The Cheapest Auto Insurance Companies in Your State

This article will identify the three most competitive auto insurance providers in a state by state comparison. It is frustrating and difficult for most drivers to find reasonably priced carriers in their state. This article researched multiple sites, most notably ValuePenguin, as well as relying on other sources and experience to come to its conclusions. Consider the names below as receiving the ‘most votes’ for being the most competitive in their respective states and so make our list of cheapest car insurance companies in each state.

Different sites use different metrics, sample driver examples and other data. As the driver particulars change the prices change too. For example, these studies usually look at the rates for good mature drivers with enough experience. Your rates can be considerably different if you are a new driver or have bad driving record. However, these tips on how to get a budget policy can help most types of drivers.

A word of caution, many of these rates are for the minimum liability coverage in their respective states. They may also be the lowest average rate for a specific demographic example, such as a male driver, aged 25 and married with a specific vehicle. So, there is a high chance they don’t directly apply to you. Nevertheless, it is a great starting point in your search for the lowest priced car insurance carrier for your circumstances.

You will notice in this list that GEICO is mentioned as one of the most affordable carriers in 27 states, the most of any firm. State Farm makes the second most appearances at 13 and Farmers third at 7 most appearances on the list. However, with over hundred different insurance companies that represent local, regional and national players in the automobile insurance industry, there is wide competition. So, you can definitely get the best deal possible when you compare quotes you get through CheapAutoInsurance.net.

Before checking the vehicle insurance companies with the best prices in your state you should bear in mind the following points about how these prices are determined and how relevant to you;

  1. Your personal circumstances play a key role in the prices you receive.
  2. The cheapest auto insurers changes as per driver type. Prices shown below are for good & experienced drivers and you may pay a lot more if you are a younger or older driver.
  3. Prices quoted are symbolic to show you how different quotes from various providers can be. So, always get several quotations to see your own prices.
  4. Use this list as guidance and check rates. But, you should never take them as the only insurers to be considered. The best company for – you – may be not in the list.
  5. For American military members, USAA is widely recognized as one of the best priced automobile insurers. It is excluded from the results since it only insures military members.

State-by-State Auto Insurance Price Comparisons

  • Alabama
  1. Travelers, $799
  2. Cincinnati Insurance, $820
  3. GEICO, $1,040
  • Alaska
  1. Umialik Insurance, $883
  2. State Farm, $985
  3. Progressive, $1,235
  • Arizona
  1. Auto-Owners, $437
  2. Ameriprise, $476
  3. Farmers, $476
  • Arkansas
  1. Farmers, $288
  2. Safeco, $316
  3. ANPAC, $336
  • California
  1. Amica Mutual, $834
  2. Sterling Casualty, $905
  3. Affirmative, $913
  • Colorado
  1. GEICO, $786
  2. Grange, $820
  3. State Farm, $910
  • Connecticut
  1. GEICO, $769
  2. Hartford, $842
  3. Grange, $968
  • Delaware
  1. Travelers, $1,073
  2. Ameriprise, $1,255
  3. Nationwide, $1,267
  • Florida
  1. Florida Farm Bureau, $381
  2. GEICO, $605
  3. Travelers, $640
  • Georgia
  1. GEICO, $667
  2. Auto-Owners, $847
  3. Country Financial, $887
  • Hawaii
  1. Allianz Auto, $192
  2. American Automobile, $192
  3. Fireman’s Fund, $192
  • Idaho
  1. American National P&C, $242
  2. Oregon Mutual, $446
  3. GEICO, $529
  • Illinois
  1. The Hartford, $321
  2. Farmers, $348
  3. SECURA, $356
  • Indiana
  1. Cincinnati, $190
  2. Erie, $215
  3. Farmers, $281
  • Iowa
  1. Partners Mutual, $419
  2. IMT Insurance, $439
  3. Western National, $633
  • Kansas
  1. Allied, $814
  2. Hartford, $823
  3. State Farm, $910
  • Kentucky
  1. Kentucky Farm Bureau, $817
  2. Cincinnati, $980
  3. Grange Mutual, $1,009
  • Louisiana
  1. GEICO, $1,023
  2. Louisiana Farm Bureau, $1,438
  3. State Farm, $1,548
  • Maine
  1. GEICO, $431
  2. Patriot, $526
  3. Countryway, $570
  • Maryland
  1. Liberty Mutual, $1,103
  2. Penn National, $1,115
  3. Erie, $1,138
  • Massachusetts
  1. State Farm, $726
  2. Grange Mutual, $815
  3. GEICO, $859
  • Michigan
  1. Hastings Mutual, $551
  2. Chubb, $762
  3. Nationwide, $893
  • Minnesota
  1. Farm Bureau Mutual, $689
  2. State Farm, $753
  3. West Bend Mutual, $791
  • Mississippi
  1. ALFA, $846
  2. GEICO, $968
  3. Unitrin, $1,005
  • Missouri
  1. Farmers, $290
  2. Electric, $320
  3. Auto-Owners, $368
  • Montana
  1. State Farm, $741
  2. GEICO, $819
  3. QBE Farmers Union, $930
  • Nebraska
  1. Farm Bureau Mutual, $604
  2. State Farm, $740
  3. GEICO, $760
  • Nevada
  1. Allied, $795
  2. Oregon Mutual, $826
  3. GEICO, $830
  • New Hampshire
  1. GEICO, $490
  2. Patriot Insurance, $624
  3. State Farm, $711
  • New Jersey
  1. AAA, $1,187
  2. NJ Skylands, $1,213
  3. Farmers, $1,301
  • New Mexico
  1. GEICO, $726
  2. Farmers, $752
  3. Allied, $831
  • New York
  1. GEICO, $799
  2. Erie, $907
  3. Allstate, $969
  • North Carolina
  1. GEICO, $435
  2. Auto-Owners, $474
  3. NC Farm Bureau, $597
  • North Dakota
  1. Allied, $792
  2. Nodak Mutual, $823
  3. State Farm, $861
  • Ohio
  1. Motorists Mutual, $273
  2. Erie, $290
  3. Grange Mutual, $324
  • Oklahoma
  1. GEICO, $725
  2. Oklahoma Farmers Union, $1,038
  3. State Farm, $1,038
  • Oregon
  1. GEICO, $580
  2. Oregon Mutual, $687
  3. Country, $718
  • Pennsylvania
  1. Erie, $316
  2. Harleysvill, $346
  3. Atlantic States, $362
  • Rhode Island
  1. State Farm, $584
  2. GEICO, $950
  3. Quincy Mutual, $1,202
  • South Carolina
  1. GEICO, $659
  2. Auto-Owners, $731
  3. Hartford, $760
  • South Dakota
  1. Western National, $660
  2. State Farm, $678
  3. GEICO, $738
  • Tennessee
  1. GEICO, $487
  2. Utica National, $752
  3. Auto-Owners, $844
  • Texas
  1. Allstate, $589
  2. Foremost, $654
  3. Farmers, $668
  • Utah
  1. Bear River, $514
  2. GEICO, $604
  3. Farm Bureau, $798
  • Vermont
  1. GEICO, $533
  2. Co-Operative Ins., $619
  3. Unitrin, $627
  • Virginia
  1. Travelers, $666
  2. Penn National, $733
  3. Cincinnati, $748
  • Washington
  1. Amica, $347
  2. Grange Mutual, $360
  3. State Farm, $389
  • West Virginia
  1. Erie, $715
  2. State Farm, $965
  3. Westfield, $965
  • Wisconsin
  1. GEICO, $393
  2. Partners Mutual, $440
  3. Western National, $518
  • Wyoming
  1. State Farm, $813
  2. GEICO, $856
  3. SAFECO, $927

Good Cheap Vehicle Insurance Carriers

The list is full of great local, regional and national insurers that provide enough alternatives for motorists with various preferences. It is a testament to prove that the lowest quote can come from one of the best or largest insurers in the country. Keep this in mind because some agents or brokers love to scare people against attractively priced quotes when they realize that they cannot beat it. This list is scattered with top insurers in the US that should instil confidence in affordable quotes.

How to Find Affordable Car Insurance Companies

It is clearly demonstrated above that rates can vary widely depending on insurers applied to. There can be over $500 price difference even between two of the lowest as it is the case above in Louisiana, Rhode Island and Alabama. Now you can imagine how much more you need to pay if you somehow end up with one of the most expensive insurers in your state. In some cases, the premium you have to pay to one of the most expensive insurers can be high enough to pay as much as 6 years of premiums with the best priced one.

It is crystal clear that you need to find affordable providers if you want decent rates. So, how do you find them? You can start with finding posts just like this that tell you who are the most economical carriers. Also you follow the link above to learn how to go about finding the best prices, insurers and coverage. However the sure way of finding an affordable insurer for your circumstances is to get instant online auto insurance quotes. You should get 5 – 10 quotes and compare them thoroughly with each other for coverage, reliability and prices.

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