Progressive and Geico have the cheapest car insurance rates in 2022.

CarInsurance.com compared more than 30 auto insurance providers across the United States to find the insurers offering cheap car insurance in 2022. In addition to Progressive and Geico, major insurers Travelers, Farmers, Erie, State Farm, Nationwide, Allstate and USAA also offer some of the lowest auto insurance prices.

Shopping around and comparing quotes for cheap coverage from different car insurance companies is the best way to find the most affordable car insurance without compromising on quality.

But does everyone do so?

Not necessarily, says William Shughart, professor in public choice at the Jon M. Huntsman School of Business at Utah State University.

Expert Advice
William Shughart Professor in public choice at the Jon M. Huntsman School of Business at Utah State University

William Shughart

Professor in public choice at the Jon M. Huntsman School of Business at Utah State University

“Car insurance buyers, like voters in political elections, are time- and attention-constrained and therefore do not devote much energy to searching for information about the alternatives available to them,” says Shughart.

“Theories of consumer searches conclude that it is optimal to stop when the costs of gathering one more piece of information (value of other uses of time forgone) equal the perceived benefits of continued search (lower price or improved quality).”

But we can help. In this article, we provide all the information and tips you need to find cheap car insurance no matter what driving habits you have.

Cheapest car insurance company overall

Progressive is the cheapest major car insurance company for full coverage policies, providing savings of $850 compared to the national average. Progressive is also the cheapest insurance company for liability and state minimum coverage levels.

Geico is the second-cheapest car insurance company overall and has the cheapest rates for drivers who have speeding tickets, accidents or bad credit. Readers should note that Liberty Mutual, one of the biggest auto insurers in the U.S., is not included in the list of cheap car insurance companies because of a lack of public rate information from the company.

Please note: The data in this report is from our analysis of various driver profiles from dozens of major carriers. The rates reported here are averages that give you an idea of coverage costs for different scenarios.

However, exactly what you pay will depend on your own personal circumstances. Car insurance quotes vary based on your age, location, driving record, credit-based insurance score, driving habits and the type of vehicle you drive.

Cheapest car insurance company for you

Cheap car insurance from major auto insurance companies by driver profile

Senior
Drivers

Progressive

$724/yr.

Low-mileage
Drivers

Farmers

$899/yr.

Drivers with
Speeding Tickets

Geico

$1,419/yr.

Drivers with
Accidents

Geico

$1,578/yr.

Poor
Credit

Geico

$2,094/yr.

Teen
Drivers

Geico

$2,886/yr.

Cheap car insurance for drivers with poor credit

Geico has the lowest rate for drivers with poor credit among the auto insurance carriers surveyed. If you’re looking for cheap car insurance with poor credit, you’ll see in the table below how companies compare. Note that though other companies have a lower percentage increase for poor credit, Geico has the lowest price. 

Good credit and bad credit by company
CompanyGood creditBad credit% Increase$ Increase
Geico$1,109$2,09485%$986
Nationwide$1,598$2,24441%$646
Progressive$1,483$2,64477%$1,161
Allstate$1,868$2,90656%$1,038
State Farm$1,400$3,012113%$1,613
Farmers$1,753$3,03978%$1,279

How Can I Get Cheap Car Insurance with Bad Credit?

Cheapest car insurance after a speeding ticket

Geico has the lowest insurance cost after a speeding ticket (exceeding the limit by 11 to 15 mph), according to a 2022 CarInsurance.com data analysis. Tickets for moving violations affect how much you pay for car insurance, so part of keeping your cost low is maintaining a clean driving record.

Insurance companies check your driving history upon renewal or when you get quotes for a new policy and use that information for rate pricing. Typically, you’ll pay higher rates if you’ve had a recent moving violation, such as a speeding ticket.

However, each company assesses risk differently, so even if you have driving infractions on your record, you’ll save if you compare car insurance companies. Below is a breakdown of average increases for speeding tickets by company.

Average increases for a speeding ticket, by company
CompanyAverage rateRate with a speeding ticket% Increase$ Increase
Geico$1,109$1,41928%$309
State Farm$1,400$1,62415%$225
Nationwide$1,590$1,88319%$293
Progressive$1,509$1,93530%$426
Farmers$1,624$1,95022%$325
Allstate$1,868$2,23319%$364

How much do car insurance rates go up after a speeding ticket?

Cheap car insurance after an accident

Drivers likely will see their car insurance premiums increase after an at-fault accident, but drivers can still shop around to get the best rates. Again, you’ll see Geico has a high percentage increase for drivers with a recent accident claim but has the lowest car insurance rate for those who have had a wreck, according to our rate analysis. The data below is for a claim of property damage above $2,000.

Cheapest auto insurance companies for drivers after an accident
CompanyAverage rateRate after claim$ Increase% Increase
Geico$1,109$1,578$46943%
State Farm$1,400$1,670$27019%
Progressive$1,517$1,821$30519%
Farmers$1,537$2,050$51532%
Nationwide$1,521$2,282$76152%
Allstate$1,868$2,631$76241%

How much does insurance go up after an accident?

Cheapest car insurance for teens

Geico is the cheapest car insurance company for teen drivers, among those surveyed in our study of rates for a 17-year-old driver buying their own full coverage policy. However, teenagers can’t buy their own policies without having a parent/guardian cosign until they’ve reached the age of majority in their state.

Car insurance companies consider teens to be high-risk drivers due to their lack of experience behind the wheel, so car insurance for teens is pricey in general. However, by comparing car insurance rates, you can still save, regardless of your age.

Below you’ll see which companies have cheap car insurance for teen drivers, based on our rate analysis.

Cheap car insurance for teen drivers
CompanyAverage rate
Geico$2,886
Erie$3,002
Auto-Owners$3,485
Progressive$3,623
State Farm$3,919
Travelers$4,473
Nationwide$4,622
Allstate$5,716
Farmers$6,744

USAA is among the cheapest companies with a rate of $2,476 per year but is only available to military members, veterans and their immediate family. Also, Liberty Mutual, one of the biggest auto insurers in the U.S., is not included in the list of insurers offering cheap car insurance because of a lack of public rate information from the company.

How much is car insurance for teen drivers?

Cheapest car insurance for seniors

Progressive has the cheapest auto insurance rates for senior drivers among the insurance companies in our study, about $400 less than Geico and $1,000 less than other major carriers.

Cheap car insurance for senior drivers
CompanyAverage rate
Progressive$724
Geico$1,175
Farmers$1,192
Erie$1,276
Nationwide$1,300
State Farm$1,369
Travelers$1,388
Allstate$1,634
Auto-Owners$1,757

USAA is among the cheapest companies with a rate of $903 a year but is only available to military members, veterans and their immediate families. Also, Liberty Mutual, one of the biggest auto insurers in the U.S., is not included in the list of insurers offering cheap car insurance because of a lack of public rate information from the company.

Senior car insurance : What you need to know?

Cheap car insurance quotes for low-mileage drivers

If you’re a driver who logs less than about 12,000 miles a year, you could qualify for cheaper auto insurance. Driving less means you have a smaller chance of getting into an accident, so insurance rates for a low-mileage driver will generally be lower than for a driver who is on the road more, all else being equal. Farmers is the cheapest auto insurance company for low-mileage drivers.

Cheap car insurance for low-mileage drivers
CompanyAverage rate
Farmers$899
Progressive$1,020
American Family$1,167
Travelers$1,190
State Farm$1,313
Geico$1,441
CSAA Insurance$1,630
Nationwide$1,997
Allstate$2,088
Auto Club Group/AAA$2,495

Cheapest car insurance rates by coverage type

Cheap car insurance for drivers with full coverage

Progressive is the cheapest car insurance company for full coverage policies among those surveyed by CarInsurance.com’s editorial team. Full coverage includes liability insurance, which is required by state law, and both comprehensive and collision coverage.

Cheapest companies for full coverage
Graph
Table
List of Cheapest Car Insurance Companies for Full Coverage
Company Full Coverage
Progressive $895
Geico $1,200
Travelers $1,322
Farmers $1,343
Erie $1,372
Owners Insurance $1,435
State Farm $1,505
Nationwide $1,619
Allstate $2,164
 

Full coverage: 100/300/100 with comprehensive and collision with a $500 deductible

USAA is among the top cheapest companies with a rate of $1,111 a year but is only available to military members, veterans and their immediate families. Also, Liberty Mutual, one of the biggest auto insurers in the U.S., is not included in the list of insurers offering cheap car insurance because of a lack of public rate information from the company.

Cheapest small companies for full coverage

CompanyFull Coverage
North Carolina Farm Bureau$1,141
Safety Insurance$1,217
Texas Farm Bureau$1,465
Arbella$1,622
New Jersey Manufacturers Insurance$1,660
Colonial County$1,663
Illinois Farmers$1,695
Mississippi Farm Bureau$1,701
AAA Texas$1,784
United Financial$1,795
Amco$1,798
Mid Century$1,820
Safeco$1,944
New York Central$2,123
Kentucky Farm Bureau$2,193
Louisiana Farm Bureau$2,329
Allied$2,347
Amica$2,585
Safeway$3,074
Foremost$3,569
Victoria$3,610

Full Coverage: 100/300/100 with Comprehensive and Collision, $500 deductible

What is full coverage car insurance & what it covers?

Cheap car insurance for liability-only coverage

Liability insurance pays for damage you cause to other vehicles and property. It does not cover damage to your own car. The table below shows rates for a policy that provides more protection than most state minimums: Bodily injury liability of up to $50,000 for injuries per person, up to $100,000 per accident and up to $50,000 for property damage liability.

Cheapest companies for liability only
Graph
Table
List of Cheapest Car Insurance Companies for Liability Only
Company Liability Only
Progressive $333
Geico $365
Farmers $436
Owners Insurance $457
USAA $473
Erie $490
State Farm $561
Nationwide $598
Allstate $648
 

Liability only: 50/100/50

USAA is among the top cheapest companies with a rate of $473 a year but is only available to military members, veterans and their immediate families. Also, Liberty Mutual, one of the biggest auto insurers in the U.S., is not included in the list of insurers offering cheap car insurance because of a lack of public rate information from the company.

Cheap rates from smaller companies for liability only

CompanyLiability Only
North Carolina Farm Bureau$374
Mississippi Farm Bureau$420
Texas Farm Bureau$458
Kentucky Farm Bureau$469
AAA Texas$537
Safety Insurance$558
Mid Century$604
Arbella$648
United Financial$667
Colonial County$708
Illinois Farmers$740
Amco$784
New Jersey Manufacturers Insurance$785
New York Central$843
Safeco$899
Louisiana Farm Bureau$901
Amica$935
Allied$1,265
Safeway$1,310
Victoria$1,480
Foremost$1,749

Liability Only: 50/100/50

Liability car insurance: What it covers, what it costs by state?

Cheapest companies for state minimum car insurance

If you’re looking for an auto policy with bare-bones coverage, Progressive and Geico are the auto insurance companies with the lowest car insurance premiums.

A policy that meets your state’s minimum liability limit requirements is the cheapest car insurance you can get among coverage options. Since a state minimum liability policy is the least amount of coverage you can get, the car insurance premium will be low, as seen in the table below.

Cheapest companies for state minimum
Graph
Table
List of Cheapest Car Insurance Companies for State Minimum
Company State Minimum
Progressive $315
Geico $318
USAA $358
Owners Insurance $404
Farmers $405
Erie $414
State Farm $484
Allstate $555
Nationwide $573
 

State minimum: Lowest liability limits

USAA is among the top cheapest companies with a rate of $358 a year but is only available to military members, veterans and their immediate families. Also, Liberty Mutual, one of the biggest auto insurers in the U.S., is not included in the list of insurers offering cheap car insurance because of a lack of public rate information from the company.

Cheapest smaller companies for state minimum

CompanyState Minimum
North Carolina Farm Bureau$332
Mississippi Farm Bureau$376
Texas Farm Bureau$414
Kentucky Farm Bureau$422
Safety Insurance$435
Arbella$493
AAA Texas$493
United Financial$499
Mid Century$553
New Jersey Manufacturers Insurance$660
Illinois Farmers$681
Amco$687
Louisiana Farm Bureau$698
Amica$703
Colonial County$735
New York Central$757
Victoria$803
Safeco$840
Allied$1,111
Safeway$1,237
Foremost$1,417

State Minimum: Lowest Liability Limits

What is state minimum car insurance?

How to get the cheapest car insurance rates

Comparing car insurance quotes can help you save hundreds of dollars because each car insurance company uses its own formula to calculate your rate. So, the same policy can have different prices among different insurance companies.

Here are a few tips to help you save money on car insurance:

  • Ask about discounts: Common car insurance discounts include those for safe drivers, students, paying in full, paying online, bundling auto and home, insuring a new vehicle, and installing safety features on your car.
  • Increase your deductible: If you increase your deductible, make sure you have cash on hand to pay out the deductible if you file a claim.
  • Comparison shop for insurance: Compare car insurance quotes upon the renewal of your policy – and if you buy a new car, add or remove drivers, add a teen driver, move, buy a house, get married or divorced, have a change in your credit score or get into an accident. Get a car insurance quote from at least three companies. 
  • Check safety ratings and buy a safer vehicle: Safer cars have fewer accidents and typically are cheaper to insure.
  • Consider low-mileage or usage-based auto insurance plans: If you don’t drive much – 10,000 miles or so a year – you can save money by purchasing a low-mileage plan from a company like MetroMile.

Check out our detailed guide on the factors that affect car insurance rates

Cheapest car insurance companies by state

Geico is the cheapest car insurance company in 33 states among insurers surveyed.

In the table below, you can see how companies rank in your state, from cheapest to most expensive for car insurance premiums.

Cheapest car insurance companies by state

State Company Name Full Coverage
AlaskaState Farm$1,211
AlaskaGeico$1,321
AlaskaUmialik$1,614
AlaskaProgressive$1,661
AlaskaAllstate$1,990
AlabamaGeico$1,214
AlabamaNationwide$1,619
AlabamaProgressive$1,638
AlabamaAllstate$1,742
AlabamaState Farm$1,765
AlabamaMid Century$2,299
ArkansasState Farm$1,341
ArkansasGeico$1,477
ArkansasProgressive$1,676
ArkansasNationwide$1,682
ArkansasFarmers$1,953
ArkansasAllstate$2,447
ArizonaGeico$904
ArizonaProgressive$1,267
ArizonaState Farm$1,587
ArizonaNationwide$2,031
ArizonaFarmers$2,173
ArizonaAllstate$2,737
CaliforniaGeico$1,490
CaliforniaUnited Financial$1,795
CaliforniaAllstate$2,223
CaliforniaState Farm$2,345
CaliforniaFarmers$2,387
CaliforniaAmco$2,510
ColoradoGeico$1,540
ColoradoState Farm$1,629
ColoradoNationwide$1,784
ColoradoAllstate$1,981
ColoradoProgressive$2,125
ColoradoFarmers$2,629
ConnecticutGeico$867
ConnecticutState Farm$1,457
ConnecticutNationwide$1,852
ConnecticutSafeco$2,481
ConnecticutProgressive$2,550
ConnecticutAllstate$3,009
Washington, D.C.Geico$1,042
Washington, D.C.Erie$1,671
Washington, D.C.State Farm$1,921
Washington, D.C.Progressive$2,234
Washington, D.C.Nationwide$2,485
DelawareGeico$1,282
DelawareTravelers$1,322
DelawareState Farm$1,572
DelawareProgressive$1,660
DelawareNationwide$1,958
DelawareAllstate$3,735
FloridaUSAA$1,111
FloridaGeico$1,701
FloridaState Farm$1,912
FloridaProgressive$2,433
FloridaAllied$2,768
FloridaAllstate$3,049
GeorgiaOwners$1,435
GeorgiaGeico$1,451
GeorgiaState Farm$1,698
GeorgiaNationwide$1,737
GeorgiaProgressive$2,148
GeorgiaAllstate$2,720
HawaiiGeico$975
HawaiiProgressive$1,181
HawaiiState Farm$1,252
HawaiiAllstate$1,724
HawaiiFarmers$2,318
IowaDepositors$1,009
IowaState Farm$1,068
IowaGeico$1,276
IowaProgressive$1,322
IowaFarmers$1,484
IowaAllstate$1,955
IdahoGeico$904
IdahoState Farm$923
IdahoProgressive$989
IdahoFarmers$1,343
IdahoDepositors$1,474
IdahoAllstate$2,078
IllinoisGeico$966
IllinoisState Farm$1,161
IllinoisProgressive$1,316
IllinoisNationwide$1,474
IllinoisFarmers$1,681
IllinoisAllstate$2,632
IndianaGeico$809
IndianaProgressive$895
IndianaState Farm$1,069
IndianaDepositors$1,323
IndianaFarmers$1,606
IndianaAllstate$1,891
KansasNationwide$1,361
KansasGeico$1,428
KansasState Farm$1,434
KansasProgressive$1,500
KansasFarmers$2,066
KansasAllstate$2,341
KentuckyGeico$1,424
KentuckyState Farm$1,646
KentuckyProgressive$1,919
KentuckyKentucky Farm Bur Mut Ins Co$2,193
KentuckyNationwide$3,336
KentuckyAllstate$3,689
LouisianaGeico$1,962
LouisianaLouisiana Farm Bureau$2,329
LouisianaState Farm$2,498
LouisianaProgressive$2,733
LouisianaAllstate$3,009
LouisianaSafeway$3,074
MassachusettsState Farm$714
MassachusettsGeico$1,155
MassachusettsSafety$1,217
MassachusettsArbella$1,622
MassachusettsProgressive$1,977
MassachusettsAllstate$2,109
MarylandGeico$1,320
MarylandNationwide$1,662
MarylandErie$1,679
MarylandState Farm$1,749
MarylandProgressive$1,932
MarylandAllstate$2,553
MaineGeico$634
MaineConcord$797
MaineState Farm$970
MaineProgressive$1,048
MaineMMG$1,319
MaineAllstate$1,711
MichiganGeico$1,453
MichiganProgressive$1,790
MichiganState Farm$3,025
MichiganAllied$3,295
MichiganFarmers$3,661
MichiganAllstate$5,822
MinnesotaState Farm$1,278
MinnesotaProgressive$1,452
MinnesotaGeico$1,479
MinnesotaAmco$1,525
MinnesotaFarmers$1,716
MinnesotaAllstate$2,261
MissouriAmco$1,301
MissouriState Farm$1,410
MissouriAllstate$1,945
MissouriFarmers$2,018
MissouriProgressive$2,048
MissouriGeico$2,066
MississippiGeico$1,358
MississippiState Farm$1,440
MississippiNationwide$1,600
MississippiProgressive$1,655
MississippiMississippi Farm Bureau$1,701
MississippiAllstate$2,348
MontanaState Farm$1,292
MontanaDepositors$1,627
MontanaGeico$1,730
MontanaMid Century$2,189
MontanaProgressive$2,373
MontanaAllstate$2,566
North CarolinaGeico$922
North CarolinaNorth Carolina Farm Bureau$1,141
North CarolinaState Farm$1,269
North CarolinaAllied$1,549
North CarolinaProgressive$1,606
North CarolinaAllstate$2,064
North DakotaState Farm$1,259
North DakotaGeico$1,330
North DakotaAllied$1,361
North DakotaMid Century$1,503
North DakotaProgressive$1,687
North DakotaAllstate$2,324
NebraskaAmco$1,105
NebraskaProgressive$1,292
NebraskaState Farm$1,294
NebraskaGeico$1,618
NebraskaMid Century$1,811
NebraskaAllstate$1,879
New HampshireGeico$721
New HampshireProgressive$862
New HampshireConcord$863
New HampshireState Farm$905
New HampshireNationwide$1,165
New HampshireAllstate$1,999
New JerseyGeico$1,170
New JerseyProgressive$1,312
New JerseyNew Jersey Manufacturers$1,660
New JerseyState Farm$2,018
New JerseyAllstate$2,232
New JerseyForemost$3,569
New MexicoGeico$1,161
New MexicoState Farm$1,241
New MexicoAllied$1,453
New MexicoProgressive$1,453
New MexicoFarmers$1,986
New MexicoAllstate$2,333
NevadaGeico$1,432
NevadaState Farm$1,700
NevadaFarmers$2,206
NevadaProgressive$2,597
NevadaAllstate$2,867
NevadaVictoria$3,610
New YorkGeico$1,385
New YorkProgressive$1,913
New YorkNew York Central$2,123
New YorkState Farm$2,130
New YorkAllstate$2,181
New YorkTravelers$2,638
OhioGeico$653
OhioState Farm$1,068
OhioNationwide$1,121
OhioProgressive$1,138
OhioFarmers$1,383
OhioAllstate$1,781
OklahomaGeico$1,397
OklahomaProgressive$1,489
OklahomaState Farm$1,546
OklahomaFarmers$1,951
OklahomaAllstate$2,136
OklahomaOklahoma Farm Bureau$2,369
OregonProgressive$1,004
OregonState Farm$1,231
OregonGeico$1,306
OregonNationwide$1,493
OregonFarmers$1,577
OregonAllstate$2,362
PennsylvaniaGeico$1,122
PennsylvaniaErie$1,248
PennsylvaniaState Farm$1,365
PennsylvaniaNationwide$1,936
PennsylvaniaProgressive$2,033
PennsylvaniaAllstate$2,496
Rhode IslandGeico$1,103
Rhode IslandState Farm$1,146
Rhode IslandProgressive$1,976
Rhode IslandNationwide$2,489
Rhode IslandAmica$2,585
Rhode IslandAllstate$2,940
South CarolinaGeico$1,324
South CarolinaState Farm$1,491
South CarolinaTravelers Prop Cas Ins Co$1,498
South CarolinaProgressive$1,622
South CarolinaNationwide$1,867
South CarolinaAllstate$2,115
South DakotaState Farm$1,323
South DakotaAmco$1,448
South DakotaGeico$1,522
South DakotaMid Century$1,557
South DakotaProgressive$1,803
South DakotaAllstate$2,203
TennesseeProgressive$1,137
TennesseeGeico$1,161
TennesseeState Farm$1,213
TennesseeMid Century$1,678
TennesseeNationwide$1,747
TennesseeAllstate$2,021
TexasState Farm$1,421
TexasTexas Farm Bureau$1,465
TexasGeico$1,539
TexasColonial$1,663
TexasAAA Texas$1,784
TexasAllstate$3,065
UtahGeico$948
UtahProgressive$1,364
UtahNationwide$1,379
UtahState Farm$1,654
UtahAllstate$1,799
UtahMid Century$1,807
VirginiaNationwide$938
VirginiaProgressive$974
VirginiaState Farm$1,084
VirginiaErie$1,090
VirginiaGeico$1,164
VirginiaAllstate$1,927
VermontGeico$850
VermontConcord$1,006
VermontNationwide$1,128
VermontState Farm$1,339
VermontAllstate$1,926
VermontProgressive$2,212
WashingtonGeico$1,196
WashingtonState Farm$1,384
WashingtonProgressive$1,417
WashingtonNationwide$1,689
WashingtonAllstate$1,787
WashingtonFarmers$2,246
WisconsinGeico$939
WisconsinState Farm$1,028
WisconsinNationwide$1,074
WisconsinArtisan & Truckers$1,429
WisconsinMid Century$1,673
WisconsinAllstate$1,869
West VirginiaState Farm$1,286
West VirginiaErie$1,372
West VirginiaGeico$1,377
West VirginiaNationwide$1,508
West VirginiaProgressive$1,802
West VirginiaAllstate$2,576
WyomingSafeco$1,023
WyomingState Farm$1,310
WyomingMid Century$1,688
WyomingGeico$1,964
WyomingAllstate$2,538

Driver profile is male, age 30 for 100/300/100, comprehensive and collision with $500 deductible.

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Car insurance rates by state with interactive map

Cheap car insurance companies by city

Car insurance rates don’t just differ from state to state. They vary – sometimes greatly – from city to city and even by ZIP code. That’s because your location is an important factor in how insurers calculate rates. But you can find cheap rates in your city by using CarInsurance.com’s car insurance ZIP code calculator.

The bottom line on cheap car insurance in 2022

Given that car insurance rates are expected to keep climbing, remember that comparison shopping for the cheapest car insurance is the most effective way to save money on coverage.

Why you can trust us: Our editorial team is dedicated to providing insurance shoppers with the most accurate and most current information about insurance trends, insurance products and insurance rates. We adhere to the strictest standards of professional journalism. Our reporting is unbiased and free of any influence. The sole mission of our editorial experts is to give you trusted, accurate, informative content to help you make important insurance decisions.

– Michelle Megna contributed to this story.

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Laura Longero
Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

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