Top 10 Cheapest Car Insurance Companies in Every State
For those looking for the best car insurance on a budget, MoneyGeek scored insurers in every state based on a blend of affordable rates, strong customer satisfaction ratings and excellent claims experience.
GEICO had the highest overall score for affordability and customer satisfaction. They also offer discounts for taking driver education or defensive driving courses, which can further reduce your premium.
GEICO
GEICO is one of the cheapest car insurance companies in the country, offering an average savings of $1,192 per year. It also has more discounts than most other carriers, including special savings for military members and federal employees.
GEICO also has a mobile app to help you manage your policy and file claims. They’ve also partnered with Amazon Alexa and Google Assistant to allow customers to check the status of their claims using their voice.
Auto-Owners
Auto-Owners offers competitive car insurance rates and a wide range of coverage options. Its customer service is good, and it’s available in many states.
Its structure is unique among the major insurers, as it works exclusively through independent agents. That may benefit those who like to work with local experts or have a strong relationship with their agent.
State Farm
State Farm is the cheapest car insurance company in the country for those who don’t have an accident or a ticket on their driving record. It also has one of any auto insurer’s best customer service reputations.
Those with a good credit score or military background could save even more money at State Farm. You can also bundle other policies with your State Farm policy to save more.
Progressive
Progressive is one of the largest car insurance companies in the country. Their large size allows them to offer a wide range of discounts and low rates for safe drivers.
Progressive offers several discounts, including a pay-in-full discount and automatic payment discounts. Additionally, they offer multi-car and continuous auto insurance discounts.
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Allstate
One country’s largest auto insurance company, Allstate, offers various coverage options and discounts. It also provides unique rideshare insurance for drivers who work with Uber or Lyft.
Allstate offers several ways to save on auto insurance, from breaking discounts for students to bonuses for paying your premium in full or setting up automatic payments. You can find out more about each value by reviewing your policy.
NYCM
NYCM offers a wide variety of insurance products for individuals and businesses. They also have a strong reputation for outstanding customer service and security.
They have a low NAIC complaint rate, which means they have few consumer complaints. This makes them a good choice for people looking for a great car insurance company.
USAA
USAA is a well-regarded car insurance company, especially for military servicemen and women. It has a good reputation for customer service and a low complaint index from the NAIC.
Its rates are among the cheapest in the country, and it offers discounts for bundling insurance policies. It’s also one of the most affordable companies to insure senior drivers, charging less than the national average.
Kemper
Kemper offers the cheapest car insurance in the country for drivers with good driving records and no accidents. It also has unique discounts, such as pay-in-full, proof of prior insurance and multi-car coverage.
They also offer gap insurance, which covers the difference between the amount you owe on your vehicle loan or lease and its actual cash value. Typically included in their total loss policy, it helps protect you from financial devastation if your car is stolen or damaged.
Kemper Insurance
If you’re looking for a reliable car insurance company that caters to high-risk drivers, Kemper might be the right choice. It offers basic and nonstandard policies in 26 states and several discounts.
WalletHub ranked Kemper as the third cheapest car insurance company in the country. However, it’s worth noting that rates are higher for young drivers and those with a history of driving violations.
New York Central Mutual
New York Central Mutual (NYCM) is a large regional insurance company that serves drivers throughout New York. NYCM offers auto, homeowners, and commercial policies.
The company has over 120 years of experience insuring policyholders in the state. It also has a strong reputation for customer service.
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