The cheapest auto insurance quotes in the U.S. usually come from providers like GEICO, State Farm, Progressive, and USAA (for military members and families). On average, GEICO and State Farm often rank among the most affordable, offering competitive rates for safe drivers. Progressive provides budget-friendly options for high-risk drivers, while USAA is the cheapest for military families.
Actual costs depend on age, driving history, location, and vehicle type, so comparing quotes from multiple insurers is the best way to secure the lowest rate.
GEICO is the cheapest large auto insurance company in the nation for liability coverage, with an average rate of $41 a month and $489 a year, according to NerdWallet’s September 2025 analysis.
The Cheapest Auto Insurance Quotes in 2025
1. USAA (Military, veterans, and their families)
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Lowest rates for eligible drivers across many scenarios
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Approx. $1,475/year for good drivers (about $123/month)
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Also cheapest after speeding tickets, accidents, DUI, and more
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Availability: Only for military members, veterans, and their families.
2. Nationwide (For general drivers)
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Cheapest rates for:
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Good drivers:
$1,452/year ($121/month) -
After speeding tickets:
$1,928/year ($161/month) -
After an accident causing injury:
$2,407/year ($201/month) -
Poor credit:
$2,076/year ($173/month) -
Seniors, teens on parents’ policy, etc.
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3. Progressive
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Best in class for drivers with DUI histories:
$2,485/year ($207/month), the cheapest in that category
4. Erie
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Best for young drivers buying their own policy:
$1,866/year ($156/month) -
Offers perks like rate locks, multi-car/policy discounts, and usage-based discounts
Additional Insights from Other Sources
NerdWallet (August 2025 data)
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Full coverage cheapest: Travelers at
$1,776/year ($148/month) -
Liability-only cheapest: GEICO at
$492/year ($41/month) -
After a DUI: Travelers cheapest at
$2,987/year ($249/month) -
Drivers with poor credit: Travelers at
$3,005/year ($250/month)
Quote.com (Updated July 2025)
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Minimum coverage: USAA ~ $22/month (only available to military families)
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Full coverage: Geico ~$30/month, State Farm ~$33/month (lowest among general carriers)
AutoInsurance.com
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Minimum coverage: USAA ~$417/year ($35/month), GEICO ~$517/year ($43/month), Travelers ~$576/year ($48/month)
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Full coverage: USAA ~$1,407/year, GEICO ~$1,731/year, Travelers ~$1,597/year
The 10 Cheapest Car Insurance Companies Overall
The cheapest car insurance policy for you will depend on several factors, from the type of car you drive to your age. But some insurance companies offer significantly cheaper rates than others.
Insurify data scientists analyzed more than 90 million quotes to find the cheapest car insurance companies for every type of driver. Here’s an overview of average monthly liability-only and full-coverage quotes from the 10 cheapest auto insurance companies.
| Insurance Company | Liability Only | Full Coverage | IQ Score |
| Auto-Owners | $43 | $74 | 8.2 |
| State Farm | $56 | $110 | 9.3 |
| Allstate | $71 | $134 | 8.9 |
| Safeco | $87 | $144 | 8.1 |
| Dairyland | $93 | $284 | 7.7 |
| Nationwide | $94 | $177 | 9 |
| Root | $94 | $150 | 7.9 |
| GEICO | $97 | $136 | 9.2 |
| National General | $98 | $178 | 7 |
| Progressive | $102 | $177 | 8.7 |
Quick Comparison Table
| Driver Profile | Best Option | Approximate Rate |
| Military/Veteran | USAA | ~$1,475/year (good driver) |
| General (Good Drivers) | Nationwide | ~$1,452/year |
| After Speeding Ticket | Nationwide | ~$1,928/year |
| After an Accident with Injury | Nationwide | ~$2,407/year |
| After DUI | Progressive | ~$2,485/year |
| Young Driver (Own Policy) | Erie | ~$1,866/year |
| Poor Credit Drivers | Nationwide | ~$2,076/year |
| Full Coverage (General Market) | Travelers | ~$1,776/year |
| Liability-Only (General Market) | GEICO | ~$492/year |
Cheapest Insurers By Driver Profile
The cheapest auto insurance varies by individual driver profile, driving history, and location, so comparing personalized quotes is the best way to find your lowest rate. However, some insurers are consistently ranked as the most affordable nationally for certain drivers.
| Driver Profile | Cheapest Company (National Average) |
| Overall (Minimum Coverage) | GEICO |
| Overall (Full Coverage) | Travelers |
| Military and Veterans | USAA (Eligibility required) |
| Young Drivers | GEICO |
| Drivers with Bad Credit | Nationwide, GEICO |
| After a Speeding Ticket | Nationwide |
| After an At-Fault Accident | Auto-Owners |
| After a DUI | Travelers, Progressive |
Factors that Influence Your Rates
- Driving record: A clean record is key to the cheapest rates. Accidents, speeding tickets, and DUIs all raise your premiums significantly.
- Location: Your state, and even your specific ZIP code, can impact rates due to varying state laws, crime rates, and traffic congestion.
- Age: Young drivers under 25 and senior drivers over 70 often face higher rates. Premiums are generally lowest for middle-aged drivers.
- Credit score: In most states, a better credit history is linked to lower premiums, as insurers believe it indicates responsible financial behavior.
- Vehicle type: The make and model of your car affects rates. New, expensive, high-performance, or frequently stolen cars typically cost more to insure.
- Coverage and deductibles: Your policy limits and deductible amount directly influence your premium. Higher deductibles lower your monthly costs, but you pay more out-of-pocket after a claim.
How to Get the Cheapest Quote
- Compare quotes from multiple companies. Rates vary widely among insurers, so shopping around is the most effective way to find the lowest price. Be sure to compare policies with the same coverage limits and deductibles.
- Ask for discounts. Inquire about potential discounts for bundling home and auto policies, low annual mileage, good student status, being part of a particular alumni or employee group, and having safety or anti-theft devices.
- Adjust your deductible. Raising your deductible can significantly lower your monthly premium, but make sure you can afford the higher out-of-pocket cost if you have a claim.
- Consider usage-based insurance. If you are a safe, low-mileage driver, a telematics program that monitors your driving habits via an app or device can lead to a substantial discount.
- Review your coverage. For older, paid-off cars, you might consider dropping comprehensive and collision coverage to save money. Just be sure you can afford to replace the car on your own.
Conclusion
The cheapest auto insurance quotes depend on your personal situation, including driving history, age, and location. Companies like GEICO, State Farm, Progressive, and USAA consistently provide some of the most affordable options nationwide. While USAA is limited to military families, GEICO and State Farm are broadly accessible and known for low rates. The key is comparing multiple quotes to identify the best deal for your needs. Ultimately, the cheapest option balances affordability, coverage, and reliable service for long-term protection.
FAQ
What company usually offers the cheapest auto insurance quotes?
GEICO and State Farm are often the cheapest nationwide, with USAA being the lowest for military members. Progressive also provides affordable quotes, especially for high-risk drivers. However, rates vary by state and driver profile, so comparing multiple insurers is the most effective way to find the cheapest option.
How do I find the cheapest auto insurance quotes?
To find the cheapest quotes, gather estimates from at least three to five insurers online or through agents. Use comparison websites for quick results. Consider discounts for safe driving, bundling, or student status. Always balance cost with coverage to avoid paying less upfront but more out-of-pocket later.
Does location affect the cheapest auto insurance quotes?
Yes, location plays a major role in auto insurance rates. Urban areas with high traffic and accident risks often have higher premiums, while rural areas can be cheaper. States also regulate insurance differently, so the cheapest insurer in one state may not be the most affordable in another.
Can driving history impact the cheapest auto insurance quotes?
Absolutely. Drivers with clean records usually get the lowest quotes, while those with accidents, speeding tickets, or DUIs pay much more. Insurers reward safe drivers with discounts, making it vital to maintain good driving habits. Over time, a clean record significantly lowers auto insurance costs and improves savings.
Are cheap auto insurance quotes always the best choice?
Not always. While low rates help you save money, it’s important to check coverage details. A bare-minimum policy might leave you underinsured in an accident. The best choice balances affordability, coverage, and customer service. Sometimes paying slightly more ensures stronger protection, peace of mind, and fewer financial risks.
