $836 |
*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 when shopping for a new vehicle. Insurance can add $100 to $200 per month to your budget, depending on the make and model.
A Subaru Outback costs $96 per month to insure, while a Tesla Model Y costs $241. Both are mid-size SUVs, but rates differ by $145 monthly or $1,740 a year. Honda sedans average $82 per month to insure, and Toyota sedans cost around $119 for full coverage. Compact vans like the Honda Odyssey average $103 per month for full coverage, while electric vehicles average $241 or more.
Compare Car Insurance Coverage
Car insurance includes several coverage types, each covering different financial risks and affecting your premium differently. The coverage you need depends on your vehicle's value and whether you're financing. Lenders require full coverage for financed vehicles, but once you own your car outright, you can drop collision and comprehensive to lower premiums. The articles below cover each coverage type in detail.
Shopping for Car Insurance: How to Compare
Shopping for car insurance takes more than comparing prices. These steps help you find competitive rates and the right coverage.
- 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
- 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.
- 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%, good student discounts save 15% to 25% and bundling home and auto insurance can save 10% to 25% on both policies, 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 consistent coverage amounts across all quotes, apply the same discounts and compare both online rates and agent quotes. Compare at least three companies for competitive pricing.
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. Consistent information gives you accurate quote comparisons between companies.
Where can I compare car insurance quotes?
You can compare multiple car insurance quotes on MoneyGeek. You can also get quotes 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's car insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.