The Cheapest Auto Insurance Companies in Your State

Motorists will find the three most competitive auto insurance providers in each state on this post. It is frustrating and difficult for most drivers to find reasonably priced carriers. We researched multiple sites, as well as relying on other sources and experience to come to these conclusions. Consider the names below as receiving the ‘most votes’ for being the most competitive by local drivers 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. Most suitable auto insurers and premiums can be considerably different if you are a new driver or have a bad driving record. However, there are various discounts applicable to most types of drivers and getting the discounts you qualify for is another way of reducing costs along with finding the most competitive provider.

A word of caution, many of these rates are for the minimum liability coverage. 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 search of the lowest priced automobile insurance company 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 companies that represent local, regional and national players in the industry, there is wide competition. So, you can definitely get the best deal possible when you compare quotes you get.

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

1. Personal circumstances play a key role in premium calculations.
2. The cheapest auto insurer 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. They are symbolic to show you how different quotes from various providers can be. So, always get several quotations to see.
4. Use this list as guidance and check prices. But, you should never take them as the only ones 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. It is excluded from the results since it is only for 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 providers that offer 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 in the country. Keep this in mind because some agents or brokers love to scare people against attractive prices when they realize that they cannot beat it. This list is scattered with top insurers in the US that should instill confidence in affordable quotes.

How to Find Affordable Car Insurance Companies

It is clearly demonstrated above that rates can vary widely depending on who is applied to. There can be over $500 difference even between two of the lowest priced vehicle insurers 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 policies. 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 coverage with the best one.

It is crystal clear that you need to find affordable providers if you want cheap auto insurance 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. However the sure way of finding an affordable package for your circumstances is to get a few quotes. You should check with at least 5 companies and compare them thoroughly with each other.