Cheapest Car Insurance in 2025 (Find Savings With These 10 Companies)
The cheapest car insurance is with USAA, Geico, and State Farm. USAA car insurance starts at $22 a month but is only available to military families. Geico and State Farm are the cheapest auto insurance companies for most other drivers at $30 and $33 per month, but State Farm has higher satisfaction ratings.
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Brandon Frady
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Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Jul 30, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsUSAA, Geico, and State Farm have the cheapest car insurance. Before you cancel car insurance, these providers can help you save money on coverage while still offering robust protection.
Our Top 10 Company Picks: Cheapest Car Insurance| Company | Rank | Monthly Rates | UBI | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | 30% | Military Personnel | USAA |
 | #2 | $30 | 25% | Safe Drivers | Geico |
 | #3 | $33 | 20% | Local Agents | State Farm |
 | #4 | $37 | 30% | Industry Experience | Travelers |
 | #5 | $39 | $231/yr | Budget Shoppers | Progressive |
 | #6 | $43 | 15% | Loyalty Rewards | American Family |
 | #8 | $44 | 25% | Vanishing Deductible | Nationwide |
 | #7 | $53 | 30% | Insurance Discounts | Farmers |
 | #9 | $61 | 30% | Comprehensive Coverage | Allstate |
 | #10 | $68 | 30% | Multiple Policies | Liberty Mutual |
The top three providers distinguish themselves with competitive pricing, and many offer very cheap car insurance with no deposit. Minimum coverage rates start at $22 per month at USAA.
Only military members can buy USAA insurance, but Geico and State Farm have cheap auto insurance starting at $30 in most states.
- USAA has cheap car insurance for military members, starting at $22 a month
- Geico and State Farm have the cheapest car insurance in all 50 states
- Compare auto insurance quotes online to find the cheapest policy near you
Enter your ZIP code to shop for coverage from the top insurers to get the right car insurance at the best price in your city.
Where to Get the Cheapest Car Insurance Rates
USAA stands out with the lowest monthly rates, charging $22 for minimum and $110 for full coverage. However, since coverage is only available to military personnel, Geico and State Farm are the next affordable options.
Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $61 | $145 |
| $43 | $132 |
| $53 | $158 |
| $30 | $120 |
| $68 | $142 |
| $44 | $130 |
| $39 | $138 |
| $33 | $127 |
| $37 | $150 |
| $22 | $110 |
At the other end, Liberty Mutual lists the highest monthly rates at $68 for minimum and $142 for full coverage since it provides a broader spectrum of options for potential policyholders.
State laws set policy limits and additional coverage requirements, impacting monthly premiums across different regions.
Daniel Walker Licensed Insurance Agent
You might see higher or lower insurance rates depending on where you live. Use our auto insurance visual guide to determine how much coverage you need.
Minimum coverage is cheaper, but your vehicle will not be protected in case of an accident. USAA, Geico, and State Farm are still the cheapest car insurance companies in most states for full coverage, so use our free quote comparison tool to see which is the cheapest provider near you.
Cheapest Car Insurance for Young Drivers
Due to inexperience, young drivers are the riskiest to insure, and teens under 21 will have the hardest time finding cheap auto insurance companies. USAA and Geico are the only two companies with auto insurance rates for teens under $200 per month.
Auto Insurance Monthly Rates for Young Drivers
| Insurance Company | Age: 16 Male | Age: 16 Female | Age: 18 Male | Age: 18 Female | Age: 21 Male | Age: 21 Female |
|---|---|---|---|---|---|---|
| $371 | $338 | $318 | $275 | $265 | $238 |
| $296 | $230 | $253 | $187 | $210 | $180 |
| $452 | $452 | $387 | $368 | $340 | $310 |
| $178 | $163 | $153 | $132 | $125 | $117 |
| $464 | $404 | $398 | $329 | $218 | $199 |
| $279 | $230 | $239 | $187 | $172 | $158 |
| $467 | $440 | $400 | $358 | $315 | $288 |
| $208 | $177 | $178 | $144 | $135 | $122 |
| $517 | $392 | $443 | $319 | $305 | $275 |
| $146 | $137 | $125 | $111 | $98 | $91 |
State Farm is the next most affordable option, charging around $177 per month for 17-year-olds and around $140 monthly for 18-year-olds. Compare State Farm vs. Progressive auto insurance for more quotes.
By age 21, rates at most companies start to even out, but USAA, Geico, and State Farm remain the cheapest options for young drivers.
Cheapest Car Insurance for Seniors
As drivers age, monthly rates decrease significantly. Some seniors pay less than $50 a month for car insurance with companies like USAA, State Farm, Geico, and Travelers.
Auto Insurance Monthly Rates for Senior Drivers
| Insurance Company | Age: 55 Male | Age: 55 Female | Age: 65 Male | Age: 65 Female | Age: 75 Male | Age: 75 Female |
|---|---|---|---|---|---|---|
| $82 | $83 | $86 | $87 | $152 | $143 |
| $59 | $58 | $75 | $75 | $134 | $126 |
| $72 | $72 | $75 | $75 | $162 | $154 |
| $41 | $40 | $42 | $42 | $118 | $110 |
| $91 | $89 | $95 | $93 | $144 | $136 |
| $59 | $58 | $62 | $62 | $131 | $122 |
| $52 | $56 | $55 | $58 | $138 | $130 |
| $45 | $45 | $47 | $47 | $121 | $113 |
| $50 | $50 | $53 | $52 | $153 | $145 |
| $30 | $30 | $31 | $31 | $107 | $99 |
However, older drivers over 70 may experience rate hikes due to age. Always compare companies every year to find cheap auto insurance for seniors as you get older.
Cheapest Car Insurance for High-Risk Drivers
State Farm and USAA are the cheapest auto insurance companies for high-risk drivers, especially those with accidents or DUIs on their records. Geico costs more than the other top companies but is still cheaper than most providers on this list.
Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | Speeding Ticket | Driving Uninsured | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|---|
| $61 | $145 | $157 | $172 | $215 |
| $43 | $130 | $138 | $160 | $198 |
| $53 | $148 | $154 | $168 | $210 |
| $30 | $125 | $134 | $158 | $192 |
| $68 | $150 | $162 | $180 | $225 |
| $44 | $135 | $142 | $165 | $200 |
| $39 | $140 | $150 | $170 | $205 |
| $33 | $120 | $129 | $155 | $190 |
| $37 | $132 | $143 | $167 | $203 |
| $22 | $110 | $122 | $145 | $178 |
Any of these infractions is likely to raise rates, but each company assesses risk differently, charging vastly different rates.
It’s important to compare quotes from multiple companies to avoid rate spikes, especially if you were recently in an accident or received a citation.
Cheapest Car Insurance After Claims
Filing a car insurance claim will raise your rates, but a collision claim for an accident raises premiums more than a comprehensive claim for theft or weather-related damage. Geico and USAA are the cheapest car insurance companies after both types of claims, but State Farm and Nationwide are both very affordable after a comprehensive claim.
Auto Insurance Full Coverage Monthly Rates After Claims
| Insurance Company | Claim- Free | Collision Claim | Comprehensive Claim |
|---|---|---|---|
| $145 | $191 | $173 |
| $132 | $177 | $160 |
| $158 | $210 | $194 |
| $120 | $161 | $143 |
| $142 | $188 | $172 |
| $130 | $174 | $157 |
| $138 | $186 | $169 |
| $127 | $166 | $150 |
| $150 | $200 | $178 |
| $110 | $146 | $130 |
If you need to file an auto insurance claim, pay attention to customer reviews as much as price. USAA and State Farm have the highest claims satisfaction in most states. These are the 10 worst states to file an auto insurance claim, and rates are significantly higher for drivers who live there.
Cheapest Car Insurance by Credit Score
Although it has nothing to do with your driving experience, your credit score does impact how much you pay for insurance. Providers consider drivers with bad credit to be more likely to file claims and will charge them slightly higher rates. Find out what to do if you’re denied insurance coverage for poor credit.
Auto Insurance Full Coverage Monthly Rates by Credit Score| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $110 | $145 | $150 |
| $105 | $132 | $145 |
| $115 | $158 | $155 |
| $95 | $120 | $135 |
| $100 | $142 | $140 |
| $102 | $130 | $142 |
| $98 | $138 | $138 |
| $90 | $127 | $130 |
| $112 | $150 | $152 |
| $85 | $110 | $125 |
Companies charge between $130 and $140 a month for drivers with average or fair credit, but those with good credit and clean records can pay less than $100 per month for full coverage. Using credit score to set rates isn’t allowed in every state, so always check your local insurance laws before comparing quotes online.
Enter your zip code below to view companies that have cheap insurance rates.
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How to Lower Your Car Insurance Rates
If you’re looking for the cheapest car insurance quotes, start comparing discounts. State Farm, Travelers, and USAA cater to different types of drivers with diverse discounts for good students, accident-free records, and military service.
Auto Insurance Discounts From Top Providers
| Insurance Company | Bundling | Claim Free | Low Mileage | Loyalty | UBI |
|---|---|---|---|---|---|
| 25% | 10% | 30% | 15% | 30% |
| 25% | 15% | 20% | 18% | 30% |
| 20% | 9% | 10% | 12% | 30% |
| 25% | 12% | 30% | 10% | 25% |
| 25% | 8% | 30% | 10% | 30% |
| 20% | 14% | 20% | 13% | 40% |
| 10% | 10% | 30% | 13% | $231/yr |
| 17% | 11% | 30% | 7% | 30% |
| 13% | 13% | 20% | 9% | 30% |
| 10% | 20% | 20% | 11% | 30% |
Other top providers, such as Allstate, American Family, and Farmers, offer a mix of discounts, including multi-policy, safe driving, and early signing. Liberty Mutual, Nationwide, and Progressive can be more expensive but provide savings through usage-based insurance like RightTrack and SmartRide, which reward safe drivers.
There are numerous ways to reduce costs, from bundling policies to practicing safe driving habits. The good news is that even if you’re a high-risk driver or don’t qualify for certain discounts, you can still get a cheap car insurance quote if you follow these tips:
- Reduce Coverage: If you drive an older car or have paid off your auto loan, the fastest way to lower your rates is to drop full coverage and carry just minimum liability.
- Increase Deductibles: If you don’t want to reduce or drop coverage, increasing full coverage deductibles to $1,000 or more can significantly lower your monthly premiums.
- Compare Quotes: Getting quotes from multiple companies online and comparing discounts and usage-based rewards can help you find the cheapest car insurance.
As this Reddit user points out, learning how to compare car insurance companies online and getting quotes every six months helps drivers maintain long-term, affordable coverage.
Comment
byu/IndependentSlip7113 from discussion
inInsurance_Companies
If you want the cheapest car insurance, Reddit is a good resource for advice from local forums, but you can only get free quotes on comparison sites like this one.
Top 10 Cheapest Car Insurance Companies
USAA has the cheapest auto insurance at $22 per month. Military members exclusively enjoy its low rates and excellent customer service.
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With $280 million more returned, totaling $800 million, auto policyholders see an additional 20% credit on premiums extended to a third month. https://t.co/nlUBCuEIIw pic.twitter.com/OL9Bnouxat
— USAA (@USAA) May 1, 2020
If you aren’t in the military, compare quotes from Geico and State Farm to find lower rates. By comparing the top ten cheapest car insurance companies in the country, you can save more money on car insurance with a plan that fits your budget.
#1 – USAA: Top Overall Pick
Pros
- Lowest National Rates: Offers some of the cheapest car insurance for military families, starting at $22 a month. Compare quotes in our USAA insurance review.
- Dedicated Military Support: Provides significant discounts that can lower the cost of premiums while drivers are deployed.
- Exceptional Service: Known for exceptional customer service that helps military families access the cheapest car insurance options.
Cons
- Limited to Military Families: Only available to military personnel and their families, which limits accessibility to the cheapest car insurance for others.
- Limited Local Support: Operates primarily online with very few local agents for drivers who prefer to shop for cheap car insurance in person.
Enter your zip code below to view companies that have cheap insurance rates.
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#2 – Geico: Cheapest for Safe Drivers
Pros
- Cheapest Monthly Rates: Drivers with clean records and no claims can buy full coverage starting at $80 per month.
- Wide Range of Discounts: Offers a variety of discounts, including federal employee and low mileage discounts, that lead to cheaper car insurance rates.
- Cost-Saving Technology: Streamlined mobile app and website provide cheaper car insurance through tools like online quote comparisons.
Cons
- Variable Customer Service: Even if Geico’s rates are cheap, the quality of its customer service varies. Find out everything you need to know about Geico before you buy.
- Basic Coverage Options: Geico lacks add-ons that many drivers need, like gap insurance.
#3 – State Farm: Best for Local Agents
Pros
- Local Agent Deal Support: Provides personalized service to help drivers find the cheapest car insurance rates through local agents.
- User-Friendly Mobile App: Facilitates management of policies and claims, supporting the ongoing affordability of car insurance.
- Usage-Based Savings: Drive Safe & Save tracks good driving habits for discounts and won’t raise your rates if you speed or brake too hard. See how it works in our State Farm review.
Cons
- Variable Regional Availability: State Farm agents may not write new car insurance policies in Massachusetts, Rhode Island, Florida, or California.
- Reliance on Discounts: Without qualifying for discounts, customers might not get the cheapest car insurance rates available.
#4 – Travelers: Best for Industry Experience
Pros
- Reliable Market Experience: Over 100 years in the insurance industry gives Travelers agents an edge over the competition when it comes to finding the cheapest car insurance.
- Financially-Driven Stability: Its A++ financial rating supports cheap car insurance with reliable claims payments. See more company ratings in our Travelers auto insurance review.
- Flexible Discount Options: Offers multiple discounts that help customers secure cheaper car insurance rates, including for electric vehicles and teen drivers.
Cons
- Comprehensive Rate Increases: Adding more comprehensive options may come at a higher price than with other cheap auto insurance companies.
- Poor Claims Handling: Travelers ranks in the bottom five for claims satisfaction in annual J.D. Power customer surveys.
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#5 – Progressive: Best for Budget Shoppers
Pros
- Flexible Rate Structures: Online features like the Name Your Price tool make it easy for drivers to find the cheapest car insurance.
- Wide Driver Eligibility: Progressive offers cheap car insurance to drivers with less-than-perfect records. Read everything you need to know about Progressive insurance to learn how to qualify.
- National Coverage: Progressive sells cheap auto insurance in all 50 states. Minimum coverage starts for $39 a month.
Cons
- Negative Claims Reviews: Progressive has the worst claims handling out of the top ten cheapest car insurance companies on this list.
- Renewal Cost Fluctuations: Some customers report unexpected rate increases at renewal, losing their cheap car insurance savings.
#6 – American Family: Cheapest for Loyal Customers
Pros
- Loyalty-Driven Rewards: Long-term customers can benefit from loyalty discounts, and teen drivers get cheaper car insurance rates if their parents have an AmFam policy.
- Broad Acceptance: Welcomes a wide range of drivers, including high-risk drivers who need SR-22 insurance and young drivers under 21.
- High Customer Satisfaction: AmFam customer service and claims handling are well-reviewed in most regions, supporting its affordable coverage.
Cons
- Regional Availability: American Family car insurance coverage is not available in every state. Find out if it’s near you in our American Family Insurance review.
- Complex Policy Management: Managing highly customizable policies can be complex, potentially leading to difficulties in maintaining the cheapest rates.
#7 – Nationwide: Cheapest Vanishing Deductible
Pros
- Shrinking Deductibles: Nationwide reduces deductibles by $50 every six months if drivers go without a claim to help reduce out-of-pocket insurance costs.
- Reliable Financial Stability: View our Nationwide insurance review to see how Nationwide’s financial strength ensures reliable and consistently affordable pricing.
- Usage-Based Discount: Save up to 40% with safe driving habits using Nationwide SmartRide to track things like speeding, braking, and mileage.
Cons
- Regional Availability: Despite its name, Nationwide car insurance is only sold in 46 states.
- Expensive Monthly Rates: Features like vanishing deductibles might come with initially higher costs, potentially making it less affordable compared to other cheap car insurance options.
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#8 – Farmers: Cheapest With Insurance Discounts
Pros
- Cheap With Discounts: Farmers has more discounts than other cheap car insurance companies, and drivers who bundle various types of policies can achieve significant savings.
- Personalized Support: Local agents are available to help customers navigate options and secure the cheapest car insurance deals.
- Uncommon Coverages: Farmers provides cheap car insurance add-ons for rideshare insurance, glass replacement, and custom parts coverage.
Cons
- Complex Customization Costs: Customizing coverage can sometimes result in higher costs. Here’s everything you need to know about Farmers Insurance to see if its policies are right for you.
- Regional Rate Fluctuations: Premiums can vary widely depending on the location, which may impact the affordability of the cheapest car insurance in certain areas.
#9 – Allstate: Cheapest Comprehensive Coverage
Pros
- Comprehensive Policies: Our Allstate insurance review covers how policy options can be adjusted to fit your budget while securing comprehensive protection.
- Long List of Discounts: Various discounts are available to help reduce premiums, making it easier to find the cheapest car insurance.
- Robust Agent Network: A Widespread local agent network can negotiate the best, cheapest car insurance deals for new policyholders.
Cons
- Increased Coverage Costs: Comprehensive options can come at a higher cost of $61 per month, more than double the average rates from the top three companies.
- Variable Customer Service: Allstate ranks lower in claims satisfaction, and drivers in different regions have mixed reviews regarding local agent service.
#10 – Liberty Mutual: Cheapest for Multiple Policies
Pros
- Substantial Multi-Policy Savings: Drivers who bundle auto with home or renters insurance get some of the cheapest car insurance rates.
- Flexible Add-on Coverage: Use our Liberty Mutual insurance review to find flexible coverage add-ons, like new car replacement and classic car insurance.
- Educator Perks: Teachers qualify for additional coverage up to $2,500 for school-related items damaged in a covered event.
Cons
- Higher Base Rates: Initial rates with Liberty Mutual are usually higher than other cheap auto insurance companies on this list.
- High Number of Complaints: Liberty Mutual auto insurance receives twice as many complaints as other cheap car insurance companies.
Enter your zip code below to view companies that have cheap insurance rates.
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Finding Affordable Car Insurance Near You
USAA, Geico, and State Farm stand out as the cheapest car insurance companies. USAA and State Farm receive high marks for their robust local agent networks and extensive discount options, while Geico is the cheapest auto insurance for good drivers at $30 a month.
USAA consistently receives 95% customer satisfaction ratings for its unbeatable rates and superior coverage.
Michelle Robbins Licensed Insurance Agent
Affordable auto insurance starts at $22 per month, but your rates could go up at renewal, even with the cheapest providers. Start shopping for the best liability-only car insurance with our free quote comparison tool.
Frequently Asked Questions
Where can I find cheap car insurance?
Military drivers can find affordable auto insurance with USAA, starting at $22 per month. If you aren’t from a military family, compare quotes from Geico and State Farm to see which is cheaper in your state.
How do I get cheap car insurance online?
Is it possible to get cheap online car insurance quickly? Yes, many insurers provide affordable auto insurance online, with free quotes available on their websites. Enter your ZIP code to begin.
What are the benefits of affordable car insurance?
Affordable car insurance offers comprehensive coverage at lower costs, ensuring you get affordable comprehensive car insurance without sacrificing protection. Find out what to do if you cannot afford auto insurance.
How do I get cheap car insurance?
Maintaining a safe driving record is the easiest way to get cheap auto insurance. If you have a less-than-perfect record, start comparing quotes online to find an affordable high-risk insurance provider.
What cars are cheaper to insure?
Older vehicles from 2013 or earlier have more affordable rates due to their cheap replacement parts and low-cost repairs. Newer cars with advanced navigation systems, backup cameras, and other expensive technology often have higher repair costs and more expensive premiums.
Who typically has the cheapest car insurance?
Companies like USAA, Geico, and State Farm are known for providing affordable car insurance plans and affordable car insurance quotes. Compare State Farm vs. Farmers, Geico, Progressive, and Allstate auto insurance to find the best company for you.
Is Allstate cheaper than Geico car insurance?
No, Allstate is often more expensive than Geico, although it offers more comprehensive coverage options. Compare Geico vs. Allstate auto insurance for free quotes.
Is Progressive cheaper than Geico car insurance?
Geico is typically cheaper than Progressive, but rates often only vary by a few dollars a month. Always compare quotes online before you buy to see how much car insurance costs in your city.
How much is car insurance for a new driver?
Minimum coverage costs around $265 per month for drivers under 21, but can reach over $400 a month for 16-year-olds. USAA is the cheapest car insurance for new drivers, starting at $91 per month.
At what age does auto insurance get cheaper?
Car insurance rates usually get cheaper after drivers turn 25, as long as they don’t have any accidents or DUIs on their records. Learn how to buy auto insurance in our guide to get the best rates.
Enter your zip code below to view companies that have cheap insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
