car insurance

Best cheap car insurance

State Farm is the cheapest national car insurance company, at $50 per month for liability-only coverage.

American Family and Geico also have affordable quotes, averaging $61 per month. USAA has the cheapest rates overall at $34 per month. But only military members, veterans or their families can qualify for USAA.

Company		Monthly rate
	State Farm		$50
	American Family		$61
	Geico		$61
	Progressive		$66
	Travelers		$70

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*USAA is only available to military members, veterans and some of their family members.

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How do I get the cheapest auto insurance?

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Car insurance costs could rise by around 10% across the country in 2024. If your car insurance bill is going up, you're not alone.

Get quotes from the cheapest companies

State Farm, Geico and USAA have the cheapest car insurance for most drivers. But you must have ties to the military to qualify for USAA.

Save $1,236/year by switching

Liability-only insurance costs $64 per month on average. You could save a max. of $1,236 per year by switching to a cheaper company.

Try local companies to find even cheaper rates

Erie, Mercury and Auto-Owners are the cheapest regional companies. And it's likely at least one of them is available in your state.

Cheapest car insurance overall: State Farm

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Editor’s rating:

Liability only: $50/mo

Full coverage: $124/mo

Pros and cons

Cheapest company in most states
Dependable customer service
Fewer coverage options than other companies

State Farm is the best cheap car insurance company for most drivers.

State Farm has the best liability-only rates in 18 states, if you can't get USAA. It also has the cheapest full coverage quotes in 24 states.

Although State Farm is the largest auto insurance company in the country, you'll have to buy a policy through a local agent. However, you can usually compare quotes online before buying a policy. And State Farm's large reach means there's likely a nearby agent who can help compare the cheapest rates near you.

Cheapest national companies

Company	Full coverage	Liability only
State Farm	$124	$50
Travelers	$160	$70
Farm Bureau	$161	$46
Geico	$161	$61
Progressive	$169	$66

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Only current and former military members and their families are eligible for a USAA policy.

Will I lose out on good customer service for cheap rates with State Farm?

State Farm customers are typically happy with its fast and easy claims process after an accident. The company earned a high score on J.D. Power's claims satisfaction survey. State Farm also gets fewer complaints than similar companies, according to the National Association of Insurance Commissioners (NAIC).

Safe drivers can sign up for State Farm's Drive Safe & Save program to get a discount for good driving habits. You can also save with an accident-free discount, bundling discount, an anti-theft device discount and more.

State Farm has all of the coverage options you would expect from a major insurance company. You can also get pet coverage, rideshare insurance and roadside assistance.

However, it's missing some popular coverage options, like new car replacement and gap insurance.

Cheapest liability-only car insurance: Farm Bureau

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Editor’s rating:

Liability-only: $46/mo

Full coverage: $161/mo

Pros and cons

Cheapest liability coverage quotes
Excellent customer service
Few coverage add-ons available
Can't compare quotes online

Drivers shopping for minimum coverage car insurance can find the best rates with Farm Bureau. A minimum coverage policy from Farm Bureau costs an average of $46 per month. That's 28% cheaper than average across the U.S.

Cheap liability-only car insurance quotes

Company	Monthly cost
Farm Bureau	$46
State Farm	$50
American Family	$61
Geico	$61
Progressive	$66

Show All Rows

Only current and former military members and their families are eligible for a USAA policy.

However, minimum coverage car insurance isn't the best choice for most drivers. It doesn't pay for repairs to your car after an accident. Plus, the amount of protection you get with minimum coverage usually isn't enough to cover a major accident. That's why full coverage is better for most drivers, especially drivers with newer cars or a daily commute.

Farm Bureau also offers affordable full coverage car insurance at $161 per month, on average.

Drivers are generally happy with the service they get from Farm Bureau, too. The company has fewer complaints than similar companies, according to the NAIC.

However, you can't compare quotes from Farm Bureau online. That's because Farm Bureau insurance is made up of many smaller, local insurance companies. Some companies service just one state, while others sell insurance in a handful of locations. You'll need to call an agent to get cheap insurance quotes from Farm Bureau.

Cheap car insurance rates after discounts: American Family

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Editor’s rating:

Liability only: $61/mo

Full coverage: $160/mo

Pros and cons

Offers the most discounts of any major company
Reliable customer service
Not available in all states

American Family (AmFam) has some of the cheapest car insurance in the country. A minimum coverage policy from AmFam costs around $61 per month. Full coverage costs around $160 per month.

AmFam's car insurance rates are slightly more expensive than State Farm. But you may pay less overall if you qualify for its many car insurance discounts.

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Best cheap car insurance