Insurance One Near Me Cheap and Low Cost Car Auto

Are you looking for cheap insurance for your car? You’ve come to the correct spot. NerdWallet evaluated auto insurance rates across the country to identify the most affordable car insurance rates for various drivers:

  • The most affordable car insurance company in general: Geico
  • The cheapest insurance after accidents: Geico
  • The least expensive option following the DUI: American Family
  • The most affordable option for people with poor credit is Geico

If you’re looking for the best of the best look no further than NerdWallet’s list of the most affordable car insurance companies.

Since the most affordable choice is most likely to be the state’s minimum requirements for car insurance so we concentrated our research on the minimum requirements. In several states, it is called liability-only car insurance which covers damage to property and medical bills for other people caused by accidents that you cause.

The reasons to trust our recommendations Editors and writers adhere to strict guidelines in the area of editorial to ensure accuracy and fairness in our writing and data analysis. We can rely on the rates we provide because our data analysts employ strict measures to eliminate outliers and errors in pricing information, which contain rates from each ZIP code within the nation where coverage is available and data is accessible. When comparing rates for various rates, coverage levels, as well as backgrounds alter only one factor at a time, which means you’ll be able to see the effect each factor has on pricing. Read our methodology.

The cheapest car insurance company: Geico

Geico is the most affordable major auto insurance provider across the United States according to NerdWallet’s most recent study of coverage minimum rates. Geico’s annual average was $354 or 29 dollars per month. Geico also got a 4.5-star review from NerdWallet which you can look over the Geico automobile insurance reviews to find out the reasons.

Cheap auto insurance from the largest companies

CompanyAverage annual rateAverage monthly rate
1. Geico$354$29
2. State Farm$452$38
3. Progressive$619$52
4. Farmers$620$52
5. Allstate$666$55
USAA*$356$30
*USAA auto insurance is available only to military, veterans and their families.

Cheap auto insurance from smaller companies

Finding cheap car insurance doesn’t necessarily mean you should stay with big insurance companies. Central Insurance, MMG and Secura smaller insurers, which provide coverage across multiple states, are even more affordable insurance rates for cars than Geico.

Although availability may be limited Small and regional insurers might be able to beat the most affordable automobile insurance rates from the larger companies. They also often provide outstanding customer service.

CompanyAverage annual rateAverage monthly rate
1. Central Insurance$257$21
2. MMG$287$24
3. Secura$319$27
4. Hastings Mutual$428$36
5. Mutual of Enumclaw$499$42

We picked these companies due to their affordable rates and the fact that they are available across a variety of states. However, there are cheaper auto insurance options in the area you reside. For instance, a lot of Farm Bureau insurance firms are only available in a single state however they were usually among the most affordable when we looked at our research.

How we found the cheapest companies

The editorial team at How to Apk looked at the minimum coverage rates for car insurance from the company that provides pricing analytics Quadrant Information Services. Our study looked at 40-year-old drivers across all ZIP codes in fifty U.S. states and Washington, D.C. With different driving styles and credit scores. All drivers owned a new Toyota Camry L.

Another option is full coverage, however, it could cost you over 1000 dollars more annually in comparison to the minimum annual policy. That’s because it comes with additional coverage like uninsured/underinsured motorist protection and comprehensive and collision insurance.

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Cheap car insurance by state

What is considered cheap insurance for your vehicle will differ according to where you live since rates differ between states.

For the purpose of comparison, we identified the lowest-cost car insurance provider for each state in addition to Washington, D.C.

StateCheapest companyAverage annual rate
AlabamaGeico$261
AlaskaGeico$274
ArizonaGeico$272
ArkansasSouthern Farm Bureau Insurance$261
CaliforniaGeico$374
ColoradoAmerican National$192
ConnecticutGeico$421
DelawareGeico$568
FloridaGeico$704
GeorgiaAuto-Owners$314
HawaiiGeico$285
IdahoAmerican National$135
IllinoisPekin$234
IndianaPekin$195
IowaWestern National$164
KansasState Farm$322
KentuckyKentucky Farm Bureau$389
LouisianaGeico$443
MaineGeico$176
MarylandGeico$559
MassachusettsState Farm$209
MichiganTravellers$106
MinnesotaNorth Star$259
MississippiState Farm$337
MissouriColumbia$289
MontanaState Farm$213
NebraskaEMC$181
NevadaGeico$329
New HampshireMMG$209
New JerseyAmica$539
New MexicoCentral Insurance$224
New YorkMain Street America$572
North CarolinaGeico$278
North DakotaNodak$174
OhioErie$211
OklahomaGeico$247
OregonState Farm$443
PennsylvaniaGeico$181
Rhode IslandState Farm$310
South CarolinaAmerican National$217
South DakotaFarmers Mutual of Nebraska$172
TennesseeGrange Insurance Company$193
TexasGeico$377
UtahGeico$305
VermontUnion Mutual$182
VirginiaGeico$305
WashingtonGrange Insurance Association$327
Washington, D.C.Geico$374
West VirginiaErie$298
WisconsinGeico$203
WyomingGeico$170

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