Updated: August 23, 2025
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GEICO offers the cheapest car insurance for minimum coverage at $43 monthly, making it the top choice among major national providers for drivers seeking basic liability protection.
Travelers delivers the most affordable full coverage at $97 per month on average, providing comprehensive protection without breaking the bank for drivers who need collision and comprehensive coverage.
Your cheapest option varies significantly by location, age, and driving history, so comparing quotes from multiple insurers helps you avoid overpaying and find personalized rates that fit your specific situation.
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.
Cheapest Car Insurance Category | Cheapest Car Insurance Company |
|---|---|
Cheapest Liability-Coverage | GEICO |
Cheapest Full-Coverage | Travelers |
Cheapest for Teens | GEICO |
Cheapest for Young Adults | GEICO |
Cheapest for Seniors | State Farm |
Cheapest After an At-Fault Accident | State Farm |
Cheapest DUI Insurance | State Farm |
Cheapest After a Not At-Fault Accident | State Farm |
Cheapest After a Speeding Ticket | State Farm |
Cheapest After Texting and Driving | State Farm |
Cheapest for Bad Credit | GEICO |
Cheapest for Military Members | USAA |
Cheapest Usage Based Car Insurance | Progressive |
GEICO takes the lead as the cheapest car insurance company for liability coverage, consistently offering lower premiums than other major national competitors with rates starting at just $43 monthly. This makes GEICO the cheapest car insurance choice for most drivers seeking basic coverage. National General comes in second at $48 monthly, while State Farm, Progressive, and Travelers round out the top five cheapest liability options with monthly rates between $50 and $68.
| USAA | $28 | $335 | $524 | 97 |
| Geico | $43 | $514 | $301 | 90 |
| National General | $48 | $580 | $200 | 83 |
| Travelers | $50 | $597 | $269 | 93 |
| State Farm | $53 | $634 | $126 | 88 |
| Amica | $57 | $683 | $102 | 90 |
| Progressive | $68 | $820 | $30 | 86 |
Travelers offers the cheapest full coverage car insurance nationwide at $97 monthly, making it the top choice for drivers who want comprehensive protection without breaking the bank. GEICO comes in second for cheapest car insurance at $98 monthly, while State Farm, Progressive, and National General offer competitive rates between $105 and $112 monthly for those seeking alternative cheap full coverage options.
| USAA | $70 | $835 | $524 | 97 |
| Travelers | $97 | $1,158 | $269 | 93 |
| Geico | $98 | $1,177 | $301 | 90 |
| National General | $109 | $1,313 | $200 | 83 |
| Amica | $117 | $1,406 | $102 | 90 |
| State Farm | $124 | $1,483 | $126 | 88 |
| Progressive | $128 | $1,532 | $30 | 86 |
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.
GEICO offers the cheapest car insurance in the majority of states, securing the top spot in 32 states with rates as low as $41 in Alaska and $42 in Alabama. Travelers is the cheapest car insurance company in several competitive markets including Arizona with premiums averaging $41 per month, while State Farm provides the cheapest car insurance in select states like Arkansas at $45 monthly, where having a local agent relationship gives them an edge.
| Alabama | Geico | $42 | $1,107 | 84 |
| Alaska | Geico | $41 | $1,040 | 90 |
| Arizona | Travelers | $41 | $993 | 94 |
| Arkansas | Geico | $39 | $1,168 | 85 |
| California | Geico | $39 | $1,091 | 87 |
| Colorado | Geico | $32 | $1,164 | 85 |
| Connecticut | Geico | $34 | $895 | 92 |
| Delaware | Travelers | $48 | $934 | 94 |
| District of Columbia | Geico | $86 | $1,823 | 77 |
| Florida | Travelers | $52 | $1,343 | 98 |
| Georgia | Geico | $40 | $1,218 | 88 |
| Hawaii | Geico | $24 | $787 | 90 |
| Idaho | State Farm | $18 | $667 | 85 |
| Illinois | Geico | $30 | $825 | 91 |
| Indiana | Geico | $33 | $773 | 81 |
| Iowa | State Farm | $20 | $1,086 | 82 |
| Kansas | Geico | $25 | $849 | 89 |
| Kentucky | Travelers | $47 | $1,132 | 95 |
| Louisiana | Geico | $54 | $1,877 | 93 |
| Maine | Travelers | $28 | $627 | 96 |
| Maryland | Geico | $51 | $1,062 | 84 |
| Massachusetts | Geico | $38 | $978 | 84 |
| Michigan | Travelers | $25 | $945 | 96 |
| Minnesota | State Farm | $33 | $1,133 | 83 |
| Mississippi | Progressive | $54 | $1,714 | 79 |
| Missouri | Geico | $38 | $1,048 | 88 |
| Montana | State Farm | $19 | $1,020 | 88 |
| Nebraska | Geico | $27 | $811 | 87 |
| Nevada | Travelers | $57 | $1,261 | 94 |
| New Hampshire | Geico | $33 | $736 | 87 |
| New Jersey | Travelers | $105 | $1,884 | 86 |
| New Mexico | State Farm | $37 | $1,331 | 81 |
| New York | Progressive | $34 | $765 | 96 |
| North Carolina | State Farm | $24 | $671 | 94 |
| North Dakota | Geico | $28 | $732 | 88 |
| Ohio | Travelers | $36 | $901 | 90 |
| Oklahoma | Progressive | $29 | $1,156 | 90 |
| Oregon | State Farm | $39 | $1,084 | 94 |
| Pennsylvania | Travelers | $30 | $837 | 94 |
| Rhode Island | State Farm | $43 | $1,053 | 85 |
| South Carolina | Geico | $58 | $1,349 | 83 |
| South Dakota | Progressive | $14 | $662 | 93 |
| Tennessee | Travelers | $38 | $936 | 88 |
| Texas | State Farm | $41 | $1,118 | 88 |
| Utah | Geico | $46 | $1,076 | 88 |
| Vermont | State Farm | $22 | $677 | 84 |
| Virginia | Travelers | $30 | $733 | 94 |
| Washington | State Farm | $38 | $1,327 | 90 |
| West Virginia | Geico | $43 | $1,103 | 78 |
| Wisconsin | Geico | $20 | $640 | 88 |
| Wyoming | Geico | $15 | $984 | 90 |
*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.
GEICO has the cheapest car insurance for most teen drivers seeking minimum coverage, with rates dropping as teens gain experience. At 17 years old, drivers pay $237 monthly, while 18-year-olds see rates fall to $205 monthly, and 19-year-olds get even better deals. However, State Farm is the cheapest for 16-year-olds at $271 monthly, making it the cheapest car insurance company for the youngest drivers just starting.
When it comes to full coverage, the landscape shifts depending on your teen's age. State Farm delivers the cheapest car insurance for younger teens with full coverage, charging $529 monthly for 16-year-olds and $468 monthly for 17-year-olds. Travelers steps in as the cheapest car insurance company for 18-year-olds needing full coverage at $415 monthly, while GEICO secures the cheapest car insurance for 19-year-olds at $321 monthly.
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
GEICO is the cheapest car insurance company for young adults for minimum and full coverage protection. For minimum coverage, GEICO has the cheapest rates, dropping from $132 monthly at age 20 to $75 monthly by age 25. For full coverage, GEICO maintains the cheapest rates, declining from $288 monthly at age 20 to $164 monthly by age 25, making it the cheapest car insurance company choice throughout the young adult years.
State Farm is the best choice for senior drivers looking for the cheapest car insurance, with minimum coverage rates starting at $137 monthly for senior 65 and over. Travelers is the second-best cheap company at $144 monthly, while Chubb rounds out the top three options at $174 monthly. The difference between the cheapest and most expensive among these top contenders saves seniors about $37 monthly, or $444 annually, just by choosing wisely.
GEICO emerges as the clear winner for full coverage, delivering the cheapest car insurance for seniors at $124 monthly. Amica follows close behind at $130 monthly, while Travelers maintains its competitive edge at $132 monthly. Seniors can save more on full coverage than minimum coverage when they shop around, with potential annual savings reaching $506 by choosing GEICO over pricier alternatives. This makes full coverage a smart financial move for many seniors who want cheap comprehensive protection.
| State Farm | $137 | $1,644 | $633 |
| Travelers | $144 | $1,727 | $550 |
| Chubb | $174 | $2,086 | $191 |
| Geico | $174 | $2,092 | $185 |
| Amica | $175 | $2,098 | $179 |
Teen drivers get hit with the steepest premiums because they're nearly three times more likely to crash than drivers in their twenties and beyond. Similarly, rates may increase for seniors, as drivers over 70 have a higher crash mortality rate per 1,000 crashes than middle-aged drivers.
State Farm offers the cheapest car insurance for high-risk drivers across all violation types, providing the cheapest car insurance premiums for drivers with at-fault accidents, averaging $62 monthly, drivers with a DUI violation usually pay rates of $72 monthly, and drivers with speeding tickets can expect premiums around $56 monthly. Use the table below to compare the cheapest car insurance companies for your specific high-risk situation.
| State Farm | $62 | $741 | $35 | 91 |
| Travelers | $70 | $835 | $28 | 94 |
| Progressive | $101 | $1,212 | $4 | 88 |
| Nationwide | $107 | $1,288 | $10 | 83 |
| Allstate | $118 | $1,419 | $21 | 81 |
Being labeled a high-risk driver results in higher premiums, limited coverage options, and potential policy cancellation by your current insurer. Depending on your state and violation history, you may need special filings such as SR-22 or FR-44 certificates. When switching companies to find the cheapest car insurance after a violation, ensure you maintain continuous coverage without lapses and verify your new insurer can process required filings.
GEICO is the cheapest car insurance company for drivers with bad credit, with the lowest premiums, at $141 monthly, even when your credit scores work against you. Auto-Owners takes second place for credit-challenged drivers at $155 monthly, while Travelers rounds out the top three cheapest car insurance companies at $159 monthly. Your credit score can seriously impact your car insurance rates in most states, but the good news is that some companies are more forgiving than others.
| GEICO | $141 | $1,688 |
| Auto-Owners Insurance Co | $155 | $1,862 |
| Travelers | $159 | $1,909 |
| Progressive | $207 | $2,489 |
| Allstate | $226 | $2,709 |
In most states, yes, but California, Hawaii, Massachusetts, and Michigan prohibit using credit scores for car insurance pricing. Check your state insurance department for specific regulations.
USAA stands alone as the cheapest car insurance for military members, veterans, and their families, delivering unmatched rates that civilian companies simply can't compete with. With minimum coverage starting at just $335 annually and full coverage at $835, USAA's military-exclusive pricing creates savings of nearly $200 compared to the next cheapest company.
GEICO steps up as the best civilian alternative for those who don't qualify for USAA membership, offering the cheapest car insurance rates available to all military personnel at $514 for minimum coverage and $1,177 for full coverage. The gap between USAA and civilian options highlights why military families should always check their USAA eligibility first.
| USAA | $335 | $835 | 97 |
| Geico | $514 | $1,177 | 87 |
| National General | $580 | $1,313 | 81 |
| Travelers | $597 | $1,158 | 90 |
| Amica | $683 | $1,406 | 87 |
| Progressive | $820 | $1,532 | 84 |
Current and former military personnel and their families can often access military discounts or policies that can substantially lower the cost of premiums with several top rated cheap car insurance companies. It's always good to ask about a military discount when shopping around for quotes.
Programs like Progressive Snapshot, State Farm Drive Safe & Save, and GEICO DriveEasy offer pathways to the cheapest car insurance rates for qualifying drivers, with discounts up to 40% making these the cheapest car insurance options for safe drivers. 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 |
Finding the cheapest car insurance requires a systematic approach to ensure you get the cheapest car insurance rates while maintaining adequate protection. Follow this guide to identify the cheapest car insurance options for your specific 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.
While knowing the cheapest car insurance companies provides a baseline, getting personalized quotes reveals your actual cheapest car insurance options based on your specific profile. The cheapest car insurance for your situation may differ from general rankings, making quotes essential for finding your cheapest car insurance rates.
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:
Aug 24, 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.
Maximizing discounts is the most effective strategy for securing the cheapest car insurance possible. The cheapest car insurance often results from combining multiple discounts rather than just choosing the lowest base rate, making discount optimization crucial for finding the cheapest car insurance for your situation.
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.
