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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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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Amanda Clear is a licensed Property and Casualty insurance agent who runs her family insurance agency providing coverage in the states of Connecticut, New York, and Vermont. She specializes in providing customized insurance packages to her clients that provide the best coverage for the price that they can afford. She holds a bachelor's degree in English from Sacred Heart University in Fairfield, CT, and works as a freelance editor, proofreader, and writer outside of her insurance career.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
COUNTRY Financial has the cheapest overall auto premiums in the U.S., with an average monthly rate of just $27 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 USAA, with monthly rates as low as $27.
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.
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In the confusing world of auto insurance, one thing’s for certain: There’s no shortage of companies to choose from, and it can be a challenge to know which offers the best coverage or the lowest price.
Shopping around and comparing quotes from multiple companies can help you identify the companies with the best premiums for your unique insurance profile. But it can also be helpful to know which companies offer the most affordable average rates to drivers in a similar situation based on age, driving record, location, and other factors.
To start, we’ve rounded up the cheapest overall car insurance companies this year, which you can find in the table below.
Company  | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $27 |
| Auto-Owners | $40 |
| USAA | $51 |
| State Farm | $57 |
| Mile Auto | $65 |
| Allstate | $69 |
| NJM | $73 |
| American Family | $77 |
| CSAA | $86 |
| Safeco | $90 |
| Mercury | $93 |
| Erie | $93 |
| Nationwide | $94 |
| Commonwealth Casualty | $96 |
| Travelers | $99 |
| Root | $99 |
| Dairyland | $101 |
| Direct Auto | $102 |
| The General | $102 |
| National General | $103 |
| Progressive | $107 |
| Bristol West | $109 |
| GEICO | $110 |
| Farmers | $113 |
| GAINSCO | $122 |
| Chubb | $122 |
| Foremost | $123 |
| Metromile | $124 |
| 21st Century | $125 |
| State Auto | $130 |
| Elephant | $131 |
| Clearcover | $138 |
| AssuranceAmerica | $142 |
| Shelter | $172 |
| Liberty Mutual | $178 |
| The Hartford | $187 |
| Amica | $336 |
COUNTRY Financial offers the overall cheapest car insurance coverage, with an average monthly rate of $27. But other insurers — such as Auto-Owners and USAA — aren’t far behind.
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.
Compare personalized quotes from America’s cheapest insurers.
Average liability premium: $110 per month
Compare.com Rating: 4.65 out of 5
J.D. Power Customer Satisfaction Index: 637 out of 1,000
Better Business Bureau (BBB) rating: A+
Cheapest average rates of any company
Many available discounts
Usage-based insurance savings
Hit-or-miss customer service
Gap insurance not available
Few local agents
GEICO offers some of the cheapest car insurance policies of any insurer in America, according to Compare.com internal data, with average liability rates of just $110 per month. But the company also offers plenty of other ways for policyholders to save with discounts.
For example, GEICO offers a discount for safe drivers through its usage-based DriveEasy program. In fact, GEICO has the second-highest-rated usage-based insurance program, according to J.D. Power’s 2024 U.S. Auto Insurance Study.
Average liability premium: $57 per month
Compare.com Rating: 4.90 out of 5
J.D. Power Customer Satisfaction Index: 657 out of 1,000
BBB rating: B-
Cheap coverage for drivers with a DUI
High customer satisfaction scores
Savings for usage-based insurance
Gap insurance not available
High number of customer complaints
Fewer available discounts than many competitors
State Farm is the largest auto insurance company in the U.S. in terms of total premiums. Combine that with the company’s affordable rates and highly rated customer satisfaction across the board, and it’s hard to go wrong.
State Farm is a good insurer for just about anyone, but it’s particularly well-suited to a few specific situations. First, it has some of the cheapest average rates for drivers with DUIs. It also offers usage-based savings through its Drive Safe & Save Program, and safe drivers can save up to 30% on their premiums.
Average liability premium: $40 per month
Compare.com Rating: 4.43 out of 5
J.D. Power Customer Satisfaction Index: 654 out of 1,000
BBB rating: A+
Above-average insurance claims satisfaction
Many available coverage options
Cheapest rates for drivers with an accident
Online quotes not available
Only available in 26 states
Poor customer satisfaction in some states
Auto-Owners can be a great option if you want cheap car insurance rates and a personalized experience. Rather than shopping for insurance online, Auto-Owners has you work directly with an agent (which could be a pro or a con, depending on your preferences).
Auto-Owners offers unique insurance discounts and coverages. For example, you may be eligible for diminished value coverage, common loss deductibles, accident forgiveness, and more. And if you have an at-fault accident on your record, Auto-Owners may be your cheapest option, according to our research.
Average liability premium: $93 per month
Compare.com Rating: 4.75 out of 5
J.D. Power Customer Satisfaction Index: 700 out of 1,000
BBB rating: A+
Highly rated insurance claims satisfaction
Many available coverage options
Rate Lock program prevents premium price hikes
Only available in 13 states
Fewer available discounts than many competitors
No usage-based insurance program
In addition to having some of the cheapest insurance coverage in the U.S., Erie Insurance also has one of the best lineups of coverage options. For example, you can expand your policy with unique coverage options such as diminishing deductible, accident forgiveness, windshield repair, pet injury coverage, and more.
Another reason to choose Erie is its Rate Lock program, which prevents your rate from increasing unless you make certain changes to your policy, such as moving or changing the drivers or vehicles. You won’t even see a rate increase after a claim unless you make one of these changes.
Average liability premium: $77 per month
Compare.com Rating: 4.98 out of 5
J.D. Power Customer Satisfaction Index: 657 out of 1,000
BBB rating: A
More available discounts than most insurers
Multiple usage-based programs
High customer satisfaction scores
Only available in 19 states
Doesn’t have the cheapest rates for any category
Not as tech-savvy as some competitors
American Family isn’t quite as cheap as some of its competitors, but it has several ways customers can save money.
First, American Family has one of the largest lineups of discounts of any auto insurer. Some unique discount options include a volunteer discount and a generational discount.
American Family also makes it easy to save by having two different usage-based programs to choose from. First, as with many other companies, you can save by opting into a usage-based insurance program for safe drivers — DriveMyWay or KnowYourDrive, depending on your state. The company also has a mile-based program called MilesMyWay. As a pay-as-you-go program, this policy only requires you to pay for the miles you actually drive.
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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 score, 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 important categories. We’ll go into more detail on each in the sections below.
Category | Company | Average Monthly Rate |
|---|---|---|
| Overall | COUNTRY Financial | $27 |
| Teens | COUNTRY Financial | $34 |
| Seniors | COUNTRY Financial | $22 |
| Drivers with a speeding ticket | COUNTRY Financial | $33 |
| Drivers with an at-fault accident | COUNTRY Financial | $34 |
| Drivers with a DUI | COUNTRY Financial | $41 |
| Drivers with good credit | COUNTRY Financial | $24 |
| Drivers with poor credit | COUNTRY Financial | $32 |
Large insurers — GEICO, State Farm, Progressive, and other well-known companies — make up the vast majority of the auto insurance market. In fact, the top 10 auto insurers make up more than three-quarters of the insurance market in terms of premiums written, according to the Insurance Information Institute (Triple-I).
Getting insurance through a large company has several benefits, including lower rates, more discounts, 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.
The table below shows the five cheapest large insurance companies for full-coverage auto insurance policies. Each one offers coverage in at least 25 states, though most operate nationwide.
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 small, regional insurer.
For example, you’re likely to get more personalized service through a local 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 five cheapest small, regional insurance companies. The table includes only companies that offer policies in fewer than five states.
It’s worth noting that because these are small companies, their average rates are heavily influenced by which states they operate in. Consider researching small insurance companies in your state to see if this type of policy might be right for you.
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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. The table below rounds up the cheapest insurance companies for minimum liability policies.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $27 |
| Auto-Owners | $40 |
| USAA | $51 |
| State Farm | $57 |
| Mile Auto | $65 |
| Allstate | $69 |
| NJM | $73 |
| American Family | $77 |
| CSAA | $86 |
| Safeco | $90 |
| Mercury | $93 |
| Erie | $93 |
| Nationwide | $94 |
| Commonwealth Casualty | $96 |
| Travelers | $99 |
| Root | $99 |
| Dairyland | $101 |
| Direct Auto | $102 |
| The General | $102 |
| National General | $103 |
| Progressive | $107 |
| Bristol West | $109 |
| GEICO | $110 |
| Farmers | $113 |
| GAINSCO | $122 |
| Chubb | $122 |
| Foremost | $123 |
| Metromile | $124 |
| 21st Century | $125 |
| State Auto | $130 |
| Elephant | $131 |
| Clearcover | $138 |
| AssuranceAmerica | $142 |
| Shelter | $172 |
| Liberty Mutual | $178 |
| The Hartford | $187 |
| Amica | $336 |
COUNTRY Financial offers the cheapest minimum liability insurance rates, though all five of the companies listed in the table offer competitive rates.
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.
While liability-only insurance is the cheapest type of policy, it doesn’t offer all the 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, comprehensive coverage, uninsured motorist coverage, and more.
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 |
|---|---|
| COUNTRY Financial | $48 |
| Auto-Owners | $70 |
| NJM | $87 |
| USAA | $98 |
| Mile Auto | $99 |
| State Farm | $114 |
| Erie | $116 |
| Allstate | $132 |
| CSAA | $134 |
| GEICO | $136 |
| Safeco | $143 |
| American Family | $146 |
| Root | $146 |
| Metromile | $152 |
| Anchor | $153 |
| Mercury | $160 |
| Progressive | $169 |
| Direct Auto | $175 |
| Nationwide | $178 |
| Elephant | $182 |
| National General | $184 |
| Travelers | $187 |
| Clearcover | $192 |
| The General | $192 |
| Farmers | $222 |
| Chubb | $222 |
| Shelter | $223 |
| Bristol West | $223 |
| State Auto | $224 |
| 21st Century | $226 |
| The Hartford | $230 |
| Commonwealth Casualty | $238 |
| Liberty Mutual | $241 |
| GAINSCO | $253 |
| AssuranceAmerica | $257 |
| Dairyland | $265 |
| Foremost | $269 |
| Amica | $406 |
COUNTRY Financial has the cheapest average rates for full-coverage insurance, with average rates of just $48 per month.
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.
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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 population density, uninsured driver rates, and more can also affect a state’s insurance premiums.
We’ve compiled a list of the average premium and cheapest car insurance companies in each state to help give you a starting point when shopping for your new policy.
State | Statewide Average Rates | Cheapest Company | Cheapest Average Monthly Rate |
|---|---|---|---|
| Alabama | $100 | National General | $52 |
| Arizona | $131 | Mile Auto | $63 |
| Arkansas | $143 | State Farm | $45 |
| California | $156 | USAA | $82 |
| Colorado | $152 | State Farm | $78 |
| Connecticut | $251 | State Farm | $96 |
| Delaware | $209 | USAA | $103 |
| Florida | $187 | State Farm | $89 |
| Georgia | $212 | Mile Auto | $92 |
| Idaho | $90 | Auto-Owners | $34 |
| Illinois | $122 | Auto-Owners | $47 |
| Indiana | $106 | Auto-Owners | $45 |
| Iowa | $85 | State Farm | $23 |
| Kansas | $117 | CSAA | $52 |
| Kentucky | $165 | National General | $99 |
| Louisiana | $174 | State Farm | $90 |
| Maine | $114 | USAA | $41 |
| Maryland | $262 | CSAA | $145 |
| Massachusetts | $125 | State Farm | $58 |
| Michigan | $198 | Auto-Owners | $62 |
| Minnesota | $141 | State Farm | $63 |
| Mississippi | $113 | State Farm | $44 |
| Missouri | $140 | USAA | $60 |
| Nebraska | $116 | Auto-Owners | $42 |
| Nevada | $220 | COUNTRY Financial | $40 |
| New Jersey | $187 | CSAA | $99 |
| New Mexico | $108 | The General | $60 |
| New York | $236 | Liberty Mutual | $106 |
| North Carolina | $76 | Nationwide | $54 |
| Ohio | $100 | Mile Auto | $40 |
| Oklahoma | $132 | State Farm | $51 |
| Oregon | $126 | Mile Auto | $71 |
| Pennsylvania | $130 | National General | $69 |
| South Carolina | $214 | USAA | $64 |
| Tennessee | $108 | Mile Auto | $43 |
| Texas | $175 | State Farm | $55 |
| Utah | $134 | USAA | $78 |
| Virginia | $151 | Auto-Owners | $56 |
| Washington | $132 | State Farm | $54 |
| Washington, D.C. | $267 | Erie | $165 |
| West Virginia | $117 | State Farm | $62 |
| Wisconsin | $96 | USAA | $37 |
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Your age is one of the most important factors that affect your car insurance costs. Generally, teens and young drivers pay the highest rates, 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 | $290 | COUNTRY Financial | $34 |
| 40s | $150 | COUNTRY Financial | $25 |
| 60s | $125 | COUNTRY Financial | $22 |
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 forcar 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 rate for teens is just$34 per month — far less than the nationwide average of $290.
Drivers in their 60s 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 many senior drivers see their premiums increase again around age 70.
COUNTRY Financial offers thecheapest 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 driving rates. And the good news is that it’s one that’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 your record. 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 | $148 | COUNTRY Financial | $27 |
| Speeding ticket | $186 | COUNTRY Financial | $33 |
| At-fault accident | $192 | COUNTRY Financial | $34 |
| DUI | $227 | COUNTRY Financial | $41 |
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 insurance rates fordrivers with a speeding ticket — just $33 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 insurance premiums for drivers with an at-fault accident, at $34 per month.
You may be able tosave 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 premiums for drivers with DUIs on their records, with average rates coming in at just $41 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, Maryland, and Massachusetts — prohibit insurance companies from using credit history as a factor when setting insurance rates. If you live in one of these states, you don’t have to worry about poor credit negatively affecting your monthly bill. Other states have attempted to pass similar initiatives, so that list could grow in the future.
In the table below, you can see the national average rates for drivers with both good and bad credit.
Credit Score | National Average Rates |
|---|---|
| Excellent Credit | $165 |
| Poor Credit | $227 |
There’s a significant difference between the average premiums for drivers with good credit versus those with poor credit. A poor credit history can cost you upwards of $227 per month on your insurance premiums.
Drivers with excellent credit pay lower insurance premiums than drivers of other credit profiles. COUNTRY Financial has the cheapest rates for drivers with “excellent” credit, at just $24 per month, according to our research.
That said, because each company uses its own formula, it’s still important to get car insurance quotes from multiple companies if you want the best possible deal.
If you have bad credit, you’ll probably pay higher insurance premiums because of a perceived increased risk. COUNTRY Financial has the cheapest insurance premiums for drivers with bad credit, with an average rate of just $32 per month. Just make sure to shop around to confirm that’s the case for you.
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No matter where you live or your personal situation, there are steps you can take to save money on your insurance premiums.
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 smaller 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 smaller, regional insurers that offer the best rates.
Shop around for coverage: The same company won’t be the cheapest for every person or situation. It’s important to shop around andget free quotes from multiple companies to compare and find the cheapest one for you.
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 $27 per month. But the cheapest company for you will depend on your location, driving history, credit score, age, and more.
COUNTRY Financial has the cheapest full-coverage insurance, with an average monthly premium of just $48. Auto-Owners and NJM 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 every six months.
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 usually 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.
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.
J.D. Power, “2024 U.S. Auto Claims Satisfaction Study,” accessed November 14, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed November 14, 2024.
National Association of Insurance Commissioners, “Complaint Index,” accessed November 14, 2024.
Insurance Information Institute. “Facts + Statistics: Auto Insurance,” accessed November 14, 2024.
National Conference of State Legislators, “States Consider Limits on Insurers’ Use of Consumer Credit Info,” accessed November 14, 2024.
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.
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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.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
Amanda Clear is a licensed Property and Casualty insurance agent who runs her family insurance agency providing coverage in the states of Connecticut, New York, and Vermont. She specializes in providing customized insurance packages to her clients that provide the best coverage for the price that they can afford. She holds a bachelor's degree in English from Sacred Heart University in Fairfield, CT, and works as a freelance editor, proofreader, and writer outside of her insurance career.
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