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Cheapest Car Insurance Companies 2022

If you are looking for the cheapest car insurance, you are at the right place. ibsaudioprogram100 analyzes car insurers’ prices nationwide to find affordable car insurance for various drivers.

The cheapest car insurance is probably the minimum coverage that your state requires, so we focused our analysis on minimum rates. In many states, it is only liability insurance that covers property damage and medical bills to others as a result of accidents you cause.

Incase you are new here, you may want to know what a car insurance is before proceeding.

Car Insurance 2022

Why you can trust ibsaudioprogram100: Our authors and editors follow strict editorial guidelines to ensure the honesty and accuracy of our data writing and analysis. You can trust the prices we show you because our data analysts take strict measures to eliminate outliers and inaccuracies in price data that include the rates of any zip code in the country where coverage and data are available. When comparing rates for different coverage amounts, ages and backgrounds, we always change only one variable, so you can easily see how each factor affects the price. Read our approach.

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Another alternative is full coverage, but it can cost an average of more than $ 1,000 a year than the annual minimum insurance. It has additional coverage, such as uninsured / underinsured motorist protection and comprehensive and accident insurance.

Nerdy Tip: If you have a rental or car rental company, your lender will probably ask you to buy a comprehensive and covered collision. These types of coverage pay off if your car is stolen or damaged in an accident you have caused and other scenarios.

If you need more than one voucher, take a look at our analysis of the cheapest insurance with full coverage. If you are just looking for the cheapest car insurance, we list the cheapest providers of minimum coverage below. How to find the cheapest companies
ibsaudioprogram100 editors analyzed minimum vehicle insurance coverage from Quadrant Information Services, a price analysis company. Our analysis looked at 40-year-old drivers with all zip codes in 50 U.S. states. and in Washington, DC, with various driving and credit histories. All drivers have a Toyota Camry L 2019.

The cheapest car insurance 2022

According to the latest analysis of minimum insurance rates by ibsaudioprogram100, Geico is the cheapest large car insurance company in the country. The average annual Geico rate is $ 354, or about $ 29 per month. The company has received a 4.5 star rating from ibsaudioprogram100.

Here are the cheapest annual car insurance payments for the six most popular car insurers in the United States. We also include standard fees for some small businesses. These fees are only for the minimum coverage of the state mandate. Our “good driver” profile is 40 years old without offenses and “good” level credits. These rates are standard only; The cheapest car insurance for you may be different.

Cheap car insurance from the largest companies

Company

Average annual rate

Average monthly rate

1. Geiko

$ 354

$ 29

2. State farm

$ 452

$ 38

3. Progressive

$ 619

$ 52

4. Farmers

$ 620

$ 52

5. Allstate

$ 666

$ 55

USA *

$ 356

$ 30

* USAA car insurance is only available to the military, veterans and their families.

»MORE: Cheapest car insurance

Cheap car insurance for small businesses
Finding cheap car insurance doesn’t mean you have to stay with big insurance companies. Central Insurance, MMG and Secura, smaller insurance companies that offer coverage in many states, have cheaper car insurance rates than Geico.

Although availability may be limited, regional and small insurance companies can beat the cheapest vehicle insurance rates of large carriers. In addition, they always have good customer service.

Company

Average annual rate

Average monthly rate

1. Central insurance

$ 257

$ 21

MMG

$ 287

$ 24

3. Secura

$ 319

$ 27

4. Head-to-head in Hastings

$ 428

$ 36

5. Head-to-head in Enumclaw

$ 499

$ 42

We chose these companies because of their short prices and availability in many countries. But where you live, car insurance options may be cheaper. For example, many Farm Bureau insurance companies are only available in one state, but in our analysis they are always some of the cheapest.

Cheap state car insurance

What is considered cheap car insurance will vary depending on where you live, because rates vary from state to state.

For the sake of comparison, we found the cheapest car insurance company on average in each state and Washington, D.C.

State

Cheapest company

Average annual rate

Alabama

Geico

$261

Alaska

Geico

$274

Arizona

Geico

$272

Arkansas

Southern Farm Bureau Insurance

$261

California

Geico

$374

Colorado

American National

$192

Connecticut

Geico

$421

Delaware

Geico

$568

Florida

Geico

$704

Georgia

Auto-Owners

$314

Hawaii

Geico

$285

Idaho

American National

$135

Illinois

Pekin

$234

Indiana

Pekin

$195

Iowa

Western National

$164

Kansas

State Farm

$322

Kentucky

Kentucky Farm Bureau

$389

Louisiana

Geico

$443

Maine

Geico

$176

Maryland

Geico

$559

Massachusetts

State Farm

$209

Michigan

Travelers

$106

Minnesota

North Star

$259

Mississippi

State Farm

$337

Missouri

Columbia

$289

Montana

State Farm

$213

Nebraska

EMC

$181

Nevada

Geico

$329

New Hampshire

MMG

$209

New Jersey

Amica

$539

New Mexico

Central Insurance

$224

New York

Main Street America

$572

North Carolina

Geico

$278

North Dakota

Nodak

$174

Ohio

Erie

$211

Oklahoma

Geico

$247

Oregon

State Farm

$443

Pennsylvania

Geico

$181

Rhode Island

State Farm

$310

South Carolina

American National

$217

South Dakota

Farmers Mutual of Nebraska

$172

Tennessee

Grange Insurance Company

$193

Texas

Geico

$377

Utah

Geico

$305

Vermont

Union Mutual

$182

Virginia

Geico

$305

Washington

Grange Insurance Association

$327

Washington, D.C.

Geico

$374

West Virginia

Erie

$298

Wisconsin

Geico

$203

Wyoming

Geico

$170

But state averages can tell you only so much. Even within a state, car insurance rates for minimum coverage can differ. That’s why ibsaudioprogram100 analyzed rates for some of the largest cities in the U.S.

Take a look at the cheapest car insurance options by clicking on your city in the table below

Cheap car insurance analysis by city

Albuquerque

Louisville

Atlanta

Memphis

Austin

Miami

Boston

Nashville

Charlotte

New York City

Chicago

Oklahoma City

Colorado Springs

Omaha

Columbus

Philadelphia

Dallas

Phoenix

Denver

Portland

Detroit

Raleigh

El Paso

Sacramento

Fort Worth

San Antonio

Fresno

San Diego

Houston

San Francisco

Indianapolis

San Jose

Jacksonville

Seattle

Kansas City

Tampa

Las Vegas

Tucson

Los Angeles

Tulsa

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Cheap auto insurance after an accident or DUI
Depending on your driving record, the most affordable car insurance company varies. The tables below show the average car insurance fees from the largest companies for post-accident drivers, such as DUI.

We have found that Geico has the lowest average rate for drivers with an accident. The American Family is generally the cheapest for drivers with DUI.

The cheapest car insurance after an accident
Company

Average annual rate after a defective accident

1. Geiko

$ 577

2. State farm

618 US dollars

3. Travelers

634 US dollars

4. American family

$ 651

5. Lanlík

$ 901

USA *

$ 535

* USAA car insurance is only available to the military, veterans and their families.

»MORE: How much will the car insurance premium increase after the accident

Cheapest car insurance on DUI
Company

Average annual DUI rate

1. american family

$ 716

2. Travelers

$ 754

3. Progressive

$ 755

4. State farm

$ 839

5. Farmers

$ 905

USA *

$ 621

* USAA car insurance is only available to the military, veterans and their families. »MORE: Find the cheapest car insurance for DUI

Are you looking for cheaper car insurance? Try a small insurance company. Drivers with a serious accident, such as the recent DUI, will find the cheapest car insurance payments with MMG and other insurers in the region.

Prices vary depending on many personal factors. Compare car insurance deals from at least three insurers to find the most affordable car insurance for you. »MORE: Compare car insurance

Cheap car insurance for bad credit
Your driving records are not the only factor that can increase your rates. Many insurers also use credit-based insurance scores to help calculate car insurance rates. This can make it difficult in many states to obtain cheap car insurance with a bad credit card.

A credit score includes the same factors as a regular credit score, such as debt and payment history, but has a different weight. California, Hawaii, Massachusetts and Michigan do not allow insurers to use credit to determine car insurance fees. »MORE: What you should know about a brand of credit-based insurance

The loan can have a shocking effect on car insurance costs. Drivers with a bad credit card can pay an average of more than $ 400 a year more than those with a good credit card.

Posted by on March 26, 2022.

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Categories: Car insurance

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