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Cheapest Car Insurance Company for You
For Good Drivers: Geico
For Teen Drivers: Geico
For Senior Drivers: Geico
For Military Community: USAA
After a Speeding Ticket: State Farm
After an Accident: State Farm
After a DUI: State Farm
Poor Credit: Geico
Minimum Coverage: Geico
Full Coverage: Geico
Low Mileage: Geico
What Is the Cheapest Car Insurance Company for You?
The company with the cheapest car insurance premiums in our rating is USAA. In addition to having the overall lowest premiums, it also has the lowest premiums for motorists who have a speeding ticket or have been in an accident. USAA offers its car insurance policies to drivers with a connection to the U.S. military, including active service members, veterans, pre-commissioned officers, and spouses and children.
For those drivers without a connection to the military, the next cheapest car insurance company in our rating is Geico. It also has the least expensive premiums, aside from USAA, for both teen and senior drivers, motorists with a clean driving record, and those with poor credit scores.
If you’ve had a speeding ticket or been in an accident, State Farm has the lowest premiums, aside from USAA. And if you have a DUI, State Farm offers, on average, the lowest cost car insurance policies of any company in our rating.
The rates in our study are based on new customers shopping for insurance and can help you get an idea of how much you may pay for auto insurance with a new insurer. Keep in mind that car insurance rates are highly individualized. Your actual rate will depend on several factors, including where you live, the car you drive, and your credit scores. Insurers also rely on your driving record. Some infractions, like a speeding ticket, a DUI, or an at-fault accident, may increase your rates or make it harder to purchase a policy
