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Nationwide is the best cheap car insurance company of 2024. It tops our ranking of the cheapest car insurance companies because of its affordable car insurance, wide range of coverage offerings and low rate of customer complaints. While Nationwide offers the cheapest car insurance for most drivers, USAA may have cheaper rates for eligible members of the military community.

The cheapest car insurance companies of July 2024

CHEAP CAR INSURANCECHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY COST FOR A GOOD DRIVER
Nationwide
$120
USAA
$114
Travelers
$127
Erie
$137
Progressive
$152
Geico
$133

Why trust our car insurance experts

Our team of car insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach car insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage and features available, customer complaints and the collision repair process.

Using a data-driven methodology, we evaluate hundreds of auto insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.

  • 260 companies analyzed.
  • 347 rates reviewed.
  • 5 levels of fact-checking.

Find the cheapest car insurance rates

Methodology

Our team of insurance experts evaluated major car insurance companies to determine those that offer the best coverage based on average rates, coverage features, collision claims process and consumer complaints. To find the best cheap car insurance companies in 2024, we compared these top-scoring car insurance companies and gave points for the following factors.

  • Cost: 70 points. We analyzed rates from based on seven driver profiles for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage.
    • Up to 60 points were awarded for an insurer’s average rate for the following profiles: good drivers, drivers with bad credit and drivers with infractions, such as speeding tickets, accidents or DUIs, on their record.
    • Up to 10 points were awarded for an insurer’s average rate for teen and senior drivers. Drivers in these categories typically have higher rates compared to other drivers. As such, we separated from the primary driver categories, awarding points separately. Insurers with lower rates for teen and senior drivers received the most points.
  • Consumer complaints: 10 points. We collected complaint data from the National Association of Insurance Commissioners, which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
  • Car insurance coverage options and features: 15 points. Car insurance policy features can help make coverage more affordable both before and after an accident or covered incident. We evaluated car insurance policies offered by each insurer and awarded points to insurers that offered these valuable options and features:
    • 5 points for accident forgiveness.
    • 5 points for vanishing deductible.
    • 5 points for a usage-based car insurance program.
  • Collision repairs score: 5 points. Every year the CRASH Network releases an “Insurer Report Card” survey. This annual survey asks repair professionals how well a car insurance company handles claims, specifically when it comes to payment practices, repair quality and customer service. Each car insurance company receives a grade ranging from A+ to F, based on the survey results. Companies were awarded up to 5 points based on their CRASH Network score, with higher graders receiving the most points. Insurers that received a D+ or lower received 0 points.

How to find cheap car insurance

To find the cheapest car insurance available to you, compare car insurance quotes from multiple companies.

Here are the best cheap car insurance companies to get quotes from, based on driver profiles. 

Cheap car insurance for good drivers: USAA and Nationwide

USAA has the cheapest car insurance for good drivers, though only members of the military community and eligible family members qualify for auto insurance with USAA.

Drivers not eligible for coverage with USAA should get quotes from Nationwide, Travelers and Geico. Each offers some of the most affordable car insurance rates for good drivers when compared to the national average.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATELEARN MORE
$114$1,364

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CHEAP CAR INSURANCE COMPANY
AVERAGE MONTHLY RATE$114
AVERAGE ANNUAL RATE$1,364
LEARN MORE

Compare Rates Compare rates offered by participating partners

$120$1,436

Compare Rates Compare rates offered by participating partners

CHEAP CAR INSURANCE COMPANY
AVERAGE MONTHLY RATE$120
AVERAGE ANNUAL RATE$1,436
LEARN MORE

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$127$1,521

Compare Rates Compare rates offered by participating partners

CHEAP CAR INSURANCE COMPANY
AVERAGE MONTHLY RATE$127
AVERAGE ANNUAL RATE$1,521
LEARN MORE

Compare Rates Compare rates offered by participating partners

$133$1,597

Compare Rates Compare rates offered by participating partners

CHEAP CAR INSURANCE COMPANY
AVERAGE MONTHLY RATE$133
AVERAGE ANNUAL RATE$1,597
LEARN MORE

Compare Rates Compare rates offered by participating partners

Cheap car insurance for teens on a parent’s policy: Nationwide

Car insurance for teen drivers is notoriously expensive, so if you plan to add a teen to your policy, it will be a relief to learn that there are several affordable car insurance options.

Nationwide offers the cheapest average rates for adding a teen driver to a parent’s policy. USAA and Erie are also affordable options.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$235
$2,819
$252
$3,025
$268
$3,215
$322
$3,864

Cheap car insurance for young drivers: USAA and Erie

USAA has the lowest rates for many drivers, including young adults. If you’re shopping for coverage and are 18 to 25 years old, get a quote from USAA. If you’re not an eligible member of the military community, Erie has the next cheapest car insurance for young drivers.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$197
$2,368
$215
$2,575
$220
$2,638
$232
$2,781

Cheap car insurance for seniors: Nationwide

Nationwide has the best car insurance for seniors and its low rates are a leading reason. ’s average car insurance rate for seniors is just over $50 more than Nationwide’s, making it another affordable car insurance option for drivers ages 65 to 80.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$117
$1,402
$121
$1,455
$139
$1,668
$149
$1,793

Cheap car insurance for drivers with a speeding ticket: USAA and Nationwide

A speeding ticket can raise your car insurance rate, but if you shop around, the financial hit might not be as bad as you think. ’s rates for this group are great, but eligibility is limited. If you don’t qualify for USAA, consider Nationwide and Erie.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$138
$1,661
$157
$1,878
$158
$1,899
$172
$2,062

Cheap car insurance after accident with injuries: USAA and Erie

Drivers at fault for a collision that resulted in injuries should consider USAA. It has the cheapest car insurance on average for this driver profile.

If you’re not eligible for coverage through USAA, Erie and Travelers may be your best options, though it can’t hurt to get a quote from Nationwide. It also has highly competitive rates for this demographic.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$163
$1,958
$185
$2,224
$191
$2,293
$195
$2,337

Cheap car insurance after accident with property damage: USAA and Erie

If you caused an accident that resulted in property damage, consider USAA if you’re eligible for coverage. If not, Erie has the second cheapest car insurance rates. Travelers and Nationwide are also worth considering.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$168
$2,021
$177
$2,125
$185
$2,215
$192
$2,298

Cheap car insurance with a DUI: Progressive

If you have a DUI, get a car insurance quote from Progressive. It has the most affordable car insurance after a DUI based on our analysis of the best car insurance companies

Even though USAA is the next cheapest car insurance company for DUIs, its average rate is nearly $300 more than Progressive. Travelers and Erie aren’t far behind.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$192
$2,307
$217
$2,604
$218
$2,610
$222
$2,665

Cheap liability car insurance: USAA and Erie

Almost all states require liability insurance for car owners, and it’s an expensive portion of a car insurance policy. If you’re looking for cheap liability-only car insurance, consider USAA, which has the cheapest average liability-only rates among the cheapest car insurance companies. Erie is the cheapest liability insurance if you aren’t eligible for coverage through USAA.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$31
$373
$36
$437
$37
$445
Westfield
$40
$481

Cheap full coverage car insurance: USAA and Nationwide

The cheapest car insurance company for a full coverage auto insurance policy is USAA. If you don’t qualify for coverage with USAA, check out Nationwide. A full coverage car insurance policy includes the following coverages: liability, collision and comprehensive insurance.

CHEAP CAR INSURANCE COMPANYAVERAGE MONTHLY RATEAVERAGE ANNUAL RATE
$114
$1,364
$120
$1,436
$127
$1,521
$133
$1,597

Find cheap car insurance

Cheap car insurance by state

Where you live plays a major role in how much you pay for car insurance, as does the car insurance company you choose. Here’s the cheapest car insurance company in each state.

* As USAA is only available to the military community and eligible family members, we excluded it from this map and only highlighted companies that are available to the general public. 

Cheapest car insurance company by state comparison

The table below provides the cheapest car insurance companies for good drivers by state.

USAA is often the cheapest car insurance company, but since eligibility is limited to the military community, we’ve listed the cheapest car insurance company available to the general public. If you’re a USAA member, it’s always a good idea to get a quote for USAA car insurance, as you may find a lower rate.

StateCheapest car insurance company in stateCheapest car insurance company’s average annual rateAverage cost for full coverage in state
AlabamaTravelers$1,211$1,979
AlaskaGeico$1,527$1,946
ArizonaGeneral Casualty$1,220$2,022
ArkansasTravelers$1,351$2,144
CaliforniaCapital Insurance$1,735$2,825
91ӰAmerican National$1,124$2,566
ConnecticutGeico$1,289$1,892
DelawareTravelers$1,332$2,415
FloridaTravelers$2,265$3,667
GeorgiaAuto-Owners$1,628$2,056
HawaiiGeico$896$1,314
IdahoAmerican National$636$1,561
IllinoisTravelers$1,209$2,129
IndianaHastings Mutual$823$1,685
IowaHastings Mutual$657$1,600
KansasGeico$1,180$1,935
KentuckyTravelers$1,400$2,621
LouisianaSouthern Farm Bureau$2,141$3,962
MaineConcord$731$1,437
MarylandGeico$1,123$1,825
MassachusettsState Farm$900$1,909
MichiganSecura$1,127$3,087
MinnesotaNationwide$1,481$1,908
MississippiDirect General$1,400$1,920
MissouriTravelers$1,385$2,399
MontanaState Farm$1,454$2,357
NebraskaAmerican National$701$1,917
NevadaCapital Insurance$1,340$2,603
New HampshireMMG Insurance$902$1,491
New JerseyTravelers$1,366$2,061
New MexicoGeico$1,550$2,148
New YorkProgressive$1,231$2,141
North CarolinaProgressive$838$1,285
North DakotaAmerican 91Ӱ$1,221$2,228
OhioHastings Mutual$751$1,489
OklahomaOklahoma Farmers Union$1,618$3,009
OregonGeneral Casualty$1,036$1,832
PennsylvaniaTravelers$1,212$2,132
Rhode IslandState Farm$1,630$2,038
South CarolinaAmerican National$629$2,819
South DakotaKemper$1,204$2,147
TennesseeTravelers$1,257$1,748
TexasTexas Farm Bureau$1,031$2,580
UtahNationwide$1,074$2,023
VermontProgressive$837$1,071
VirginiaNational Grange Mutual$972$2,044
WashingtonPEMCO$986$1,518
West VirginiaNationwide$1,100$1,942
WisconsinRural Mutual Insurance$821$1,867
WyomingAmerican National$825$1,241