10 Cheapest Auto Insurance Companies in 2024 (Discover Hidden Savings!)
The cheapest auto insurance companies are Erie, AAA, and Auto-Owners. Overall, Erie is the cheapest company, at $22 per month. However, rates can vary significantly based on factors such as age, location, driving record, and type of vehicle. Find out which company has the cheapest insurance coverage for you.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Oct 2, 2024
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UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
Erie, AAA, and Auto-Owners rank as the top picks for the cheapest auto insurance companies, with rates starting from $22, $32, and $33 per month respectively.
When it comes to saving money on car insurance, every driver is different in terms of their driving profile. So a company cheapest for your friend may not be your cheapest auto insurance company. Learn more about why auto insurance rates vary so much.
Our Top 10 Picks: Cheapest Auto Insurance Companies
Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $22 | A+ | Personalized Policies | Erie | |
#2 | $32 | A | Roadside Assistance | AAA | |
#3 | $33 | A++ | Add Ons | Auto-Owners | |
#4 | $37 | A++ | Coverage Options | Travelers | |
#5 | $42 | A+ | Tailored Policies | Hartford | |
#6 | $44 | A+ | Multi-Policy Savings | Nationwide | |
#7 | $45 | A | Claims Service | American Family | |
#8 | $53 | A | Safe-Driving Discounts | Farmers | |
#9 | $54 | A | High-Risk Coverage | The General | |
#10 | $68 | A | Coverage Options | Liberty Mutual |
That said, while prices may vary depending on the individual, it’s good to know which companies have a reputation for offering affordable rates. Get fast and cheap auto insurance coverage today with our quote comparison tool above.
- Erie is the cheapest auto insurance company at $22 monthly
- Most states require a minimum amount of auto insurance for drivers
- Auto insurance costs vary based on location, driving history, credit score and more
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#1 – Erie: Top Pick Overall
Pros
- Strong Financial Standing: Erie has been around for over 90 years and boasts an A+ financial rating by AM Best.
- Above-Average Customer Service: Many customers have reported quick and easy claims processes with helpful representatives.
- Multiple Discounts Available: Erie offers a variety of discounts, including multi-policy, safe driving, and teen driver discounts. Learn more in our Erie auto insurance review.
Cons
- Limited Availability: Erie is only available in 12 states, mostly located in the Northeast and Midwest.
- Higher Rates for High-Risk Drivers: Erie tends to have higher rates for drivers with a history of accidents or violations.
#2 – AAA: Best for Road Assistance
Pros
- Discounts and Rewards: AAA has a wide range of discounts and rewards, including good-driver and new young-driver discounts.
- Roadside Assistance: AAA offers extensive roadside assistance coverage which you can read more about in our AAA auto insurance review.
- Strong Reputation: AAA has a long-standing reputation for its reliability and trustworthiness in the insurance industry.
Cons
- Membership Requirement: AAA auto insurance typically requires individuals to become AAA members.
- Regional Restrictions: If you move to a different state or region not served by your original AAA club, you may need to change AAA insurance providers.
#3 – Auto-Owners: Best for Add-Ons
Pros
- Competitive Pricing: Auto-Owners Insurance offers some of the most competitive pricing for minimum coverage policies.
- High Customer Satisfaction: Auto-Owners is known for its high level of customer satisfaction, especially in handling claims and customer service.
- Wide Range of Discounts Available: Auto-Owners provides a variety of discounts including safe driver, multi-policy, paperless billing discounts and more. Learn more in our Auto-Owners auto insurance review.
Cons
- Limited Availability Online: Unlike some competitors that allow you to quote and buy policies entirely online, Auto-Owners still relies heavily on agents for policy issuance and management.
- Expensive for Certain Demographics: Might not always be the cheapest option for full coverage or for certain demographics.
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#4 – Travelers: Best for Coverage Options
Pros
- Comprehensive Coverage Options: Customers can benefit from standard coverage and add-ons like gap, rental, and rideshare insurance.
- Discount Opportunities: Travelers offers safe driver discounts, multi-policy bundling, hybrid/electric vehicle discounts, and more.
- Accident Forgiveness Program: Your rate won’t increase after your first accident if you qualify for this program. Find out if you qualify in our Travelers auto insurance review.
Cons
- Sparse Local Agents: Travelers’ local representation can sometimes be limited.
- Mixed Customer Reviews: While Travelers has many satisfied customers, there are also some negative reviews regarding claims handling and customer service.
#5 – The Hartford: Best for Tailored Policies
Pros
- Tailored Policies: The Hartford excels in providing tailored insurance policies that cater to individual customer needs.
- Plenty of Discounts: The Hartford offers a wide range of discounts, allowing customers to save money on their auto insurance. We have explored these discounts in our The Hartford auto insurance review.
- Easy Claims Process: The Hartford provides a streamlined claims process, making it convenient for customers to file and resolve claims.
Cons
- Limited Availability: The Hartford’s insurance coverage is only available in select states, which may limit access for some potential customers.
- Expensive for Young Drivers: The Hartford’s auto insurance may be pricier for young drivers due to their age and driving experience.
#6 – Nationwide: Best for Multi-Policy Savings
Pros
- Multi-Policy Discounts: Nationwide offers savings for customers who bundle their auto insurance with other policies, such as home or life insurance. Learn more in our Nationwide auto insurance review.
- Good Customer Service: Nationwide has a strong reputation for excellent customer service, with high ratings in satisfaction surveys.
- Plenty of Coverage Options: Customers can tailor their auto insurance policy to fit their needs by choosing from various coverage options.
Cons
- Average Claims Process: Nationwide has received some complaints about their claims process taking longer than expected, which can be frustrating for customers.
- Pricey: While Nationwide offers many discounts, their base prices may still be higher compared to other insurance companies.
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#7 – American Family: Best for Claims Service
Pros
- Excellent Claims Service: American Family has a reputation for providing efficient and responsive claims service, making the process easier for customers.
- Customizable Policies: Customers can personalize their auto insurance policies by selecting multiple coverage options that fit their needs.
- Affordable Rates: American Family offers competitive rates and discounts. Learn more in our American Family auto insurance review.
Cons
- Limited Availability: American Family is only available in 19 states, which may make it difficult for some customers to access their services.
- Mixed Customer Reviews: While American Family has a strong reputation for claims service, some customers have reported issues with their policies and billing.
#8 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Farmers offers a variety of discounts for safe drivers, including those who have completed driver’s education courses or are accident-free.
- Multiple Coverage Options: Customers can choose from a range of coverage options to customize their policy and ensure they have the right amount of protection. Learn about Farmers’ coverage options in our Farmers auto insurance review.
- Strong Financial Standing: With high ratings from industry organizations such as A.M. Best, Farmers has a strong financial standing and can provide peace of mind to customers.
Cons
- Costlier for High-Risk Drivers: Customers with a history of accidents or traffic violations may face higher rates with Farmers compared to other insurance companies.
- Low Customer Satisfaction: Farmers received below-average ratings in customer satisfaction for overall experience and claims handling.
#9 – The General: Best for High-Risk Coverage
Pros
- High-Risk Coverage: The General auto insurance offers coverage specifically for high-risk drivers.
- Quick and Easy Quotes: Customers can get a quote within minutes on The General’s website or by calling their toll-free number.
- Flexible Payment Plans: The General offers flexible payment plans. Find out how to benefit from these plans from The General auto insurance review.
Cons
- Slow Claims Process: According to customer reviews, The General’s claims process can be slow and frustrating.
- Poor Communication: Some customers have reported poor communication from The General regarding their policies and claims.
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#10 – Liberty Mutual: Best for Coverage Options
Pros
- Coverage Options: With Liberty Mutual, customers can customize their coverage and choose from various add-ons, such as accident forgiveness and new car replacements.
- Nationwide Availability: Liberty Mutual is available in all 50 states. Read more in our Liberty Mutual Auto Insurance Review.
- Excellent Ratings: Liberty Mutual has received an A rating from AM Best for financial stability and an A+ rating from the BBB for customer satisfaction.
Cons
- Higher-Than-Average Complaints: According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual has a higher-than-average complaint index in some states.
- Low Claims Satisfaction Ratings: Liberty Mutual received below-average overall and settlement satisfaction ratings.
Finding The Cheapest Auto Insurance Rates for You
Car insurance rates depend on various factors — location, driving history, credit score, and more — so some insurance companies may be cheaper for certain drivers than others.
We’ve grouped auto insurance companies by which is cheapest for various categories, so you can easily find which company is cheapest for your own needs and profile.
Read More: Geico Auto Insurance Review
Below, we’ll detail each category so you can learn more about why each company is the cheapest for certain drivers.
- Affordable Auto Insurance
- Auto Insurance Premium in 2024 (In-Depth Explanation)
- What should I do if I can’t afford auto insurance?
- High-Risk Auto Insurance in 2024 (What You Should Know)
- Cheap Auto Insurance When Unemployed in 2024 (Save Big With These 9 Companies!)
- Government Assistance Programs for Low-Income Drivers in 2024 (Get Help Here!)
- Why is it so hard to find cheap auto insurance? (2024)
- Does cheap no-fault auto insurance exist? (2024)
Cheapest Auto Insurance Overall
The cheapest car insurance company overall is Erie, which costs $22 per month for a liability-only policy.
Auto Insurance Monthly Rates From the Cheapest Companies
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$22 | $58 | |
$32 | $86 | |
$33 | $87 | |
$37 | $99 | |
$42 | $113 | |
$43 | $115 | |
$45 | $117 | |
$53 | $139 | |
$53 | $232 | |
$67 | $174 |
USAA does offer cheaper coverage, but this is only available to some buyers. USAA only offers auto insurance coverage to active duty military, veterans, and their families, so it is not on our list of cheap auto insurance companies.
Liability-only auto insurance policies, which typically include a combination of bodily injury liability coverage and property damage liability coverage, are often the bare-minimum coverage required by the state and are the cheapest options.
However, if you have a high value car, lease or finance your car, or just want more peace of mind then you may want to get a more comprehensive insurance policy. Of course, the added protection comes at a higher cost (Read More: Comprehensive Auto Insurance).
Cheapest Auto Insurance Companies for Drivers with a Traffic Ticket
State Farm is the cheapest national insurance provider for drivers with traffic tickets, offering rates as low as $37 a month. Depending on where you live, there are even cheaper insurance options offered by regional insurance providers like Erie, Clearcover, and Safeco. Read our Safeco auto insurance review for more details.
Read More: Clearcover Auto Insurance Review
Auto Insurance Monthly Rates After a Ticket
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$32 | $86 | |
$45 | $120 | |
$33 | $88 | |
$22 | $62 | |
$53 | $141 | |
$68 | $182 | |
$44 | $117 | |
$54 | $144 | |
$42 | $112 | |
$37 | $99 |
Traffic tickets not only carry a small fine, but they can have a significant impact on car insurance rates. When you receive a traffic ticket, it typically means you’ve violated a traffic law or regulation, which can be seen by insurance companies as an increased risk.
On average, the cost of auto insurance can increase anywhere from $125 to $330 more per year after getting a traffic ticket.
To learn more about how tickets can impact your insurance and how to lower your premiums after getting one, see our article “How does a speeding ticket affect auto insurance rates?”
Cheapest Auto Insurance Companies After a Car Accident
Your car insurance rates will increase if you get in a car accident and you are found to be at fault. Your car insurance rates can increase anywhere from $250 to $640 annually depending on the type of car insurance policy that you have.
Maintaining a good, safe driving record is one of the best things you can do to keep your auto insurance premiums low.
State Farm is the cheapest insurance company for drivers with an accident on their record, offering coverage as low as $40 per month. Take a look at the other insurance companies with reasonable rates below.
Auto Insurance Monthly Rates After an Accident
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$50 | $100 | |
$55 | $115 | |
$48 | $98 | |
$57 | $133 | |
$65 | $139 | |
$67 | $174 | |
$61 | $111 | |
$70 | $130 | |
$64 | $128 | |
$53 | $103 | |
U.S. Average | $63 | $133 |
Accidents won’t stay on your driving record forever. If you are able to maintain a safe driving record, then the accident will eventually fall off of your record and you will be able to get cheaper insurance again. For more details, read our article titled “How long does an accident stay on your record?”
The best auto insurance companies for high-risk drivers may offer discounts for completing an approved defensive driving program. You may also want to consider raising your deductible to lower your premium.
Cheapest Auto Insurance Companies After a DUI
A DUI on a record automatically means higher insurance rates. However, there are still options to find cheaper auto insurance coverage. Usually, regional insurance companies compete with each other to offer affordable auto insurance rates for drivers with a DUI.
Auto Insurance Monthly Rates After a DUI
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$57 | $157 | |
$49 | $149 | |
$51 | $151 | |
$58 | $164 | |
$74 | $174 | |
$67 | $174 | |
$44 | $115 | |
$137 | $200 | |
$71 | $160 | |
$78 | $178 | |
U.S. Average | $61 | $148 |
Generally, these regional companies have lower overhead costs than big insurance companies and can help their customers save. Compare multiple quotes from companies to find the most affordable auto insurance.
Cheapest Auto Insurance Companies for Teens
For most teen drivers, the cheapest option for insurance is for the teen to stay on their parents’ auto insurance policy. Geico offers the cheapest teens auto insurance purchasing their own policy, offering rates as low as $107 per month.
Auto Insurance Monthly Rates for Teens
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$65 | $165 | |
$45 | $145 | |
$74 | $174 | |
$40 | $125 | |
$81 | $181 | |
$60 | $182 | |
$52 | $152 | |
$134 | $256 | |
$58 | $160 | |
$70 | $180 | |
U.S. Average | $55 | $160 |
Statistically, teenage males are more likely to get into crashes and file claims. They’re also more likely to participate in risk-taking behaviors like speeding or not wearing a seat belt.
In states where insurers can consider gender when setting rates, teenage males have higher rates than teenage female drivers. However, teenage males can reduce their rates by keeping a clean driving record and participating in safe driving programs.
Cheap Auto Insurance Companies for Seniors
Senior drivers may see their rates slowly increase as they age since insurance companies view them as higher risk due to age-related factors like slowing reflexes and declining eyesight.
However, comparing rates can help find savings on auto insurance for seniors. The cheapest car insurance company for senior drivers is Geico.
Auto Insurance Monthly Rates for Seniors by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$33 | $86 | |
$43 | $113 | |
$33 | $87 | |
$35 | $90 | |
$52 | $136 | |
$47 | $120 | |
$41 | $105 | |
$50 | $130 | |
$45 | $135 | |
$36 | $96 | |
U.S. Average | $44 | $115 |
Senior drivers can also participate in driving safety courses to earn a safe driving discount if it’s available from their insurance provider. Maintaining a good driving record and shopping around will also go a long way to finding car insurance that fits a senior driver’s needs and budget.
Senior male drivers pay slightly more than female senior drivers for car insurance. However, in states where basing rates on gender is banned, rates will be the same for male and female senior drivers with the same driving record and demographic information. If you’re 80 and looking for auto insurance see our article on cheap auto insurance for drivers over 80.
Cheapest Auto Insurance Companies by State
Auto insurance rates vary widely between states. Look at the table below to see which companies offer the cheapest auto insurance coverage in each state.
Cheapest Liability Only Auto Insurance Provider by State
State | Cheapest Insurance Company | Minimum Coverage Rates |
---|---|---|
Alaska | $22 | |
Alabama | $28 | |
Arkansas | $28 | |
Arizona | $25 | |
California | $33 | |
Colorado | $28 | |
Connecticut | $32 | |
District of Columbia | $29 | |
Delaware | $43 | |
Florida | $30 | |
Georgia | $24 | |
Hawaii | $22 | |
Iowa | $16 | |
Idaho | $15 | |
Illinois | $18 | |
Indiana | $22 | |
Kansas | $24 | |
Kentucky | $29 | |
Louisiana | $33 | |
Massachusetts | $28 | |
Maryland | $55 | |
Maine | $15 | |
Michigan | $47 | |
Minnesota | $27 | |
Missouri | $23 | |
Mississippi | $27 | |
Montana | $16 | |
North Carolina | $13 | |
North Dakota | $17 | |
Nebraska | $18 | |
New Hampshire | $21 | |
New Jersey | $47 | |
New Mexico | $24 | |
Nevada | $35 | |
New York | $40 | |
Ohio | $23 | |
Oklahoma | $29 | |
Oregon | $38 | |
Pennsylvania | $23 | |
Rhode Island | $32 | |
South Carolina | $33 | |
South Dakota | $12 | |
Tennessee | $22 | |
Texas | $33 | |
Utah | $33 | |
Virginia | $26 | |
Vermont | $12 | |
Washington | $26 | |
Wisconsin | $21 | |
West Virginia | $29 | |
Wyoming | $17 |
Some of the cheapest states for auto insurance are Tennessee, South Dakota, Vermont, North Carolina, and Maine.
Factors Affecting Your Auto Insurance Rates
While rates differ by company, all insurers will look at the same basic factors to calculate your auto insurance rates. The main factors affecting your auto insurance rates are as follows:
Factors That Affect Auto Insurance Rates
Factor | Rate Impact |
---|---|
Mileage | Higher mileage increases rates; lower mileage decreases them. |
Time of day (3–6 p.m.) | Higher accident risk during peak commute times; may affect rates. |
Rush hour accidents | Higher risk during rush hour, possibly increasing rates. |
Accidents proximity to home | Most accidents occur close to home, potentially raising rates. |
Driving behavior (Rush vs. Relaxed) | Rushed driving increases accident risk and potentially rates. |
Job & mode of commutation | Lower rates for public transit users compared to daily car commuters. |
Hard braking events | Indicates risky driving, which can increase rates. |
Cellphone use while driving | Increases accident risk significantly, affecting rates. |
Vehicle usage classification | Pleasure" use lowers rates; "business"/"commuter" use increases them. |
Driving in high-risk areas | Frequenting accident-prone/vandalism areas raises rates. |
- Age: Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time. Read more: Auto insurance rates by age.
- Claims History: If you’ve filed multiple claims, you’ll have higher insurance rates.
- Credit Score: Drivers with lower credit scores are more likely to file claims or miss payments. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor.
- Driving History: Traffic tickets, accidents, DUIs, and other similar charges will raise rates.
- Gender: Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. Find out why auto insurance rates are higher for males in our comprehensive guide.
The ZIP code where you live will also impact your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.
While you don’t have much control over many of the factors affecting your rates, you can work to reduce your rates by keeping a clean driving record and shopping around.
Another factor affecting your rates is your auto insurance company.
Rates vary drastically by company, so shopping around and comparing rates can significantly reduce your costs.Jeff Root Licensed Insurance Agent
You should also know your coverage needs, as you may not need all the insurance extras or low deductibles.
Available discounts also affect your insurance rates. You may be able to reduce your rates by bundling auto insurance with other coverages and discounts. If you find that your rates are increasing or there’s a significant lifestyle change, shop around for new quotes to ensure you’re getting the best deal.
Read More: Factors That Affect Auto Insurance Rates
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How to Find the Right Coverage For You
The cheapest type of car insurance is the state minimum liability coverage. Generally, you can save hundreds of dollars by keeping a minimum liability auto insurance policy.
However, you should get a full coverage policy if the following is true:
- Your car is still worth money. If your car is expensive and fairly new, you could face a huge loss after an accident.
- You have a lease or loan on your car. Most lease and loan agreements require you to carry comprehensive and collision insurance on your vehicle until you pay off your loan or lease.
Generally, you shouldn’t drop the optional coverages that protect your asset if you’d lose a lot of money after your car gets totaled or damaged. On the other hand, if your car gets paid off and is old enough not to be worth much after a collision, it can be beneficial to carry the bare minimum on your car to save money.
If the payments for extra coverages are worth at least 10% of your car’s total value, you can consider dropping them because, in a year or so, you’ll have paid your car’s entire value in add-on coverages.
How to Save Even More with Auto Insurance Discounts
One of the best ways to save on car insurance — in addition to shopping around and getting quotes — is through discounts. The following discounts are generally available with most insurance providers:
Common Auto Insurance Discounts
Vehicle Discounts | Driver/Customer Discounts | Personal Discounts |
---|---|---|
Active Disabling Device | Claim Free | Emergency Deployment |
Adaptive Cruise Control | Continuous Coverage | Family Legacy |
Adaptive Headlights | Defensive Driver | Family Plan |
Anti-Lock Brakes | Driver's Education | Federal Employee |
Audible Alarm | Driving Device/App | Further Education |
Automatic Braking | Early Signing | Good Student |
Blind Spot Warning | Full Payment | Homeowner |
Daytime Running Lights | Good Credit | Life Insurance |
Economy Vehicle | Loyalty | Married |
Electronic Stability Control | Multiple Policies | Membership/Group |
Farm/Ranch Vehicle | Multiple Vehicles | Military |
Forward Collision Warning | New Customer/New Plan | New Address |
Garaging/Storing | Occasional Operator | New Graduate |
Green/Hybrid Vehicle | Online Shopper | Non-Smoker/Non-Drinker |
Lane Departure Warning | On-Time Payments | Occupation |
Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
Passive Restraint | Paperless Documents | Stable Residence |
Utility Vehicle | Roadside Assistance | Student Away |
Vehicle Recovery | Safe Driver | Student or Alumni |
VIN Etching | Seat Belt Use | Volunteer |
Generally, you can discover eligible discounts at an insurance company when getting a quote. However, other discounts, such as a safe driving program discount, may not appear in your quoted price. Taking advantage of these discounts after signing up with a company can help reduce your rates down the road.
To learn more about how to qualify for these discounts and how much you could save, see our article auto insurance discounts. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Frequently Asked Questions
How can I find cheap auto insurance?
The best way to find cheap insurance is to get quotes from multiple companies in your area. Rates depend on various factors such as location, driving history, credit score, and more, so some insurance companies may be cheaper for certain drivers than others.
Should I get the cheapest car insurance?
When it comes to auto insurance, opting for the cheapest, liability-only coverage may seem attractive from a cost perspective. However, it’s essential to consider your specific circumstances and insurance needs.
While choosing the cheapest, liability-only auto insurance might save you money upfront, it comes with potential risks. Carefully assess your financial situation, vehicle value, and driving habits to determine the right level of coverage for your needs. Striking the right balance between cost and protection is key when selecting your auto insurance policy. To learn more, read our article, “How much car insurance do I need?”
Which company is the cheapest for auto insurance overall?
The cheapest car insurance company, on average, is Geico. However, there are many different factors that determine the cost of car insurance. While Geico may be the cheapest option for most drivers, we suggest comparing quotes from multiple companies to ensure you are getting the best deal possible.
Do auto insurance rates vary by state?
Yes, auto insurance rates can vary widely between states. Factors such as state regulations, traffic patterns, and local risks influence insurance rates. It’s important to consider the specific rates and insurance companies available in your state when comparing prices.
What factors affect auto insurance rates?
Auto insurance rates are influenced by factors such as driving record, location, age, type of vehicle, credit score, and coverage needs. While you may not have control over all these factors, maintaining a clean driving record and shopping around for quotes can help reduce your rates.
What are the cheapest auto insurance companies?
Erie, AAA, and Auto-Owners Insurance are the cheapest auto insurance companies. Rates may vary depending on location, driving history, and other factors.
What is the cheapest auto insurance for seniors?
Geico offers the cheapest auto insurance for seniors. Other affordable auto insurance companies may include USAA (available to military members and their families), Nationwide, and State Farm.
What is the cheapest full-coverage auto insurance?
The cheapest full-coverage auto insurance is USAA, followed by Geico and Progressive. We have explored this more in our cheap full-coverage auto insurance guide.
What is the cheapest liability auto insurance?
USAA offers the cheapest liability-only car insurance with average rates of $22 per month. Other affordable options include Erie and Geico.
What are some ways to get cheaper auto insurance?
There are several ways to get low auto insurance rates:
- Maintain a Good Driving Record: Insurance companies often offer discounts for drivers with no accidents or traffic violations.
- Increase Your Deductible: A higher deductible means you pay more out-of-pocket in case of an accident, but it can also lower your monthly premium.
- Bundle Policies: Many insurance companies offer discounts for bundling multiple types of insurance, such as auto and home insurance.
- Look for Discounts: Some insurance companies offer discounts for things like good grades (for student drivers), being a member of certain organizations, or having certain safety features on your car.
Remember, the key to finding affordable auto insurance is being proactive and informed about your options.
What is the best and cheapest auto insurance company?
The best and cheapest auto insurance are Erie, AAA, Auto-Owners, USAA, and Geico. When shopping for cheap auto insurance, compare rates and coverage from multiple companies to find the best option. You can get cheap auto insurance quotes online using free comparison tools or contacting insurance agents directly. Find out how to get free online auto insurance quotes in our article.
Which states have the cheapest auto insurance rates?
According to recent data, Tennessee, has some of the cheapest auto insurance rates in the country, with an average monthly cost of around $22 for residents. Other states with relatively low auto insurance rates include South Dakota, Vermont, North Carolina, and Maine.
What is the cheapest auto insurance in Michigan?
The cheapest auto insurance in Michigan is Progressive; however, Michigan is the most expensive state for auto insurance. You can save money on your auto insurance by taking advantage of discounts, bundling policies, and maintaining a good driving record.
Where can I get cheap auto insurance?
You can get cheap auto insurance from various insurance companies, such as Erie, AAA, and Auto-Owners insurance companies.
Which is the most affordable auto insurance in Tennessee?
Tennessee Farmers Mutual, Geico, and Travelers offer some of the most affordable auto insurance rates in Tennessee. Rates start at around $24 per month for minimum coverage.
Who is cheaper, Geico or Progressive?
While Geico’s rates may be lower overall, Progressive tends to offer better prices for high-risk drivers. If you have a recent DUI, at-fault accident, or speeding ticket on your driving record, you may be able to find a more affordable option with Progressive.
Need the cheapest car insurance possible? Enter your ZIP code below into our free comparison tool to find the most affordable rates for your vehicle.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
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