The best cheap car insurance companies are USAA, Auto-Owners and Nationwide, based on our analysis of cost and coverage options.
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Cheapest car insurance in 2023
USAA
Auto-Owners
Nationwide
Geico
Westfield
Travelers
Cheapest car insurance comparison
| COMPANY | OUR RATING | AVERAGE ANNUAL RATE FOR A GOOD DRIVER | LEVEL OF COMPLAINTS | LEARN MORE |
|---|---|---|---|---|
| USAA | 5.0 stars | $1,412 | Average | Compare Rates Compare rates offered by participating partners |
| Auto-Owners | 5.0 stars | $1,628 | Low | Compare Rates Compare rates offered by participating partners |
| Geico | 4.5 stars | $1,716 | Average | Compare Rates Compare rates offered by participating partners |
| Westfield | 4.5 stars | $1,759 | Very low | Compare Rates Compare rates offered by participating partners |
| Travelers | 4.5 stars | $1,852 | Very low | Compare Rates Compare rates offered by participating partners |
| Nationwide | 5.0 stars | $2,041 | Very low | Compare Rates Compare rates offered by participating partners |
Methodology
Cheapest car insurance for good drivers
| COMPANY | AVERAGE ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $1,412 | Compare Rates Compare rates offered by participating partners |
| Auto-Owners | $1,628 | Compare Rates Compare rates offered by participating partners |
| Geico | $1,716 | Compare Rates Compare rates offered by participating partners |
| Westfield | $1,759 | Compare Rates Compare rates offered by participating partners |
USAA has the cheapest car insurance for good drivers, though only members of the military community and eligible family members will qualify for coverage.
Drivers not eligible for coverage with USAA should check with Auto-Owners, Geico and Westfield, which also offer some of the most affordable car insurance rates for good drivers when compared to the national average.
Cheap car insurance after an accident with injuries
| COMPANY | ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $2,093 | Compare Rates Compare rates offered by participating partners |
| Auto-Owners | $2,145 | Compare Rates Compare rates offered by participating partners |
| Westfield | $2,458 | Compare Rates Compare rates offered by participating partners |
| Geico | $2,487 | Compare Rates Compare rates offered by participating partners |
For drivers who have caused a collision that resulted in injuries, USAA is the cheapest car insurance company, again, though it only has a slight advantage over Auto-Owners.
Westfield and Geico also offer lower-than-average rates. Drivers at fault for an accident with injuries can see a substantial rate increase, so if that applies to you, be sure to get car insurance quotes from these insurers.
Cheap car insurance after an accident with property damage
| COMPANY | AVERAGE ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $2,079 | Compare Rates Compare rates offered by participating partners |
| Auto-Owners | $2,145 | Compare Rates Compare rates offered by participating partners |
| Geico | $2,451 | Compare Rates Compare rates offered by participating partners |
| Westfield | $2,458 | Compare Rates Compare rates offered by participating partners |
For drivers who caused a crash resulting in property damage, Auto-Owners is a great choice if USAA membership is not an option. Geico and Westfield also offer decent rates for this group, with considerable savings compared to the national average. Our analysis shows rates tend to increase steeply from here.
Cheap car insurance for drivers with a DUI
| COMPANY | AVERAGE ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $2,751 | Compare Rates Compare rates offered by participating partners |
| Progressive | $2,776 | Compare Rates Compare rates offered by participating partners |
| American Family | $2,983 | Compare Rates Compare rates offered by participating partners |
| State Farm | $3,235 | Compare Rates Compare rates offered by participating partners |
If you have a DUI on your record, you’ll likely see a steep rate increase, but there are several insurers that offer rates below the national average. USAA again offers the most affordable car insurance after a DUI, but Progressive trails closely behind.
Cheap car insurance for drivers with a speeding ticket
| COMPANY | ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $1,709 | Compare Rates Compare rates offered by participating partners |
| Westfield | $2,001 | Compare Rates Compare rates offered by participating partners |
| Geico | $2,098 | Compare Rates Compare rates offered by participating partners |
| Auto-Owners | $2,250 | Compare Rates Compare rates offered by participating partners |
A speeding ticket will raise your car insurance rate, but if you shop around, the financial hit might not be as bad as you think. USAA’s rates for this group are great, but eligibility is limited. If you don’t qualify for USAA, you still have a number of other options for companies that tend to charge below the national average for this group of drivers.
Cheap car insurance for 16-year-old driver on a parent policy
| COMPANY | ANNUAL RATE | LEARN MORE |
|---|---|---|
| Erie | $1,594 | Compare Rates Compare rates offered by participating partners |
| Nationwide | $1,774 | Compare Rates Compare rates offered by participating partners |
| Geico | $1,952 | Compare Rates Compare rates offered by participating partners |
| USAA | $2,036 | Compare Rates Compare rates offered by participating partners |
Teen drivers are notoriously expensive to insure, 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. Erie offers the cheapest average rates for adding a 16-year-old driver to a parent’s policy. If you’re not in Erie’s coverage area, consider Nationwide, which has the second lowest rates.
Cheapest car insurance for young drivers, 18 to 25
| COMPANY | ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $2,774 | Compare Rates Compare rates offered by participating partners |
| Geico | $3,332 | Compare Rates Compare rates offered by participating partners |
| Auto-Owners | $3,382 | Compare Rates Compare rates offered by participating partners |
| State Farm | $3,795 | Compare Rates Compare rates offered by participating partners |
Young drivers on their own policy are faced with some of the highest rates among the driver profiles we analyzed. If you or your child is between the ages of 18 and 25, consider USAA, Geico or Auto-Owners for coverage. And, though State Farm didn’t make our list of the best car insurance companies, it has competitive rates for this particular group of drivers.
Cheap car insurance for seniors
| COMPANY | ANNUAL RATE | LEARN MORE |
|---|---|---|
| USAA | $1,554 | Compare Rates Compare quotes offered by participating partners |
| Auto-Owners | $1,768 | Compare Rates Compare quotes offered by participating partners |
| Geico | $1,936 | Compare Rates Compare quotes offered by participating partners |
| Westfield | $1,939 | Compare Rates Compare quotes offered by participating partners |
Like teen drivers, senior drivers may also have higher than average rates, so shopping around is crucial. Next to USAA, Auto-Owners has the cheapest average annual rate for senior drivers. Drivers in their 60s, 70s and 80s may also want to inquire about discounts for defensive driving courses, which can also lead to lower rates.
Cheap car insurance for drivers with poor credit
| COMPANY | AVERAGE ANNUAL RATE | LEARN MORE |
|---|---|---|
| Geico | $2,426 | Compare Rates Compare quotes offered by participating partners |
| USAA | $2,594 | Compare Rates Compare quotes offered by participating partners |
| Nationwide | $2,771 | Compare Rates Compare quotes offered by participating partners |
| Westfield | $2,964 | Compare Rates Compare quotes offered by participating partners |
The national average for drivers with poor credit is among the highest in our analysis, with the exception of young drivers on their own policy. This is one example where USAA doesn’t offer the cheapest rates. Instead, that award goes to Geico. USAA’s average rate is only slightly higher than Geico’s, making it worth considering if it’s available to you.
Cheapest liability car insurance
| COMPANY | AVERAGE ANNUAL RATE | LEARN MORE |
|---|---|---|
| Auto-Owners | $404 | Compare Rates Compare quotes offered by participating partners |
| USAA | $466 | Compare Rates Compare quotes offered by participating partners |
| Westfield | $507 | Compare Rates Compare quotes offered by participating partners |
| Geico | $510 | Compare Rates Compare quotes offered by participating partners |
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 the cheapest liability insurance, consider Auto-Owners or USAA, both of which offer average rates that are well below the national average of $697 per year.
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States with the cheapest car insurance
Where you live plays a major role in how much you pay for car insurance as does the car insurance company you choose. The table below provides the cheapest car insurance companies for good drivers by state.
Note that in some states USAA has the cheapest coverage, but since eligibility is limited to the members of the military community, we’ve included the next cheapest insurer. If you are eligible for coverage through USAA, it’s a good idea to get a quote to determine if it’s the cheapest option for you.
*Based on the average annual rate from large insurers in each state. Rates are for 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage for a 45-year-old female insuring a 2022 Toyota RAV4. In some cases USAA is the cheapest company, but membership is limited to the military community. Source: Quadrant Information Services.
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