Cheapest Car Insurance In US

Geico is the cheapest car insurance company overall, with an average rate of $29 a month for minimum coverage.

Nerdy takeaways

  • Geico is the cheapest car insurance company overall, with an average rate of $29 a month for minimum coverage.
  • Geico’s also the cheapest for drivers with poor credit or a recent accident.
  • American Family is the cheapest after a DUI.
  • The best way to find cheap car insurance is to shop around and compare quotes from at least three insurers.

NerdWallet analyzed auto insurance rates from 132 auto insurance companies nationwide to find the cheapest car insurance for a variety of drivers.

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The cheapest car insurance

The cheapest option will likely be your state’s minimum car insurance requirements, so we focused our analysis on those minimums. In many states, this is liability-only auto insurance, which pays for property damage and others’ medical bills from accidents you cause.

The absolute cheapest rate we found for minimum car insurance was an average of $29 per month, or $354 per year. But how much you pay for car insurance will vary depending on which state you live in and how clean your driving history is, among other factors.

Here are the cheapest car insurance companies overall, plus the cheapest options for several driver types:

  • The cheapest car insurance company overall: Geico at $29 per month, on average.
  • The cheapest regional car insurance company: Central Insurance at $21 per month, on average.
  • The cheapest car insurance after an accident: Geico at $48 per month, on average.
  • The cheapest car insurance after a DUI: American Family at $60 per month, on average.
  • The cheapest car insurance for poor credit: Geico at $42 per month, on average.

If you want the best of the cheapest, check out NerdWallet’s roundup of the best cheap car insurance companies.

The cheapest car insurance company overall: Geico

Geico is the cheapest major auto insurance company in the nation, according to NerdWallet’s most recent analysis of minimum coverage rates. Geico’s average annual rate was $354, or about $29 per month. The company also earned a 4.5-star rating from NerdWallet, and you can read our Geico auto insurance review to learn why.

Cheapest auto insurance from the largest companies

CompanyAverage annual rateAverage monthly rate
1. Geico$354$29
2. State Farm$452$38
3. Progressive$619$52
4. Farmers$620$52
5. Allstate$666$55
USAA*$356$30
*USAA auto insurance is available only to military, veterans and their families.

» MORE: The best cheap car insurance

The cheapest regional car insurance company: Central Insurance

Finding affordable car insurance doesn’t mean you have to stick with large insurance companies. Central Insurance, MMG and Secura, smaller insurers that offer coverage in multiple states, have even cheaper car insurance rates than Geico.

While availability can be limited, regional and small insurers may beat the cheapest auto insurance prices from larger carriers. Plus, they often have great customer service.

CompanyAverage annual rateAverage monthly rate
1. Central Insurance$257$21
2. MMG$287$24
3. Secura$319$27
4. Hastings Mutual$428$36
5. Mutual of Enumclaw$499$42

We chose these companies because of their low rates and availability in multiple states. But there may be more affordable auto insurance options where you live. For example, many Farm Bureau insurance companies are available only in a single state, but they were often among the cheapest in our analysis.

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Cheapest car insurance after an accident: Geico

Depending on your driving record, the most affordable car insurance company varies. The table below shows average auto insurance rates from the largest companies for drivers with a recent accident on their driving record.

Our analysis found that Geico has the lowest average rate for drivers with one at-fault accident, at $577 per year, or $48 per month.

CompanyAverage annual rate after one at-fault accident
1. Geico$577
2. State Farm$618
3. Travelers$634
4. American Family$651
5. Nationwide$901
USAA*$535
*USAA auto insurance is available only to military, veterans and their families.

Cheapest car insurance after a DUI: American Family

A DUI on your driving record can greatly increase how much you pay for car insurance. According to our analysis, American Family is the cheapest car insurance company after a DUI, at $716 per year, or $60 per month, on average.

CompanyAverage annual rate after one DUI
1. American Family$716
2. Travelers$754
3. Progressive$755
4. State Farm$839
5. Farmers$905
USAA*$621
*USAA auto insurance is available only to military, veterans and their families.

Looking for even cheaper auto insurance? Try a smaller insurer. Drivers with violations like one at-fault accident or a recent DUI can find the most affordable auto insurance rates with MMG and other regional insurers.

Rates vary depending on many personal factors. Be sure to compare car insurance quotes from at least three insurers to find the cheapest auto insurance for you.

Cheapest auto insurance for poor credit: Geico

Your driving record isn’t the only factor that can increase your rates. Many insurers also use credit-based insurance scores to help calculate car insurance rates. This can make it harder to get cheap car insurance with poor credit in many states.

A credit-based score includes the same factors as a regular credit score, such as debt and payment history, but weighs them differently. California, Hawaii, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.

Credit can have a shocking impact on auto insurance costs. Drivers with poor credit may pay over $400 more a year on average than those with good credit.

If you’re looking for affordable car insurance from a large company, Geico might be a good place to start. Based on our analysis of large insurers, the company has the lowest average rates for good drivers with poor credit, at $501 per year, or $42 per month, on average..

Still, you should always shop around to get the best car insurance rates, no matter your credit history.

CompanyThe average annual rate for drivers with poor credit
1. Geico$501
2. Nationwide$775
3. Travelers$803
4. Allstate$916
5. American Family$952
USAA*$626
*USAA auto insurance is available only to military, veterans and their families.

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Cheapest car insurance by state

What counts as cheap auto insurance will be different depending on where you live, as rates vary widely from state to state.

For the sake of comparison, we found the cheapest car insurance company on average in each state and Washington, D.C.

StateCheapest companyAverage annual rate
AlabamaGeico$261
AlaskaGeico$274
ArizonaGeico$272
ArkansasSouthern Farm Bureau Insurance$261
CaliforniaGeico$374
ColoradoAmerican National$192
ConnecticutGeico$421
DelawareGeico$568
FloridaGeico$704
GeorgiaAuto-Owners$314
HawaiiGeico$285
IdahoAmerican National$135
IllinoisPekin$234
IndianaPekin$195
IowaWestern National$164
KansasState Farm$322
KentuckyKentucky Farm Bureau$389
LouisianaGeico$443
MaineGeico$176
MarylandGeico$559
MassachusettsState Farm$209
MichiganTravelers$106
MinnesotaNorth Star$259
MississippiState Farm$337
MissouriColumbia$289
MontanaState Farm$213
NebraskaEMC$181
NevadaGeico$329
New HampshireMMG$209
New JerseyAmica$539
New MexicoCentral Insurance$224
New YorkMain Street America$572
North CarolinaGeico$278
North DakotaNodak$174
OhioErie$211
OklahomaGeico$247
OregonState Farm$443
PennsylvaniaGeico$181
Rhode IslandState Farm$310
South CarolinaAmerican National$217
South DakotaFarmers Mutual of Nebraska$172
TennesseeGrange Insurance Company$193
TexasGeico$377
UtahGeico$305
VermontUnion Mutual$182
VirginiaGeico$305
WashingtonGrange Insurance Association$327
Washington, D.C.Geico$374
West VirginiaErie$298
WisconsinGeico$203
WyomingGeico$170

But state averages can tell you only so much. Even within a state, car insurance rates for minimum coverage can differ. That’s why NerdWallet analyzed rates for some of the largest cities in the U.S.

Choose your city in the dropdown below to see the cheapest car insurance rates in your area.

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