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There’s just no way around it: Car insurance is something you need. Your state car insurance regulations probably require you to have some sort of insurance coverage. Your car financing or leasing company also probably requires coverage, and let’s face it, you probably don’t want to have to come up with thousands of dollars for vehicle repairs, property repairs, or medical costs in the event of an accident.
In brief, you buy an insurance policy from an auto insurance company. You pay annual premiums, and if you have an accident, you make a claim that covers your financial losses that occurred because of the accident. Read How Car Insurance Works and How Much Car Insurance Do I Need for more information.
Getting a good deal on car insurance is all about finding the balance between the coverage you want and rates that fit your budget. We took a look at car insurance rates across a variety of driver profiles to help you find the cheapest car insurance companies among the major insurers. Note that the “study rates” presented below are a simple average across a wide variety of driver profiles. The rates available to you may be higher or lower.
Cheapest Car Insurance Companies
USAA is the cheapest car insurance company, and it offers the lowest car insurance rates in the country, according to our analysis. This insurer has a low representative rate of just $885 per year, which is nearly $300 less than the next cheapest insurance company in our study. USAA has the lowest study premiums for nearly every driver profile we analyzed, and even when it wasn't the absolute cheapest, it wasn't much more expensive than its cheaper rival.
Geico is the second-cheapest car insurance company, with a study rate of $1,168 annually. That's quite a bit more expensive than USAA’s representative rate, but it's still around 17% cheaper than the national average in our analysis. Geico offers some of the lowest study rates for nearly every driver profile, except the one with a DUI. This insurance company really stands out from its competitors when we look at our 25-year-old driver profiles. Geico's representative rates for these profiles are hundreds of dollars cheaper than what nearly every other insurer offers.
State Farm is the third-cheapest car insurance company in our study. With an annual representative rate of $1,234, State Farm is cheaper than the national average. According to our analysis, this insurer is a great option for representative profiles with less-than-stellar driving records. State Farm’s study rates are well below the national average for the profiles with a speeding ticket or an accident. This insurer was the cheapest of all for the profile with a DUI.
Travelers is the fourth-cheapest car insurance company in our ranking of the cheapest insurers. It's still within striking distance of State Farm and Geico, however, with a representative premium of $1,267 per year. Across the range of our driver profiles, regardless of age, gender, credit score, or driving history, Travelers had study rates that were a bit below average.
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Progressive is the fifth-cheapest car insurance company. Its representative rate is still a bit below the average among all the companies, with a study premium of $1,373. The same is true across most of our driver profiles, with Progressive's rates hovering close to or just below the average. Progressive is a great option for the driver profile with a DUI, with a study rate much lower than average. However, it is among the most expensive for the profile with an accident.
American Family is the sixth-cheapest car insurance company, with a study premium of $1,391. This is the last auto insurance company with a representative rate that is lower than the national average. Like Progressive, American Family stayed right around the average among the nine insurers for most of our driver profiles, but it strayed toward the cheaper end for the profiles with poor driving histories.
Farmers is the seventh-cheapest car insurance company. Its study rate of $1,682 annually is about 20% higher than American Family's representative premium. It's also a couple of hundred dollars more expensive than the national average. Farmers' study rates are consistently on the expensive side for all of our driver profiles (though it is never the most expensive).
Nationwide is the eighth-cheapest car insurance company, and its annual study rate of $1,864 is about $200 more expensive than Farmers’ representative rate, and more than $400 higher than the national average. More damningly: Nationwide is more than twice as expensive as USAA. This car insurance company is particularly expensive for our 25-year-old driver profiles, as well as those with poor driving histories. For the profile with a DUI, Nationwide has a study rate of more than $4,000 per year, or nearly $350 per month.
Allstate is the most expensive car insurance company in our study, though just by a hair. This company's study rate of $1,880 only costs about $1 more per month than Nationwide’s. Still, Allstate ultimately takes the dubious crown as the most expensive auto insurer in our analysis, with especially high rates for our 35- and 60-year-old driver profiles. Allstate also heavily penalizes driver profiles with fair or poor credit.
It's important to note that our data may not include all states in which each of these companies operate. Study rates for Allstate, Geico, and State Farm are based on data reported in all 50 states and the District of Columbia, while USAA is based on data from 48 states, Progressive on data from 47 states, Nationwide on data from 43, Farmers on data from 31, Travelers on data from 24, and American Family on data from 19.
How We Found the Cheapest Car Insurance Companies
At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, civic areas, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.
Our Study Rates
For this study, U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. Quadrant obtained rate data provided by car insurers to state regulators, based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include 2015 and 2018 models of the Honda Civic, Toyota RAV4, and Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations.
There’s just no way around it: Car insurance is something you need. Your state car insurance regulations probably require you to have some sort of insurance coverage. Your car financing or leasing company also probably requires coverage, and let’s face it, you probably don’t want to have to come up with thousands of dollars for vehicle repairs, property repairs, or medical costs in the event of an accident.
In brief, you buy an insurance policy from an auto insurance company. You pay annual premiums, and if you have an accident, you make a claim that covers your financial losses that occurred because of the accident. Read How Car Insurance Works and How Much Car Insurance Do I Need for more information.
Getting a good deal on car insurance is all about finding the balance between the coverage you want and rates that fit your budget. We took a look at car insurance rates across a variety of driver profiles to help you find the cheapest car insurance companies among the major insurers. Note that the “study rates” presented below are a simple average across a wide variety of driver profiles. The rates available to you may be higher or lower.
Cheapest Car Insurance Companies
USAA is the cheapest car insurance company, and it offers the lowest car insurance rates in the country, according to our analysis. This insurer has a low representative rate of just $885 per year, which is nearly $300 less than the next cheapest insurance company in our study. USAA has the lowest study premiums for nearly every driver profile we analyzed, and even when it wasn't the absolute cheapest, it wasn't much more expensive than its cheaper rival.
Geico is the second-cheapest car insurance company, with a study rate of $1,168 annually. That's quite a bit more expensive than USAA’s representative rate, but it's still around 17% cheaper than the national average in our analysis. Geico offers some of the lowest study rates for nearly every driver profile, except the one with a DUI. This insurance company really stands out from its competitors when we look at our 25-year-old driver profiles. Geico's representative rates for these profiles are hundreds of dollars cheaper than what nearly every other insurer offers.
State Farm is the third-cheapest car insurance company in our study. With an annual representative rate of $1,234, State Farm is cheaper than the national average. According to our analysis, this insurer is a great option for representative profiles with less-than-stellar driving records. State Farm’s study rates are well below the national average for the profiles with a speeding ticket or an accident. This insurer was the cheapest of all for the profile with a DUI.
Travelers is the fourth-cheapest car insurance company in our ranking of the cheapest insurers. It's still within striking distance of State Farm and Geico, however, with a representative premium of $1,267 per year. Across the range of our driver profiles, regardless of age, gender, credit score, or driving history, Travelers had study rates that were a bit below average.
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Progressive is the fifth-cheapest car insurance company. Its representative rate is still a bit below the average among all the companies, with a study premium of $1,373. The same is true across most of our driver profiles, with Progressive's rates hovering close to or just below the average. Progressive is a great option for the driver profile with a DUI, with a study rate much lower than average. However, it is among the most expensive for the profile with an accident.
American Family is the sixth-cheapest car insurance company, with a study premium of $1,391. This is the last auto insurance company with a representative rate that is lower than the national average. Like Progressive, American Family stayed right around the average among the nine insurers for most of our driver profiles, but it strayed toward the cheaper end for the profiles with poor driving histories.
Farmers is the seventh-cheapest car insurance company. Its study rate of $1,682 annually is about 20% higher than American Family's representative premium. It's also a couple of hundred dollars more expensive than the national average. Farmers' study rates are consistently on the expensive side for all of our driver profiles (though it is never the most expensive).
Nationwide is the eighth-cheapest car insurance company, and its annual study rate of $1,864 is about $200 more expensive than Farmers’ representative rate, and more than $400 higher than the national average. More damningly: Nationwide is more than twice as expensive as USAA. This car insurance company is particularly expensive for our 25-year-old driver profiles, as well as those with poor driving histories. For the profile with a DUI, Nationwide has a study rate of more than $4,000 per year, or nearly $350 per month.
Allstate is the most expensive car insurance company in our study, though just by a hair. This company's study rate of $1,880 only costs about $1 more per month than Nationwide’s. Still, Allstate ultimately takes the dubious crown as the most expensive auto insurer in our analysis, with especially high rates for our 35- and 60-year-old driver profiles. Allstate also heavily penalizes driver profiles with fair or poor credit.
It's important to note that our data may not include all states in which each of these companies operate. Study rates for Allstate, Geico, and State Farm are based on data reported in all 50 states and the District of Columbia, while USAA is based on data from 48 states, Progressive on data from 47 states, Nationwide on data from 43, Farmers on data from 31, Travelers on data from 24, and American Family on data from 19.
How We Found the Cheapest Car Insurance Companies
At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, civic areas, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.
Our Study Rates
For this study, U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. Quadrant obtained rate data provided by car insurers to state regulators, based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include 2015 and 2018 models of the Honda Civic, Toyota RAV4, and Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations.
To get the study rates shown here, we computed the mean rate for male and female drivers ages 24, 35, and 60 who drive 12,000 miles per year, have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates on our site.
How Much Is Car Insurance?
According to our study, the national average representative rate among the nine largest car insurance companies in the country is $1,416. That being said, it's not possible to say exactly what it will cost you since insurers set rates using a wide range of personalized data.
To demonstrate how much car insurance rates can fluctuate, we'll look at how age or gender can affect the premiums in our study. The 25-year-old male driver profile had the highest average study rate, at $1,669, followed closely by the profile of a 25-year-old female, which had an average of $1,593. The lowest representative premium we found was for the 60-year-old female profile ($1,229), and then the 60-year-old male profile ($1,267). The rates for the 35-year-old profiles were right around $1,370 for both males and females.
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How Much Is Car Insurance?
According to our study, the national average representative rate among the nine largest car insurance companies in the country is $1,416. That being said, it's not possible to say exactly what it will cost you since insurers set rates using a wide range of personalized data.
To demonstrate how much car insurance rates can fluctuate, we'll look at how age or gender can affect the premiums in our study. The 25-year-old male driver profile had the highest average study rate, at $1,669, followed closely by the profile of a 25-year-old female, which had an average of $1,593. The lowest representative premium we found was for the 60-year-old female profile ($1,229), and then the 60-year-old male profile ($1,267). The rates for the 35-year-old profiles were right around $1,370 for both males and females.
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