What is the most affordable car insurance today or who has the cheapest car insurance? In this article, you can fin out details on the cheapest car insurance available or suitable for you. One of the effective ways in which you can get the best cheap car insurance is by comparing various car insurance provider. You can do the comparison across various states in the United States ranging from Allstate to Geico, USAA to State Farm and more to find the cheapest car insurance.
However, we will be providing you with some relevant information or the cheapest car insurance from a reliable source like NerdWallet. Analysis of the rate provided by each car insurance provider or auto insurer across various states will be provided to help you find a cheap insurance that is suitable for your budget.
The considering a cheap car insurance in different states the minimum coverage is used to determine the cheapest car insurance. Therefore, the information provided on the car insurance rate will be on those minimums. In most states, it the liability insurance only, this coverage will includes property damage and medical bills for others because of car accident done by you. Another alternative is full coverage, this actually might cost you more than $1000 over a year on average compare to the annual minimum policy.
The Best Cheapest Car Insurance Rates
According to reviews, Geico is considered the best choice for cheap car insurance. This information is based on the current analysis of the minimum coverage rate. Geico’s average annual rate is $380 and $32 per month. However, there is a list of the cheapest annual auto insurance rates from the largest car insurance provider in the United States.
List of Cheapest Car Insurance from Big Companies
| Company | Average annual rate | Average monthly rate |
| 1: Geico | $380 | $32 |
| 2: State Farm | $550 | $46 |
| 3: Progressive | $577 | $48 |
| 4: Farmers | $656 | $55 |
| 5: Allstate | $759 | $63 |
| USAA | $419 | $35 |
Note that USSA is one of the cheapest and recommended insurance company to go for. But there only service car insurance policy to military, veterans and their families.
List of Cheapest Car Insurance from smaller Companies
A lot of people look for big insurance company for insurance quote but forsaken smaller insurance company that offers even better insurance coverage with cheaper car insurance rates that is better than Geico. This includes the following cheap car insurance from smaller companies.
| Company | Average annual rate | Average monthly rate |
| 1: Secura | $287 | $24 |
| 2: MMG | $309 | $26 |
| 3: Hastings Mutual | $419 | $35 |
| 4: Mutual of Enumclaw | $469 | $39 |
| 5: Central Insurance | $491 | $41 |
This following information display above is based on their low rates and accessibility in various states. But where you live, you can find more affordable car insurance option to select from Like Farm Bureau insurance companies which offers cheapest insurance.
List of the cheapest car insurance by state
Car insurance rate varies in different states. For you to better understand the various car insurance rate in different states. We where able to sort out the cheapest insurance rate across various insurance company in that particular state.
| State | Cheapest company | Average annual rate |
| 1: Alabama | Geico | $300 |
| 2: Alaska | Geico | $274 |
| 3: Arizona | Geico | $303 |
| 4: Arkansas | Southern Farm Bureau Insurance | $285 |
| 5: California | Geico | $395 |
| Colorado | American National | $192 |
| Connecticut | Geico | $421 |
| Delaware | Geico | $507 |
| Florida | Geico | $469 |
| Georgia | Geico | $461 |
| Hawaii | Geico | $272 |
| Idaho | American National | $131 |
| Illinois | Pekin | $217 |
| Indiana | Pekin | $189 |
| Iowa | Pekin | $160 |
| Kansas | Auto-Owners | $338 |
| Kentucky | Kentucky Farm Bureau | $367 |
| Louisiana | Geico | $417 |
| Maine | Geico | $176 |
| Maryland | Geico | $680 |
| Massachusetts | State Farm | $236 |
| Michigan | Travelers | $157 |
| Minnesota | North Star | $289 |
| Mississippi | Mississippi Farm Bureau | $338 |
| Missouri | Columbia | $245 |
| Montana | Farmers Union | $219 |
| Nebraska | Farmers Mutual of Nebraska | $211 |
| Nevada | Geico | $374 |
| New Hampshire | MMG | $209 |
| New Jersey | State Farm | $259 |
| New Mexico | Geico | $303 |
| New York | Utica National | $626 |
| North Carolina | Geico | $253 |
| North Dakota | Nodak | $182 |
| Ohio | Westfield | $282 |
| Oklahoma | Geico | $276 |
| Oregon | Oregon Mutual | $487 |
| Pennsylvania | Geico | $181 |
| Rhode Island | State Farm | $347 |
| South Carolina | American National | $219 |
| South Dakota | Farmers Mutual of Nebraska | $165 |
| Tennessee | Grange | $186 |
| Texas | Geico | $388 |
| Utah | Geico | $306 |
| Vermont | Union Mutual | $171 |
| Virginia | Geico | $305 |
| Washington | Pemco | $297 |
| Washington, D.C. | Geico | $434 |
| West Virginia | Westfield | $333 |
| Wisconsin | Pekin | $202 |
| Wyoming | Geico | $170 |
