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. The best companies price well and back it up with strong customer service and claims handling. Homeowners can also save by bundling auto with home insurance.
Compare Car Insurance Quotes
Updated: June 10, 2026
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$192
High
$139
Average
$87
Low
Rates updated:
Jun 10, 2026
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 |  State Farm | 83 /of 100 | $118 |
| 4 |  Travelers | 83 /of 100 | $129 |
| 5 |  Progressive | 79 /of 100 | $133 |
| 6 |  Farmers | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Compare Auto Insurance With Expert Analysis
Compare Car Insurance by State
Car insurance rates vary across states, cities and ZIP codes based on state laws, required coverage levels and local conditions like accident rates, theft frequency and weather. Switching to your state's cheapest carrier saves up to $1,943 a year.
No national carrier leads everywhere. State Farm is cheapest in 18 states, mostly in the Mountain West and South, and GEICO leads in 16. Amica has the lowest rates in Massachusetts and New Jersey. Progressive wins in Mississippi, New York, Oklahoma and South Dakota.
| 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 the most of any location: $604 by choosing GEICO, followed by Connecticut at $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 the 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 that Nationwide prices at $77. Quotes from at least three companies save drivers $709 on average, according to MoneyGeek's analysis, and some drivers find differences of more than $8,500 a year.
MoneyGeek's car insurance company reviews cover 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 state minimum liability and full coverage (100/300/100 liability limits, $1,000 deductible) for 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 that $145 difference adds up to $1,740 a year. Honda sedans average $82 a month for full coverage, and Toyota sedans run $119. Compact vans come in at $103 a month for full coverage, less than most electric vehicles.
Drivers with violations or poor credit often pay less with carriers that specialize in nonstandard policies. Rates vary by violation type and credit score. MoneyGeek's analysis of car insurance for high-risk drivers shows the cheapest rates for each 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
How you shop for car insurance matters more than the number of quotes you collect. The same coverage costs hundreds more with some carriers than others.
- 1Collect your vehicle and personal information
Have these details ready before you start:
- 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 is often the smarter choice. 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. Add uninsured motorist coverage, too. It pays your medical bills and repair costs when another driver causes an accident without enough insurance to cover them.
Drivers who need to reinstate their license should compare SR-22 insurance rates to find the most affordable option in their state.
- 3Use identical coverage across all quotes
Compare the same coverage limits and deductibles across all insurers. A $500 deductible from State Farm compared with a $1,000 deductible from GEICO skews the comparison in GEICO's favor.
- 4Apply all applicable discounts
Make sure every quote reflects your car insurance discounts. Safe driver discounts save 20% to 30%. 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.
Call agents to confirm your discounts are included before comparing final prices. A company with more discounts doesn't automatically come out cheaper than a lower-priced competitor.
- 5Compare beyond price
A lower price means nothing if the insurer delays your claim or is hard to reach when you need help. Check company reviews and financial stability ratings before you decide. Once you find a better deal, switch car insurance companies without a lapse in coverage. You can also work with your current insurer to lower your car insurance rate before switching.
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 even loyal customers get better deals elsewhere.
What's the best way to compare car insurance rates?
Use the same coverage limits and discounts across every quote. Pull prices from at least three companies, including online insurers and local agents.
What information do I need to compare car insurance quotes accurately?
You'll need your driver's license, VIN, current policy details, driving history and information about any other drivers in your household. Give every insurer the same data so your quotes are comparable.
Where can I compare car insurance quotes?
You can compare car insurance quotes on MoneyGeek or go straight to major insurers like State Farm and GEICO.
How many car insurance companies should I compare?
Compare three to five car insurance companies to find the best rates. More quotes raise your chances of finding lower premiums, but the savings gap narrows 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 spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.