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The cheapest Comprehensive Auto Insurance starts at $88 per month on average, and companies with the cheapest Comprehensive Auto Insurance include USAA, National, and Geico.
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We at Auto Guides team compare the best car insurance companies to find the best options for drivers. In this article, we will examine the companies that offer the cheapest car insurance and present our top picks.
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Based on our rate evaluation, USAA offers the cheapest car insurance at an average rate of $88 per month for a 35-year-old with a clean driving record. But USAA is only available to members of the military, veterans and their children. Looking at public market providers, Nationwide is the cheapest option, with an average price of $107 per month.
Next, we look at the cheapest car insurance companies broken down by state, driver age and driving record.
Your location is one of the biggest factors that affect your car insurance rates. This section shows the cheapest provider based on our estimate for a 35-year-old driver in each state.
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While companies like Geico and USAA offer car insurance on average, the cheapest company in each state varies. Local providers like Country Money and Farm Bureau insurance are also affordable, so we encourage you to compare all of your options.
* This table does not include USAA. While it is often the cheapest in many states, it is only available to members of the military, veterans and their children.
Age is another important factor in how much you pay for comprehensive auto insurance. Young drivers are associated with an increase in accidents and violations, so they pay more for car insurance. Our average shows that Geico is often the cheapest provider for drivers of all ages.
Your driving record has a big impact on the premium you pay. Depending on your state, you may pay car insurance premiums for three to five years after an accident or violation.
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Based on our average rates, State Farm, Nationwide and Geico are often affordable for dangerous or infringing drivers. However, this is not always the case. Let's look at the average value for different situations.
And has an average annual income of $1,656. Our average here is for speeding 16 to 20 MPH over the limit, and we've found those speeding tickets add up to an average of $583 per year.
Running a stop sign puts people at risk and definitely increases your insurance premiums. Our statistics show that drivers pay an extra $550 a year on average for this type of violation. Nationwide is the cheapest marketplace provider on our list, with an average cost of $1,650 per year.
Having a DUI on your record can cause your insurance premiums to go up. Our statistics show that drivers pay about $1,547 more each year to have a DUI on their record. That's about 89% higher than the average score of a driver with a clean record. If a DUI stays on your insurance record for three years, you'll pay about $4,641 over that period.
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Our average shows State Farm is generally the cheapest provider to get a DUI on your record. American Family, Advanced and Travelers are also affordable.
Having an at-fault accident can increase your premiums by up to 55%, according to our average. State Farm tends to be the cheapest ground service provider to enter this situation, as it offers an average annual price of $1,882.
At-fault accidents and speeding tickets on the same driving record combine to increase your car insurance premiums even more. Our average shows drivers with these two marks on their records pay 86% more for car insurance each year on average. In this case, State Farm is the cheapest market provider, at about $2,077 per year.
With two hit accidents on your record, you become a dangerous driver for insurance. Our statistics show that double-risk drivers pay more than double what clean drivers pay on average, costing them about $2,031 a year.
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In this case, it would be better to have State Farm, USAA, American Family or Nationwide, because they are the four cheapest providers for double risk drivers in their records.
If you have three accidents at fault, you may have a difficult time finding affordable car insurance. State Farm is a major insurer that typically offers the lowest rates for these drivers, about $2,341 a year, but it's still expensive. On average, drivers with three accidents in their most recent insurance history pay $3,706 more per year for car insurance than people with a clean driving record.
After considering average cost estimates for different types of drivers, our top picks for the cheapest full coverage auto insurance are Nationwide, State Farm, Geico, USAA and American Family.
Nationwide is our top choice for the cheapest comprehensive car insurance. The company offers an average price about 26% cheaper than the national average for good drivers, according to our data. It's also nationwide one of the cheapest companies for people with speeding tickets and minor violations on their records.
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The company has an A+ rating and accreditation from the Better Business Bureau (BBB), which indicates that it responds to complaints quickly.
Pros Offers usage-based SmartRide® and mileage-based SmartMiles® programs Offers 11 A+ discounts and a BBB Scored 4.1 out of 5.0 for overall satisfaction in our auto insurance customer survey.
Our review team reached out to Nations for comment on their review but did not receive a response.
After comparing auto insurance companies on price, coverage, reputation, availability and customer experience, we rate State Farm 9.3 out of 10.0 and make it an Editors' Choice. State Farm offers great integration, excellent customer service and great coverage options.
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Students can save with State Farm's excellent student discount and its Steer Clear® program for young drivers. The company has an A+ rating from the BBB.
Pros Wide range of coverage options Offers discounts for many types of drivers Average comprehensive coverage rates about 14% cheaper than the national average Score 4.2 out of 5.0 for overall satisfaction in our auto insurance customer survey
Our review team reached out to State Farm for comment on its review, but did not receive a response.
Geico is another popular provider that offers cheap auto insurance. Our data shows that Geico is the cheapest option in many states, and offers an average rate about 24% cheaper than the market average.
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In our survey of nearly 7,000 auto insurance customers, about 16% of those surveyed had Geico insurance. These customers rated Geico 4.1 out of 5.0 for overall satisfaction and 4.2 for customer service. Geico also has an A+ rating from the BBB.
Professionals offer 16 car insurance discounts Scored 4.1 out of 5.0 for overall satisfaction in car insurance consumer survey Offers the cheapest usage-based DriveEasy plan for those with minor violations.
Our review team reached out to Geico for comment on its score in the JD power survey, but did not receive a response.
The list of cheapest auto insurance companies will not be complete with USAA because it offers the lowest rates for qualified drivers. Our calculations show that the average cost of comprehensive USAA coverage is approximately $1,054 per year, which is 39% cheaper than the national average.
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USAA also has high customer service scores and received a high score in the J.D. Power 2021 US Auto Claims Gams Study℠ with a score of 909 out of 1,000.
Pro Low cost full coverage auto insurance Discounts for military enlistment and basic vehicle reservations Offers SafePilot® insurance plan based on usage 4.3 points 5.0 for overall satisfaction in our survey of auto insurance consumers
Our ratings show that American Family Insurance is another provider that generally offers very cheap auto insurance. Its average price is about 11% cheaper than the national average. It is also one of the cheapest car insurance options for drivers with a DUI or multiple accidents on their record.
American Family has an A rating from the BBB and received the best overall satisfaction rating in our survey of auto insurance consumers, down 4.5 points out of 5.0.
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Pro Affordable Comprehensive auto insurance for multiple drivers Offers 18 discounts BBB rating of A Score 4.2 out of 5.0 for affordability in consumer search auto insurance
Our review team reached out to American Family Insurance for comment on the BBB customer rating score, but the company declined to comment.
Comprehensive auto insurance usually includes liability insurance and comprehensive and collision coverage. Combined, these three types of coverage compensate other drivers when you cause an accident and protect your vehicle
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