Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

There are a lot of factors that go into the price of car insurance, including the kind of car you drive, where you live, the insurance laws and regulations in your state, your age and gender, and of course, your driving record. Insurance companies are notoriously secretive about the factors they use to determine rates, but there are still some consistent factors that can help savvy consumers spot patterns.

The Cheapest Car Insurance Companies

How We Found the Cheapest Car Insurance Companies 

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, civic areas, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. Quadrant obtained rate data provided by car insurers to state regulators, based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. 

To get the study rates shown here, we computed a simple average of all driver profiles and profile combinations for a given company or risk pool. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Individual rates will differ.

Pattanaphong Khuankaew / EyeEm / Getty Images

The different groups of auto insurance customers mentioned above can generally expect to pay different prices for car insurance, based on the risk factors they present. For example, younger drivers are the least experienced on the road, and statistically, have the highest risk of causing an accident. But even within the younger demographic profiles in our study, there are differences in average auto insurance costs when you look at male and female drivers in that age group, based on statistics that show one group is a higher risk on the road than the other. You can read How Car Insurance Works and How Much Car Insurance Do I Need? for more information.

We’ll use the data from Quadrant Information Services to explore the average prices paid by these demographics and others. We’ll also look at how average prices vary amongst the largest auto insurance companies in the United States, so you can get a better idea of what you can expect to pay the next time you need to renew your auto insurance policy or shop for a new insurance company. We’ve also created lists of the Cheapest Car Insurance Companies and the Best Car Insurance Companies to help you decide whether you’re better off seeking out the lowest price, the best overall experience, or some other combination of factors based on you and your household’s specific car insurance needs.

Insurance Requirements Affect Rates

Even though we’ll be looking at average car insurance rates from across the United States, it’s important to keep in mind that each state has its own laws and requirements to regulate the insurance industry and establish minimum insurance requirements. Since the insurance requirements of your state can be substantially different than those just across the nearest state border, you might end up paying more or less than the averages cited here. 

Furthermore, each state sets a minimum insurance coverage requirement that is the amount you must have to drive legally, but the minimum won’t necessarily provide adequate protection in the case of an accident. In other words, when you shop for insurance, you should talk to your agent to decide if your state’s minimum requirements are enough for you, and how much it would cost to buy a policy with better protection. This, too, can mean that you might end up paying more for insurance than the averages shown here, though it might be worth it in the long run.

What Is the Average Cost of Car Insurance?

Before we dive into average auto insurance rates for different groups of customer profiles in the United States, you might be wondering, what is the actual average across all demographics? The data from Quadrant Information Services shows that the average annual representative rate for all the driver profiles insured through the nine companies in our study was $1,323. That said, as you continue reading, keep in mind that this study rate is only for the purposes of comparison and does not necessarily reflect how much you’ll pay for auto insurance. 

For example, of the companies in our study, USAA had the lowest average annual study rate of $895, but this company focuses on providing affordable insurance to members of the military and not all consumers qualify for USAA coverage. On the flip side, some of the companies in our study had much higher average insurance rates. Keep reading to learn more about how age, experience, and other factors can influence average auto insurance rates.

Average Car Insurance Rates for Low Coverage

Company

Low

Allstate

$1,678.31

American Family

$1,252.04

Farmers

$1,456.07

Geico

$984.70

Nationwide

$1,494.22

Progressive

$1,222.50

State Farm

$1,166.65

Travelers

$1,144.59

USAA

$842.63

To find the average rates in our study based on coverage type, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

If you’re planning to shop for the minimum-required insurance coverage, you should first consider that low coverage likely won’t be sufficient to protect you or your assets in many accident scenarios. That is, if you are responsible for more property damage or medical costs than your insurance policy will cover, you may be personally liable for those costs, depending on your state’s laws. 

andresr / Getty Images

The average representative insurance rate for low coverage nationwide is $1,249.08, and it’s interesting to see how that national average compares to the averages from each of the major auto insurance companies in our study. When it comes time to shop for low coverage, you may want to check out USAA if you qualify for membership, since that company has the lowest average representative rate for this group by far, at $842.63 for a year of coverage. 

For consumers who don’t have a military affiliation, Geico is likely to be the most affordable option, with a national average representative rate of $984.70. The highest national average representative rates for low coverage insurance customers come from Allstate, with a study rate of $1,678.31, and Nationwide, with a study rate of $1,494.22. Again, keep in mind that these are average representative rates, and that the rate you pay for low coverage will be influenced by other factors, as well. 

Average Car Insurance Rates for Medium Coverage

Company

Medium

Allstate

$1,777.66

American Family

$1,325.99

Farmers

$1,538.21

Geico

$1,063.10

Nationwide

$1,529.58

Progressive

$1,308.37

State Farm

$1,260.12

Travelers

$1,211.84

USAA

$894.95

To find the average rates in our study for medium insurance coverage, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The national average representative auto insurance rate for medium coverage from the companies in our study was $1,323.31. Here, it’s worth noting that this is only about $75 more than the national average study rate for low insurance coverage, which we just discussed. The takeaway here is that based on your own circumstances, it’s worth discussing your coverage rates with your insurance agent to see how much it will cost to bump up your coverage and any additional benefits you’ll receive. In other words, you might be saving an average of $75 up front with low coverage, but it can cost you more in the long run if your bare-bones policy doesn’t actually cover the expenses you’ll incur if you’re involved in a crash.

As before, let’s take a look at the low and high average representative costs for this type of coverage. Again, if USAA is an option for you, that’s your best bet, since this insurer's national average rate in our analysis for low coverage is $894.95. That’s considerably cheaper than the next-best average representative rate from Geico, at $1,063.10. On the high side, Allstate comes in at an average representative rate of $1,777.66, and Farmers comes in at an average representative rate of $1,538.21.

Average Car Insurance Rates for High Coverage

Company

High

Allstate

$1,876.14

American Family

$1,297.59

Farmers

$1,627.44

Geico

$1,146.20

Nationwide

$1,573.98

Progressive

$1,411.31

State Farm

$1,352.67

Travelers

$1,254.59

USAA

$946.02

If you want the best insurance coverage with the most protection, you’ll pay more than you would for low or medium coverage, but perhaps not as much as you might expect. To find the average rates in our study for high insurance coverage, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Kidsada Manchinda / Getty Images

The average national representative rate for high auto insurance coverage from the companies in our study comes in at $1,387.33. The average difference between medium and high coverage is even less than the difference between low and medium coverage, and the average increase in cost from low to high coverage is well worth considering for most auto insurance customers. With a difference of only $140 for our driver profiles, the greater level of protection is likely worth it.

Let’s break down the costs of high auto insurance coverage. USAA, once again, is by far the most affordable option, with a national average representative rate of $946.02. Geico is still the second-best choice, with a national average representative rate of $1,146.20. The average consumer profile is best off avoiding Allstate, which has the highest study rate of $1,876.14 for high coverage, and Farmers, which has an average national representative rate of $1,627.44.

Average Car Insurance Rates for Good Drivers

Company

Clean record

Allstate

$1,777.66

American Family

$1,325.99

Farmers

$1,538.21

Geico

$1,063.10

Nationwide

$1,529.58

Progressive

$1,308.37

State Farm

$1,260.12

Travelers

$1,211.84

USAA

$894.95

One of the best ways to save money on car insurance is to maintain a clean driving record, especially since this is a factor that is entirely within your control. That means avoiding accidents, speeding tickets, and other offenses. Not only will you save money on your annual car insurance premiums, you won’t have to deal with the additional expenses of tickets, court costs, or other fines and fees. 

To find the average rates in our study based on driving record, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The average national representative rate for driver profiles with a clean record is $1,323.31. However, there is a lot of variation in the average representative rates for this group amongst the major auto insurance companies in our study. It should be no surprise at this point that USAA has the lowest representative rate for this group, coming in at $894.95. That means if you have a good driving record and qualify for insurance from USAA, that should almost certainly be your first choice when it comes time to start shopping around and comparing quotes. 

If USAA isn’t an option, Geico is the next best bet, with a national average representative rate of $1,063.10, which is still considerably less than the overall national average. Study data shows that the most expensive major insurance company for good driver profiles is Allstate, with a national average representative rate of $1,777.66. Farmers is also on the high side, according to the study, coming in at an average representative rate of $1,538.21.

Average Car Insurance Rates for Drivers With One Speeding Ticket

Company

With 1 speeding violation

Allstate

$2,079.37

American Family

$1,548.21

Farmers

$1,907.63

Geico

$1,356.17

Nationwide

$1,838.34

Progressive

$1,735.51

State Farm

$1,408.71

Travelers

$1,672.66

USAA

$1,027.98

Crashes and moving violations are very expensive. Not only will you have to pay various fees, fines, and penalties depending on the offense and the laws where you live, you’ll be marked as a higher risk driver. A record as a high risk driver can follow you for years, causing your insurance rates to go up, and your insurance may cost considerably more long after you’ve paid off the speeding tickets or had your car repaired from a crash.

If your driving record is really spotty, with multiple violations, you might have trouble qualifying for insurance at all. If that’s the case, you’ll probably end up paying rates on the higher side of what you see here, or talking to smaller insurance companies to see if they offer specialized coverage. Drivers who are recognized as especially high risks must often maintain a clean driving record before they qualify for more mainstream insurance rates. You can learn more about these situations in our article on car insurance costs.

Again, we’ll look at our driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Jose Luis Pelaez Inc / Getty Images

A single speeding ticket is the first, and least consequential, of the driving offenses we’ll look at in this section. The national average car insurance representative rate for driver profiles with a single speeding ticket comes in at $1,619.40, about $300 more than the national average for driver profiles with a clean record. Even if a speeding offense doesn’t cause an accident, it shows that you’re a driver who is more willing to take risks, and your insurance rates will go up accordingly. It’s an expensive risk, because even when the ticket itself is a distant memory, it may still be on your record and affecting your insurance premiums.

According to our study, USAA and Geico maintain their records as being the most affordable major insurance companies nationwide. USAA comes in at an average representative rate of $1,027.98, and Geico is higher, at a national average representative rate of $1,356.17. Our study shows that Farmers and Allstate are once again the two most expensive options, with national average representative rates of $1,907.63 and $2,079.37, respectively. 

Average Car Insurance Rates for Drivers With One Accident

Company

With 1 accident

Allstate

$2,514.37

American Family

$2,018.34

Farmers

$2,214.72

Geico

$1,691.06

Nationwide

$2,151.85

Progressive

$2,296.26

State Farm

$1,501.96

Travelers

$1,739.23

USAA

$1,216.68

To examine rates for drivers with one accident, we’ll go back to our driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study, the national average car insurance representative rate for driver profiles with one accident is $1,927.16. This is a few hundred dollars more expensive than the average rate in our analysis for profiles with one speeding ticket, and about $600 more than the average for driver profiles with a clean record. This is a good example of how maintaining a clean driving record can help you save as much money on car insurance as possible. 

Here, USAA maintains its reputation for offering the lowest possible rates in our study, with a national average representative rate for this group that comes in at $1,216.68, according to our analysis. State Farm will most likely be the best choice for driver profiles who don’t qualify for USAA, though this insurer's national average representative rate of $1,501.96 is a big step up from USAA and more representative of the actual costs of having an accident on your insurance record. According to our study data, Progressive and Allstate are the two most expensive companies, on average, for driver profiles with a single accident on the record. These two insurers come in with national average representative rates of $2,296.26 and $2,514.37, respectively.

Average Car Insurance Rates for Drivers With One DUI

Company

With 1 DUI

Allstate

$2,990.62

American Family

$2,206.08

Farmers

$2,435.42

Geico

$2,805.50

Nationwide

$3,151.30

Progressive

$1,757.01

State Farm

$1,692.09

Travelers

$2,511.64

USAA

$1,710.92

Next, we’ll look at rates for drivers with a single DUI, or instance of driving under the influence. For this, we’ll go back to our driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Driver profiles with a single DUI are looking at a national average representative car insurance rate of $2,362.29, which makes this an especially expensive violation. If you have made this mistake in the past, you can try to minimize the impact on your insurance costs by getting a policy with State Farm, which charges our driver profiles an average representative rate of $1,692.09, or USAA, which bucks its own trend and comes in a little higher, at a national average representative rate of $1,710.92. According to study data, Nationwide and Allstate are the most expensive auto insurance companies for driver profiles with a single DUI offense. Their national average representative rates are $3,151.30 and $2,990.62, respectively. Notably, Geico is among the most expensive options for these driver profiles, despite being one of the cheapest for most others.

Average Car Insurance Rates for Drivers With Bad Credit

Company

Poor

Allstate

$3,011.20

American Family

$2,226.30

Farmers

$2,659.81

Geico

$1,853.45

Nationwide

$2,090.27

Progressive

$2,347.35

State Farm

$2,815.36

Travelers

$2,031.66

USAA

$1,825.94

Credit history is yet another factor used to determine car insurance rates. People with good credit are perceived as more responsible overall, and insurance companies reward those customers with better rates. That means if you have fair or poor credit history, your car insurance is going to cost more than it would if you had good credit.

PeopleImages / Getty Images

To find the average rates in our study based on credit score, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good driving record. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The national average car insurance study rate among the major auto insurance companies for profiles with poor credit comes in at $2,317.93. For comparison purposes, the national average representative rate for driver profiles with good credit is $1,305.78, and the national average for those with fair credit is $1,557.09. Driver profiles with poor credit will do best with USAA, at an average study rate of $1,825.94, and Farmers, at an average of $1,853.45. The most expensive companies for this group are Allstate, at $3,011.20, and State Farm, at $2,814.36. 

Finding the Best Car Insurance For You

By now, you should have a better idea of the factors that go into determining the cost of your auto insurance, as well as how much you can expect to pay the next time you shop for insurance coverage. Now, it’s time to learn ways of finding the best deal on car insurance. Shopping around and getting quotes from a variety of companies is the best way to save money when you buy car insurance. Our U.S. News auto insurance guide will also help you learn more about available discounts and other ways to cut costs.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

The Best Car Insurance Companies

Check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about the nine largest insurers in the country.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

Car Insurance Home | Best Car Insurance Companies | How Does Car Insurance Work?