Cheap Car Insurance

Insurance agent writing on clipboard after accident cars.


Our Home Media study found that companies with the cheapest car insurance rates in 2022 include USAA, Erie Insurance, State Farm, Geico and Progressive.

Just because you’re required to have auto insurance doesn’t mean you have to pay a lot to get it. There are many ways to find the cheapest car insurance available to you so you can protect your vehicle and your wallet at the same time.

We at the Home Media reviews team have researched dozens of the best car insurance providers to find companies that provide both reliable and affordable car insurance. We’ll cover our top picks in this guide.

Cheapest Car Insurance Rates

According to our cost estimate data, the average 35-year-old driver with good credit and a clean driving history pays about $1,730 per year or $144 per month on average for full coverage car insurance in 2022. For minimum liability coverage, the average rate is $635 per year or $53 per month.

Cheapest Car Insurance by State

However, some states have cheaper car insurance than others. Below you can get a general idea of how states rank on average costs.

In some states, the smaller, local companies offer the cheapest car insurance. In others, national providers offer the best rates. One company that may be expensive in Nevada may offer some of the lowest rates available in Pennsylvania. While USAA is often the cheapest provider in most states, it’s not available to everyone due to eligibility requirements.

Cheapest Minimum Liability Insurance by State

Below is the cheapest minimum liability company in each state.


State Car Insurance Company* Annual Cost Estimate
Alabama Geico $360
Alaska Allstate $291
Arizona Auto-Owners $359
Arkansas Southern Farm Bureau $307
California Geico $398
Colorado Southern Farm Bureau $245
Connecticut Geico $489
Delaware State Farm $599
District of Columbia Chubb Limited $359
Florida Geico $586
Georgia Auto-Owners $381
Hawaii Geico $340
Idaho Auto-Owners $181
Illinois Country Financial $328
Indiana Auto-Owners $318
Iowa State Farm $198
Kansas Nationwide $324
Kentucky State Farm $381
Louisiana Southern Farm Bureau $502
Maine Auto-Owners $215
Maryland Geico $468
Massachusetts The Hanover $434
Michigan Auto-Owners $649
Minnesota Auto-Owners $353
Mississippi National General $244
Missouri Missouri Farm Bureau $385
Montana Progressive $215
Nebraska Auto-Owners $216
Nevada State Farm $614
New Hampshire Auto-Owners $211
New Jersey Geico $565
New Mexico Central Mutual Insurance $275
New York Progressive $766
North Carolina Nationwide $321
North Dakota North Star $267
Ohio Auto-Owners $266
Oklahoma American Farmers & Ranchers $329
Oregon State Farm $503
Pennsylvania Travelers $338
Rhode Island Travelers $561
South Carolina American National $241
South Dakota Farmers Mutual of Nebraska $171
Tennessee Tennessee Farm Bureau $318
Texas Texas Farm Bureau $348
Utah Geico $471
Vermont Union Mutual $200
Virginia Allstate $414
Washington Pemco Mutual $271
West Virginia Erie Insurance $293
Wisconsin Erie Insurance $292
Wyoming Geico $188

*USAA offered the cheapest rates across many states, but given that coverage is only available to military members and their families, its cost data is not provided in this table.

Top Renter’s Insurance Companies

Best Short-Term Health Insurance Providers