Cheap Auto Insurance in 2025 (Save With These 10 Companies)
The cheap auto insurance providers are Geico, USAA, and Travelers, with rates starting at $37 per month. Geico offers discounts to most types of drivers, USAA offers superior savings to military families, and Travelers offers low-cost protection plans, making them the best cheap car insurance choices.
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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: Mar 26, 2025
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19,116 reviewsCompany Facts
Min. Coverage for Auto Insurance
A.M. Best Rating
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19,116 reviews
6,589 reviewsCompany Facts
Min. Coverage for Auto Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
1,733 reviewsCompany Facts
Min. Coverage for Auto Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviewsThe cheap auto insurance picks are Geico, USAA, and Travelers, with premiums beginning at $37 a month.
Geico is exceptional for aggressive discounts on different driver profiles, and USAA significantly discounts 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 clearly and concisely compares every company’s rates and advantages to help you find the cheapest auto insurance and secure an affordable auto insurance quote, 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 rate
- Geico is the top pick, offering affordable rates starting at just $37/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 monthly rates, starting at $37 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 article titled “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: Cheapest Auto Insurance
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 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 article called “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: Cheapest Auto Insurance
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: Travelers has an A++ rating from A.M. Best, ensuring solid financial backing.
Cons
- Limited State Availability: Travelers may not be available in every state, which can limit its accessibility. Enhance your knowledge by reading our “Travelers Auto Insurance Review.”
- Customer Service: Travelers have received mixed reviews regarding their customer service responsiveness.
#4 – Nationwide: Cheapest Auto Insurance
Pros
- Vanishing Deductible: Nationwide offers a unique vanishing deductible program, lowering your deductible for each year of safe driving.
- Affordable Monthly Rates: Nationwide’s 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 article entitled “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: Cheapest Auto Insurance
Pros
- Loyalty Rewards: American Family offers loyalty rewards, giving long-term policyholders savings and additional perks.
- Affordable Coverage: American Family offers competitive pricing 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 that American Family’s customer service can be inconsistent. For additional insights, refer to our “American Family Auto Insurance Review.”
- Higher Premiums for Young Drivers: Young or inexperienced drivers may face higher premiums than other companies.
#6 – Allstate: Cheapest Auto Insurance
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, 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 understanding, consult our article titled “Allstate Auto Insurance Review.”
- Customer Service Issues: Allstate’s customer service ratings are mixed, with some customers reporting slow response times.
#7 – State Farm: Cheapest Auto Insurance
Pros
- Customer Service: State Farm is well-known for its excellent customer service, providing personalized assistance to policyholders.
- Affordable Monthly Rates: State Farm’s 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
- B Rating from A.M. Best: 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 with our article entitled “State Farm Auto Insurance Review.”
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#8 – Progressive: Cheapest Auto Insurance
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 article ” Progressive Auto Insurance Review” will deepen your understanding.
#9 – Farmers: Cheapest Auto Insurance
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 a competitive rate structure.
- Strong Customer Support: Farmers are known for their attentive and responsive customer service. For further details, consult our article titled ” 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: Cheapest Auto Insurance
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 assist you in determining how to reduce your premium and obtain the best cheap car insurance rates, including cheap auto insurance with no down payment. By understanding these factors, you can secure affordable auto insurance online and receive an affordable auto insurance quote tailored to your specific circumstances.
Find the Lowest 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 & Lower Your Premium
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 an affordable auto insurance rate.
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 How to Find 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 Cheap Auto 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 or securing the best price for car 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 tool below to find cheap auto insurance quotes near you. Just enter your ZIP code to get started.