Every auto insurance company is different, and even if one company offers a cheap auto insurance rate to one driver, that doesn’t mean it’ll be the best car insurance deal for you. NerdWallet analyzed auto insurance rates from 139 car insurance companies around the country to find cheap car insurance across several categories.
State Farm is the cheapest car insurance company among large insurers, with an average rate of $39 per month for minimum coverage.
American National offers the cheapest auto insurance among midsize companies, with an average rate of $27 per month.
NerdWallet recommends comparing car insurance quotes from three companies to get the most affordable rate possible.
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Sit back and relax Consistency is key Buy it Keep credit utilization below 30% Cash in loyalty points for free stays or discounted rates Hawaii weather and terrain American Express Allstate Publicly-traded REITs 2. American Airlines Cons 12. Start a virtual event planning company 11. Business planning service 2. Mutual funds Amazon Family 5. Vestiaire Collective 2. Digital assets 5. Rent out a room Exodus: 4.5 out of 5 stars Loss potential Saving and investing for retirement 8. Artificial intelligence How fast will it be? 1. No South American partners Baggage and boarding 5. Simplified business ownership 4. Sell some merch 1. Examine your cooling needs How to request a copy of your credit report 3. Secure funding Lake Las Vegas Shop with points via the American Express site Have the car inspected by a mechanic Experian business credit scores Refresh your holiday budget Your credit score could use some work 7. Plan to reassess How to maximize your rewards 6. Dividend funds Cheap full coverage auto insurance for drivers with an accident or DUI Additional standard deduction 2024 (taxes due 2025) Ways to build credit 13. IRA contributions deduction Capital One® Walmart Rewards™ Mastercard® 5. American Express Membership Rewards Your stolen stuff Loan limits 7. Gather your loan paperwork 4. Take advantage of an early bird discount Ages 65 to 74 Florida Fare flexibility/ticket changes 6. Decide whether you want to supplement your savings outside of a 401(k) 2023 tax rates by state 9. Kumon Math and Reading Centers Ages 35-44 2. Research index funds 15. Melting Pot 3. Submit your application Decide which type of money market fund is right for you Sole proprietorship taxation: Income and self-employed taxes Step 5: Draft an LLC operating agreement Work with a real estate agent to find your ideal second home U.S. Bank Altitude™ Reserve Visa Infinite® Card Investing in tech funds Exchange-traded funds 1-year target estimate Other VA refinance requirements Purchasing a Plumeria Lounge day pass 4. Hilton Gold elite status 1099-C Account linking Competition remains steady 5. Make money from your blog with affiliate links Mini CD ladder 5. Upwork Out of network Baggage and boarding 4. Borrow from your 401(k) Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket 1. Think long term versus short term Don’t skip free hotel breakfast 5. Money market funds Create an estate plan 7. Mobile apps and entertainment for children Use credit card perks, maybe Respond quickly to lender requests Step 5: Get a business credit card, business checking account Keep credit accounts open 1. Earn elite status Student loan scams How much is Max? Commercial auto insurance 5. Get insured Individual health care stocks Index funds 11. Software and app development 12. Tax consulting 6. Find and manage your supplies 1. Get a grasp on your new budget Government-backed loans Additional options Predictability 7. What asset allocation will you use? 2. Time it right Use points toward online purchases elsewhere Upside Xero Opportunity cost Earning rewards 6. Pick your investments Money Manager 14. 401(k) contributions deduction 4. Shop online with purpose Government bonds Airbnb Plus Make 10 years' worth of payments Paperwork and compliance Baggage and boarding 1. 'I’ll wait until the stock market is safe to invest.' How I bonds are taxed Public non-traded REITs Down payments and gift funds 16. Moe’s Southwest Grill 13. Sell zero-waste products Resident status rules 6. Brand your bakery Schedule C 6. Investment apps 9. Podcasting 9. Data entry guru Moving averages Develop good credit habits American Express Membership Rewards points 1099-CAP How to maximize your rewards Cheapest car insurance after a DUI Uneven splits 8. Use a do-over Venmo Small Business Grant Travel credits 2. Look into tax-loss harvesting Nevada In case of medical emergencies Space out credit applications Book a hotel with free breakfast or happy hour Social Security scams 1. Avoid filing your tax return on paper 10. Ace Hardware Ages 45-54 Fleet expense management tools Appraisal fee Pros: 3. Index funds 3. Loan processing takes over Coinbase Wallet: 4.4 out of 5 stars Withdrawal restrictions Earnings rates 5. Offer memberships Taxes 3. Look for equipment rebates and tax credits Redeem for gift cards Average annual car insurance costs from large companies What if you’re unsure whether you’re supposed to tip? Security 3. Traditional, in-person financial advisors How are my belongings covered? 6. Capital One Rewards Safeco vs. Liberty Mutual home insurance Seat selection Property standards How it works 8. Get a preapproval letter Perks await when you fly economy with elite status 6. Take advantage where you can Member: 0 to 4,999 TQPs VA loans Pack prepackaged snacks Chubb: Best for high-value homes 8. Shared accessories and attire Weather in the Bahamas 2. Use credit card statement credits to offset Frontier seat fees How much is Apple TV+? 7. The Business Platinum Card® from American Express Specialty or alternative funds Tax credits for low-to-middle-income households Bank certificates of deposit, or CDs 17. P.F. Chang’s 14. Make products for pets 12. Business coaching Chubb: Best overall cyber insurance for small businesses 1. Automate transfers 7. Create a marketing plan Set a price alert 2. Lack of guaranteed free checked bags on British Airways Winner for the best basic economy tickets: JetBlue Downside 1099-DIV Dividend per share (DPS) 15. Saver’s credit 3. Sell your castoffs New Hampshire Prepare yourself for the future as best as you can Monitor your credit reports Book lodging with a kitchen or mini-fridge Seat selection 2. 'I’ll buy back in next week when it’s lower.' 2. Get direct deposit 3. Japan Airlines 6. Get a business checking account and credit card Health care stock ETFs 3. Pick your index funds The insurer of last resort: Citizens Property Insurance Corporation Discount points Cons: 13. PR agency Check yields, fees and expense ratios 2. Call your issuer 10. Streaming service Step 6: File a Statement of Information 10. College consultant Donate to charity You've got significant debt 6. Sell your wares on Etsy How to have more taxes taken out of your paycheck AndroMoney Earning rates 5. Stop solving problems with new products 4. Debit card Select: 5,000 to 9,999 TQPs Purchase discounted Airbnb gift cards 4. Zipcar Conventional loans Airbnb Luxe Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account Sharing is caring — and budget-friendly Consider tools, education and features How quickly could the IRS implement the child tax credit expansion? Medicare scams Commercial umbrella insurance I bond tax benefits Private REITs 11. Snap-On Tools Ages 55-64 18. Pinkberry 15. Create custom clothing 13. College consulting Pay with points and miles 4. The underwriter makes a decision based on your documentation Rebook if you find a cheaper price Investment restrictions Solar panel incentives by state Upgradability Options Support and resistance Winner for premium cabin classes: tie Invest in your financial future What if you can’t afford to tip? Spending rewards Customer support Dividend yield Our pick for: Cell phone and internet bill payments Is there enough liability coverage? Our pick for: Flat-rate travel rewards 16. Health savings account contributions deduction Prudence's policy: Your next step Appendix: How the math works in our examples The Amplifier Grant Step 5: Register the business 6. High-yield savings accounts Step 6: Get funding 3. Stay on top of things Amica FHA appraisal Part-year resident status rules The Hartford: Best for adding coverage to a business owner’s policy Farmers vs. State Farm home insurance 3. No guaranteed mileage earnings on all airlines Citi Prestige® Card Pharmacy choice 8. What investment benchmarks do you use? Home equity loan 1099-G Prepared to put down roots? Cheap full coverage car insurance for drivers with poor credit Best insurance company for accident forgiveness: Geico 6. OfferUp 7. Citi ThankYou Points Safeco vs. Travelers home insurance Can you pay estimated taxes at any time? Upgradeability Step 3: Fill in Form 944 Part 2. South Dakota Methodology Apply for PSLF forgiveness Earning rates Tax scams How much is Peacock? 3. 'I’m bored of this stock, so I’m selling.' 19. Pizza Hut Escrow account funds 14. Professional organizing Elite status 2. Count your coins and bills Schedule SE An example of selling a call option Trust Wallet: 4.3 out of 5 stars Tax changes 3. Agree only to terms you can afford 11. 3D printing 11. Online tutor Resident status rules Paying with a private-party auto loan You don't want to be tied down How to have less taxes taken out of your paycheck Pros of a 203(k) loan 17. Self-employment expenses deduction Chase premium checking accounts 4. Set a budget for your stock market investment Scenario: Doctor visits and an MRI 5. Enter a debt management plan 4. Education accounts Where to get it 9. Choose a real estate agent carefully Select Plus: 10,000 to 19,999 TQPs 4. Earn badges through Live videos 4. Call in a pro Capital One 12. Pillar to Post Home Inspectors 7. Get financing Benefits 16. Sell vintage clothing online 7. Separate your business finances Step 7: Comply with tax obligations Utility-based clean energy incentives 3 disadvantages of sole proprietorship The risks and rewards of each 4. Buy the property 5. Discounted hotel rates 1099-INT User experience Cheapest auto insurance for poor credit 1Money What are the deductibles? 6. Sanitize your social feeds When to choose a debt consolidation loan FedEx Small Business Grant Contest Tennessee 9. Shared home improvement equipment Investment scams How much is Prime Video? Key person insurance So, which one? 4. One more thing to know about your tax refund 4. Decide where to buy your index funds 20. Red Robin 14. Tutoring Travelers: Best for cyber liability coverage 15. Photography Be flexible with destination, airport and dates After filing Travelers vs. Allstate home insurance Paying with a personal loan 7. Self-publish an e-book Cons of a 203(k) loan 18. Home office deduction Allianz Global Assistance What happens if I forget to pay my quarterly taxes? Corporate bonds Where is the best place to exchange currency? 5. Use a rewards card to pay for Airbnb Cheapest auto insurance in Florida for 20-year-olds after a DUI Use credit card deals Take advantage of promotions Upgradeability Past years' state tax rates Drawbacks Tax credits for investing in retirement 17. Begin niche blogging Methodology Nonresident status rules Flood determination and monitoring fees 3. Prep for grocery shopping 5. Your loan is cleared to close Additional taxes Farmers vs. Allstate home insurance 12. E-commerce 1. No liability protection 9. Who is your custodian? Home equity line of credit Your mortgage payments would stretch your budget Reviews How to maximize your rewards Dividend payout ratio How to use a W-4 to owe nothing on a tax return Gap Good Rewards Mastercard® Credit Card 8. Bank of America® rewards 1. Live in the house for at least two years Refinancing When to choose a balance transfer credit card 10. Narrow down your ideal type of house and neighborhood Tory Burch Foundation Fellows Program Step 4: Fill in Form 944 Part 3. Select Executive: 20,000+ TQPs VA loans Texas 7. CDs How do you get a perfect credit score? SAVE benefits available by October 2023 13. Keller Williams 21. Starbucks 15. Online fitness trainer 4. Exchange-traded funds MetaMask: 4.0 out of 5 stars 12. Translator Paying by cash or check How much is auto insurance after an at-fault accident? 1099-K What if you’re unhappy with the service? How's your job security? 19. Educator expenses deduction Bonzah How do I find a currency exchange near me? Airport lounge access Get free airport food How much is Sling TV? Mortgage insurance Three Insurance: Best for comprehensive insurance coverage Government recording fees 16. Event space Freshen up your merchandise 3. Precious metals Golden crosses and death crosses 5. Secure a gas supplier contract Amex EveryDay® Credit Card 7. Poshmark Scenario: Trip to the ER 2. See whether you qualify for an exception How can I make paying quarterly taxes easier? 5. Build a community Conventional loans Country Financial: Best for using an agent SAVE benefit starting in February 2024 Directors and officers insurance Value per point 4. United Airlines 22. Wingstop 18. Become an e-book writer 8. Secure business funding Part-year resident status rules 10. What tax hit do I face if I invest with you? Travelers vs. Geico home insurance Rewards rate Save 20. Solar tax credit Rental Cover 5. ABLE Accounts Where can you exchange currency for free? Pros Washington Property-based passive income ideas 10. Vacation rentals Auto-Owners 14. FastSigns 5. Buy index funds 16. SEO consulting Loan-origination charges 17. Interior decorating Your goals and time horizon 13. Portable charging devices Step 8: Don’t forget federal requirements 13. Cybersecurity consultant Capital One Venture X Rewards Credit Card Healthy Paws vs. Trupanion 2. Harder to get financing and business credit Cash-out refinance 8. Get advertising revenue from your blog or YouTube channel 5. Focus on investing for the long-term 3. Keep the receipts for your home improvements 7. Make a budget 5. Credit card Step 5: Fill in Form 944 Part 4. 6. Book through an airline portal SAVE benefits available by July 2024 How much is Fubo TV? Tax credits for education 23. Red Lobster 1. Choose a stockbroker Take clear photos 1099-LTC Are you financially prepared? Our pick for: Customizable bonus categories 21. Energy efficient home improvement tax credit Sure How it works Hotel status Cons The cabin Premium cabin award availability Cryptocurrency pros 19. Start ghostwriting Mortgage insurance or fees for government-backed loans 18. Woodworking or furniture building 4. Minimize restaurant spending Electrum: 2.5 out of 5 stars Risk tolerance and diversification 6. Obtain necessary permits and licenses 1. Decide what type of investor you are. Best insurance company for having few customer complaints: American Family Compare car insurance rates for drivers with a DUI Gifting large sums of money to family Cheapest full coverage car insurance in Florida for 30-year-olds Step 6: Find and maintain clients Wyoming 8. Buy a rental property 11. Electronics repair 15. Merry Maids 17. Selling handmade goods 9. Decide on your menu
4. Collectibles 14. Transcriptionist Nationwide vs. Allstate home insurance Nonresident status rules Invest Hurricanes 1099-MISC 22. Electric vehicle tax credit 11. Stick to your budget 2020-2022 earned income credit amounts Pay off debt 6. Keep an eye on your index funds 20. Become a resume writer 2. Fund your account Write an honest description 14. Publishing e-books Personal loan Winner for lowest fees: Tie American Express® Green Card Where to get it Step 6: Fill in Form 944 Part 5. Transfer partners Floods Cryptocurrency cons 24. American Eagle California earned income tax credit (CalEITC) Pest inspection 19. Graphic design 15. Travel planner 3. It’s harder to sell your business Testing a resistance level 7. Get business insurance Cheapest car insurance for young drivers 6. Manage your stock portfolio Conventional loans 7. Message the host Paying for vacations, cars or other stuff 9. Rent out your own house Home purchase: Basic Home Mortgage 203(b) 21. Open a coworking space 18. Virtual thrift shop 5. Get discounts on entertainment Healthy Paws vs. Pets Best 1099-NEC 9. Become an Instagram influencer Our pick for: Maximized value 8. Find your 'why' Step 7: File Form 944 and make a payment to the IRS, if necessary. Avoid taking on more debt Partner award opportunities How to compare life insurance quotes Chubb 25. Anthropologie California young child tax credit (YCTC) 10. Obtain bakery equipment
Prepaid expenses 3. Do your research 20. Clothing boutique Price clothes to sell 5. Commodities 15. Fitness tech Benefits Nationwide vs. Geico home insurance 8. Market yourself Pay off debt 1. Has the W-4 form changed? MyLowe’s Rewards Credit Card Giving a laid-back loan Cheapest minimum coverage car insurance in Florida for 30-year-olds 1. Pick which types of I bonds you want to buy FHA refinance loans 16. Fundraiser Capital One Venture Rewards Credit Card Credit cards Average car insurance costs after a speeding ticket FHA loans 12. Make the most of walk-throughs and open houses 10. Get a roommate 12. Academics courses Wait to apply Life insurance quotes vs. rates Tax credits for green purchases 26. Banana Republic 22. Become an online coach 19. Affiliate marketing California child and dependent care tax credit 4. Buy the stock 21. Bed and breakfast 6. Map out major purchases For credit scores of 690 or higher Drawbacks Hail 1099-OID Card ecosystem Setting up joint bank accounts Earthquakes 8. Hire staff Tax monitoring and research fees 6. Real estate 16. Online teaching American Express® Gold Card 2. What does it mean to be exempt from taxes? 2. Choose how much you want to invest. How it works 6. Mobile via IRS2Go NJM: Best small regional insurer Alternative investment passive income ideas How much are car insurance quotes? 27. DSW 23. Flip failing websites 20. Accounting or bookkeeping California adoption cost tax credit 11. Price your products
22. Food truck 17. Medical billing and coding 1. What does "sole proprietor" mean? Repeat 1099-PATR 10. Monetize your Twitch channel Our pick for: Bank of America® customers Step 7: Invest in advertising and expanding Wildfires 2. Decide how much you want to invest in I bonds FHA renovation loans Title-related costs Ledger: 5.0 out of 5 stars 17. Mobile application development Healthy Paws vs. Nationwide Cheapest auto insurance for senior drivers Comparing full coverage car insurance quotes Best insurance company for financial strength: Auto-Owners Above-the-line deductions Where to get it Cheapest auto insurance in Florida for 30-year-olds with poor credit 13. Language courses Hurricanes and tropical storms 28. J. Crew Factory 24. Become a web developer California nonrefundable renters tax credit 7. Restrict online shopping For any credit score 2. Can a sole proprietor have employees? NYC tax rate schedule Tornadoes 1099-Q 3. Gather your paperwork. 13. Don’t skip the home inspections 11. Peer-to-peer lending Other specialty FHA loans 21. Telemarketing 23. Restaurant or cafe 18. Video producing Average car insurance costs after a DUI Pros Farmers 3. Figure out how long to keep your I bonds 9. Write your day care contract and policies 29. Journeys 25. Start a podcast 18. Search engine optimization consultant 3. Does a sole proprietor need an EIN? 1099-R 3. When should I review my W-4? Below-the-line deductions 22. Online personal assistant 24. Craft brewery Trezor: 4 out of 5 stars The Platinum Card® from American Express Wildfires Which factors determine car insurance quotes? 30. Madewell 26. Be a social media influencer 8. Delay purchases with the 30-day rule 19. Social media consultant 19. Publicist American Express® Gold Card 4. How do you change from sole proprietor to LLC? Dividends and preferred stock 1099-S 11. Sell your photography 4. Pick your investments. Pros 14. Negotiate with the seller Compare auto insurance rates for drivers with poor credit Credit required Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket 12. Private equity 14. Business or marketing courses 23. Data entry 12. Set the atmosphere Embrace vs. Healthy Paws 4. Can I adjust my W-4 multiple times throughout the year? Cons How it works Food and drinks 31. Old Navy Real estate agent commissions 25. Ice cream shop TJX Rewards® Platinum Mastercard® 7. Same-day wire transfer 27. Create online courses 24. Transcription 9. Get creative with gifts SafePal: 3.8 out of 5 stars 20. Drone videography 20. Customer service representative Selling bonds 1099-SA Our pick for: Prime gaming Our pick for: Paying rent Where to get it USAA: Best for military and veterans 32. Target Circle Property and transfer taxes 26. Personal chef 7. Private equity 9. Familiarize yourself with your day-to-day responsibilities Cons 15. Buy adequate home insurance Overseas acceptance 15. Personal wellness Geico Sinkholes 28. Become a marketing consultant 25. Travel planning 21. Cybersecurity or IT consulting American Express® Business Gold Card Best insurance company for discounts: Amica Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash 13. Crypto staking Title insurance 27. Landscape services 21. Pet sitter or dog walker Elite status program Embrace vs. Trupanion 10. Lower your car costs Alternative investment pros Methodology Capital One Savor Cash Rewards Credit Card * Apple Cash: digital card 33. Aveda 29. Develop an app 26. Cybersecurity and IT consulting 28. Pet grooming Winner for lowest fees: Spirit 22. Venture capitalist 22. Arts and crafts master 12. Become a dog walker with Rover or Wag Your house Look up the insurer’s financial strength 16. Courses in hobbies or interests 34. BareMinerals 29. Florist 11. Reduce your gas usage 23. Accountant Your location How it works Cheapest auto insurance in Florida for 30-year-olds after a DUI Benefits of FHA loans 30. Make a smart appliance Average annual car insurance costs for drivers with good vs. poor credit Cash App debit card 8. Check, money order or cashier’s check Product creation passive income ideas 35. Clinique 27. Online therapy Alternative investment cons 23. Startup incubator 24. T-shirt designer The Business Platinum Card® from American Express Embrace vs. ASPCA You and your stuff Liberty Mutual Disadvantages of FHA loans 31. Tap into virtual reality experiences 30. Massage therapist Research the insurer’s reputation for customer service 13. Sell unused gift cards Costco Anywhere Visa® Card by Citi 17. Bookkeeping and accounting 36. CVS 28. PR consulting 12. Bundle cable and internet Citi® / AAdvantage® Executive World Elite Mastercard® Where to get it Individual stocks 14. Write content 32. Make a niche dating site 24. Antivirus developer 25. Cleaning service Roth IRA withdrawal rules Erie: Most generous coverage 37. e.l.f. Cosmetics 33. Develop a chatbot 29. Podcasting 31. Nutritionist 13. Switch your cell phone plan 25. Domain name broker Roth IRA withdrawal penalty Best insurance company for customer satisfaction: State Farm Our pick for: Target gaming purchases Cheapest full coverage car insurance in Florida for 40-year-olds 18. Consulting 38. Lancome 26. Massage therapist and wellness expert Winner for the best business class experience: Tie 14. List your spare bedroom on Airbnb Compare insurance rates for drivers with an accident 34. Offer matchmaking skills 32. Personal trainer or fitness instructor Dividend stocks 39. Sephora 30. Life coaching Nationwide 35. Be a virtual assistant 14. Reduce your electric bill 27. Personal trainer Delta SkyMiles® Platinum Business American Express Card 9. Cash 15. Publish a digital course 40. SmashBox 33. Beauty services How much is auto insurance for young drivers? Cheapest minimum coverage car insurance in Florida for 40-year-olds 31. Video production 19. IT support 41. The Body Shop 36. Reinvent exercising 34. Life coach 15. Lower your student loan payments 28. Interior decorator Verizon Visa® Card Car-related passive income ideas 32. Resume writing and career coaching Nationwide: Best online experience 42. Ulta 37. Create eco-friendly, health-friendly makeup and beauty products 29. Event planner 15. Sell your gently used clothes Best insurance company for military members: USAA 16. Cancel unnecessary subscriptions What is a prepaid debit card? Cheapest auto insurance in Florida for 40-year-olds with poor credit 16. Wrap your car with ads 20. Graphic design 38. Open a food truck or restaurant pop-up 33. Dropshipping 35. Tutor United Club℠ Infinite Card Progressive 30. Caterer 43. AMC Theatres 39. Start an organization business 36. Daycare provider 17. Refinance your mortgage What is a prepaid credit card? 17. Rent out a parking space Average annual car insurance costs for young drivers by company Our pick for: Walmart gaming purchases 44. Barnes & Noble 40. Do interior design for young professionals 34. Recruiting 31. Bed-and-breakfast manager 16. Trade in old phones, electronics for cash Where can you get a prepaid card? 10. IRS payment plan or installment agreement Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket Entertainment 21. Social media management 37. Senior care provider 18. Set savings goals 45. Redbox 35. Marketing consulting How do you add money to a prepaid card? Openly: Fewest consumer complaints 38. Interpreter or translator 32. Florist USAA 36. Online fundraising or grant writing Marriott Bonvoy Brilliant® American Express® Card Which prepaid card is best? Chase Freedom Flex℠ 39. Housecleaning 33. Day care manager 17. Get a babysitting gig Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash 22. Marketing copywriter 37. Online course teaching 19. Track spending 38. Online cooking instruction 40. Automotive repair 34. Rideshare driver 1. Gather your information 23. Virtual assistant services 20. Pay off high-interest debt 41. Handyman services 35. Photographer 18. Rent out your car Our pick for: PlayStation purchases Cheapest auto insurance in Florida for 40-year-olds after a DUI 39. YouTube channel 21. Keep savings in a high-yield savings account Prime Visa 42. Dry cleaners 36. Landlord Spa and gym State Farm: Best perks 40. Voiceover work 2. Choose the right liability car insurance coverage levels 43. Hardware store 22. Create a 50/30/20 budget 37. Hair stylist or makeup artist Discover it® Cash Back 1. Do your research 19. Sign up for TaskRabbit 41. Start a team 44. Self-storage business Cheapest full coverage car insurance in Florida for 50-year-olds 2. Get organized and make it official 38. Eldercare 45. Freelance copywriting and content creation Verizon Visa® Card 23. Shop consignment and thrift stores 39. Brewer How do you want to make money? 46. Rideshare driver 20. Become a private tutor 3. Find the right financing Cheapest minimum coverage car insurance in Florida for 50-year-olds How will you find work? 47. Website development and design 40. Tailor 48. Sell clothes online Our pick for: Best Buy purchases 3. Decide if you need full coverage car insurance You’re a first-time home buyer How much autonomy do you want? 24. Join initiatives to get free items 21. Drive for Uber, Lyft Wi-Fi 49. SEO consultant Cheapest auto insurance in Florida for 50-year-olds with poor credit 50. App development 1. Craft a business plan You live in a high-risk area 25. Use car sharing services 2. Carve out a dedicated workspace 22. Make deliveries for Amazon, Uber Eats Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket 3. Choose a business entity You have a dog 26. Stock up on household supplies when they’re cheap 4. Collect and compare car insurance quotes 23. Find work as a housesitter Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash You own valuable items 27. Enjoy community events Our pick for: Digital Microsoft Store purchases 24. Sign up to be a mystery shopper You own an older home 28. Cash in on your birthday Cheapest auto insurance in Florida for 50-year-olds after a DUI 25. Put your drone to work Compare car insurance companies Cheapest full coverage car insurance in Florida for 60-year-olds Conditions common to your dog’s breed Cheapest minimum coverage car insurance in Florida for 60-year-olds Your dog’s energy and activities Cheapest auto insurance in Florida for 60-year-olds with poor credit Wellness expenses Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket Decide whether your cat needs insurance Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash Wellness expenses Cheapest auto insurance in Florida for 60-year-olds after a DUI 1. Check whether your pet is eligible 2. Research what’s covered Cheapest full coverage car insurance in Florida for 70-year-olds 3. Decide how much coverage you want Cheapest minimum coverage car insurance in Florida for 70-year-olds 4. Understand reimbursements and deductibles Cheapest auto insurance in Florida for 70-year-olds with poor credit 5. Check waiting periods Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket 6. Examine extra costs Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash 7. Compare quotes Cheapest auto insurance in Florida for 70-year-olds after a DUI Show More Did your car insurance rates go up? Premiums are on the rise across the U.S. The best way to find cheap auto insurance is to shop around and compare quotes from at least three insurers.
Find the right car insurance at the right price Just answer a few questions to compare personalized insurance matches.
Cheap car insurance State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month. The company also earned a 5-star rating from NerdWallet, and you can read our State Farm auto insurance review to learn why.
Why you can trust NerdWallet's analysis
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology below.
Cheap auto insurance from large companies *USAA auto insurance is available only to military, veterans and their families.
How NerdWallet found cheap car insurance
NerdWallet’s editorial team analyzed minimum coverage car insurance rates from pricing analytics company Quadrant Information Services. Our analysis looked at 35-year-old drivers in all ZIP codes across the 50 U.S. states and Washington, D.C., with a variety of driving and credit histories. All drivers had a 2021 Toyota Camry LE.
Full coverage can cost almost $1,500 more a year on average than minimum coverage. That’s because it comes with additional coverage like uninsured/underinsured motorist protection and comprehensive and collision insurance .
If you have a car loan or lease, your lender will likely require you to buy comprehensive and collision coverage. These coverage types pay you if your car is stolen or damaged in an accident you cause, among other scenarios.
Read our methodology for more insights into how we ranked cheap car insurance companies.
Cheap car insurance from midsize companies Finding affordable car insurance doesn’t mean you have to stick with large insurers. Smaller insurers that offer coverage in multiple states may offer more affordable car insurance.
We chose these companies because of their relatively low rates for car insurance and availability in multiple states. But there may be more reasonable car insurance options where you live. Consider working with an insurance broker or independent agent to help compare rates with smaller, lesser-known companies.
Find the right car insurance at the right price Just answer a few questions to compare personalized insurance matches.
Cheap car insurance after a speeding ticket A speeding ticket on your driving history will likely increase how much you pay for car insurance. According to our analysis, State Farm offers the cheapest rates after a speeding ticket, with an average annual rate of $553, or $46 per month.
*USAA auto insurance is available only to military, veterans and their families.
Cheap auto insurance after an accident Depending on your driving record, the most affordable car insurance company varies. The table below shows average auto insurance rates from the largest companies for drivers with a recent accident on their driving record.
Our analysis found that State Farm has the lowest average rate for drivers with one at-fault accident, at $615 per year, or $51 per month.
*USAA auto insurance is available only to military, veterans and their families.
Cheapest car insurance after a DUI A DUI on your driving record can greatly increase how much you pay for car insurance. According to our analysis, Progressive tops the list of cheap car insurance companies after a DUI, at $716 per year, or $60 per month, on average.
*USAA auto insurance is available only to military, veterans and their families.
🤓 Nerdy Tip
Looking for the best car insurance deal? Try a smaller insurer. Drivers with violations like one at-fault accident or a recent DUI can often find the most affordable auto insurance rates with midsize insurers.
Cheapest auto insurance for poor credit *USAA auto insurance is available only to military, veterans and their families.
Many insurers also use credit-based insurance scores to help calculate car insurance rates. This can make it harder to get cheap vehicle insurance if you have poor credit.
California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.
Credit can have a shocking impact on auto insurance costs. Drivers with poor credit may pay over $300 more a year, on average, than those with good credit.
If you’re looking for affordable car insurance from a large company, Geico might be a good place to start if your credit is mixed. Based on our analysis of large insurers, the company has the lowest average rates for good drivers with poor credit, at $689 per year, or $57 per month, on average.
Find the right car insurance at the right price Just answer a few questions to compare personalized insurance matches.
Cheapest car insurance for young drivers Below are the most affordable companies for 20-year-old drivers.
*USAA auto insurance is available only to military, veterans and their families.
If you’re a young driver, you may have a hard time getting cheap car insurance. That’s because auto insurers view drivers without a recent driving history as riskier to insure. Same goes for drivers with a lapse in car insurance, immigrants and visitors to the U.S. If you live with your family, it may be cheapest to stay on their policy until your driving history is more robust.
Cheapest auto insurance for senior drivers Car insurance is relatively low when you first enter your golden years. According to our analysis, 60-year-old drivers with a good credit score and clean driving history enjoy some of the cheapest auto insurance rates. You can chalk this up to the years of driving experience 60-year-olds have under their belt. But as you reach your 70s, rates start to creep up.
Average annual rate for 60-year-old drivers
Average annual rate for 70-year-old drivers
*USAA auto insurance is available only to military, veterans and their families.
Cheapest car insurance by state You may be wondering, “What’s the cheapest auto insurance near me?” What counts as cheap auto insurance will be different depending on where you live, as rates vary widely from state to state.
For the sake of comparison, we found the cheapest car insurance company for minimum coverage, on average, in each state and Washington, D.C.
American Farmers & Ranchers
But state averages can tell you only so much. Even within a state, car insurance rates for minimum coverage can differ. That's why NerdWallet analyzed rates for some of the largest cities in the U.S.
Choose your city in the dropdown below to see cheap car insurance rates in your area.
The cheapest car insurance by city
How to get cheap car insurance If you’re looking to save money by getting the cheapest possible car insurance, here are six things you can try:
Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the best car insurance deal, but prices can change, so check roughly once a year.
Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.
Raise your deductible. The higher your deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.
Revisit quotes after your driving record improves. Shop for cheap auto insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.
Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.
Risks of getting cheap auto insurance Getting cheap car insurance usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
For example, in Florida, the minimum required property damage liability insurance is $10,000. This type of coverage is required in nearly every state and pays for damage you cause to other people’s stuff — like their car. But opting for low-cost liability insurance might not end up being the best option. If you live in Florida, have minimum coverage and total someone else’s vehicle in an accident, you’ll be on the hook to pay for any costs over $10,000.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit and run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance .
Frequently asked questions How do you get cheap car insurance?
Shopping around for car insurance quotes is the best way to find cheap auto insurance. Having good credit and a clean driving record can also keep your rates low. And be sure to ask about discounts you might be missing from your policy.
What cars are cheaper to insure?
According to a separate NerdWallet analysis of the cheapest cars to insure , the Subaru Outback and Crosstrek, Honda CR-V and Mazda CX-5 were the cheapest on average. Insurance companies typically consider theft rates, repair costs and how likely a car’s occupants and others involved in a crash will be injured when coming up with rates. If you’re in the market for a new ride and want to keep insurance rates low, avoid sports cars, high-end luxury cars and cars most likely to be stolen.
How can you find the best car insurance?
The best auto insurer will be the one that best suits your needs. And while price is important, the cheapest insurer isn't always the best. A top-notch insurer will provide a customer-first experience, whether you need help getting a quote or filing a claim. Check out NerdWallet’s best car insurance companies for a complete list.
Who has cheap auto insurance?
State Farm tops the list of cheapest car insurance companies in the U.S., according to NerdWallet’s analysis of minimum coverage rates for good drivers. Geico came in second, with an average rate of $41 per month, while Travelers came in third, at $43 per month.
At what age does car insurance get cheaper?
Teens and young drivers have some of the highest car insurance rates, on average. As you gain experience, you are more likely to find a cheap auto insurance rate. According to a separate NerdWallet analysis for young drivers, rates drop significantly around age 25. Generally, rates continue to drop throughout adulthood, and then start to rise again at age 70, with a more dramatic increase around age 75.
Is minimum coverage enough?
While sticking with your state’s bare minimum requirements may win you the cheapest car insurance rates, you may find yourself in a financial pickle if you seriously injure someone else, their property or wreck your own car. To learn more, read NerdWallet’s explanation of how much car insurance you really need .
How do you get cheap car insurance?
Shopping around for
car insurance quotes
is the best way to find cheap auto insurance. Having good credit and a clean driving record can also keep your rates low. And be sure to ask about discounts you might be missing from your policy.
What cars are cheaper to insure?
According to a separate NerdWallet analysis of the
cheapest cars to insure
, the Subaru Outback and Crosstrek, Honda CR-V and Mazda CX-5 were the cheapest on average. Insurance companies typically consider theft rates, repair costs and how likely a car’s occupants and others involved in a crash will be injured when coming up with rates. If you’re in the market for a new ride and want to keep insurance rates low, avoid sports cars, high-end luxury cars and cars most likely to be stolen.
How can you find the best car insurance?
The best auto insurer will be the one that best suits your needs. And while price is important, the cheapest insurer isn't always the best. A top-notch insurer will provide a customer-first experience, whether you need help getting a quote or filing a claim. Check out NerdWallet’s
best car insurance companies
for a complete list.
Who has cheap auto insurance?
State Farm tops the list of cheapest car insurance companies in the U.S., according to NerdWallet’s analysis of minimum coverage rates for good drivers. Geico came in second, with an average rate of $41 per month, while Travelers came in third, at $43 per month.
At what age does car insurance get cheaper?
Teens and young drivers have some of the highest car insurance rates, on average. As you gain experience, you are more likely to find a cheap auto insurance rate. According to a separate NerdWallet analysis for young drivers, rates drop significantly around age 25. Generally, rates continue to drop throughout adulthood, and then start to rise again at age 70, with a more dramatic increase around age 75.
Is minimum coverage enough?
While sticking with your state’s bare minimum requirements may win you the cheapest car insurance rates, you may find yourself in a financial pickle if you seriously injure someone else, their property or wreck your own car. To learn more, read NerdWallet’s explanation of
how much car insurance you really need
.