Updated: November 21, 2024
Advertising & Editorial Disclosure
Average annual rate: $1,284
Average monthly rate: $107
Travelers provides low-cost comprehensive car insurance and optional add-ons for enhanced protection.
Average annual rate: $601
Average monthly rate: $50
Travelers stands out for its competitive prices on minimum coverage car insurance, targeting drivers who seek a balance between affordability and necessary protection.
The cheapest car insurance isn't always obvious. Your age, driving history and even your ZIP code can make a big difference in your rates. A little research can go a long way in helping you avoid overpaying for car insurance.
MoneyGeek surveyed the major insurers nationwide to find the cheapest car insurance for different types of drivers. Let us help you compare car insurance quotes to find the best deal.
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Why Trust MoneyGeek? We gathered insurance rates from state departments of insurance and Quadrant Information Services, using driver profiles with different ages, driving histories, credit scores and geographic locations to showcase the cheapest rates for various needs.
These rates reflect the cheapest car insurance quotes nationally and by state as of 2024.
MoneyGeek surveyed insurers to find the cheapest car insurance companies for a full coverage policy.
Cheapest full coverage car insurance companies and rates for ages 22 to 29:
The rates shown are for a full coverage policy with 100/300/100 limits and a $1,000 deductible for both collision and comprehensive coverage. You can actually customize your deductibles, choosing different amounts for each coverage. This can be a great way to lower your premium, but keep in mind that a lower comprehensive deductible may increase your overall costs.
| Travelers | $1,284 | $107 |
| GEICO | $1,453 | $121 |
| Nationwide | $1,525 | $127 |
| Progressive | $1,580 | $132 |
| State Farm | $1,585 | $132 |
| Allstate | $1,659 | $138 |
| Farmers | $1,825 | $152 |
Full coverage isn't an actual insurance product but a way to describe a policy that offers more than the basics; It typically includes collision and comprehensive coverage on top of the liability insurance that most states require. For a little extra each month, you can even add endorsements like rental reimbursement or roadside assistance to your policy.
Reviewing providers and rates for different policy limits shows how valuable it is to shop around and compare cheap car insurance quotes to find an affordable policy with the coverage you need.
States regulate insurance individually, so different states can have different price levels. Car insurance rates vary by state and city due to local regulations and risk levels.
To find the cheapest full coverage car insurance for your area, use the table below and click on your state for national and regional insurer options. Note that the rates below are for 25-year-old drivers.
| Alabama | Country Financial | $839 | $70 |
| Alaska | GEICO | $1,037 | $86 |
| Arizona | Root Insurance Company | $949 | $79 |
| Arkansas | Southern Farm Bureau | $1,047 | $87 |
| California | CSAA | $515 | $43 |
| Colorado | American National P&C | $1,012 | $84 |
| Connecticut | GEICO | $1,209 | $101 |
| Delaware | Travelers | $934 | $78 |
| District of Columbia | Erie | $1,428 | $119 |
| Florida | Travelers | $1,533 | $128 |
| Georgia | Country Financial | $1,087 | $91 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $639 | $53 |
| Illinois | American Family | $775 | $65 |
| Indiana | American Family | $638 | $53 |
| Iowa | American Family | $771 | $64 |
| Kansas | American Family | $1,047 | $87 |
| Kentucky | Travelers | $1,125 | $94 |
| Louisiana | Louisiana Farm Bureau | $1,504 | $125 |
| Maine | Travelers | $692 | $58 |
| Maryland | Nationwide | $1,511 | $126 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $1,033 | $86 |
| Minnesota | American Family | $892 | $74 |
| Mississippi | Direct General Insurance | $991 | $83 |
| Missouri | American Family | $1,062 | $88 |
| Montana | State Farm | $758 | $63 |
| Nebraska | American National P&C | $663 | $55 |
| Nevada | Country Financial | $1,164 | $97 |
| New Hampshire | Hanover | $800 | $67 |
| New Jersey | Plymouth Rock Assurance | $1,211 | $101 |
| New Mexico | GEICO | $1,103 | $92 |
| New York | Progressive | $1,274 | $106 |
| North Carolina | Erie | $646 | $54 |
| North Dakota | American Family | $744 | $62 |
| Ohio | American Family | $505 | $42 |
| Oklahoma | GEICO | $1,084 | $90 |
| Oregon | Kemper | $775 | $65 |
| Pennsylvania | Travelers | $789 | $66 |
| Rhode Island | Travelers | $1,040 | $87 |
| South Carolina | American National P&C | $813 | $68 |
| South Dakota | American Family | $761 | $63 |
| Tennessee | Travelers | $1,005 | $84 |
| Texas | Texas Farm Bureau | $932 | $78 |
| Utah | Nationwide | $896 | $75 |
| Vermont | State Farm | $739 | $62 |
| Virginia | Virginia Farm Bureau | $811 | $68 |
| Washington | PEMCO | $765 | $64 |
| West Virginia | GEICO | $1,278 | $107 |
| Wisconsin | American Family | $677 | $56 |
| Wyoming | Farmers | $870 | $72 |
Full coverage offers the most financial protection, as it includes comprehensive and collision insurance, which can pay for damages to your vehicle in case of an accident. However, if you're looking for the most affordable insurance possible, you might want to shop for the cheapest state minimum insurance policy available in your state.
State minimum coverage is the minimum amount of insurance required by law in your state. In some states, it's also known as state minimum liability insurance.
Cheapest minimum coverage car insurance companies and rates for ages 22 to 29:
To find the cheapest possible car insurance, ask for quotes that meet your state minimum car insurance requirements. This is often called basic coverage.
In Arizona, for example, you could stick to the 15/30/10 limits to get the lowest rates. If you want more financial protection, consider increasing your coverage limits to 100/300/100. But remember, minimum coverage pays for the other driver's expenses. If you want your own vehicle covered after an at-fault accident, you'll need full coverage car insurance.
| Travelers | $601 | $50 |
| Progressive | $611 | $51 |
| GEICO | $645 | $54 |
| State Farm | $676 | $56 |
| Nationwide | $838 | $70 |
| Allstate | $870 | $73 |
| Farmers | $871 | $73 |
Even if you opt for the cheapest car insurance — state minimum coverage — your rates will still vary depending on where you live. Some states require additional coverages like personal injury protection (PIP) coverage, medical payments coverage or uninsured and underinsured motorist coverage.
For example, Florida, Michigan and New York mandate PIP coverage, while states like Maine and Maryland require coverage for uninsured/underinsured motorists.
Travelers is the cheapest in most states, with an average monthly premium of $27 in Pennsylvania. State Farm is the cheapest option in some states, such as Montana, where it offers a $15 monthly premium.
Click on your state to find the cheapest minimum coverage options where you live. Note that the rates below are for 25-year-old drivers.
| Alabama | Cincinnati Insurance | $289 | $24 |
| Alaska | Progressive | $483 | $40 |
| Arizona | Travelers | $575 | $48 |
| Arkansas | Hanover | $315 | $26 |
| California | CSAA | $142 | $12 |
| Colorado | American National P&C | $373 | $31 |
| Connecticut | GEICO | $552 | $46 |
| Delaware | Travelers | $453 | $38 |
| District of Columbia | Chubb | $532 | $44 |
| Florida | Travelers | $707 | $59 |
| Georgia | Country Financial | $599 | $50 |
| Hawaii | GEICO | $275 | $23 |
| Idaho | American National P&C | $250 | $21 |
| Illinois | Mercury | $440 | $37 |
| Indiana | American Family | $340 | $28 |
| Iowa | Progressive | $255 | $21 |
| Kansas | Auto-Owners Insurance Co | $438 | $37 |
| Kentucky | Cincinnati Insurance | $381 | $32 |
| Louisiana | GEICO | $601 | $50 |
| Maine | Travelers | $350 | $29 |
| Maryland | State Farm | $832 | $69 |
| Massachusetts | State Farm | $221 | $18 |
| Michigan | Travelers | $489 | $41 |
| Minnesota | Westfield | $384 | $32 |
| Mississippi | Progressive | $360 | $30 |
| Missouri | Travelers | $520 | $43 |
| Montana | State Farm | $182 | $15 |
| Nebraska | American National P&C | $233 | $19 |
| Nevada | Country Financial | $642 | $53 |
| New Hampshire | Hanover | $214 | $18 |
| New Jersey | GEICO | $543 | $45 |
| New Mexico | Progressive | $404 | $34 |
| New York | Kemper | $751 | $63 |
| North Carolina | Erie | $306 | $26 |
| North Dakota | Nodak Mutual | $341 | $28 |
| Ohio | American Family | $258 | $22 |
| Oklahoma | Mercury | $376 | $31 |
| Oregon | Kemper | $441 | $37 |
| Pennsylvania | Travelers | $328 | $27 |
| Rhode Island | Travelers | $454 | $38 |
| South Carolina | American National P&C | $430 | $36 |
| South Dakota | Farmers Mutual of Nebraska | $269 | $22 |
| Tennessee | Westfield | $394 | $33 |
| Texas | Texas Farm Bureau | $433 | $36 |
| Utah | Nationwide | $550 | $46 |
| Vermont | State Farm | $256 | $21 |
| Virginia | Virginia Farm Bureau | $317 | $26 |
| Washington | PEMCO | $229 | $19 |
| West Virginia | Erie | $557 | $46 |
| Wisconsin | GEICO | $298 | $25 |
| Wyoming | GEICO | $202 | $17 |
Insurers charge different car insurance rates by age and sex. While sex plays a role in how insurers determine rates, age is a significant factor. A teen driver might pay thousands of dollars more per year than an adult driver, as the risk of motor vehicle crashes among teens ages 16 to 19 is almost three times as high as drivers older than 20.
Cheapest car insurance companies for drivers of different ages:
Similarly, when you reach your senior years, car insurance companies start raising rates again, as drivers over 70 have a higher crash mortality rate per 1,000 crashes than middle-aged drivers. Use the table below to find the most affordable insurer and rate by age for a full coverage policy.
| 16 | State Farm | $3,732 | $311 |
| 17 | State Farm | $3,312 | $276 |
| 18 | State Farm | $2,966 | $247 |
| 19 | State Farm | $2,531 | $211 |
| 20 | State Farm | $2,272 | $189 |
| 21 | GEICO | $1,824 | $152 |
| 22 | GEICO | $1,850 | $154 |
| 23 | GEICO | $1,655 | $138 |
| 24 | GEICO | $1,571 | $131 |
| 25 | GEICO | $1,448 | $121 |
| 26 | GEICO | $1,391 | $116 |
| 27 | GEICO | $1,338 | $112 |
| 28 | GEICO | $1,323 | $110 |
| 29 | GEICO | $1,309 | $109 |
| 30 | GEICO | $1,270 | $106 |
| 35 | GEICO | $1,251 | $104 |
| 40 | GEICO | $1,497 | $125 |
| 45 | GEICO | $1,244 | $104 |
| 50 | GEICO | $1,487 | $124 |
| 55 | State Farm | $1,201 | $100 |
| 60 | GEICO | $1,505 | $125 |
| 65 | State Farm | $1,140 | $95 |
| 70 | State Farm | $1,188 | $99 |
| 75 | State Farm | $1,289 | $107 |
| 80 | State Farm | $1,412 | $118 |
| 85 | State Farm | $1,537 | $128 |
| 90 | GEICO | $1,566 | $131 |
Insurance companies consider inexperienced teen drivers as high risk. For this reason, teens and student drivers can expect higher insurance rates.
Adding a teen driver to a family car insurance policy is often the most affordable option for them to be insured. The table below shows the cheapest car insurance company for teens on a family policy versus what they may pay for an individual policy with the same insurer.
| Alabama | Allstate | $1,862 | $4,554 | 59% | $2,691 |
| Alaska | GEICO | $2,131 | $3,887 | 45% | $1,756 |
| Arizona | Travelers | $1,970 | $3,702 | 47% | $1,732 |
| Arkansas | Allstate | $1,689 | $6,394 | 74% | $4,706 |
| California | State Farm | $2,943 | $3,327 | 12% | $384 |
| Colorado | Kemper | $1,393 | $7,816 | 82% | $6,422 |
| Connecticut | GEICO | $1,581 | $8,657 | 82% | $7,076 |
| Delaware | GEICO | $2,930 | $7,197 | 59% | $4,267 |
| District of Columbia | GEICO | $1,836 | $3,782 | 51% | $1,946 |
| Florida | Nationwide | $3,267 | $7,274 | 55% | $4,007 |
| Georgia | Allstate | $1,745 | $4,763 | 63% | $3,017 |
| Hawaii | State Farm | $709 | $709 | 0% | $0 |
| Idaho | State Farm | $1,314 | $1,788 | 26% | $474 |
| Illinois | Progressive | $2,195 | $5,009 | 56% | $2,814 |
| Indiana | Nationwide | $1,702 | $4,086 | 58% | $2,384 |
| Iowa | Allstate | $1,644 | $5,041 | 67% | $3,397 |
| Kansas | Nationwide | $1,108 | $2,299 | 52% | $1,191 |
| Kentucky | Allstate | $1,985 | $6,389 | 69% | $4,405 |
| Louisiana | State Farm | $4,750 | $6,119 | 22% | $1,369 |
| Maine | Concord Group | $1,056 | $1,730 | 39% | $674 |
| Maryland | Kemper | $1,827 | $4,640 | 61% | $2,812 |
| Massachusetts | State Farm | $1,016 | $1,569 | 35% | $553 |
| Michigan | GEICO | $1,957 | $2,511 | 22% | $554 |
| Minnesota | Nationwide | $1,850 | $3,851 | 52% | $2,001 |
| Mississippi | Progressive | $714 | $4,584 | 84% | $3,870 |
| Missouri | GEICO | $1,295 | $7,003 | 82% | $5,708 |
| Montana | Progressive | $1,601 | $3,500 | 54% | $1,900 |
| Nebraska | Allstate | $1,961 | $6,067 | 68% | $4,105 |
| Nevada | Nationwide | $2,572 | $5,564 | 54% | $2,992 |
| New Hampshire | Concord Group | $1,078 | $1,693 | 36% | $614 |
| New Jersey | GEICO | $2,059 | $2,187 | 6% | $128 |
| New Mexico | Nationwide | $1,916 | $3,628 | 47% | $1,713 |
| New York | Kemper | $1,516 | $5,363 | 72% | $3,847 |
| North Carolina | State Farm | $1,200 | $1,252 | 4% | $52 |
| North Dakota | Nationwide | $1,184 | $2,461 | 52% | $1,276 |
| Ohio | Nationwide | $1,042 | $2,416 | 57% | $1,374 |
| Oklahoma | Allstate | $1,948 | $5,390 | 64% | $3,442 |
| Oregon | Nationwide | $1,573 | $3,713 | 58% | $2,140 |
| Pennsylvania | Nationwide | $1,183 | $2,989 | 60% | $1,806 |
| Rhode Island | State Farm | $2,187 | $3,040 | 28% | $853 |
| South Carolina | Auto-Owners Insurance Co | $2,558 | $3,621 | 29% | $1,063 |
| South Dakota | Allstate | $1,164 | $6,779 | 83% | $5,614 |
| Tennessee | Nationwide | $1,673 | $4,264 | 61% | $2,591 |
| Texas | State Farm | $2,273 | $3,165 | 28% | $892 |
| Utah | Nationwide | $1,491 | $3,804 | 61% | $2,313 |
| Vermont | Concord Group | $1,330 | $2,009 | 34% | $679 |
| Virginia | Nationwide | $1,268 | $2,801 | 55% | $1,533 |
| Washington | Kemper | $1,793 | $2,476 | 28% | $683 |
| West Virginia | Nationwide | $1,791 | $4,213 | 57% | $2,422 |
| Wisconsin | Nationwide | $1,258 | $2,930 | 57% | $1,672 |
| Wyoming | Allstate | $1,604 | $5,602 | 71% | $3,998 |
Most teens under the age of 18 are not 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
As you enter your 20s, insurers will assume you have gained some experience on the road and will no longer consider you as high risk as a teen. To get cheap car insurance as a young driver, you will still be eligible to stay on a family policy if you meet eligibility requirements, such as continuing to reside in the family home. Otherwise, you'll need to get your own individual policy.
| Alabama | Country Financial | $839 | $70 |
| Alaska | GEICO | $1,037 | $86 |
| Arizona | Root Insurance Company | $949 | $79 |
| Arkansas | Southern Farm Bureau | $1,047 | $87 |
| California | CSAA | $515 | $43 |
| Colorado | American National P&C | $1,012 | $84 |
| Connecticut | GEICO | $1,209 | $101 |
| Delaware | Travelers | $934 | $78 |
| District of Columbia | Erie | $1,428 | $119 |
| Florida | Travelers | $1,533 | $128 |
| Georgia | Country Financial | $1,087 | $91 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $639 | $53 |
| Illinois | American Family | $775 | $65 |
| Indiana | American Family | $638 | $53 |
| Iowa | American Family | $771 | $64 |
| Kansas | American Family | $1,047 | $87 |
| Kentucky | Travelers | $1,125 | $94 |
| Louisiana | Louisiana Farm Bureau | $1,504 | $125 |
| Maine | Travelers | $692 | $58 |
| Maryland | Nationwide | $1,511 | $126 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $1,033 | $86 |
| Minnesota | American Family | $892 | $74 |
| Mississippi | Direct General Insurance | $991 | $83 |
| Missouri | American Family | $1,062 | $88 |
| Montana | State Farm | $758 | $63 |
| Nebraska | American National P&C | $663 | $55 |
| Nevada | Country Financial | $1,164 | $97 |
| New Hampshire | Hanover | $800 | $67 |
| New Jersey | Plymouth Rock Assurance | $1,211 | $101 |
| New Mexico | GEICO | $1,103 | $92 |
| New York | Progressive | $1,274 | $106 |
| North Carolina | Erie | $646 | $54 |
| North Dakota | American Family | $744 | $62 |
| Ohio | American Family | $505 | $42 |
| Oklahoma | GEICO | $1,084 | $90 |
| Oregon | Kemper | $775 | $65 |
| Pennsylvania | Travelers | $789 | $66 |
| Rhode Island | Travelers | $1,040 | $87 |
| South Carolina | American National P&C | $813 | $68 |
| South Dakota | American Family | $761 | $63 |
| Tennessee | Travelers | $1,005 | $84 |
| Texas | Texas Farm Bureau | $932 | $78 |
| Utah | Nationwide | $896 | $75 |
| Vermont | State Farm | $739 | $62 |
| Virginia | Virginia Farm Bureau | $811 | $68 |
| Washington | PEMCO | $765 | $64 |
| West Virginia | GEICO | $1,278 | $107 |
| Wisconsin | American Family | $677 | $56 |
| Wyoming | Farmers | $870 | $72 |
The states below do not allow insurers to use gender to determine your car insurance premiums:
Car insurance rates typically start to steadily increase once drivers hit their 70s, as older drivers can face unique challenges on the road. Check out the table below to find the best rates for your budget.
Discover the cheapest car insurance companies and rates for seniors aged 65 and older in the table below.
| Alabama | Country Financial | $571 | $48 |
| Alaska | GEICO | $916 | $76 |
| Arizona | Travelers | $984 | $82 |
| Arkansas | Southern Farm Bureau | $778 | $65 |
| California | CSAA | $456 | $38 |
| Colorado | American National P&C | $796 | $66 |
| Connecticut | GEICO | $931 | $78 |
| Delaware | Travelers | $821 | $68 |
| District of Columbia | Erie | $1,182 | $99 |
| Florida | State Farm | $1,268 | $106 |
| Georgia | Country Financial | $657 | $55 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $462 | $39 |
| Illinois | American Family | $703 | $59 |
| Indiana | American Family | $577 | $48 |
| Iowa | American Family | $652 | $54 |
| Kansas | American Family | $806 | $67 |
| Kentucky | Cincinnati Insurance | $784 | $65 |
| Louisiana | Louisiana Farm Bureau | $1,213 | $101 |
| Maine | Travelers | $546 | $45 |
| Maryland | GEICO | $1,358 | $113 |
| Massachusetts | State Farm | $369 | $31 |
| Michigan | GEICO | $1,026 | $85 |
| Minnesota | AAA | $782 | $65 |
| Mississippi | Direct General Insurance | $691 | $58 |
| Missouri | American Family | $927 | $77 |
| Montana | State Farm | $610 | $51 |
| Nebraska | American National P&C | $515 | $43 |
| Nevada | Country Financial | $796 | $66 |
| New Hampshire | Hanover | $636 | $53 |
| New Jersey | NJM | $977 | $81 |
| New Mexico | GEICO | $889 | $74 |
| New York | Kemper | $1,098 | $91 |
| North Carolina | North Carolina Farm Bureau | $529 | $44 |
| North Dakota | American Family | $577 | $48 |
| Ohio | American Family | $453 | $38 |
| Oklahoma | Progressive | $876 | $73 |
| Oregon | Kemper | $813 | $68 |
| Pennsylvania | Travelers | $668 | $56 |
| Rhode Island | Travelers | $1,016 | $85 |
| South Carolina | American National P&C | $713 | $59 |
| South Dakota | Farmers Mutual of Nebraska | $614 | $51 |
| Tennessee | Auto-Owners Insurance Co | $818 | $68 |
| Texas | Texas Farm Bureau | $629 | $52 |
| Utah | Nationwide | $670 | $56 |
| Vermont | State Farm | $537 | $45 |
| Virginia | Virginia Farm Bureau | $805 | $67 |
| Washington | PEMCO | $642 | $54 |
| West Virginia | Westfield | $967 | $81 |
| Wisconsin | American Family | $594 | $49 |
| Wyoming | State Farm | $647 | $54 |
Drivers with moving violations or accidents on their record will have higher rates than those with a clean driving record, as the former may be a higher risk to insure. Additionally, drivers who have had a more serious violation, such as a DUI, may need to buy an SR-22 insurance policy.
Although all companies will likely raise your rates, some will raise them less than others. Explore the sections below to discover the cheapest companies and premiums for high-risk drivers of different profiles.
MoneyGeek analyzed insurers and found the cheapest car insurance companies after an accident.
Cheapest full coverage car Insurance for drivers with an accident:
Cheapest state minimum liability-only car insurance for drivers with an accident:
An at-fault accident will stay on your record and increase your premiums for three to five years, depending on the insurer and your state. If you have accident forgiveness coverage, your rates won't increase after your first at-fault accident, but you'll likely lose eligibility for some safety discounts.
Even with a less-than-perfect record, you can still find cheap car insurance by comparing quotes from multiple insurers. Some companies specialize in high-risk drivers and may offer more competitive rates.
| State Farm | $1,571 | $131 |
| Travelers | $1,651 | $138 |
| Nationwide | $1,867 | $156 |
| GEICO | $1,996 | $166 |
| Progressive | $2,099 | $175 |
| Allstate | $2,100 | $175 |
| Farmers | $2,338 | $195 |
Finding affordable car insurance after an at-fault accident requires some research, as your rates can significantly increase and vary depending on your location. To get the best deal, compare quotes from multiple providers in your state. Click on your state to discover the cheapest car insurance options available for drivers with an at-fault accident.
| Alabama | Country Financial | $855 | $71 |
| Alaska | State Farm | $1,275 | $106 |
| Arizona | Root Insurance Company | $1,185 | $99 |
| Arkansas | Southern Farm Bureau | $1,138 | $95 |
| California | CSAA | $585 | $49 |
| Colorado | Colorado Farm Bureau | $928 | $77 |
| Connecticut | GEICO | $1,374 | $115 |
| Delaware | Travelers | $858 | $71 |
| District of Columbia | Erie | $1,493 | $124 |
| Florida | State Farm | $1,688 | $141 |
| Georgia | Country Financial | $1,080 | $90 |
| Hawaii | State Farm | $1,010 | $84 |
| Idaho | State Farm | $606 | $51 |
| Illinois | American Family | $850 | $71 |
| Indiana | American Family | $788 | $66 |
| Iowa | American Family | $738 | $62 |
| Kansas | American Family | $888 | $74 |
| Kentucky | Auto-Owners Insurance Co | $1,198 | $100 |
| Louisiana | Louisiana Farm Bureau | $1,268 | $106 |
| Maine | Vermont Mutual | $608 | $51 |
| Maryland | State Farm | $1,627 | $136 |
| Massachusetts | State Farm | $732 | $61 |
| Michigan | Chubb | $1,494 | $124 |
| Minnesota | American Family | $882 | $73 |
| Mississippi | State Farm | $1,146 | $96 |
| Missouri | American Family | $1,232 | $103 |
| Montana | State Farm | $795 | $66 |
| Nebraska | American National P&C | $702 | $59 |
| Nevada | Country Financial | $1,197 | $100 |
| New Hampshire | Vermont Mutual | $776 | $65 |
| New Jersey | NJM | $1,149 | $96 |
| New Mexico | State Farm | $1,302 | $109 |
| New York | Progressive | $1,148 | $96 |
| North Carolina | North Carolina Farm Bureau | $696 | $58 |
| North Dakota | American Family | $646 | $54 |
| Ohio | American Family | $624 | $52 |
| Oklahoma | State Farm | $1,265 | $105 |
| Oregon | Kemper | $1,027 | $86 |
| Pennsylvania | Travelers | $949 | $79 |
| Rhode Island | State Farm | $1,014 | $85 |
| South Carolina | American National P&C | $866 | $72 |
| South Dakota | American Family | $829 | $69 |
| Tennessee | Tennessee Farm Bureau | $972 | $81 |
| Texas | State Farm | $1,217 | $101 |
| Utah | American Family | $937 | $78 |
| Vermont | Vermont Mutual | $547 | $46 |
| Virginia | Auto-Owners Insurance Co | $865 | $72 |
| Washington | PEMCO | $815 | $68 |
| West Virginia | Westfield | $1,303 | $109 |
| Wisconsin | American Family | $633 | $53 |
| Wyoming | State Farm | $871 | $73 |
MoneyGeek found the on-average cheapest car insurance providers for drivers with a DUI on their record.
Cheapest full coverage car insurance for drivers with a DUI:
Cheapest state minimum liability-only car insurance for drivers with a DUI:
Being labeled a high-risk driver can mean higher rates, fewer coverage choices and maybe even getting dropped by your insurer. Depending on your state and driving history, you might need special filings (like an SR-22 or FR-44).
If you’re switching car insurance providers, make sure your coverage doesn't lapse and double-check that your new company can handle any filings you need.
| Progressive | $1,661 | $138 |
| State Farm | $1,760 | $147 |
| Travelers | $1,919 | $160 |
| Farmers | $2,092 | $174 |
| Allstate | $2,243 | $187 |
| Nationwide | $2,511 | $209 |
| GEICO | $3,190 | $266 |
A DUI is one of the most severe common driving violations, which is why it’s wise to compare quotes from several insurers to find the cheapest and best rate available to you. Depending on the state, you may also be required to have SR-22 insurance.
As a starting point, use the table below to find the cheapest car insurance companies after a DUI. Navigate through average premiums from national and mid-tier providers by state, age range and coverage option (full coverage or minimum coverage).
| Alabama | Country Financial | $987 | $82 |
| Alaska | State Farm | $1,168 | $97 |
| Arizona | Root Insurance Company | $1,049 | $87 |
| Arkansas | Southern Farm Bureau | $1,051 | $88 |
| California | National General | $1,519 | $127 |
| Colorado | Colorado Farm Bureau | $960 | $80 |
| Connecticut | Progressive | $1,582 | $132 |
| Delaware | Travelers | $1,510 | $126 |
| District of Columbia | Progressive | $1,470 | $122 |
| Florida | State Farm | $1,556 | $130 |
| Georgia | Country Financial | $1,250 | $104 |
| Hawaii | State Farm | $923 | $77 |
| Idaho | State Farm | $557 | $46 |
| Illinois | American Family | $870 | $72 |
| Indiana | American Family | $756 | $63 |
| Iowa | American Family | $867 | $72 |
| Kansas | American Family | $1,050 | $88 |
| Kentucky | Shelter | $1,521 | $127 |
| Louisiana | Louisiana Farm Bureau | $1,358 | $113 |
| Maine | Progressive | $880 | $73 |
| Maryland | State Farm | $1,445 | $120 |
| Massachusetts | State Farm | $875 | $73 |
| Michigan | Chubb | $1,494 | $124 |
| Minnesota | American Family | $1,050 | $87 |
| Mississippi | State Farm | $1,030 | $86 |
| Missouri | American Family | $1,183 | $99 |
| Montana | State Farm | $744 | $62 |
| Nebraska | American National P&C | $772 | $64 |
| Nevada | Country Financial | $1,468 | $122 |
| New Hampshire | Progressive | $950 | $79 |
| New Jersey | Plymouth Rock Assurance | $1,257 | $105 |
| New Mexico | Progressive | $1,057 | $88 |
| New York | Progressive | $1,205 | $100 |
| North Carolina | North Carolina Farm Bureau | $1,900 | $158 |
| North Dakota | American Family | $762 | $64 |
| Ohio | American Family | $604 | $50 |
| Oklahoma | Progressive | $1,108 | $92 |
| Oregon | American Family | $1,155 | $96 |
| Pennsylvania | Travelers | $1,031 | $86 |
| Rhode Island | State Farm | $1,014 | $85 |
| South Carolina | American National P&C | $972 | $81 |
| South Dakota | American Family | $821 | $68 |
| Tennessee | State Farm | $1,261 | $105 |
| Texas | Progressive | $1,482 | $124 |
| Utah | American Family | $1,144 | $95 |
| Vermont | State Farm | $631 | $53 |
| Virginia | Virginia Farm Bureau | $934 | $78 |
| Washington | PEMCO | $970 | $81 |
| West Virginia | State Farm | $1,506 | $125 |
| Wisconsin | American Family | $752 | $63 |
| Wyoming | State Farm | $808 | $67 |
A DUI conviction will make your car insurance more expensive, usually for three to five years. How much more expensive it becomes will depend on several factors, such as whether it's your first DUI, what your driving history is and where you live.
Similar to having an accident on your record, having a ticket on record can impact your car insurance premiums, typically for three to five years. The best way to find a cheap car insurance policy with a ticket on your record is to gather quotes and compare rates from at least three providers.
Cheapest full coverage car insurance for drivers with a ticket:
Cheapest state minimum liability-only car insurance for drivers with a ticket:
Use the table below to find the most affordable car insurance company after a ticket and filter through minimum coverage or full coverage policies and different age ranges.
| State Farm | $1,442 | $120 |
| Travelers | $1,537 | $128 |
| Nationwide | $1,540 | $128 |
| GEICO | $1,589 | $132 |
| Progressive | $1,689 | $141 |
| Allstate | $1,747 | $146 |
| Farmers | $1,909 | $159 |
Explore the table below to find national and mid-tier providers available in your state offering affordable policies for drivers with tickets. Filter the table and compare providers based on your state, age range and desired coverage level to find the best option for you.
| Alabama | Country Financial | $822 | $69 |
| Alaska | State Farm | $1,168 | $97 |
| Arizona | Auto-Owners Insurance Co | $1,064 | $89 |
| Arkansas | Southern Farm Bureau | $946 | $79 |
| California | CSAA | $585 | $49 |
| Colorado | Colorado Farm Bureau | $903 | $75 |
| Connecticut | GEICO | $1,099 | $92 |
| Delaware | Travelers | $893 | $74 |
| District of Columbia | Erie | $1,223 | $102 |
| Florida | State Farm | $1,556 | $130 |
| Georgia | Country Financial | $1,022 | $85 |
| Hawaii | GEICO | $669 | $56 |
| Idaho | State Farm | $557 | $46 |
| Illinois | American Family | $870 | $72 |
| Indiana | American Family | $756 | $63 |
| Iowa | American Family | $867 | $72 |
| Kansas | American Family | $1,050 | $88 |
| Kentucky | Auto-Owners Insurance Co | $997 | $83 |
| Louisiana | Louisiana Farm Bureau | $1,131 | $94 |
| Maine | Vermont Mutual | $608 | $51 |
| Maryland | State Farm | $1,445 | $120 |
| Massachusetts | State Farm | $552 | $46 |
| Michigan | Chubb | $1,494 | $124 |
| Minnesota | American Family | $1,050 | $87 |
| Mississippi | Mississippi Farm Bureau | $957 | $80 |
| Missouri | American Family | $1,183 | $99 |
| Montana | State Farm | $744 | $62 |
| Nebraska | American National P&C | $621 | $52 |
| Nevada | Country Financial | $1,061 | $88 |
| New Hampshire | Safety Group | $751 | $63 |
| New Jersey | GEICO | $1,059 | $88 |
| New Mexico | GEICO | $1,032 | $86 |
| New York | Progressive | $1,192 | $99 |
| North Carolina | North Carolina Farm Bureau | $756 | $63 |
| North Dakota | American Family | $762 | $64 |
| Ohio | American Family | $604 | $50 |
| Oklahoma | State Farm | $1,181 | $98 |
| Oregon | Kemper | $948 | $79 |
| Pennsylvania | Auto-Owners Insurance Co | $787 | $66 |
| Rhode Island | State Farm | $1,014 | $85 |
| South Carolina | American National P&C | $866 | $72 |
| South Dakota | Farmers Mutual of Nebraska | $799 | $67 |
| Tennessee | Erie | $953 | $79 |
| Texas | Texas Farm Bureau | $760 | $63 |
| Utah | Nationwide | $852 | $71 |
| Vermont | State Farm | $631 | $53 |
| Virginia | Auto-Owners Insurance Co | $957 | $80 |
| Washington | PEMCO | $750 | $63 |
| West Virginia | Westfield | $1,030 | $86 |
| Wisconsin | American Family | $752 | $63 |
| Wyoming | State Farm | $808 | $67 |
The cheapest car insurance providers for drivers with bad credit vary depending on your desired coverage level.
Cheapest full coverage car insurance for drivers with bad credit:
Cheapest minimum coverage car insurance for drivers with bad credit:
According to the National Association of Insurance Commissioners (NAIC), car insurance companies may increase rates for drivers with lower credit scores to compensate for the elevated risk of making claims. FICO states that 95% of personal insurers use credit-based insurance scores to evaluate the risk of an applicant in states that allow this practice.
| Nationwide | $1,651 | $138 |
| Travelers | $1,861 | $155 |
| GEICO | $2,033 | $169 |
| Allstate | $2,322 | $194 |
| Farmers | $2,331 | $194 |
| Progressive | $2,373 | $198 |
| State Farm | $3,515 | $293 |
Finding the cheapest car insurance for poor credit in your state can be a great way to save money on your monthly bill. However, in states like California, Hawaii and Massachusetts, insurers are not allowed to consider your credit score.
If you live outside of these states and have a low credit score, use the table below to find the most affordable auto insurance rates for your profile and filter results by your state, age and coverage preference.
| Alabama | Country Financial | $943 | $79 |
| Alaska | Allstate | $1,292 | $108 |
| Arizona | Root Insurance Company | $1,206 | $101 |
| Arkansas | Alfa | $1,348 | $112 |
| Colorado | GEICO | $1,474 | $123 |
| Connecticut | GEICO | $1,472 | $123 |
| Delaware | Travelers | $1,461 | $122 |
| District of Columbia | Chubb | $1,973 | $164 |
| Florida | Nationwide | $2,582 | $215 |
| Georgia | Country Financial | $1,129 | $94 |
| Idaho | Idaho Farm Bureau | $1,086 | $91 |
| Illinois | Country Financial | $1,290 | $107 |
| Indiana | American Family | $934 | $78 |
| Iowa | Grange Insurance | $1,098 | $91 |
| Kansas | American Family | $1,533 | $128 |
| Kentucky | Travelers | $1,604 | $134 |
| Louisiana | Louisiana Farm Bureau | $1,758 | $146 |
| Maine | Travelers | $971 | $81 |
| Maryland | Nationwide | $1,572 | $131 |
| Michigan | GEICO | $1,681 | $140 |
| Minnesota | West Bend Mutual | $1,239 | $103 |
| Mississippi | Direct General Insurance | $1,042 | $87 |
| Missouri | Travelers | $1,601 | $133 |
| Montana | Nationwide | $1,393 | $116 |
| Nebraska | Farmers Mutual of Nebraska | $1,343 | $112 |
| Nevada | Country Financial | $1,286 | $107 |
| New Hampshire | Hanover | $678 | $56 |
| New Jersey | NJM | $1,893 | $158 |
| New Mexico | GEICO | $1,244 | $104 |
| New York | Kemper | $3,084 | $257 |
| North Carolina | North Carolina Farm Bureau | $705 | $59 |
| North Dakota | Nationwide | $973 | $81 |
| Ohio | Nationwide | $654 | $55 |
| Oklahoma | Mercury | $1,230 | $102 |
| Oregon | Kemper | $1,275 | $106 |
| Pennsylvania | Auto-Owners Insurance Co | $1,172 | $98 |
| Rhode Island | Travelers | $1,473 | $123 |
| South Carolina | South Carolina Farm Bureau | $1,634 | $136 |
| South Dakota | American Family | $695 | $58 |
| Tennessee | Tennessee Farm Bureau | $1,124 | $94 |
| Texas | Texas Farm Bureau | $1,693 | $141 |
| Utah | Nationwide | $975 | $81 |
| Vermont | Concord Group | $1,159 | $97 |
| Virginia | Nationwide | $1,131 | $94 |
| Washington | PEMCO | $604 | $50 |
| West Virginia | Westfield | $1,459 | $122 |
| Wisconsin | American Family | $633 | $53 |
| Wyoming | Farmers | $974 | $81 |
Current and former military personnel and their families often have unique military discounts or policies available that can make a great impact in lowering the cost of a policy. Without using specific military discounts, MoneyGeek found the cheapest car insurance companies for former and current military members.
Cheapest car insurance for military members and family:
Discover the average costs of full coverage and state minimum liability policies in the table below to find the cheapest insurance for military members, veterans and their families.
| USAA | $823 | $69 |
| Travelers | $1,122 | $94 |
| GEICO | $1,203 | $100 |
| Nationwide | $1,220 | $102 |
| State Farm | $1,284 | $107 |
| Progressive | $1,304 | $109 |
| Allstate | $1,494 | $124 |
| Farmers | $1,504 | $125 |
The best overall cheap car insurance company is Travelers, with policies costing an average of $1,122 per year or $94 per month and a MoneyGeek score of 72 out of 100.
To find the best insurers that balance cost and service, MoneyGeek created a unique, weighted ranking system and scored each provider accordingly to generate a score out of 100. Learn more about how we rank the best providers in the methodology at the top of the page.
| Travelers | $1,122 | $94 | 72 |
| Nationwide | $1,220 | $102 | 68 |
| State Farm | $1,284 | $107 | 65 |
| GEICO | $1,203 | $100 | 51 |
| Progressive | $1,304 | $109 | 49 |
| Allstate | $1,494 | $124 | 43 |
| Farmers | $1,504 | $125 | 37 |
We found the cheapest cars to insure and the company that offers the lowest rates on these models:
The car you drive impacts your auto insurance premiums; some cars are cheaper to insure than others. For instance, insurers often consider sports cars high-risk, so premiums may be higher than older cars or more common models.
Sports cars aren't only considered high risk but also may be most likely to be stolen, which makes them come with higher premiums. The cheapest cars to insure are typically those with good safety ratings, lower repair costs and less likelihood of theft. These usually include family sedans and SUVs.
| Subaru Outback | Nationwide | $1,049 |
| Subaru Legacy | Nationwide | $1,157 |
| Subaru Impreza | State Farm | $1,193 |
| Honda Insight | State Farm | $1,252 |
| Toyota Camry | GEICO | $1,269 |
| Honda Accord | State Farm | $1,283 |
| Nissan Sentra | State Farm | $1,295 |
| VW Passat | State Farm | $1,307 |
| Chevy Malibu | State Farm | $1,314 |
| Nissan Altima | GEICO | $1,370 |
| Nissan Maxima | State Farm | $1,529 |
| Kia Stinger | State Farm | $1,558 |
Every car insurance company considers several personalized factors for each driver when determining rates, and they all calculate these factors differently. This means that rates can vary greatly for the same profile from company to company. Car insurance companies also offer their own unique variety of discounts, some of which may apply to you and some of which may not.
The best way to get the cheapest car insurance quotes for you is to get quotes from the three best insurance companies in your area, using the same coverage details and applying all discounts that you are eligible for. Then, compare the quotes you've gathered to find the cheapest car insurance company.
Decide How Much Coverage You Need
The first step to finding the cheapest car insurance is figuring out how much coverage you actually need. If you're on a tight budget and only need the bare minimum, liability-only coverage might be adequate. You might want full coverage for extra protection if you have a valuable car.
If you don’t drive much, pay-per-mile car insurance could be a good option. You pay a small monthly fee plus a few cents for every mile you drive.
Comparison Shop
Get quotes from at least three different companies on the same day to compare rates. Car insurance rates frequently fluctuate, so requesting car insurance quotes on the same day with the same information gives you the best picture of what’s available.
Ask About Discounts
Always ask about car insurance discounts, but don't get too fixated on them. The cheapest coverage comes from a company with a low base rate, even without discounts. If you're looking for affordable car insurance, compare quotes from companies with and without discounts to find the best deal.
Many insurers offer discounts for paying for your policy in full. If you can afford a lump-sum payment, you can save 5% to 10% on your policy. If you can't afford to make a complete payment upfront, no-deposit monthly payments are an affordable way to maintain your car insurance policy while staying within your budget.
Raise Your Deductible
Choosing a higher deductible can lower your monthly premium, but be sure you can afford it in case of an accident.
Bundle Home and Auto Policies
Many insurers offer discounts when you combine multiple policies, like auto and home insurance, or even having multiple cars on one policy. Ask about multi-policy discounts when shopping around to see how much you could save.
Choose the Right Car
The type of car you drive can affect your insurance rates. Generally, safer, less expensive cars are the cheapest to insure.
Remember, the cheapest option isn't always the best. Make sure you have enough coverage to protect yourself financially in case of an accident.
Finding the cheapest car insurance for you can be complicated. Here are some answers to consumers' most common questions about saving money on car insurance.
MoneyGeek found that, on average, Travelers is the cheapest full coverage option, costing $1,284 annually or $107 per month. However, the most affordable option for you may differ, depending on where you live, your driving history, age and other factors.
Wherever you live, the best way to find cheap car insurance is to shop around. MoneyGeek found that State Farm is the cheapest option in most states and for most drivers. Our rankings above are based on our sample drivers; you won't know the most affordable option for you until you get multiple quotes using your information and profile.
A policy that only covers your state's minimum car insurance requirements is likely to be the lowest-cost option available. According to MoneyGeek data, Travelers offers the lowest rate for minimum coverage, with an average premium of $601 per year or $50 per month.
The cheapest cars to insure currently, are the Subaru Legacy and Subaru Outback.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
