Cheap Auto Insurance in 2025 (Save With These 10 Companies)
Geico, USAA, and Travelers offer cheap auto insurance across many US states, with rates starting at $37 per month. Geico offers discounts to most types of drivers while USAA is the best cheap car insurance choice due to its superior savings to military families. Travelers also offers low-cost auto insurance plans.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Apr 7, 2025
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1,733 reviewsOur top 3 cheap auto insurance picks are Geico, USAA, and Travelers, with premiums beginning at $37 a month.
Geico is exceptional due to its substantial discounts on different driver profiles, while USAA offers significant discounts to military families. Travelers offers affordable coverage that sacrifices neither cost nor flexibility.
Our Top 10 Company Picks: Cheapest Auto Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $37 | A++ | Cheap Rates | Geico |
 | #2 | $41 | A++ | Bundling Policies | USAA |
 | #3 | $42 | A++ | Military Members | Travelers |
 | #4 | $43 | A+ | Vanishing Deductible | Nationwide |
 | #5 | $46 | A | Loyalty Rewards | American Family |
 | #6 | $50 | A+ | Infrequent Drivers | Allstate |
 | #7 | $56 | B | Customer Service | State Farm |
 | #8 | $58 | A+ | Competitive Rates | Progressive |
 | #9 | $61 | A | Safe-Driving Discounts | Farmers |
 | #10 | $64 | A | Add-on Coverages | Liberty Mutual |
This article compares each company’s rates and advantages to help you find the cheapest auto insurance and secure affordable auto insurance quotes, ensuring you make the best insurance selection.
- Explore cheap auto insurance plans designed for various driver profiles and budgets
- Learn how factors like vehicle type and location impact cheap auto insurance rates
- Geico is our top pick, offering affordable rates starting at just $37 a month
What is online car insurance? Is it different than general insurance? When you’re looking to buy cheap auto insurance online, find car insurance quotes using our helpful tool to find cheap auto insurance in Sacramento, California, or anywhere else.
#1 – Geico: Top Overall Pick
Pros
- Cheap Rates: Geico offers the lowest rates, starting at $37 monthly for minimum coverage, making it ideal for cost-conscious drivers.
- High Financial Strength: Geico offers excellent financial stability, with an A++ rating from A.M. Best. Explore this further in our Geico auto insurance review.
- Efficient Online Experience: Geico’s user-friendly website and mobile app simplify insurance policy management.
Cons
- Limited Coverage Options: Geico may not provide as many specialized coverage options as some competitors.
- Less Personalized Service: While affordable, Geico’s customer service can sometimes feel less personalized due to its primarily digital platform.
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#2 – USAA: Best for Bundling Policies
Pros
- Bundling Policies: USAA provides excellent discounts for bundling auto insurance with other types of insurance, which is perfect for military families.
- Cheap Rates: USAA offers competitive rates starting at $41 monthly for minimum coverage, which is ideal for military members seeking affordable auto insurance.
- Outstanding Customer Service: Known for providing top-notch service, especially for military families. Delve into the specifics in our USAA auto insurance review.
Cons
- Eligibility Restrictions: Only available to military members and their families, limiting access to a broad audience.
- Higher Premiums for Non-Military Members: While competitive for military families, premiums for non-military drivers seeking similar coverage can be higher.
#3 – Travelers: Best for Military Members
Pros
- Military Members: Travelers offers specific discounts and benefits for military personnel, making it an excellent choice for those in service.
- Affordable Rates: Travelers is a budget-friendly option starting at $42 monthly for minimum coverage.
- Strong Financial Stability: The company has an A++ rating from A.M. Best, ensuring solid financial backing.
Cons
- Limited State Availability: Its policies may not be available in every state, which can limit its accessibility. Read our Travelers auto insurance review.
- Customer Service: Travelers have received mixed reviews regarding their customer service responsiveness.
#4 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide offers a unique vanishing deductible program, lowering your deductible for each year of safe driving.
- Affordable Monthly Rates: Minimum coverage plans start at $43 per month, which is reasonable for many drivers.
- Reputable Brand: With an A+ rating from A.M. Best, Nationwide is a trusted insurance provider.
Cons
- Claims Process: Some customers have found Nationwide’s claims process less efficient than competitors. Uncover more by delving into our Nationwide auto insurance review.
- Limited Discounts: While it offers some unique benefits like the vanishing deductible, Nationwide lacks a variety of additional discounts.
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#5 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Rewards: American Family offers loyalty rewards, giving long-term policyholders savings and additional perks.
- Affordable Coverage: It offers competitive rates for minimum coverage, starting at $46 monthly.
- Wide Range of Coverage Options: American Family provides various coverage options for different types of drivers.
Cons
- Average Customer Service: Some users report inconsistent customer service. For additional insights, read our American Family auto insurance review.
- Higher Premiums for Young Drivers: Young or inexperienced drivers may face higher premiums than other companies.
#6 – Allstate: Best for Infrequent Drivers
Pros
- Infrequent Drivers: Allstate provides unique benefits for infrequent drivers, such as lower premiums for those who drive less frequently.
- Low Monthly Rates: With minimum coverage starting at $50 per month, Allstate offers competitive pricing for budget-conscious drivers.
- Great Discounts: Allstate offers a variety of discounts, including multi-policy and safe-driving discounts.
Cons
- Premiums for High-Risk Drivers: High-risk drivers may face higher premiums at Allstate. For a comprehensive overview, read our Allstate auto insurance review.
- Customer Service Issues: Allstate’s customer service ratings are mixed, with some customers reporting slow response times.
#7 – State Farm: Best for Customer Service
Pros
- Customer Service: State Farm is well-known for its excellent customer service, providing personalized assistance to policyholders.
- Affordable Monthly Rates: Their rates are affordable for a wide range of drivers, starting at $56 per month for minimum coverage.
- Comprehensive Coverage Options: State Farm provides various coverage options, including specialized vehicles.
Cons
- Excellent A.M. Best Rating: While solid, State Farm’s B rating is lower than that of some of its competitors, such as Geico and USAA.
- Limited Online Tools: Some users find that State Farm’s online tools could be more intuitive and user-friendly. Explore further in our State Farm auto insurance review.
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#8 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive offers competitive rates for minimum coverage starting at $58 per month, appealing to budget-conscious drivers.
- Variety of Coverage Options: Progressive offers various coverage choices to meet different needs.
- Snapshot Program: The Snapshot program helps drivers save based on their driving habits, offering tailored discounts.
Cons
- Premiums for High-Risk Drivers: High-risk drivers may experience significantly higher premiums.
- Claims Process Delays: Some customers report that Progressive can process claims slowly. Our Progressive auto insurance review will give you more details.
#9 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Farmers offers discounts for safe driving, which can significantly lower premiums for cautious drivers.
- Affordable Rates: Starting at $61 monthly for minimum coverage, Farmers offers competitive rates.
- Strong Customer Support: Farmers are known for their attentive and responsive customer service. For further details, read our Farmers auto insurance review.
Cons
- Premiums Can Be Higher for Young Drivers: Farmers may charge higher premiums for young or inexperienced drivers than other insurers.
- Limited Discounts: Farmers provides safe-driving discounts, but it may not offer as many discount opportunities as other companies.
#10 – Liberty Mutual: Best for Add-on Coverages
Pros
- Add-on Coverages: Liberty Mutual offers a variety of add-on coverages, allowing policyholders to tailor their insurance to their needs.
- Reasonable Rates: Minimum coverage plans start at $64 per month, which is competitive for many drivers. Explore further details in our Liberty Mutual auto insurance review.
- Strong Financial Rating: Liberty Mutual holds an A rating from A.M. Best, ensuring reliable financial backing.
Cons
- Higher Premiums for Younger Drivers: Young drivers may experience higher premiums with Liberty Mutual, which could make it a less affordable option.
- Customer Service Feedback: Customer service ratings for Liberty Mutual are mixed, with some customers reporting delays or difficulty reaching representatives.
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Key Factors That Affect Cheap Auto Insurance Premiums
Several factors can affect your cheap auto insurance rates. Knowing these variables will allow you to control your premiums better and obtain more affordable coverage for your needs:
Key Factors That Affect Your Car Insurance Premium
| Factor | Description |
|---|---|
| Age | Younger drivers usually pay more due to higher risk. |
| Driving Record | Accidents or violations raise your premium. |
| Location | City drivers often pay more than rural drivers. |
| Vehicle Type | Expensive or sporty cars cost more to insure. |
| Credit Score | Higher scores often mean lower rates (varies by state). |
| Coverage Levels | More coverage = higher premium. |
| Annual Mileage | More miles = higher risk, higher cost. |
| Marital Status | Married drivers often pay less. |
| Gender | In some states, gender affects rates. |
| Claims History | More claims can lead to higher premiums. |
These variables can help you determine how to reduce your premium and obtain cheap car insurance rates, including cheap auto insurance with no down payment. By understanding these factors, you can secure affordable auto insurance online tailored to your specific circumstances.
Find Affordable Auto Insurance Quotes by Make & Model
Some makes/models are more expensive to insure, while the high price of others might be unexpected. Insurance costs may vary from company to company, but the risk formula that computes your monthly premium isn’t as flexible. The elements calculated include your driving record, credit score, ZIP code, age, gender, and especially the make and model of your vehicle.
According to statistical data, your likelihood of filing a claim can be accurately predicted based on the make/model of your car. Sometimes, poor-quality cars can sustain more damage in the event of an accident, making them more expensive to repair; other times, specific makes/models will attract a riskier type of driver.
One example is the sports car: Young, thrill-seeking drivers tend to buy these vehicles because they take more significant risks behind the wheel and cause more auto accidents. Keep reading to compare auto insurance prices between different types of cars.
Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| 2024 Buick Envision | $108 | $163 |
| 2024 Chevrolet Trailblazer | $102 | $154 |
| 2024 Ford Bronco Sport | $120 | $178 |
| 2024 Honda Passport | $110 | $168 |
| 2024 Hyundai Venue | $98 | $149 |
| 2024 Kia Soul | $100 | $150 |
| 2024 Mazda CX-5 | $106 | $160 |
| 2024 Nissan Kicks | $95 | $143 |
| 2024 Subaru Crosstrek | $105 | $157 |
| 2024 Toyota Corolla Cross | $103 | $155 |
Surprisingly, SUVs are considered less risky to insure because they are prominent and visible. Also, because many of them are “built like a tank,” they sustain less damage even in serious wrecks. Similarly, Chevrolet Caprice auto insurance rates tend to be more affordable due to the car’s sturdy build and lower accident risk.
However, SUVs are quite top-heavy, which means that a minor accident in a sensibly sized car is more likely to turn into a worst-case scenario with an SUV. Unsurprisingly, minivans tend to be very economical in terms of insurance rates. These vehicles are usually owned by cautious parents with children in tow and, thus, are driven more defensively and safely.
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How to Find Cheaper Auto Insurance
Lowering your premium can be challenging. Sometimes, even the tiniest little detail, like a slightly older model or a luxury accessory, can drastically change the cost of your insurance. Take the convertible, for example; its soft top will cost you more on insurance due to its sporty factor and the car’s overall weaker structural integrity.
This video from Erie Insurance explains the difference between collision and comprehensive coverage.
Also, remember that a high sticker price usually means a high insurance premium, one of the key factors affecting your car insurance premium. For example, fixing a dented bumper on a Jaguar will cost much more than the same type of bodywork on a Hyundai.
Each vehicle has multiple elements to evaluate: while a Civic might be cheap to purchase, its high theft rate can make it more expensive to insure, affecting your ability to find affordable auto insurance rates.
Checking affordable auto insurance reviews and comparing policies will help you find affordable car insurance that fits your needs. Remember that liability is the most significant part of car insurance when considering which factors will lower your premium more dramatically than others.
Check out the table below for your state’s average annual liability rates.
U.S. Average Annual Liability Auto Insurance Rates by State
| States | Annual Liability Rates | Annual Full Coverage Rates |
|---|---|---|
| North Dakota | $298.18 | $773.30 |
| Iowa | $299.18 | $702.46 |
| South Dakota | $300.22 | $766.91 |
| Wyoming | $321.04 | $847.44 |
| Maine | $338.87 | $703.82 |
| Vermont | $343.12 | $764.02 |
| Idaho | $344.29 | $679.89 |
| Kansas | $358.24 | $862.93 |
| North Carolina | $359.42 | $789.09 |
| Nebraska | $364.64 | $831.02 |
| Wisconsin | $374.37 | $737.18 |
| Indiana | $382.68 | $755.03 |
| Montana | $386.29 | $863.52 |
| Arkansas | $394.13 | $906.34 |
| Alabama | $394.21 | $868.48 |
| Ohio | $397.11 | $788.56 |
| New Hampshire | $400.56 | $818.75 |
| Tennessee | $413.91 | $871.43 |
| Missouri | $415.88 | $872.43 |
| Virginia | $425.61 | $842.67 |
| Illinois | $446.72 | $884.56 |
| Minnesota | $456.82 | $875.49 |
| Hawaii | $458.54 | $873.28 |
| Mississippi | $460.50 | $994.05 |
| Oklahoma | $461.01 | $1,005.32 |
| New Mexico | $488.03 | $937.59 |
| California | $489.66 | $986.75 |
| West Virginia | $491.83 | $1,025.78 |
| Utah | $497.53 | $872.93 |
| Pennsylvania | $499.06 | $970.51 |
| Arizona | $508.76 | $972.85 |
| Colorado | $520.04 | $981.64 |
| South Carolina | $527.09 | $973.10 |
| Texas | $528.75 | $1,109.66 |
| Kentucky | $529.21 | $938.51 |
| Alaska | $539.68 | $1,027.75 |
| Georgia | $557.38 | $1,048.40 |
| Oregon | $584.13 | $904.83 |
| Washington | $596.67 | $968.80 |
| Massachusetts | $606.04 | $1,129.29 |
| Maryland | $609.74 | $1,116.45 |
| District of Columbia | $628.82 | $1,330.73 |
| Connecticut | $650.94 | $1,151.07 |
| Nevada | $681.56 | $1,103.05 |
| Rhode Island | $759.80 | $1,303.50 |
| Louisiana | $775.83 | $1,405.36 |
| Michigan | $795.32 | $1,364.00 |
| Delaware | $799.30 | $1,240.57 |
| New York | $804.51 | $1,360.66 |
| Florida | $857.64 | $1,257.13 |
| New Jersey | $869.57 | $1,382.79 |
| U.S. Average | $538.73 | $1,009.38 |
After that is comprehensive and collision auto insurance coverage. Coming in last is medical payments coverage. Look at this chart to see how comprehensive auto insurance rates compare with liability rates in a sampling of states nationwide.
This will give you an idea of how your rates stack up with the rest of the U.S.
Monthly Auto Insurance Rates by State: Comprehensive vs. Liability Coverage
| State | Comprehensive Coverage | Liability Coverage |
|---|---|---|
| Arizona | $123 | $76 |
| California | $172 | $64 |
| Florida | $216 | $126 |
| Georgia | $165 | $92 |
| Illinois | $88 | $34 |
| Michigan | $240 | $110 |
| New York | $285 | $93 |
| Ohio | $98 | $48 |
| Pennsylvania | $142 | $85 |
| Texas | $105 | $105 |
In the end, focus on safety above all else. A safe vehicle will protect you and your passengers from injury, cost less to repair/replace, and give you the cheapest auto insurance premiums in the long run.
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Tips for Securing Cheap Auto Insurance Quotes Online
Is your car on the list of the most stolen vehicles in America? If it is, you may pay higher premiums than drivers of less frequently stolen vehicles. Any car can be stolen, but some are more vulnerable than others.
To find the best deal, always review multiple quotes, apply discounts, and focus on coverage that matches your specific needs.
Jeff Root Licensed Insurance Agent
According to statistical data, car thieves usually target specific vehicles for specific reasons. These trends are reflected in low-cost automobile insurance premiums. But don’t despair: a suitable anti-theft device will help lower your premium and protect your investment.
The National Insurance Crime Bureau reports that the following cars have the highest risk of theft:
- Honda (HMC) Accord
- Honda Civic
- Ford F-150 (Full Size)
Shopping around is the best way to find Honda Odyssey auto insurance rates, affordable automobile insurance, and even cheap auto insurance that fits your needs and budget. That’s where we come in, helping you secure the best deals for car insurance.
How to Secure the Best Price for Car Insurance
Getting affordable car insurance is based on several important factors, including your age, driving history, where you live, and what you drive. Companies like Geico, USAA, and Travelers have competitive prices beginning at $37 per month.
You can keep your premiums low with no down payment auto insurance or $39 car insurance by maintaining a clean driving record, choosing the right coverage, and driving a vehicle with lower insurance risks.
Finding cheap auto insurance is easier when you improve your credit score and explore discounts tailored for specific driver profiles, helping you get the best rate for auto insurance.
Use our free comparison tool to find cheap auto insurance quotes near you. Just enter your ZIP code to get started.
Frequently Asked Questions
Where can you find affordable car insurance in Sacramento?
You can find affordable car insurance in Sacramento by comparing rates from providers like Geico, Progressive, and State Farm, which offer competitive pricing. Also, consider local insurance agents who specialize in California-specific discounts.
How do you get auto insurance quotes in Hastings, MN?
To get auto insurance quotes in Hastings, MN, visit insurance websites like Geico or Allstate and use their online quote tools. You can also contact local agents for personalized quotes or use comparison sites like The Zebra.
What are the best ways to compare auto insurance quotes in Hastings, NE?
The best ways to compare auto insurance quotes in Hastings, NE, include using online comparison tools like NerdWallet or The Zebra, checking individual company websites like State Farm and Farmers, and asking, “How much insurance coverage do I need?” when reaching out to local agents for customized quotes that suit your needs.
How can you secure auto insurance quotes in New Franklin, Ohio?
To secure auto insurance quotes in New Franklin, OH, visit major insurers’ websites like Nationwide or Progressive, use local agents for tailored quotes, and consider bundling options for additional savings.
Start saving on your auto insurance by entering your ZIP code and comparing quotes.
What options are available for bargain car insurance?
For bargain car insurance, explore low-cost providers like Geico, USAA (if eligible), and Progressive. These providers offer discounts for safe driving, bundling, or low mileage. Additionally, usage-based insurance should be considered for potentially lower premiums.
Who has the cheapest car insurance?
Depending on location, driving history, and coverage needs, cheap auto insurance companies often include Geico, USAA, and State Farm. Shopping around and comparing quotes from multiple cheap auto insurance companies is the best way to find the most affordable option for your specific situation.
Can you get car insurance and pay later?
There are some insurance companies out there that offer no-down-payment insurance, though they are rare. You may have even heard about super-low rates, including 99-cent car insurance, but you must research those offers carefully to ensure they’re legitimate. Some promotions, like cheap auto insurance rates for instructors and coaches, can be real money-savers—but it’s important to verify eligibility and read the fine print before signing up.
How can I get an AAA auto insurance quote online?
Visit www.aaa.com, enter your ZIP code, and follow the prompts under the “Insurance” section to receive a personalized auto insurance quote.
Where can I find Acceptance Insurance in Knoxville, TN?
Acceptance Insurance is located at 4418 Western Ave, Knoxville, TN 37921. To confirm hours and services, call (865) 522-7337 or visit www.acceptanceinsurance.com.
How do I get a policy from Acceptance Insurance in Lake City, FL?
Visit the local office at 237 SW Main Blvd, Lake City, FL 32025, or call (386) 754-9988. You can also start a quote online at www.acceptanceinsurance.com, where you can review the different types of auto insurance coverage available.