Switching car insurance companies can feel like a chore. However, we have done some of the legwork for you by finding the best cheap car insurance for different types of drivers. These include good drivers, those with an accident on their record, and those with poor credit. Shopping for a new car insurance policy can also be time-consuming, but we aim to make it easier for you. We have researched and identified the most suitable options for various driver profiles.
Cheapest car insurance for good drivers
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $1,412 |
| Auto-Owners | $1,628 |
| Geico | $1,716 |
| Westfield | $1,759 |
| National Average | $2,067 |
USAA offers the most affordable car insurance for good drivers. However, only members of the military community and eligible family members can qualify for coverage.
If you don’t qualify for coverage with USAA, there are other options to explore. Consider checking out Auto-Owners, Geico, and Westfield, which also provide low rates for good drivers compared to the national average.
Cheap car insurance after an accident with injuries
| COMPANY | ANNUAL RATE |
|---|---|
| USAA | $2,093 |
| Auto-Owners | $2,145 |
| Westfield | $2,458 |
| Geico | $2,487 |
| National average | $2,897 |
USAA stands out as the most affordable option for drivers responsible for a collision leading to injuries, with a slight edge over Auto-Owners.
Both Westfield and Geico provide rates below the average, making them viable alternatives for those at fault in an accident with injuries.
Drivers should anticipate a significant rate hike if they are responsible for an accident resulting in injuries. If you fall into this category, it’s essential to obtain car insurance quotes from these particular insurers.
Cheap car insurance after an accident with property damage
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $2,079 |
| Auto-Owners | $2,145 |
| Geico | $2,451 |
| Westfield | $2,458 |
| National average | $2,844 |
If you are a driver who caused a crash resulting in property damage, Auto-Owners can be a great option for you. In case USAA membership is not available to you, consider Geico and Westfield as they also offer decent rates for this group. You may find considerable savings compared to the national average with these insurance providers. However, keep in mind that rates tend to increase steeply from this point onward, according to our analysis.
Cheap car insurance for drivers with a DUI
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $2,751 |
| Progressive | $2,776 |
| American Family | $2,983 |
| State Farm | $3,235 |
| National average | $3,454 |
Having a DUI on your record usually results in a significant rate increase. However, some insurers provide rates below the national average despite this. USAA is known for offering the most affordable coverage after a DUI. Still, Progressive comes in a close second with competitive rates.
Cheap car insurance for drivers with a speeding ticket
| COMPANY | ANNUAL RATE |
|---|---|
| USAA | $1,709 |
| Westfield | $2,001 |
| Geico | $2,098 |
| Auto-Owners | $2,250 |
| National average | $2,502 |
Getting a speeding ticket can increase your car insurance rate. However, there’s a way to mitigate the financial impact. By shopping around, you may find the increase isn’t as severe as you initially thought.
USAA offers excellent rates for this category of drivers, but it’s worth noting that eligibility is limited. If you don’t qualify for USAA, don’t worry; there are several other options available.
Many other insurance companies tend to charge below the national average for this particular group of drivers. So, explore your alternatives before making a decision.
Cheap car insurance for 16-year-old driver on a parent policy
| COMPANY | ANNUAL RATE |
|---|---|
| Erie | $1,594 |
| Nationwide | $1,774 |
| Geico | $1,952 |
| USAA | $2,036 |
| National average | $2,512 |
Teen drivers often come with high insurance costs. However, there are affordable options available if you plan to add a teen to your policy. One such option is Erie, which offers the cheapest average rates for adding a 16-year-old driver to a parent’s policy. If Erie doesn’t cover your area, you can consider Nationwide, which provides the second lowest rates.
Cheap car insurance for young drivers, 18 to 25
| COMPANY | ANNUAL RATE |
|---|---|
| USAA | $2,774 |
| Geico | $3,332 |
| Auto-Owners | $3,382 |
| State Farm | $3,795 |
| National average | $4,521 |
Young drivers often face some of the highest insurance rates compared to other driver profiles. When it comes to individuals aged between 18 and 25, there are several insurance companies worth considering for coverage. USAA, Geico, and Auto-Owners are among the top choices. Interestingly, State Farm, although not on our list of best car insurance companies, does offer competitive rates specifically for this particular group of drivers.
Senior drivers, like teen drivers, might face higher than average rates, emphasizing the importance of shopping around. For senior drivers, Auto-Owners offers the most affordable average annual rate, following closely behind USAA. If you are in your 60s, 70s, or 80s, it’s worth checking for discounts on defensive driving courses that can potentially lower your insurance rates.
Cheap car insurance for drivers with poor credit
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Geico | $2,426 |
| USAA | $2,594 |
| Nationwide | $2,771 |
| Westfield | $2,964 |
| National average | $3,629 |
The national average for drivers with poor credit is significantly high in our analysis. However, young drivers on their own policy stand out as an exception. USAA doesn’t always provide the cheapest rates, contrary to this particular instance. Geico, on the other hand, takes the lead in offering the most affordable rates.
Comparing the average rates of USAA and Geico, there’s only a slight difference. Considering this, USAA becomes a viable option worth exploring, if it’s accessible to you.
Cheap liability car insurance
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $367 |
| Auto-Owners | $389 |
| Westfield | $439 |
| American Family | $448 |
| National average | $635 |
States typically mandate car owners to have liability insurance, which can be a significant cost within a car insurance policy. If you’re seeking the most affordable liability insurance, two good options are USAA and Auto-Owners. These companies provide average annual rates that are notably lower than the national average.
Cheapest car insurer in your state
The cost of your insurance is influenced by where you live and the insurer you select. Check out the table below to find the most affordable car insurance companies for good drivers in each state. Keep in mind that USAA may offer the cheapest coverage in certain states, but it’s exclusive to the military community. Therefore, we’ve included the next most affordable insurer for general eligibility.
If you qualify for coverage through USAA, it’s advisable to obtain a quote to determine if it’s the best option for your budget.
| STATE | CHEAPEST COMPANY FOR GOOD DRIVERS | AVERAGE ANNUAL COST |
|---|---|---|
| Alabama | Travelers | $1,176 |
| Alaska | State Farm | $1,699 |
| Arizona | Root | $876 |
| Arkansas | Nationwide | $1,357 |
| California | Wawanesa | $1,470 |
| Colorado | Colorado Farm Bureau Mutual | $1,531 |
| Connecticut | Travelers | $1,399 |
| Delaware | Travelers | $1,525 |
| Florida | Geico | $2,771 |
| Georgia | Auto-Owners | $1,439 |
| Hawaii | State Farm | $1,207 |
| Idaho | American National | $422 |
| Illinois | Mercury | $1,388 |
| Indiana | Pekin Ins. | $808 |
| Iowa | Hastings Mutual | $604 |
| Kansas | Geico | $1,022 |
| Kentucky | Auto-Owners | $1,406 |
| Louisiana | Geico | $2,484 |
| Maine | Concord Group | $852 |
| Maryland | Travelers | $1,930 |
| Massachusetts | State Farm | $1,283 |
| Michigan | Secura Ins. | $988 |
| Minnesota | American Family | $1,597 |
| Mississippi | Direct General | $1,002 |
| Missouri | State Farm | $1,699 |
| Montana | Progressive | $1,234 |
| Nebraska | Geico | $898 |
| Nevada | Geico | $1,776 |
| New Hampshire | MMG Ins. | $828 |
| New Jersey | NJM | $1,370 |
| New Mexico | Nationwide | $1,370 |
| New York | NYCM Insurance | $2,986 |
| North Carolina | North Carolina Farm Bureau | $930 |
| North Dakota | Nodak Mutual | $748 |
| Ohio | Hastings Mutual | $512 |
| Oklahoma | Oklahoma Farmers Union | $1,686 |
| Oregon | QBE | $922 |
| Pennsylvania | Travelers | $1,916 |
| Rhode Island | State Farm | $1,233 |
| South Carolina | Travelers | $1,472 |
| South Dakota | Allied | $1,148 |
| Tennessee | Penn National Ins. | $1,048 |
| Texas | Geico | $1,861 |
| Utah | Geico | $1,230 |
| Vermont | Geico | $660 |
| Virginia | Penn National | $944 |
| Washington | Pemco | $1,129 |
| West Virginia | Nationwide | $1,196 |
| West Virginia | Nationwide | $1,196 |
| Wisconsin | Secura Ins. | $1,006 |
| Wyoming | American National | $546 |
How much is car insurance?
The average cost of car insurance for a good driver is $2,067, as per our analysis. The cost of coverage can vary depending on several factors. To find the cheapest car insurance, it’s advisable to obtain and compare at least three quotes.
Your coverage expenses will be influenced by the type and amount of coverage you select. For instance, a liability-only car insurance policy meeting your state’s minimum requirements will likely be more affordable than a full-coverage policy including liability, collision, and comprehensive coverage.
How to find the cheapest car insurance
Searching for the most affordable car insurance? These strategies can aid you in finding a suitable policy and a budget-friendly rate.
Comparison shop for options. Before finalizing a policy, obtain quotes from at least three different car insurance companies. This will allow you to assess average insurance costs and identify the insurer with the most economical coverage.
Be on the lookout for discounts. Discounts can effectively lower your rates. You might qualify for a discount if you bundle your home and auto insurance with the same company or include all household vehicles on a single policy. When seeking quotes, inquire about other potential discounts, like those for good students or vehicles equipped with safety features.
Purchase only what you truly need. Determine the specific types of car insurance and the level of coverage required for your circumstances before requesting quotes. Avoid obtaining unnecessary coverage, as it will only result in higher rates.
Keep in mind that this doesn’t necessarily imply you should opt for the minimum state-required insurance. For instance, if you own a costly new car, additional coverage like new car replacement may be a wise choice. Similarly, if you lease or finance your vehicle, gap insurance might be a prudent addition to your policy.
How much car insurance do you need?
- To comply with your state’s minimum car insurance requirements, ensure you purchase sufficient coverage.
- In most states, you are obligated to have bodily injury liability and property damage liability coverage at the very least.
- These coverage types compensate others for injuries, death, or physical damage caused by you.
- Additionally, liability insurance covers your legal defense if you are sued due to an accident, and it covers settlements or judgments within your policy limits.
- Depending on your location, you might also need to carry uninsured (and sometimes underinsured) motorist coverage.
- Personal injury protection (PIP) and medical payments (MedPay) coverage could also be required.
- Check with your state’s department of motor vehicles for the minimum limits of these coverage types, or your licensed insurer can provide this information.
- If you have a leased car or an outstanding loan, your lender may demand extra coverage like collision, comprehensive, and gap coverage.
- After meeting state or lender requirements, consider protecting your assets by carrying enough car insurance.
- This ensures you are safeguarded against potential losses in a lawsuit.
