Home Car insurance Car insurance rates Cheap car insurance buying guide: How to get affordable coverage Cheap car insurance buying guide: How to get affordable coverage Finding the cheapest insurance can make a significant difference to your budget. Learn how to get the best rates available and which companies offer affordable rates for your situation. View Carriers Please enter valid zip Compare top carriers in your area Written by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: October 25, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance is a major expense for most drivers. Although every driver has a unique situation that impacts their insurance premiums, some insurers consistently offer lower rates than others. Nationwide, Travelers, and Geico are a few companies that regularly offer attractive rates to drivers. Getting affordable car insurance doesn’t have to be complicated if you know what steps to take. Whether you’re shopping for a new policy or trying to lower your current premium, there are several strategies to help you save. Start by comparing quotes from multiple insurance companies, as rates can vary significantly. Next, look for discounts, such as those for safe driving, bundling policies or good students. Adjusting your coverage levels and raising your deductible can also lower your premium. Read on to learn how to secure cheap car insurance without sacrificing the protection you need. Key Takeaways Where you live can make a difference in your auto insurance premiums. Drivers should shop for the best coverage at least once per year; shopping every six months is even better. The lowest-cost option may not always be the best solution; consumers should consider value for the price. Cheapest car insurance companies Some insurers tend to offer cheaper car insurance rates than others. As you explore your car insurance options, keep these relatively affordable car insurance companies in mind. The table below highlights the average annual rates by company. CompanyState minimum average annual premiumLiability-only (50/100/50) average annual premiumFull coverage average annual premium (100/300/100, $500 deductibles)Nationwide$532$651$1,548Travelers$518$646$1,606Geico$405$560$1,763State Farm$502$651$1,984Progressive$549$709$1,998Farmers$701$991$2,387Allstate$700$854$2,509USAA$335$435$1,381 Note: USAA is only available to military community members and their families. Cheapest car insurance companies by state The state you live in has a dramatic impact on your car insurance costs. In each state, some insurers tend to offer more affordable rates than others. The table below highlights the cheapest insurance companies by state. State Company Average annual rates AlaskaGeico$1,338AlaskaState Farm$1,713AlaskaProgressive$1,742AlaskaWestern National Insurance$1,984AlaskaAllstate$2,114AlaskaUSAA$1,166AlabamaNationwide$1,345AlabamaTravelers$1,428AlabamaGeico$1,625AlabamaCountry Financial$1,694AlabamaState Farm$1,790AlabamaAuto-Owners$2,134AlabamaAllstate$2,178AlabamaProgressive$2,402AlabamaFarmers$2,542AlabamaUSAA$1,458ArkansasTravelers$1,442ArkansasNationwide$1,503ArkansasShelter Insurance$1,690ArkansasGeico$1,794ArkansasSouthern Farm Bureau$1,926ArkansasState Farm$2,060ArkansasFarmers$2,248ArkansasProgressive$2,431ArkansasAllstate$2,729ArkansasAlfa Insurance$3,225ArkansasUSAA$1,090ArizonaGeico$1,312ArizonaTravelers$1,489ArizonaAuto-Owners$1,539ArizonaNationwide$1,726ArizonaProgressive$1,903ArizonaAllstate$2,215ArizonaState Farm$2,233ArizonaFarmers$2,331ArizonaUSAA$1,581CaliforniaGeico$1,919CaliforniaMercury Insurance$2,031CaliforniaProgressive$2,179CaliforniaKemper$2,429CaliforniaTravelers$2,460CaliforniaAuto Club Enterprises (AAA)$2,466CaliforniaCSAA Insurance (AAA)$2,600CaliforniaAllstate$2,627CaliforniaState Farm$2,701CaliforniaNationwide$2,799CaliforniaFarmers$3,035CaliforniaUSAA$1,827ColoradoGeico$1,445ColoradoSouthern Farm Bureau$1,780ColoradoKemper$1,878ColoradoState Farm$1,950ColoradoAllstate$2,774ColoradoProgressive$2,796ColoradoAuto-Owners$2,874ColoradoFarmers$3,578ColoradoAcuity Insurance$3,769ColoradoUSAA$1,559ConnecticutGeico$1,242ConnecticutKemper$1,571ConnecticutProgressive$1,708ConnecticutState Farm$1,733ConnecticutNationwide$1,766ConnecticutFarmers$2,192ConnecticutAllstate$2,195ConnecticutAmica$2,516ConnecticutUSAA$606Washington, D.C.Geico$1,408Washington, D.C.Progressive$1,488Washington, D.C.Erie Insurance$1,581Washington, D.C.State Farm$2,426Washington, D.C.Nationwide$2,558Washington, D.C.Chubb$2,799Washington, D.C.Allstate$3,769Washington, D.C.USAA$1,230DelawareNationwide$1,498DelawareTravelers$1,595DelawareGeico$1,695DelawareProgressive$1,999DelawareState Farm$2,153DelawareDonegal Insurance$2,673DelawareAmerican Family$2,709DelawareAllstate$3,631DelawareSentry Insurance$4,066DelawareUSAA$1,463FloridaState Farm$2,119FloridaNationwide$2,150FloridaGeico$2,214FloridaTravelers$2,356FloridaUAIC$2,796FloridaProgressive$2,902FloridaNational General$3,103FloridaFarmers$3,261FloridaMercury Insurance$3,358FloridaAllstate$3,569GeorgiaAuto-Owners$1,529GeorgiaProgressive$1,656GeorgiaCentral Insurance$1,706GeorgiaCountry Financial$1,880GeorgiaAllstate$2,014GeorgiaGeico$2,072GeorgiaMercury Insurance$2,219GeorgiaState Farm$2,344GeorgiaSafeway Insurance$2,812GeorgiaUSAA$1,562HawaiiGeico$1,184HawaiiProgressive$1,279HawaiiFarmers$1,495HawaiiIsland Insurance$1,771HawaiiAllstate$1,882HawaiiState Farm$1,938HawaiiUSAA$1,067IowaTravelers$1,238IowaState Farm$1,306IowaWest Bend Insurance Company$1,311IowaAuto-Owners$1,461IowaProgressive$1,589IowaIMT Insurance$1,634IowaGeico$1,716IowaIowa Farm Bureau$1,796IowaAllstate$2,126IowaGrinnell Mutual$2,591IowaUSAA$1,165IdahoAuto-Owners$916IdahoState Farm$1,120IdahoGeico$1,174IdahoTravelers$1,263IdahoNationwide$1,505IdahoFarmers$1,606IdahoIdaho Farm Bureau$1,652IdahoAllstate$1,945IdahoSentry Insurance$2,352IdahoUSAA$742IllinoisAuto Club Group – ACG (AAA)$979IllinoisTravelers$1,119IllinoisGeico$1,178IllinoisProgressive$1,412IllinoisAuto-Owners$1,426IllinoisErie Insurance$1,489IllinoisCountry Financial$1,609IllinoisState Farm$1,633IllinoisAllstate$2,742IllinoisUSAA$1,745IndianaGeico$986IndianaAuto-Owners$1,188IndianaTravelers$1,264IndianaNationwide$1,309IndianaProgressive$1,480IndianaIndiana Farmers Insurance$1,604IndianaState Farm$1,616IndianaFarmers$1,956IndianaIndiana Farm Bureau$2,153IndianaAllstate$2,324IndianaUSAA$783KansasNationwide$1,316KansasTravelers$1,601KansasGeico$1,622KansasProgressive$1,937KansasState Farm$1,976KansasFarmers$1,992KansasShelter Insurance$2,230KansasIowa Farm Bureau$2,289KansasAllstate$2,968KansasUSAA$1,151KentuckyTravelers$1,804KentuckyAuto-Owners$1,911KentuckyShelter Insurance$1,917KentuckyGeico$2,106KentuckyKentucky Farm Bureau$2,113KentuckyProgressive$2,714KentuckyState Farm$2,753KentuckyAllstate$3,127KentuckyFarmers$3,548KentuckyUSAA$1,820LouisianaSouthern Farm Bureau$2,121LouisianaGeico$2,983LouisianaFarmers$3,002LouisianaProgressive$3,065LouisianaLouisiana Farm Bureau$3,122LouisianaSafeway Insurance$3,191LouisianaAuto Club Enterprises (AAA)$3,473LouisianaState Farm$3,570LouisianaUSAA$1,973MassachusettsState Farm$689MassachusettsGeico$1,269MassachusettsPlymouth Rock Assurance$1,409MassachusettsSafety Insurance$1,517MassachusettsArbella Insurance$1,708MassachusettsFarmers$1,966MassachusettsProgressive$2,016MassachusettsAmica$2,052MassachusettsTravelers$2,274MassachusettsAllstate$2,694MassachusettsUSAA$1,442MarylandGeico$1,262MarylandNationwide$1,363MarylandTravelers$1,523MarylandKemper$1,603MarylandErie Insurance$1,685MarylandProgressive$1,895MarylandPenn National Insurance$1,911MarylandState Farm$2,177MarylandAllstate$3,108MarylandUSAA$1,043MaineAuto-Owners$707MaineTravelers$853MaineProgressive$1,106MaineAllstate$1,147MaineGeico$1,228MaineState Farm$1,262MaineMMG Insurance$1,461MaineFrankenmuth Insurance$1,492MaineFarmers$1,664MaineUSAA$827MichiganGeico$1,553MichiganTravelers$1,817MichiganProgressive$2,069MichiganAuto-Owners$2,085MichiganAuto Club Group – ACG (AAA)$2,537MichiganPioneer State Mutual$2,662MichiganFrankenmuth Insurance$2,851MichiganMichigan Farm Bureau$2,948MichiganState Farm$3,698MichiganUSAA$1,514MinnesotaNationwide$1,363MinnesotaState Farm$1,525MinnesotaTravelers$1,618MinnesotaAuto Club Group – ACG (AAA)$1,636MinnesotaAuto-Owners$1,693MinnesotaNorth Star Mutual$2,257MinnesotaAllstate$2,388MinnesotaGeico$2,495MinnesotaWestern National Insurance$2,769MinnesotaUSAA$1,382MissouriNationwide$1,361MissouriTravelers$1,515MissouriMissouri Farm Bureau$1,845MissouriShelter Insurance$1,906MissouriProgressive$1,960MissouriState Farm$2,072MissouriAuto Club Enterprises (AAA)$2,346MissouriAllstate$2,852MissouriGeico$3,217MissouriUSAA$1,086MississippiNationwide$1,331MississippiTravelers$1,636MississippiState Farm$1,797MississippiSouthern Farm Bureau$1,933MississippiProgressive$2,131MississippiGeico$2,210MississippiShelter Insurance$2,469MississippiAllstate$2,527MississippiSafeway Insurance$2,946MississippiUSAA$1,320MontanaNationwide$1,394MontanaState Farm$1,858MontanaGeico$2,382MontanaProgressive$2,414MontanaKemper$2,692MontanaFarmers$2,939MontanaAllstate$2,949MontanaUSAA$919North CarolinaErie Insurance$1,082North CarolinaState Farm$1,180North CarolinaNorth Carolina Farm Bureau$1,217North CarolinaNationwide$1,513North CarolinaGeico$1,617North CarolinaPenn National Insurance$1,872North CarolinaFarmers$2,028North CarolinaProgressive$2,028North CarolinaUtica National Insurance Group$2,070North CarolinaAllstate$2,994North DakotaAmerican Family$1,092North DakotaNationwide$1,152North DakotaProgressive$1,403North DakotaAuto-Owners$1,717North DakotaState Farm$1,738North DakotaGeico$1,773North DakotaNorth Star Mutual$1,959North DakotaFarmers$2,077North DakotaNodak Insurance$2,233North DakotaAllstate$2,339North DakotaUSAA$826NebraskaAuto-Owners$1,193NebraskaNationwide$1,216NebraskaShelter Insurance$1,647NebraskaFarmers Mutual of Nebraska$1,910NebraskaProgressive$1,964NebraskaState Farm$2,344NebraskaGeico$2,372NebraskaIowa Farm Bureau$2,430NebraskaAllstate$2,621NebraskaUSAA$1,328New HampshireAuto-Owners$803New HampshireThe Hanover$1,027New HampshireMMG Insurance$1,038New HampshireNationwide$1,145New HampshireState Farm$1,155New HampshireGeico$1,212New HampshireProgressive$1,343New HampshireFarmers$1,954New HampshireAllstate$2,123New HampshireUSAA$852New JerseyNJM$1,318New JerseyGeico$1,563New JerseyTravelers$1,706New JerseyPlymouth Rock Assurance$1,737New JerseySelective Insurance$1,908New JerseyState Farm$2,153New JerseyProgressive$2,187New JerseyFarmers$2,254New JerseyAllstate$2,294New MexicoGeico$1,406New MexicoCentral Insurance$1,517New MexicoProgressive$1,557New MexicoState Farm$1,669New MexicoNationwide$1,806New MexicoFarmers$2,740New MexicoAllstate$2,834New MexicoIowa Farm Bureau$2,912New MexicoKemper$3,268New MexicoUSAA$1,054NevadaState Farm$1,443NevadaGeico$1,708NevadaTravelers$1,995NevadaMercury Insurance$2,156NevadaFarmers$2,328NevadaAmerican Family$2,429NevadaProgressive$2,482NevadaAllstate$2,614NevadaCSAA Insurance (AAA)$3,651NevadaUSAA$1,672New YorkProgressive$1,020New YorkNYCM Insurance$1,300New YorkGeico$1,736New YorkErie Insurance$1,814New YorkState Farm$1,951New YorkAllstate$2,056New YorkThe Hanover$2,262New YorkTravelers$2,677New YorkChubb$2,942New YorkUSAA$1,557OhioGrange Insurance$986OhioAuto-Owners$1,109OhioErie Insurance$1,132OhioTravelers$1,336OhioGeico$1,373OhioCincinnati Insurance$1,624OhioProgressive$1,626OhioWestfield Insurance$1,673OhioFarmers$1,794OhioAllstate$1,942OhioUSAA$994OklahomaProgressive$1,194OklahomaGeico$1,820OklahomaState Farm$1,861OklahomaShelter Insurance$2,055OklahomaAFR Insurance$2,063OklahomaMercury Insurance$2,237OklahomaAllstate$2,699OklahomaFarmers$2,717OklahomaOklahoma Farm Bureau$3,295OklahomaUSAA$1,447OregonOregon Mutual Insurance$1,147OregonTravelers$1,318OregonNationwide$1,411OregonState Farm$1,502OregonCountry Financial$1,527OregonGeico$1,683OregonProgressive$1,765OregonFarmers$2,210OregonAllstate$2,945OregonUSAA$1,277PennsylvaniaTravelers$952PennsylvaniaNationwide$1,196PennsylvaniaErie Insurance$1,550PennsylvaniaWestfield Insurance$1,872PennsylvaniaDonegal Insurance$1,913PennsylvaniaProgressive$2,193PennsylvaniaGeico$2,308PennsylvaniaState Farm$2,473PennsylvaniaAllstate$2,503PennsylvaniaUSAA$1,806Rhode IslandState Farm$1,319Rhode IslandAmerican Family$1,833Rhode IslandProgressive$1,841Rhode IslandNationwide$1,911Rhode IslandTravelers$1,946Rhode IslandAmica$2,206Rhode IslandGeico$2,292Rhode IslandAllstate$2,993Rhode IslandFarmers$3,336Rhode IslandUSAA$1,147South CarolinaAuto-Owners$1,475South CarolinaProgressive$1,816South CarolinaTravelers$1,949South CarolinaGeico$2,054South CarolinaState Farm$2,106South CarolinaSouthern Farm Bureau$2,202South CarolinaAllstate$2,336South CarolinaSentry Insurance$3,681South CarolinaUSAA$1,451South DakotaNationwide$1,526South DakotaFarmers Mutual of Nebraska$1,989South DakotaAllstate$2,070South DakotaState Farm$2,096South DakotaFarmers$2,207South DakotaGeico$2,384South DakotaAuto-Owners$2,566South DakotaIowa Farm Bureau$2,736South DakotaNorth Star Mutual$2,744South DakotaProgressive$3,163South DakotaUSAA$1,780TennesseeFarm Bureau Insurance of Tennessee$1,355TennesseeTravelers$1,395TennesseeProgressive$1,550TennesseeGeico$1,565TennesseeErie Insurance$1,598TennesseeNationwide$1,632TennesseeState Farm$1,677TennesseeFarmers$1,770TennesseeAllstate$3,032TennesseeUSAA$1,194TexasTexas Farm Bureau$1,301TexasNationwide$1,502TexasGeico$1,644TexasRedpoint Insurance$1,681TexasState Farm$1,956TexasAuto Club Enterprises (AAA)$1,983TexasAllstate$2,941TexasProgressive$3,032TexasFarmers$4,127TexasUSAA$1,812UtahNationwide$1,135UtahGeico$1,325UtahAuto-Owners$1,393UtahProgressive$1,845UtahUnited Insurance Co$2,071UtahIowa Farm Bureau$2,154UtahState Farm$2,175UtahAllstate$2,279UtahFarmers$2,638UtahUSAA$1,237VirginiaVirginia Farm Bureau$1,167VirginiaTravelers$1,169VirginiaErie Insurance$1,288VirginiaGeico$1,382VirginiaAuto-Owners$1,405VirginiaState Farm$1,479VirginiaAllstate$2,021VirginiaProgressive$2,120VirginiaUSAA$1,192VermontProgressive$926VermontNationwide$935VermontAuto-Owners$992VermontState Farm$1,139VermontGeico$1,276VermontVermont Mutual$1,413VermontCo-operative Insurance Companies$1,640VermontAllstate$1,733VermontFarmers$2,333VermontUSAA$803WashingtonGeico$1,171WashingtonPEMCO$1,326WashingtonTravelers$1,503WashingtonNationwide$1,658WashingtonFarmers$1,714WashingtonAmerican Family$1,750WashingtonAllstate$1,766WashingtonState Farm$1,794WashingtonProgressive$2,554WashingtonUSAA$853WisconsinTravelers$1,089WisconsinGeico$1,195WisconsinNationwide$1,287WisconsinErie Insurance$1,313WisconsinWest Bend Insurance Company$1,373WisconsinAcuity Insurance$1,933WisconsinProgressive$2,128WisconsinFarmers$2,139WisconsinState Farm$2,378WisconsinAllstate$2,515WisconsinUSAA$984West VirginiaNationwide$1,215West VirginiaState Farm$1,691West VirginiaErie Insurance$1,709West VirginiaProgressive$1,825West VirginiaWestfield Insurance$2,111West VirginiaGeico$2,248West VirginiaFarmers$2,442West VirginiaEncova Insurance$2,933West VirginiaAllstate$3,132West VirginiaUSAA$1,189WyomingAmerican National$827WyomingState Farm$1,521WyomingFarmers$1,623WyomingGeico$2,514WyomingAllstate$2,831WyomingUSAA$1,230 Cheapest car insurance companies by driving record Car insurance companies consider a range of factors when determining your auto insurance premiums, including your driving record. Generally, drivers with a clean record enjoy lower rates. We take a closer look at how different violations impact rates below. Cheap car insurance companies for speeding tickets Drivers with a speeding ticket tend to see higher car insurance costs. But some insurers still offer relatively affordable rates. State Farm, Nationwide, and Travelers each offer relatively cheap rates to drivers with speeding tickets. Use the table below to explore other cheap companies. CompanyAverage annual premium before a speeding ticketAverage annual premium after a speeding ticketState Farm$1,984$2,321Nationwide$1,548$2,353Travelers$1,606$2,409Progressive$1,998$2,657Geico$1,763$2,838Allstate$2,509$2,961Farmers$2,387$3,342USAA$1,381$1,685 Note: USAA is only available to military community members and their families. Which insurance companies offer cheap rates after a DUI conviction? A DUI conviction is a serious driving offense, which leads to a significant rate spike. State Farm, Progressive, and Travelers each offer relatively cheap rates to drivers with DUIs. Use the table below to explore other cheap companies. CompanyAverage annual premium before a DUIAverage annual premium after a DUIProgressive$1,998$2,697Travelers$1,606$3,003State Farm$1,984$3,174Nationwide$1,548$3,622Geico$1,763$4,496Allstate$2,509$4,893Farmers$2,387$5,132USAA$1,381$2,790 Note: USAA is only available to military community members and their families. Insurance companies that offer cheap rates after an at-fault accident After an at-fault accident, you should expect your insurance costs to rise. State Farm, Nationwide, and Travelers each offer relatively cheap rates to drivers with at-fault accidents. Use the table below to explore other cheap companies. CompanyAverage annual premium before an accidentAverage annual premium after an accidentState Farm$1,984$2,438Travelers$1,606$2,509Nationwide$1,548$2,564Progressive$1,998$3,116Geico$1,763$3,207Farmers$2,387$3,992Allstate$2,509$4,149USAA$1,381$2,091 Note: USAA is only available to military community members and their families. QuickTake Car insurance rates by state in 2024 Factors that affect your car insurance rates in 2024 Car insurance for women: Average rates in 2024 Most and least expensive trucks to insure in 2024 Determining which drivers should be listed on your car insurance policy How much does car insurance cost a month in 2024? The most expensive and cheapest cars to insure in 2024 Car insurance rates by ZIP code (2024) Average car insurance rates by age and gender Car insurance basics: What is car insurance? How does mileage affect car insurance rates in 2024? Compare and shop auto insurance Average car insurance cost in 2024 How to buy cheap car insurance for a new car Car insurance estimate by model 2023 Car insurance for leased cars: A comprehensive guide Why you must insure all the cars you own Auto insurance quotes comparison - How and why you should compare car insurance rates? Cheap thrills: 7 cars with high horsepower, reasonable insurance Most and least expensive convertibles to insure Popular cars that are cheap to insure 5 luxury sedans with low insurance costs Insuring 2015's cheapest cars The least expensive small SUVs to insure Baby you're much too fast: Speedy cars with the cheapest insurance The least expensive 2011 hybrids to insure See more > Expert tips for buying affordable car insurance While a list of cheap car insurance companies is helpful, it’s a jumping-off point to comparison shop by getting quotes from various auto insurers. Your rates will differ due to your own personal rating factors — such as your age, vehicle, and driving record. Here’s how to get cheap car insurance rates: Shop around: When your auto insurance policy is up for renewal (or any time), shop around to find the best rates. Keep a clean driving record. Insurers offer better rates to drivers without any incidents on their record because accidents and speeding tickets represent a risk. Keep continual auto insurance coverage. A gap in coverage represents a red flag to insurers and will take away your chance to get the cheapest car insurance rates. If you go without a car for a period of time, opt for a non-owners auto policy during that time. Maintain excellent credit. Most states allow insurers to use your credit as a rating factor and charge higher rates to those with bad credit. If your credit score is not good, work to improve it and keep shopping for affordable auto insurance; rates should fall as your credit improves. Raise your deductibles. Set your collision and comprehensive deductibles at a higher rate — but still one you can afford. A higher deductible will keep your car insurance costs lower. Get all the discounts you can. Scour your insurer’s website and ask if you see a discount you believe you should receive. Checklist: What to look for when shopping for cheap car insurance As you seek out the cheapest car insurance for your situation, use the following checklist. Consider your insurance needs. Start by determining what level of coverage you need. Although a policy with your state’s minimum coverage limits likely offers the cheapest rates, it might not offer enough coverage for your situation. Determine the right deductible. Generally, a higher deductible leads to lower insurance premiums. If you have the savings on hand to cover a higher deductible, consider tapping into the savings. Shop around. With an idea of what type of policy you want, compare costs across different insurance companies. You might be surprised to find a range of rates for your situation. Look for discounts. Most insurers offer some discounts. Ask if you qualify for any discounts before committing to a policy. Frequently asked questions What’s the best way to compare car insurance rates? Get quotes from multiple insurance companies to compare rates effectively. Generally, it’s easiest to use a tool, like the one available through Insure, to gather quotes from multiple companies quickly. How often should I shop around for new car insurance rates? It’s a good idea to shop around for new car insurance rates at least once per year. Is there any disadvantage to choosing the cheapest insurance? Although the cheapest insurance policy might suit your budget, it might not offer enough financial protection. Make sure to get the coverage you need in a policy. How to get the best deal on car insurance “To find the cheapest car insurance, start by maintaining a good driving record, which is crucial as accidents or violations can significantly increase premiums. Also, consider increasing your deductible and bundling auto with another policy for potential savings,” says Christian Strange, owner of Strange Insurance Agency. “Beyond cost, check the insurer’s reliability in claims handling. I’ve seen cases where cheaper policies led to frustrations due to poor service,” he says. “To truly safeguard your interests, understand the policy’s details, especially the liability limits. This ensures you’re covered against significant financial loss.” Resources & Methodology Sources: Insurance Information Institute. “What determines the price of my auto insurance policy?” Accessed October 2024. Methodology The rates are based on the sample profile of a 40-year-old male and female driver for different coverage limits. Full coverage policy with limits 100/300/100 and a $500 coll/comp deductible. A liability-only policy with limits 50/100/50. Minimum liability policy with state-specific limits. We have gathered data based on different driving profiles, including- Teen drivers (Age: 16-19) Senior drivers (Age: 65-75) Drivers with a DUI Drivers with a speeding ticket Drivers with an at-fault accident on their record. Laura LongeroExecutive Editor | . .Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheapest car insurance companiesCheapest car insurance companies by stateCheapest car insurance companies by driving recordExpert tips for buying affordable car insuranceChecklist: What to look for when shopping for cheap car insuranceFrequently asked questionsResources & Methodology ZIP Code Please enter valid ZIP See rates