State Farmis 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.
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
Show All Rows
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
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
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.
