+120 more*These quotes are from Compare.com users within the last 10 days. Updated on October 3, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on October 3, 2026
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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
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Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
Updated
Country Financial has the cheapest overall auto premiums in the U.S., with an average monthly rate of just $47 per month. That’s much cheaper than the $135 per month the average driver pays.
But that doesn’t mean Country Financial is the cheapest option for everyone. Several insurers stand out as the cheapest in some categories. And because each insurance company uses its own formula for setting rates, the cheapest on average may not be the cheapest for you. That’s why it’s important to shop around for multiple quotes before purchasing your next policy.
Country Financial has the cheapest average premiums in the U.S., followed by Auto-Owners and NJM, with monthly rates as low as $47.
Country Financial offers the cheapest average rates for teen drivers.
Country Financial often has the most affordable rates for high-risk drivers, including people with a DUI conviction.
Country Financial offers the cheapest car insurance in the U.S., with average rates of $47 per month. Auto-Owners and NJM also offer some of the best average rates in the country.
We rounded up the cheapest overall car insurance companies this year, which you can find in the table below.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $47 |
| Auto-Owners | $49 |
| NJM | $49 |
| USAA | $53 |
| State Farm | $54 |
| Erie | $68 |
| Mile Auto | $75 |
| Progressive | $78 |
| GEICO | $81 |
| American Family | $84 |
| Commonwealth Casualty | $85 |
| Safeco | $85 |
| The General | $87 |
| National General | $90 |
| Direct Auto | $92 |
| Allstate | $93 |
| Mercury | $97 |
| GAINSCO | $98 |
| Travelers | $100 |
| Dairyland | $102 |
| Elephant | $105 |
| AssuranceAmerica | $107 |
| Bristol West | $109 |
| Farmers | $109 |
| Root | $112 |
| Anchor | $115 |
| Clearcover | $117 |
| Plymouth Rock | $119 |
| Chubb | $122 |
| Liberty Mutual | $129 |
| The Hartford | $135 |
| Shelter | $136 |
| 21st Century | $139 |
| State Auto | $157 |
| CSAA | $164 |
| Amica | $232 |
Of course, these are just average rates. The companies on our list may not be the cheapest for you based on your unique situation. As you’ll learn in later sections, the cheapest company for you is likely to vary based on your age, driving history, credit score, location, and more.
But first, let’s dive into a little more detail on a few of the most noteworthy companies on this list.
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|---|---|---|---|---|
Average Premium $122/mo* | Average Premium $69/mo* | Average Premium $77/mo* | Average Premium $78/mo* | Average Premium $124/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight Outstanding serviceAI-generated from 25 user reviews | Special Highlight Rock-bottom ratesAI-generated from 14 user reviews | Special Highlight Affordability + serviceAI-generated from 217 user reviews | Special Highlight Highest ratedAI-generated from 1061 user reviews | Special Highlight Customizable coverageAI-generated from 599 user reviews |
Compare personalized quotes from America’s cheapest insurers.
If you’re in the market for car insurance, you want a policy that offers the protection you need while still coming at an affordable cost. No matter your age, driving record, credit history, or anything else, shopping around can help you find the best rate for your unique situation.
The table below features a snapshot of the cheapest insurers for several different driver categories. We’ll go into more detail on each in the sections below.
Category | Company | Average Monthly Rate |
|---|---|---|
| Overall | Country Financial | $47 |
| Teens | Country Financial | $61 |
| Seniors | Country Financial | $34 |
| Drivers with a speeding ticket | Country Financial | $67 |
| Drivers with an at-fault accident | Country Financial | $67 |
| Drivers with a DUI | Country Financial | $64 |
| Drivers with good credit | Country Financial | $44 |
| Drivers with poor credit | Country Financial | $56 |
Insurance premiums vary significantly from state to state for several reasons. Each state has its own minimum auto insurance requirements and unique insurance laws, which can affect the local insurance rates.
Other factors, like accident frequency, cost of repairs and medical care, uninsured driver rates, and more, can also affect a state’s insurance premiums.[1]
We’ve compiled a list of the cheapest car insurance companies in each state and their average liability-only premiums to help give you a starting point when shopping for your new policy.
State | Cheapest Average Monthly Rate | Cheapest Company |
|---|---|---|
| Alabama | $45 | National General |
| Alaska | $72 | State Farm |
| Arizona | $64 | Auto-Owners |
| Arkansas | $39 | State Farm |
| California | $87 | USAA |
| Colorado | $63 | State Farm |
| Connecticut | $98 | State Farm |
| Delaware | $70 | USAA |
| Florida | $100 | State Farm |
| Georgia | $92 | Auto-Owners |
| Hawaii | $60 | GEICO |
| Idaho | $30 | Auto-Owners |
| Illinois | $48 | Auto-Owners |
| Indiana | $41 | Auto-Owners |
| Iowa | $23 | State Farm |
| Kansas | $50 | State Farm |
| Kentucky | $72 | Progressive |
| Louisiana | $65 | State Farm |
| Maine | $38 | USAA |
| Maryland | $139 | USAA |
| Massachusetts | $51 | State Farm |
| Michigan | $69 | Auto-Owners |
| Minnesota | $52 | State Farm |
| Mississippi | $42 | State Farm |
| Missouri | $56 | USAA |
| Montana | $33 | State Farm |
| Nebraska | $42 | Auto-Owners |
| Nevada | $61 | Country Financial |
| New Jersey | $118 | NJM |
| New Hampshire | $118 | NJM |
| New Mexico | $48 | Progressive |
| New Jersey | $118 | NJM |
| New York | $100 | Erie |
| North Carolina | $55 | Erie |
| North Dakota | $55 | Erie |
| Ohio | $43 | State Farm |
| Oklahoma | $41 | State Farm |
| Oregon | $67 | State Farm |
| Pennsylvania | $51 | Plymouth Rock |
| Rhode Island | $87 | USAA |
| South Carolina | $72 | USAA |
| South Dakota | $34 | State Farm |
| Tennessee | $46 | State Farm |
| Texas | $62 | State Farm |
| Utah | $58 | USAA |
| Virginia | $61 | Auto-Owners |
| Vermont | $18 | State Farm |
| Washington | $62 | State Farm |
| District of Columbia | $150 | Erie |
| West Virginia | $39 | State Farm |
| Wisconsin | $29 | USAA |
| Wyoming | $27 | USAA |
Large insurers — State Farm, Progressive, GEICO, and other well-known companies — make up the vast majority of the auto insurance market. In fact, the top 10 auto insurers own more than three-quarters of the U.S. auto insurance market, according to the National Association of Insurance Commissioners.
Getting insurance through a large company has several benefits, including lower rates, more discounts and bundling opportunities, and more robust digital tools. It’s also quite easy to get quotes from online companies. Most of them allow you to do so online in just a few minutes.[2]
The table below shows the cheapest large insurance companies for full-coverage auto insurance policies. Each one offers coverage in at least 25 states, though most operate nationwide.
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $102 |
| Progressive | $134 |
| GEICO | $145 |
| Allstate | $155 |
| Travelers | $190 |
| Liberty Mutual | $204 |
| Farmers | $207 |
We’ve already talked about how Country Financial is the cheapest overall insurer in the U.S., but that doesn’t necessarily mean it’s the cheapest for everyone. After all, lots of different factors affect how much you’ll pay for car insurance.
It’s also worth noting that there’s a significant difference in premiums between different companies, even for those on the list of the cheapest insurers. Yet another reason why comparing quotes is so important.
Compare personalized quotes and compare rates from dozens of insurers.
Though most people choose to get their car insurance through a large national company, there are also some major benefits to working with a regional insurer.
For example, you’re likely to get more personalized service through a local insurance agent. Small insurance companies don’t always allow you to get online quotes, but it’s just as important to shop around to find the best rate.
Below, you can see the 10 cheapest regional insurance companies. The table includes only companies that offer policies in fewer than five states.
Company | Average Monthly Premium |
|---|---|
| NJM | $82 |
| Auto-Owners | $89 |
| Erie | $117 |
| American Family | $160 |
| Direct Auto | $166 |
| Mercury | $171 |
| Elephant | $173 |
| Root | $178 |
| Bristol West | $209 |
| CSAA | $241 |
It’s worth noting that because these are regional companies, their average rates are heavily influenced by which states they operate in. Consider researching regional insurance companies in your state to see if this type of policy might be right for you.
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No matter where you live or your personal situation, you can take steps to save money on your insurance premiums.
Shop around for coverage. The same company won’t be the cheapest for every person or situation. It’s important to shop around and get free quotes from multiple companies to compare and find the cheapest one for you.
Save with discounts. Most insurance companies offer discounts to help reduce your premiums. Common discounts help you save for driving a safe vehicle, paying your premiums up front, practicing safe driving, and more.
Bundle your policies. Insurance companies often offer discounts when you bundle your auto insurance policy with other insurance products, such as your homeowners, renters, or life insurance.
Adjust your auto coverages. It’s important to ensure you have enough coverage to protect yourself, but not so much that you’re paying more than necessary. You can adjust your coverages by either reducing your limits or dropping certain coverages.
Consider regional insurers. You may be tempted to keep your sights focused on the insurance companies you see on TV, like GEICO and Progressive. But you may not realize that hundreds of insurance companies are competing for your business, and it’s often the regional insurers that offer the best rates and customer service.
Increase your deductibles. Increasing your collision and comprehensive coverage deductibles will reduce your annual or monthly premiums. But note that if you have to file a claim, your up-front costs will be higher.
Expert’s insight
“Many of the factors that insurance companies use to determine your rates are beyond your control. Insurers consider your age, gender, location, and marital status when setting premiums. To help lower your rates, focus on the things you have more control over. For example, maintaining a clean driving record and improving your credit history can help lower your premium. Buying a car with strong safety ratings or lower theft rates can also reduce your costs.”
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Country Financial offers the cheapest minimum-liability insurance rates, at an average of $47 per month. Compare that to the national state-minimum insurance average of $101 per month.
Nearly every state in the U.S. requires you to purchase a minimum amount of liability insurance — usually bodily injury liability and property damage liability — though the required minimum coverage differs from state to state. The coverage your state requires can play an important role in how much you pay since more coverage generally results in higher rates.
Your state’s minimum liability coverage is the cheapest type of insurance policy you can buy. But it’s important to note that the lack of coverage could leave you vulnerable to a substantial financial loss following an at-fault accident. The table below rounds up the cheapest insurance companies for minimum liability policies.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $47 |
| Auto-Owners | $49 |
| NJM | $49 |
| USAA | $53 |
| State Farm | $54 |
| Erie | $68 |
| Mile Auto | $75 |
| Progressive | $78 |
| GEICO | $81 |
| American Family | $84 |
| Commonwealth Casualty | $85 |
| Safeco | $85 |
| The General | $87 |
| National General | $90 |
| Direct Auto | $92 |
| Allstate | $93 |
| Mercury | $97 |
| GAINSCO | $98 |
| Travelers | $100 |
| Dairyland | $102 |
| Elephant | $105 |
| AssuranceAmerica | $107 |
| Bristol West | $109 |
| Farmers | $109 |
| Root | $112 |
| Anchor | $115 |
| Clearcover | $117 |
| Plymouth Rock | $119 |
| Chubb | $122 |
| Liberty Mutual | $129 |
| The Hartford | $135 |
| Shelter | $136 |
| 21st Century | $139 |
| State Auto | $157 |
| CSAA | $164 |
| Amica | $232 |
Of course, the insurer that’s cheapest for you will depend heavily on where you live. Certain companies offer cheaper car insurance rates for minimum coverage in certain states.
NJM has the cheapest rates for full-coverage insurance, with average rates of just $82 per month. Compare that to the national average for full coverage of $185 per month.
While liability-only insurance is the cheapest type of policy, it doesn’t offer all the financial protection that some drivers need. After all, liability insurance only pays for damages and injuries to other parties.
Full coverage, on the other hand, offers you additional protection by including collision coverage and comprehensive coverage.
Because it includes more protection, full-coverage insurance is also more expensive — but by shopping around, you can still find affordable rates.
We’ve done some of the work for you by identifying the five cheapest companies for full-coverage insurance.
Company | Average Monthly Premium |
|---|---|
| NJM | $82 |
| Auto-Owners | $89 |
| Country Financial | $90 |
| USAA | $101 |
| State Farm | $102 |
| Erie | $117 |
| Progressive | $134 |
| Safeco | $134 |
| Mile Auto | $137 |
| GEICO | $145 |
| Allstate | $155 |
| American Family | $160 |
| Direct Auto | $166 |
| Mercury | $171 |
| Elephant | $173 |
| National General | $175 |
| Commonwealth Casualty | $178 |
| Root | $178 |
| AssuranceAmerica | $180 |
| Plymouth Rock | $181 |
| Travelers | $190 |
| Liberty Mutual | $204 |
| Clearcover | $207 |
| Farmers | $207 |
| The General | $208 |
| Bristol West | $209 |
| GAINSCO | $209 |
| Chubb | $224 |
| The Hartford | $233 |
| Shelter | $240 |
| Anchor | $241 |
| CSAA | $241 |
| Dairyland | $250 |
| 21st Century | $258 |
| State Auto | $290 |
| Amica | $397 |
Remember that there’s no set definition of full-coverage insurance. The only way to determine your full-coverage rate is to get personalized quotes based on the coverage you actually want.
Your age is one of the most important factors that affect your car insurance costs. Generally, teens and young drivers pay the highest rates due to their high risk of accidents, but those rates gradually decrease as you get older. But they typically increase again slightly once you reach your 70s.
The table below shows the average rate and the cheapest insurance company for drivers of different age groups, broken down into teens, young adults, middle-aged drivers, and seniors.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $268 | Country Financial | $61 |
| 40s | $146 | Country Financial | $43 |
| 60s | $124 | Country Financial | $34 |
In the next few sections, you can learn more about car insurance rates for various age ranges.
Car insurance is more expensive for teens than for any other age group. Teen drivers lack the experience older drivers have, and according to the Centers for Disease Control and Prevention (CDC), they’re more likely to engage in high-risk driving activities and be involved in fatal car accidents.
If you’re shopping for car insurance for a teen, there are ways to save on your premiums. For example, Country Financial is the cheapest car insurance company for teenage drivers, based on our research. The company’s average liability-only rate for teens is just$61 per month — far less than the nationwide average of $268. Teens can also save on their premiums by being added to a family policy.
Drivers in their 60s with clean driving records tend to pay the cheapest insurance premiums of any age group. These drivers have years of experience, tend to make safer decisions, and have lower-risk habits. But senior drivers may experience a slight uptick in their rates around age 70 due to an increased accident risk and a higher probability of accident-caused injuries than younger drivers.
Country Financial offers the cheapest car insurance for seniors, according to Compare.com data. This company, and others, offers a variety of discounts that could help seniors save, including safe driver discounts. Additionally, some insurers offer a discount specifically for older drivers who take defensive driver courses.
Your driving record is one of the most important factors that affect your insurance rates. And the good news is that it’s largely within your control.
Driving infractions generally stay on your driving record for between three and five years, depending on your state. But, unfortunately, during those years, your premiums can be higher.
We’ve identified the cheapest insurance companies for drivers with clean records, as well as those with various infractions on their records. As you can see, the amount your premiums will increase depends on the severity of the infraction, with DUIs generally resulting in the largest increases.
Driving Record | Statewide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $143 | Country Financial | $47 |
| Speeding ticket | $185 | Country Financial | $67 |
| At-fault accident | $192 | Country Financial | $67 |
| DUI | $204 | Country Financial | $64 |
In the following sections, you can learn more about how various driving violations are likely to affect your premiums.
Car insurance rates usually increase after you get a speeding ticket. The average rate increase after a ticket is 27% nationwide, according to Compare.com data. But the extent of your rate increase can depend on how fast you were driving, whether you have other tickets on your record, and more.
Country Financial has the cheapest liability-only rates for drivers with a speeding ticket — just $67 per month — but you should still shop around to make sure you find the company that offers you the best quote.
Insurance premiums increase by an average of 37% after an at-fault accident, according to Compare.com data. In some cases, your rates could also increase after an accident where you aren’t at fault, but it’s not as common.
Country Financial has the cheapest liability-only premiums for drivers with an at-fault accident, at $67 per month.
You may be able to save on car insurance after an accident if you have accident forgiveness on your policy. And by focusing on driving safely moving forward, you can prevent future rate increases.
A DUI is one of the most serious driving infractions you can have on your record and, as a result, can cause the most significant increase to your premiums. We found that rates increase by an average of 50% nationwide after just one DUI.
Country Financial has the cheapest liability-only premiums for drivers with DUIs on their records, with average rates coming in at just $64 per month — much less than the national average for people with a DUI conviction.
Unfortunately, shopping for insurance after a DUI can be a challenge, and you may be denied coverage by some insurers. It’s more important than ever in this situation to shop around for the best rates.
You may be surprised to learn that, among other factors, your credit history can help determine your insurance premiums.
Companies use a credit-based insurance score when determining insurance rates. This score gives a prediction of how likely you are to file a claim, but each insurer uses its own formula when calculating it. Your credit history (though not necessarily your credit score) is just one of the factors that go into your credit-based insurance score, and the better your credit history, the lower your premiums will be.
It’s worth noting that four states — California, Hawaii, Michigan, and Massachusetts — prohibit insurance companies from using credit history as a factor when setting insurance rates.[3]. If you live in one of these states, you don’t have to worry about poor credit negatively affecting your monthly bill.
In the table below, you can see the national average rates for drivers with both good and bad credit.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $34 |
| State Farm | $42 |
| Country Financial | $44 |
| USAA | $46 |
| Erie | $48 |
| GEICO | $62 |
| Mile Auto | $63 |
| American Family | $69 |
| Commonwealth Casualty | $74 |
| The General | $76 |
| Safeco | $77 |
| Mercury | $79 |
| National General | $79 |
| Direct Auto | $81 |
| Travelers | $85 |
| GAINSCO | $86 |
| Dairyland | $89 |
| Farmers | $90 |
| AssuranceAmerica | $94 |
| Elephant | $94 |
| Bristol West | $96 |
| Liberty Mutual | $98 |
| Anchor | $101 |
| Chubb | $102 |
| Plymouth Rock | $102 |
| Root | $102 |
| Clearcover | $110 |
| Shelter | $120 |
| 21st Century | $126 |
| The Hartford | $128 |
| State Auto | $131 |
| CSAA | $150 |
| Amica | $202 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $45 |
| Auto-Owners | $47 |
| USAA | $52 |
| State Farm | $53 |
| Erie | $65 |
| Mile Auto | $71 |
| GEICO | $81 |
| Commonwealth Casualty | $81 |
| Safeco | $81 |
| American Family | $82 |
| The General | $83 |
| National General | $86 |
| Direct Auto | $88 |
| GAINSCO | $93 |
| Travelers | $95 |
| Mercury | $97 |
| Dairyland | $97 |
| Elephant | $100 |
| AssuranceAmerica | $102 |
| Bristol West | $106 |
| Root | $107 |
| Farmers | $108 |
| Anchor | $110 |
| Plymouth Rock | $113 |
| Clearcover | $116 |
| Chubb | $117 |
| Liberty Mutual | $126 |
| The Hartford | $129 |
| Shelter | $130 |
| 21st Century | $137 |
| State Auto | $150 |
| CSAA | $156 |
| Amica | $221 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $46 |
| Auto-Owners | $52 |
| USAA | $54 |
| State Farm | $58 |
| Erie | $72 |
| Mile Auto | $77 |
| GEICO | $84 |
| Commonwealth Casualty | $84 |
| American Family | $87 |
| The General | $87 |
| National General | $93 |
| Safeco | $93 |
| Direct Auto | $94 |
| GAINSCO | $98 |
| Mercury | $100 |
| Dairyland | $102 |
| Travelers | $102 |
| AssuranceAmerica | $106 |
| Elephant | $108 |
| Farmers | $111 |
| Root | $112 |
| Anchor | $113 |
| Bristol West | $113 |
| Clearcover | $121 |
| Chubb | $123 |
| Plymouth Rock | $125 |
| CSAA | $134 |
| Shelter | $141 |
| Liberty Mutual | $141 |
| 21st Century | $142 |
| The Hartford | $146 |
| State Auto | $166 |
| Amica | $214 |
Company | Average Monthly Premium |
|---|---|
| Country Financial | $56 |
| USAA | $66 |
| Auto-Owners | $87 |
| GEICO | $89 |
| State Farm | $90 |
| Mile Auto | $92 |
| American Family | $99 |
| Commonwealth Casualty | $104 |
| Safeco | $104 |
| The General | $107 |
| National General | $110 |
| Travelers | $112 |
| Direct Auto | $113 |
| Erie | $114 |
| Mercury | $116 |
| GAINSCO | $120 |
| Farmers | $120 |
| Dairyland | $125 |
| Elephant | $129 |
| AssuranceAmerica | $131 |
| Bristol West | $134 |
| Root | $137 |
| Plymouth Rock | $139 |
| Anchor | $141 |
| Clearcover | $143 |
| Liberty Mutual | $147 |
| Shelter | $167 |
| 21st Century | $170 |
| The Hartford | $176 |
| State Auto | $197 |
| CSAA | $201 |
| Chubb | $238 |
| Amica | $284 |
There’s a significant difference between the average premiums for drivers with excellent credit versus those with poor credit. A poor credit history can cost you upwards of $227 per month on your insurance premiums.
Compare personalized quotes and find the best price for your unique profile.
Before shopping for cheap auto insurance, make sure to read the answers to these frequently asked questions.
Country Financial has the cheapest average insurance premiums, at just $47 per month. But the cheapest company for you will depend on your location, driving history, credit score, age, and more.
NJM has the cheapest full-coverage insurance, with an average monthly premium of just $82. Auto-Owners and Country Financial are also among the cheapest for full coverage, so it’s important to shop around.
The best way to get affordable car insurance is to maintain a clean driving record and compare quotes when your policy is about to renew.
If you show insurers you’re a safe driver, you can generally qualify for the lowest rates. But the best way to save — regardless of your driving record — is by shopping around for the best quote.
Car insurance premiums aren’t negotiable, but you can reduce your rate by making changes to your policy. For example, reducing your coverage, increasing your deductible, and taking advantage of discounts can all help you lower your rate.
Cheaper car insurance starts by shopping around to compare quotes from a few different places. You’ll find that prices vary wildly between insurers. Ask about discounts for safe driving, bundling policies, or being a good student. Sometimes raising your deductible can lower your monthly payment, too.
Generally, Allstate has cheaper car insurance than GEICO, according to prices in our quote comparisons. But how much you pay comes down to factors such as your driving record, age, and address, so check quotes from both insurers to see where you land.
If you’re in your 60s, your rates are probably some of the lowest out there. By then, you’ve got decades of driving experience under your belt, and you’re well past the teenage years that make insurers nervous.
The Subaru Crosstrek and Honda CR-V are among the cheapest reliable cars to insure, according to our data. Both vehicles have above-average reliability scores from Consumer Reports and consistently have some of the lowest insurance premiums in our quote searches.
Most U.S. states require you to have at least basic liability coverage. State-minimum coverage pays for damage you cause to other people and their property but not for your own car. If you’re making payments on your vehicle, your lender may require you to buy more coverage. And if you can’t afford to repair or replace your car yourself, you should probably consider full coverage.
Newer-model cars are loaded with computers, cameras, and high-tech parts that make even minor repairs costly. When insurers have to pay more for every claim, even the best insurance companies raise rates to cover those pricier fixes. Other factors that affect auto insurance rates include accident frequency, medical costs, the number of litigated auto insurance claims, the percentage of uninsured motorists, and vehicle theft and vandalism rates.
State Farm currently offers the lowest average car insurance rates in Colorado, according to Compare.com data. That said, it won’t be the cheapest option for everyone. The best way to find out which company has the cheapest rates for your unique profile is to compare personalized quotes from several insurers.
Auto-Owners boasts Michigan’s cheapest car insurance rates, according to Compare.com data. The insurer offers liability policies starting at around $69 per month.
Missouri’s cheapest car insurance company is currently USAA, with liability-only policies running just $56 per month on average, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
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