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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Start a virtual event planning company Plan N 11. Enjoy VIP experiences 4. Dining on your flight is on demand What do I need for my loan application? SBA lenders Amazon Family 5. Rent out a room 2. Mutual funds Publicly-traded REITs Fare flexibility/ticket changes Capital One Ongoing fees 9. Up to $240 in digital entertainment credit 3. Learn the difference between investing in stocks and funds Additional standard deduction 2024 (taxes due 2025) You want to maintain continuous coverage Account linking Fare flexibility/ticket changes 5. American Express Membership Rewards Your stolen stuff Buy IHG points 5. Financial information and projections 2023 tax rates by state 1099-C 6. Dividend funds 8. It has no foreign transaction fees What you need to get preapproved for a car loan 13. IRA contributions deduction Alcohol Hampton by Hilton Purchasing a Plumeria Lounge day pass Florida The premiums are expensive Nonrefundable fare after grace period for travel that originates elsewhere: Varies 2018 credit card bonus categories 12. Accelerated death benefits Travel 7. Gather your loan paperwork Other VA refinance requirements 4. Determine the best asset allocation for you Reevaluate your business finances U.S. Bank Altitude™ Reserve Visa Infinite® Card Don’t start a business with a friend just because you like each other. 5. Upwork Mini CD ladder 5. Make money from your blog with affiliate links The magic of compound growth Keep credit accounts open 10. Crowdfunding How does coverage vary for international rentals? 7. Mobile apps and entertainment for children International American Express Lounges Pay taxes and file information report WomensNet Grants The Biltmore Mayfair, London, U.K. 12. Tax consulting Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket 2. Time it right Eureka 1. Think long term versus short term 4. Borrow from your 401(k) Clear Methodology You applied for new credit recently 4. You could fall into a cycle of negative equity How to get credit for past backup withholding Customer satisfaction Land or sea border crossings Step 3: Review their franchise agreement Respond quickly to lender requests Baggage and boarding How much is Max? 4. Write a job description and post the opening 10. $189 Clear credit 5. Money market funds Why you might not want to roll a 401(k) to an IRA The most expensive fare: Southwest Business Select fare vs. Anytime fare Baggage and boarding Winner for lowest fees: Southwest Virginia Housing Conventional No Mortgage Insurance Make 10 years' worth of payments Look to travel insurance Payday alternative loans 1099-CAP 1. 'I’ll wait until the stock market is safe to invest.' Swappa, Gazelle Develop good credit habits 9. It includes travel protections 6. Pick your investments Government bonds Potentially confusing terms and conditions 14. 401(k) contributions deduction Money Manager 5. Select your retirement investments 13. Sell zero-waste products AARP membership Treasury securities AmEx EveryDay Cards Online lenders 2017 credit card bonus categories Public non-traded REITs Other free dining venues How to maximize your rewards Uneven splits Cheapest car insurance after a DUI Security Travel credits Space out credit applications 11. Business credit cards Resident status rules Take advantage of promotions with travel partners 6. Future plans 8. Use a do-over Watch the calendar Two-day ticket deals 3. Look for equipment rebates and tax credits 2. Look into tax-loss harvesting Excursions Fleet expense management tools 6. Andaz Mayakoba Resort Riviera Maya Nevada Complete your inventory and pricing Fare flexibility/ticket changes Limit orders Appraisal fee 3. Index funds 13. Disaster relief payments 1. Avoid filing your tax return on paper Reach out to your lender 11. Reimbursement of application fees for TSA Precheck or Global Entry How to maximize your rewards Set a price alert Chubb: Best for high-value homes 1. Automate transfers Act quickly 6. Capital One Rewards What is the procedure for filing a claim? 8. Shared accessories and attire Follow federal requirements Kitty Fund Mompreneur Business Grant 1099-DIV How it works Low PE ratio InboxDollars Surveys 4. Debit card 6. You can add different types of authorized users Methodology 14. Make products for pets Discounts 5. You get complimentary spa treatments in the Emirates First Class Lounge in Dubai The cash value is slow to grow 5. Manage your mutual fund portfolio 2016 credit card bonus categories Seat selection 8. Get a preapproval letter How much is Apple TV+? 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Interview and hire Get professional assistance Best insurance company for accident forgiveness: Geico Restaurants for Aqua Class and Retreat passengers Our pick for: Cell phone and internet bill payments You regularly borrow the same car from someone you don’t live with Winner for loyalty program: Delta SkyMiles Be polite Potential drawback Our pick for: Flat-rate travel rewards 1099-G Car insurance from specialty agencies Dividend yield Home equity loan Arrival Google Opinion Rewards Appendix: How the math works in our examples 16. Health savings account contributions deduction Step 5: Register the business Municipal bonds The cash value rate of return can be low Set your shipping prices Baggage and boarding Maybe, maybe not 3. Stay on top of things Citi Prestige® Card 13. Walmart+ Monthly Membership Credit 6. High-yield savings accounts 6. OfferUp Earning rates 2. Count your coins and bills Virginia Housing Plus Second Mortgage Apply for PSLF forgiveness 7. 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Use bullet points 1099-K Listing with Opendoor Dividend payout ratio Our pick for: An upgrade path Try not to use too much of your credit limit When to choose a balance transfer credit card J.D. Power Ranking Texas There can be tax implications if you withdraw cash from your policy Create your return and exchange policy Unique American perks Earning rates 1. Live in the house for at least two years How to cancel award tickets booked with Delta SkyMiles 4. Exchange-traded funds 10. Narrow down your ideal type of house and neighborhood Specialty dining restaurants 7. CDs Airport lounge access Best for Bonzah SCORE Allstate vs. Geico home insurance 16. Event space 19. Educator expenses deduction Hilton Honors Cards Online financing platforms Government recording fees How much is Sling TV? Capital One Don’t mix personal and business matters... 15. Centurion Lounge Complimentary Guest Access 7. 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Get advertising revenue from your blog or YouTube channel Why we love RVshare 1099-LTC Auto Club Group 3. Keep the receipts for your home improvements American Family Prior management and leadership experience How much is Fubo TV? Best insurance company for having few customer complaints: American Family 16. Upgrade to Marriott Bonvoy Gold Elite status 5. Focus on investing for the long-term How to maximize your rewards Hotel status 4. Minimize restaurant spending Sure Cons Our pick for: Customizable bonus categories Allstate vs. Farmers home insurance 18. Woodworking or furniture building 21. Energy efficient home improvement tax credit Loyalty programs Cryptocurrency pros 19. Start ghostwriting 2. Use a Hyatt credit card during your stay to earn even more points Bond funds Marriott Bonvoy Cards AM Best Mortgage insurance or fees for government-backed loans J.D. Power Ranking Discover …but don’t let your business take over your friendship. Selling a put example 1. Decide what type of investor you are. More from NerdWallet 11. Electronics repair Confirm the grant is available Canopy by Hilton Cape Town Longkloof, Cape Town, South Africa 1099-MISC No-credit-check loan example Cheapest full coverage car insurance in Florida for 30-year-olds Invest Earthquakes Step 6: Find and maintain clients Compare car insurance rates for drivers with a DUI Wyoming American Modern 17. Upgrade to Hilton Honors Gold status 8. Buy a rental property 2020-2022 earned income credit amounts Winner for credit card availability: Delta Air Lines 4. Play to your strengths Where to get it Personal loan Winter weather Our pick for: No security deposit, low annual fee 22. Electric vehicle tax credit 20. Become a resume writer Airline fleet pages 5. Optimize your stock portfolio Full-time availability 11. Stick to your budget Lean FIRE Tornadoes Transfer partners USDA (Rural Housing Service) Be aware of key dates 19. Graphic design Gifting large sums of money to family Cryptocurrency cons Flooding Pest inspection Farmers Methods of payment NCQA Score Range: 2.5 to 4.5 out of 5 18. Money-saving perks for stays booked through The Hotel Collection Cheapest car insurance for young drivers 5. Get discounts on entertainment California earned income tax credit (CalEITC) 5. Get a test reader 1099-NEC Venmo Credit Card Tornadoes 21. Open a coworking space 9. Rent out your own house 6. Manage your stock portfolio Our pick for: Maximized value 9. Become an Instagram influencer Review eligibility requirements 20. Clothing boutique Pay off debt How to compare life insurance quotes J.D. Power 6. Know when to sell stocks — and when not to Prepaid expenses Foremost The winner: Discover, by a nose 19. Complimentary benefits through Fine Hotels & Resorts 1. Has the W-4 form changed? Fat FIRE Winter storms California young child tax credit (YCTC) Cash advance apps Auto-Owners Cheapest minimum coverage car insurance in Florida for 30-year-olds Paying for vacations, cars or other stuff Flooding Excellent financial history Capital One Venture Rewards Credit Card 6. Map out major purchases 12. Academics courses 1099-OID 21. Bed and breakfast Life insurance quotes vs. rates 6. Mobile via IRS2Go 22. Become an online coach Geico 12. Make the most of walk-throughs and open houses 10. Get a roommate Reasons to take pause before renting from RVshare Barista FIRE Card ecosystem California child and dependent care tax credit Consider funding alternatives Laid-back loans Etsy fees for sellers NCQA Tax monitoring and research fees Be available for training 2. What does it mean to be exempt from taxes? 2. Choose how much you want to invest. How much are car insurance quotes? NJM: Best small regional insurer 1099-PATR How it works 22. Food truck Repeat Our pick for: No security deposit, low annual fee, potentially high credit limit 23. Flip failing websites Progressive Best insurance company for financial strength: Auto-Owners 20. Free shipping with ShopRunner Alternative investment passive income ideas 10. Monetize your Twitch channel Fully underwritten life insurance California adoption cost tax credit Our pick for: Bank of America® customers Joint bank accounts Step 7: Invest in advertising and expanding Title-related costs Capital One Cheapest auto insurance for senior drivers The value of Southwest Wanna Get Away (and Plus) vs. Anytime fares 7. Restrict online shopping 13. Language courses 1099-Q S&P 500 PE ratio Cheapest auto insurance in Florida for 30-year-olds with poor credit Spring storms and hail Above-the-line deductions 24. Become a web developer State Farm 21. Concierge service 3. Gather your paperwork. Winner for business class: Delta Air Lines California nonrefundable renters tax credit Where to get it 23. Restaurant or cafe 13. Don’t skip the home inspections 11. Peer-to-peer lending Buy now, pay later 1099-R Farmers 25. Start a podcast USAA 22. Low fares through the International Airline Program 3. When should I review my W-4? Simplified issue life insurance 24. Craft brewery Below-the-line deductions Which factors determine car insurance quotes? 8. Delay purchases with the 30-day rule 1099-S Shiller PE ratio Capital One® Walmart Rewards™ Mastercard® 26. Be a social media influencer American Express® Gold Card 23. Savings with the Cruise Privileges Program 4. Pick your investments. 11. Sell your photography Credit required 14. Business or marketing courses Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket Our pick for: Average credit and rewards 7. Same-day wire transfer Compare auto insurance rates for drivers with poor credit Pros Panera bread 14. Negotiate with the seller 12. Private equity 4. Can I adjust my W-4 multiple times throughout the year? How renting from Cruise America works Guaranteed issue life insurance The value of Business Select vs. Anytime fares How it works 25. Ice cream shop Real estate agent commissions 24. Car Rental Privileges 9. Get creative with gifts 1099-SA 27. Create online courses The value of Business Select vs. Anytime fares Our pick for: Prime gaming USAA: Best for military and veterans Our pick for: Paying rent Where to get it 26. Personal chef Online loans Property and transfer taxes Coverage options Discover Best insurance company for discounts: Amica 25. Deals through the Amex Auto Purchasing Program Overseas acceptance 15. Personal wellness The Hanover 28. Become a marketing consultant Cons McDonald’s 15. Buy adequate home insurance 27. Landscape services Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash Title insurance 26. An extra point when booking Platinum Destinations Vacations 13. Crypto staking 10. Lower your car costs Co-signed or joint loans Capital One Savor Cash Rewards Credit Card * Winner for lowest fees: Spirit 28. Pet grooming Our pick for: Average credit and no annual fee 29. Develop an app Deductibles Dunkin’ Apple Cash: digital card 27. Additional value through the InCircle rewards program 12. Become a dog walker with Rover or Wag How does Cruise America insurance work? 11. Reduce your gas usage 16. Courses in hobbies or interests How it works 29. Florist Secured loans 8. Check, money order or cashier’s check 28. AmEx Carbon Emissions Tracker Cheapest auto insurance in Florida for 30-year-olds after a DUI 30. Make a smart appliance Company strength and customer service Why we love Cruise America Where to get it Nationwide Cash App debit card Product creation passive income ideas 30. Massage therapist Family loans 31. Tap into virtual reality experiences The winner: It’s a toss-up 13. Sell unused gift cards 12. Bundle cable and internet 17. Bookkeeping and accounting 1. Look at customer satisfaction scores Citi® / AAdvantage® Executive World Elite Mastercard® 29. The Global Dining Access by Resy Individual stocks Our pick for: Limited credit 32. Make a niche dating site Add a personal bio and photo 14. Write content Roth IRA withdrawal rules Reasons to take pause before renting from Cruise America Erie: Most generous coverage Payment plans 2. Consider financial strength Best insurance company for customer satisfaction: State Farm 30. Exclusive events 13. Switch your cell phone plan 31. Nutritionist 33. Develop a chatbot Sports decks Our pick for: Target gaming purchases Roth IRA withdrawal penalty 18. Consulting Credit union loans Cheapest full coverage car insurance in Florida for 40-year-olds 3. Evaluate the policy options Add images 31. An open invitation to events with Membership Experiences 14. List your spare bedroom on Airbnb State Farm 32. Personal trainer or fitness instructor 34. Offer matchmaking skills Compare insurance rates for drivers with an accident Capital Good Fund Dividend stocks 9. Cash 32. A better view with American Express Preferred Access 14. Reduce your electric bill 4. Get prices from a handful of companies 35. Be a virtual assistant Rearrange your items Delta SkyMiles® Platinum Business American Express Card 33. Beauty services Our pick for: Good credit The Rooftop Terrace 15. Publish a digital course Cheapest minimum coverage car insurance in Florida for 40-year-olds Add sections How renting from Outdoorsy works 15. Lower your student loan payments 19. IT support 34. Life coach 36. Reinvent exercising Add your shop’s "about" section Best insurance company for military members: USAA 33. No foreign transaction fees Car-related passive income ideas Nationwide: Best online experience Travelers 37. Create eco-friendly, health-friendly makeup and beauty products 15. Sell your gently used clothes 16. 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CreditSecure How to compare renters insurance Reasons to love Outdoorsy Openly: Fewest consumer complaints 38. Interpreter or translator How do you add money to a prepaid card? Our pick for: Instant gratification Marriott Bonvoy Brilliant® American Express® Card 39. Housecleaning Which prepaid card is best? 17. Get a babysitting gig Reasons to take pause before renting from Outdoorsy 19. Track spending 22. Marketing copywriter Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash 38. Cell phone protection 40. Automotive repair 39. Purchase protection 20. Pay off high-interest debt 23. Virtual assistant services 1. Gather your information 41. Handyman services 40. Return protection Our pick for: PlayStation purchases 18. Rent out your car Cheapest auto insurance in Florida for 40-year-olds after a DUI 21. Keep savings in a high-yield savings account You have a roommate Our pick for: Personalized rewards Prime Visa 41. Extended warranty 42. 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Premium Global Assist Hotline Our pick for: Best Buy purchases You’re a first-time home buyer 24. Join initiatives to get free items You have a dog 3. Decide if you need full coverage car insurance 21. Drive for Uber, Lyft 49. SEO consultant Cheapest auto insurance in Florida for 50-year-olds with poor credit 50. App development Trip cancellation You live in a high-risk area 25. Use car sharing services Trip interruption Cell phone protection 22. Make deliveries for Amazon, Uber Eats Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket Purchase protection You have a dog 26. Stock up on household supplies when they’re cheap Trip delay 4. Collect and compare car insurance quotes Return protection 23. Find work as a housesitter Cancel For Any Reason Extended warranty You own valuable items 27. 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Put your drone to work Compare car insurance companies Cheapest full coverage car insurance in Florida for 60-year-olds Cheapest minimum coverage car insurance in Florida for 60-year-olds Cheapest auto insurance in Florida for 60-year-olds with poor credit Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash Cheapest auto insurance in Florida for 60-year-olds after a DUI Cheapest full coverage car insurance in Florida for 70-year-olds Cheapest minimum coverage car insurance in Florida for 70-year-olds Cheapest auto insurance in Florida for 70-year-olds with poor credit Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash 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
.