Who Has the Cheapest Car Insurance? (With 2019 Rates)

The short answer is: it depends on who is applying for the car insurance. Car insurance quotes are highly personal and depend on several factors such as the driver’s credit score, age, driving history, location, car, and other factors such as home ownership and marital status. Each individual will get different quotes from different companies. Even with the same company, drivers may still get different quotes if they shop through different channels: online, on the phone, through the company’s agents, or independent insurance broker.

The best way to find out who has the cheapest car insurance quotes for you is to choose 3-5 companies that you feel most comfortable with and compare your car insurance quotes from these companies.

>>MORE: Understanding Car Insurance Quotes

We analyzed quote data from 18 of the nation’s largest car insurance companies on different factors. We hope to help you determine which companies might have the cheapest car insurance quotes for you.

>>MORE: Top 10 Largest Car Insurance Companies in the US

Cheapest car insurance rates for different credit scores

The light blue cells represent the cheapest rate for the credit range; yellow for the second cheapest; and light orange is for the third cheapest rate.

 Very Poor
(300-579)
Fair
(580-669)
Good
(670-739)
Very Good
(740-799)
Exceptional
(800-850)
Geico$2,000$1,331146311091059
Progressive$3,512$2,084168214381313
State Farm$3,434$1,963158914361254
AllState$3,039$2,119199118021734
21st Century$1,329$1,336163213491356
Allied$1,446$1,0751087911853
American Family$1,883$1,2681202999936
Amica$1,960$1,361133211621052
Auto Club (AAA)$6,405$3,943366729742800
Erie$2,342$1,019881736722
Farmers$2,567$1,701185414441347
Infinity$7,651$4,765389640053862
Liberty Mutual$3,147$2,230207718591783
Mercury$1,087$1,093127111041109
MetLife$3,408$2,088175115021287
Nationwide$1,553$1,237126410981032
Safeco$5,175$2,662193718521647
USAA$2,615$1,2221041901836

Erie, Allied, and USAA have the cheapest car insurance rates across a range of credit scores. However, these three car insurance companies have their own limitations.

Erie only operates in 12 states and District of Columbia: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.

On the other hand, Allied operates in all states EXCEPT for: Alabama, Alaska, Arkansas, Connecticut, Florida, Hawaii, Louisiana, Maine, Massachusetts, Mississippi, New Hampshire, New Jersey, New Mexico, New York, Oklahoma, Rhode Island, Vermont, and West Virginia

Only eligible drivers can buy car insurance from USAA. Eligible drivers include the following, according to the USAA website:

  • Active, retired and honorably separated officers and enlisted personnel of the U.S. military.
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).
  • Adult children (18+) of USAA members who have or had a USAA auto or property insurance policy.
    Widows and widowers of USAA members who have or had a USAA auto or property insurance policy.

Cheapest car insurance rates for different ages

The light blue cells represent the cheapest rate for the credit range; yellow for the second cheapest; and light orange is for the third cheapest rate.

 Teens20s30s40s50s60s
Geico343814131200117411481057
Progressive808322472253162315271392
State Farm570423372343156715421474
AllState631325902596188818741755
21st Century512817641768129712321109
Allied345513681371947906826
American Family37341656166010751078979
Amica525916021607113710941058
Auto Club (AAA)1005145634574315530522865
Erie219310891091746685671
Farmers638819851990149214921391
Infinity1596554905504402636793340
Liberty Mutual642826392646190217751733
Mercury334915271531110110751026
MetLife630524142420157015051403
Nationwide355215541558113711031020
Safeco761025212528210117281674
USAA28071239949945880839

Again, Erie, USAA, and Allied have the cheapest car insurance rates across the age tiers. It is also important to note that Geico, one of the top 4 largest car insurance providers in the US, has the third cheapest rate for drivers in their 30s.

Cheapest car insurance rates for different driving citations

The light blue cells represent the cheapest rate for the credit range; yellow for the second cheapest; and light orange is for the third cheapest rate.

 At-fault accidentDUIReckless drivingSpeeding ticket
Geico1556251822161385
Progressive2211217324322075
State Farm1501380628661968
AllState2256359233542239
21st Century1254390039101768
Allied1203267426811223
American Family975183418381260
Amica1135331427331380
Auto Club (AAA)3942546154754047
Erie7601148752741
Farmers1674319945902030
Infinity4420604760634143
Liberty Mutual2080413034242052
Mercury1108185818631446
MetLife1654317931872069
Nationwide1453265724831458
Safeco1939276128242493
USAA933192814571116

Erie consistently has the cheapest car insurance rates for drivers with all types of citations, followed by USAA and American Family.

>>MORE: Why Did Your Car Insurance Go Up?

Cheapest car insurance rates for different car makes and models

We analyzed the quote data for the top 20 selling cars in America to see which car has the cheapest car insurance rate:

Make and ModelAverage Annual Insurance Premium
Chevrolet Silverado$1,546
Toyota RAV4$1,122
Nissan Rogue/Rogue Sport$1,096
Honda CR-V$619
Toyota Camry$1,156
Chevrolet Equinox$1,350
Honda Civic$772
Toyota Corolla$1,101
Honda Accord$720
Ford Escape$1,028
Ford Explorer$1,081
Toyota Tacoma$1,042
Toyota Highlander$991
Jeep Wrangler$829
Jeep Cherokee$916
GMC Sierra$719
Nissan Sentra$1,123
Nissan Altima$1,185
Hyundai Elantra$1,073
Subaru Outback$886
Ford Fusion$1,183
Subaru Forester$920
Jeep Compass$852
Three popular Honda models top the list for the cheapest average annual premium. This is followed by the Ford F-series, Nissan, and three Toyota models.

>>MORE: Where to Get Free Auto Insurance Quotes Online?

Summary

In summary, you can see above that on average, Eric, USAA, and Allied consistently offer the lowest premiums across a range of credit scores and age ranges. In addition to the 3 companies above, American Field also offers low premiums for drivers with citations. Lastly, don’t forget that your car make and model is also a contributing factor to your insurance premiums. Given the ranges above, it is recommended that you do some online research on 2 – 3 insurance providers you feel comfortable with and get quotes for comparison.

>>MORE: How to Buy Car Insurance: Online or Through an Agent?

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