Updated: February 3, 2026
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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 companies are more affordable than others. The top car insurance companies balance affordability and service, and if you're a homeowner, you may consider bundling multiple insurance policies together.
Compare the cheapest and best car insurance quotes and companies below:
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 significantly due to state laws, required coverage levels, and local risk factors such as 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 higher-priced options can save you up to $1,943 per 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% |
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, with some finding differences exceeding $8,500 annually.
Price matters, but customer satisfaction and claims-paying ability are equally important when you need to use your coverage. See MoneyGeek's car insurance company review of each provider to compare affordability, customer experience, and coverage ratings.
| 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 $1000 deductible insuring a 20212 Toyota Camry.
Compare insurance costs when shopping for a new vehicle. Insurance could add $100 to $200 per month to your budget, depending on which make and model you choose.
A Subaru Outback costs $96 per month to insure, while a Tesla Model Y costs $241 per month—both are mid-size SUVs, but insurance rates differ by $145 monthly or $1,740 annually. Compare car insurance costs by vehicle to see how Honda and Toyota sedans cost $82 and $119 per month to insure. Compact vans like the Honda Odyssey cost $103 per month, while electric vehicles average $241 per month or more.
Car insurance includes several coverage types that protect you in different situations and affect 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. Read the articles below for detailed explanations of each coverage type and how they work.
Shopping for car insurance requires more than just comparing prices. Follow these six steps to compare car insurance companies and find the best coverage:
The information needed to compare car insurance quotes is straightforward, but companies will require specific details:
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 may make sense, since full coverage premiums could 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. Understanding uninsured motorist coverage is also important, as it protects you when other drivers lack adequate insurance.
Compare the same coverage limits and deductibles across insurers. Comparing a $500 deductible from State Farm against 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.
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 annually, 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.
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, learn how to switch car insurance companies without coverage gaps. You can also explore strategies for how to lower your car insurance rate with your current or new insurer.
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.
