UPDATED DECEMBER 2026

Cheapest Car Insurance Companies

COUNTRY Financial, Auto-Owners, and USAA are among the cheapest auto insurers in the U.S., but the cheapest company for you depends on your specific situation.

Key Findings

✓COUNTRY Financial has the cheapest overall rates, starting at $42/month on average.
✓USAA offers the best rates for military members and their families.
✓Rates can vary by $100+/month between companies for the same driver.

10 Cheapest Car Insurance Companies

Compare monthly rates for minimum and full coverage from the most affordable insurers.

Rank	Company	Avg. Rate	Min Coverage	Full Coverage	Best For	Est. Savings
1	COUNTRY Financial	$42/mo	$36/mo	$89/mo	Overall cheapest	$540/yr
2	Auto-Owners	$48/mo	$41/mo	$95/mo	Midwest drivers	$468/yr
3	USAA	$52/mo	$45/mo	$98/mo	Military families	$420/yr
4	State Farm	$58/mo	$50/mo	$112/mo	Bundle discounts	$348/yr
5	GEICO	$62/mo	$54/mo	$118/mo	Online shoppers	$300/yr
6	Progressive	$68/mo	$58/mo	$134/mo	High-risk drivers	$228/yr
7	Allstate	$75/mo	$65/mo	$142/mo	Safe driver rewards	$144/yr
8	Nationwide	$78/mo	$68/mo	$148/mo	Vanishing deductible	$108/yr
9	Farmers	$82/mo	$72/mo	$156/mo	Local agents	$60/yr
10	Liberty Mutual	$95/mo	$82/mo	$182/mo	New car replacement	-

COUNTRY Financial

Overall cheapest

Save $540/yr

$42/mo

Avg. Rate

$36/mo

Min

$89/mo

Full

Auto-Owners

Midwest drivers

Save $468/yr

$48/mo

Avg. Rate

$41/mo

Min

$95/mo

Full

USAA

Military families

Save $420/yr

$52/mo

Avg. Rate

$45/mo

Min

$98/mo

Full

State Farm

Bundle discounts

Save $348/yr

$58/mo

Avg. Rate

$50/mo

Min

$112/mo

Full

GEICO

Online shoppers

Save $300/yr

$62/mo

Avg. Rate

$54/mo

Min

$118/mo

Full

Progressive

High-risk drivers

Save $228/yr

$68/mo

Avg. Rate

$58/mo

Min

$134/mo

Full

Allstate

Safe driver rewards

Save $144/yr

$75/mo

Avg. Rate

$65/mo

Min

$142/mo

Full

Nationwide

Vanishing deductible

Save $108/yr

$78/mo

Avg. Rate

$68/mo

Min

$148/mo

Full

Farmers

Local agents

Save $60/yr

$82/mo

Avg. Rate

$72/mo

Min

$156/mo

Full

Liberty Mutual

New car replacement

$95/mo

Avg. Rate

$82/mo

Min

$182/mo

Full

*Rates based on analysis of 90+ million quotes. Actual rates vary by location and driver profile.

Cheapest Car Insurance by State

Insurance rates vary by location. Find the cheapest options in your state.

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How to Get Cheaper Car Insurance

Compare Multiple Quotes

Get quotes from at least 3-5 companies to find the best rate for your profile.

Bundle Policies

Combine auto and home insurance for discounts up to 25% on both policies.

Raise Your Deductible

A higher deductible means lower monthly premiums. Just ensure you can afford it.

Ask About Discounts

Safe driver, good student, and multi-car discounts can add up to big savings.

Maintain Good Credit

In most states, better credit means lower insurance rates.

Drive Less

Low-mileage discounts can save you 5-15% on premiums if you drive under 10k miles/year.

Find Your Cheapest Rate

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