The Cheapest Auto Insurance Companies in Your State

On this post, you’ll discover the top three auto insurance providers that offer the most competitive rates in every state, along with their quotes and the average costs specific to each state. For many drivers, the quest for affordable insurance can be both exasperating and challenging. To compile this information, we conducted extensive research across numerous platforms, drawing from various sources and our own expertise. Think of the names listed below as the ones that have garnered the most votes for being the most competitively priced in their respective states, determined through a comprehensive analysis of quotes collected and compared across various studies.

Various websites utilize diverse metrics, employ different sample driver profiles, and incorporate various data points. It’s important to note that as driver characteristics vary, so do insurance prices. Typically, these studies focus on rates for responsible, experienced drivers with a clean record. However, if you’re a new driver or have a less-than-stellar driving history, the best auto insurers and quotes can differ significantly. Nonetheless, there are a plethora of discounts available to a wide range of drivers. Identifying and taking advantage of the discounts you are eligible for is another effective strategy for cutting costs, in addition to locating the most competitive insurance provider.

A note of caution: These quotes are for a full coverage car insurance policy with Collision, Comprehensive and good level of Liability coverage because most people purchase a full coverage policy in the US. They are also the lowest average quotes for a driver with a clean driving record, good credit score, low risk vehicle and age between 30 to 40. It’s quite possible that these figures may not precisely align with your own situation. Nonetheless, they serve as an excellent initial reference point in your quest to identify the cheapest automobile insurance company tailored to your specific circumstances.

In this list, you’ll observe that both GEICO and State Farm stand out as among the most competitive insurers in 22 states each. Travelers, Progressive, and Nationwide are also noteworthy as they belong to the top ten largest insurance companies in the US and are frequently cited among the most affordable options on this list. However, it’s essential to recognize that within the insurance industry, there exists a vast array of choices, including local, regional, and national insurers. Consequently, when you take the time to get quotes and carefully compare them, you open the door to securing the most advantageous deal available to you.

Before you start checking vehicle insurance companies for the best rates in your state, it’s important to keep the following factors in mind regarding how these rates are determined and their relevance to your specific situation:

  1. Personal circumstances significantly influence how your premiums are calculated.
  2. The title of the “cheapest auto insurer” varies depending on the type of driver. The prices listed below are tailored for good and experienced drivers, and if you happen to be a younger or older driver, your rates may differ significantly.
  3. The figures provided serve as symbols to illustrate the substantial variation in quotes from various insurance providers. It’s essential to obtain multiple quotes to see the full spectrum of options available to you.
  4. While this list can serve as a helpful reference point for price comparison, these car insurers should not be the only ones you should consider. The best insurance company for you might not be included in this list. Different companies offer more or less favorable rates after considering the details of the applicant.
  5. For American military members, USAA is widely recognized as one of the best. However, it is excluded from the results since it is only for military members.

Below are the Cheapest Car Insurance Companies for a Full Coverage Policy in Each State, along with their respective quotes. We’ve also included the state average to help you assess how these companies compare to the average rates.

  • Alabama
  1. Travelers, $1,166
  2. Cincinnati Insurance, $1,260
  3. GEICO, $1,330
  4. The State Average, $1,843
  • Alaska
  1. State Farm, $1,366
  2. Umialik Insurance, $1,513
  3. Progressive, $1,580
  4. The State Average, $1,946
  • Arizona
  1. Geico, $1,173
  2. Travelers, $1,441
  3. Auto-Owners, $1,470
  4. The State Average, $1,810
  • Arkansas
  1. Farmers, $1,158
  2. Farm Bureau, $1,167
  3. Auto-Owners, $1,295
  4. The State Average, $1,907
  • California
  1. Capital Insurance Group, $1,548
  2. Wawanesa Insurance, $1,612
  3. Mercury Insurance, $1,817
  4. The State Average, $2,291
  • Colorado
  1. Geico, $1,306
  2. Farm Bureau, $1,434
  3. State Farm, $1,623
  4. The State Average, $2,121
  • Connecticut
  1. Geico, $1,096
  2. Kemper, $1,313
  3. Amica, $1,484
  4. The State Average, $1,533
  • Delaware
  1. Geico, $1,444
  2. Nationwide, $1,657
  3. Travelers, $1,681
  4. The State Average, $2,103
  • District of Columbia (D.C.)
  1. Progressive, $1,236
  2. Erie, $1,261
  3. Geico, $1,331
  4. The State Average, $2,072
  • Florida
  1. State Farm, $1,813
  2. Geico, $2,057
  3. Travelers, $2,121
  4. The State Average, $3,183
  • Georgia
  1. Auto-Owners, $1,544
  2. Country Financial, $1,553
  3. Georgia Farm Bureau, $1,738
  4. The State Average, $2,085
  • Hawaii
  1. State Farm, $1,207
  2. Geico, $1,388
  3. Island Insurance, $1,418
  4. The State Average, $1,275
  • Idaho
  1. American National, $481
  2. Auto-Owners, $690
  3. Amica, $727
  4. The State Average, $1,133
  • Illinois
  1. Pekin, $1,077
  2. SECURA, $1,104
  3. Mercury, $1,168
  4. The State Average, $1,806
  • Indiana
  1. Hastings Mutual, $550
  2. Pekin Insurance, $621
  3. Grange Insurance, $893
  4. The State Average, $1,295
  • Iowa
  1. Hastings Mutual, $604
  2. Pekin Insurance, $871
  3. West Bend Mutual, $925
  4. The State Average, $1,315
  • Kansas
  1. Geico, $1,022
  2. Nationwide, $1,134
  3. Allied, $1,226
  4. The State Average, $1,878
  • Kentucky
  1. Amica, $1,406
  2. Travelers, $1,497
  3. Cincinnati, $1,539
  4. The State Average, $2,124
  • Louisiana
  1. Southern Farm Bureau, $1,860
  2. State Farm, $2,183
  3. Louisiana Farm Bureau, $2,302
  4. The State Average, $2,909
  • Maine
  1. Concord Group, $531
  2. Vermont Mutual, $559
  3. Geico, $604
  4. The State Average, $941
  • Maryland
  1. Nationwide, $1,574
  2. Penn National, $1,674
  3. Geico, $1,727
  4. The State Average, $1,971
  • Massachusetts
  1. State Farm, $608
  2. Safety Insurance, $861
  3. Plymouth Rock, $933
  4. The State Average, $1,262
  • Michigan
  1. Secura Insurance, $988
  2. Geico, $1,590
  3. Hastings Mutual, $1,682
  4. The State Average, $2,691
  • Minnesota
  1. American Family, $1,106
  2. State Farm, $1,137
  3. North Star Mutual, $1,458
  4. The State Average, $1,760
  • Mississippi
  1. Mississippi Farm Bureau, $1,395
  2. State Farm, $1,395
  3. Nationwide, $1,506
  4. The State Average, $1,771
  • Missouri
  1. Travelers, $1,344
  2. Missouri Farm Bureau, $1,520
  3. State Farm, $1,527
  4. The State Average, $1,943
  • Montana
  1. Progressive, $810
  2. State Farm, $1,117
  3. QBE Insurance Group, $1,370
  4. The State Average, $1,889
  • Nebraska
  1. Auto-Owners, $1,152
  2. Nationwide, $1,179
  3. Farmers Mutual of Nebraska, $1,237
  4. The State Average, $1,624
  • Nevada
  1. State Farm, $1,376
  2. Geico, $1,624
  3. Country Financial, $1,709
  4. The State Average, $2,779
  • New Hampshire
  1. MMG Insurance, $828
  2. Nationwide, $884
  3. State Farm, $956
  4. The State Average, $1,262
  • New Jersey
  1. Selective Insurance, $1,131
  2. Progressive, $1,198
  3. NJM Insurance, $1,229
  4. The State Average, $1,754
  • New Mexico
  1. Central Insurance, $1,358
  2. State Farm, $1,396
  3. Geico, $1,452
  4. The State Average, $1,591
  • New York
  1. Progressive, $1,942
  2. Geico, $2,461
  3. Erie, $2,468
  4. The State Average, $3,139
  • North Carolina
  1. NC Farm Bureau, $930
  2. Erie, $1,064
  3. State Farm, $1,066
  4. The State Average, $1,446
  • North Dakota
  1. Nodak Mutual, $748
  2. Allied, $901
  3. State Farm, $1,112
  4. The State Average, $1,302
  • Ohio
  1. Hastings Mutual, $642
  2. Geico, $704
  3. Buckeye Insurance, $745
  4. The State Average, $1,266
  • Oklahoma
  1. Geico, $1,238
  2. Oklahoma Farmers Union, $1,386
  3. American Farmers & Ranchers, $1,446
  4. The State Average, $1,998
  • Oregon
  1. Oregon Mutual, $912
  2. General Casualty, $983
  3. Travelers, $1,058
  4. The State Average, $1,415
  • Pennsylvania
  1. Travelers, $907
  2. Nationwide, $1,182
  3. Atlantic States, $1,209
  4. The State Average, $2,040
  • Rhode Island
  1. State Farm, $1,002
  2. Travelers, $1,544
  3. Amica, $1,709
  4. The State Average, $1,886
  • South Carolina
  1. American National, $637
  2. Geico, $1,143
  3. Travelers, $1,169
  4. The State Average, $1,532
  • South Dakota
  1. State Farm, $1,148
  2. Farmers Mutual of Nebraska, $1,260
  3. Amco Insurance, $1,229
  4. The State Average, $1,553
  • Tennessee
  1. State Farm, $901
  2. Geico, $1,035
  3. Penn National, $1,048
  4. The State Average, $1,429
  • Texas
  1. Texas Farm Bureau, $1,013
  2. State Farm, $1,351
  3. Geico, $1,494
  4. The State Average, $2,019
  • Utah
  1. Geico, $1,010
  2. Nationwide, $1,186
  3. Auto-Owners, $1,206
  4. The State Average, $1,510
  • Vermont
  1. State Farm, $757
  2. Auto-Owners, $792
  3. Nationwide, $905
  4. The State Average, $1,061
  • Virginia
  1. Penn National, $944
  2. Nationwide, $946
  3. Virginia Farm Bureau, $984
  4. The State Average, $1,439
  • Washington
  1. Travelers, $957
  2. Oregon Mutual, $974
  3. Pemco Insurance, $1,129
  4. The State Average, $1,410
  • West Virginia
  1. Encompass Insurance, $1,012
  2. Nationwide, $1,122
  3. State Farm, $1,151
  4. The State Average, $1,580
  • Wisconsin
  1. Hastings Mutual, $803
  2. Rockford Mutual, $852
  3. Geico, $927
  4. The State Average, $1,292
  • Wyoming
  1. American National, $877
  2. Farmers, $1,151
  3. State Farm, $1,267
  4. The State Average, $1,582

Good Cheap Vehicle Insurance Carriers

This list showcases a wide range of excellent local, regional, and national insurance providers, catering to the diverse preferences of motorists. It serves as evidence that the most budget-friendly quote can often originate from some of the nation’s best and largest insurers. It’s essential to remember this, as some agents or brokers may try to dissuade individuals from appealing prices when they can’t match them. You’ll find numerous top insurers from the United States on this list, reassuring you that affordable quotes are within reach.

How to Find Affordable Car Insurance Companies

As demonstrated above, it’s evident that vehicle insurance rates can vary significantly depending on both the company you apply and the state you reside in. In some cases, there can be a difference of over $500 between two of the lowest-priced insurers, as exemplified in multiple states. This disparity becomes even more pronounced when you consider the potential costs associated with the most expensive insurer. In certain instances, the premiums charged by these pricier carriers can far exceed what would be considered a reasonable rate.

Clearly, the key to securing affordable auto insurance rates lies in identifying cost-effective insurance providers. But how do you go about finding them? One effective approach is to start by seeking out resources like this one that highlight the most competitive car insurers. However, the surefire method for discovering an economical insurance package tailored to your specific circumstances is to obtain multiple vehicle insurance quotes. We recommend reaching out to at least five different companies and conducting a comprehensive comparison of their offerings.