The best cheap car insurance in 2026
The Zebra analyzed millions of rates from top car insurance companies to see who has the cheapest rates in 2026. View our top picks for the cheapest car insurance rates from some of America’s most popular and well-regarded insurance companies below, or continue reading to see rates from more large insurance companies.
Car insurance quotes from real drivers
These quotes came straight from The Zebra’s comparison tool. We search, you save.
Drivers in Canfield, OH are getting smart deals on Mercedes-Benz C-Class coverage from Root Insurance.
Our licensed agents guided a driver in Clovis, NM to find this smart deal on their Chevrolet Traverse with The General.
Our licensed agents guided a driver in Springfield, OR to find this smart deal on their Suzuki Grand Vitara with Bristol West.
Drivers in Madison, WI are getting smart deals on Subaru Forester coverage from GEICO.
Drivers in New Castle, IN are getting smart deals on Jeep Renegade coverage from Progressive.
Drivers in Raleigh, NC are getting smart deals on Audi Q5 coverage from Liberty Mutual.
Top 8 cheapest car insurance companies
There are hundreds of car insurance companies in the U.S., but for the purposes of wide accessibility, we focused on including carriers that offer coverage in all 50 states. Among the nationwide providers, Travelers and USAA offer the cheapest rates.
| Company | Full Coverage | Liability Coverage |
|---|---|---|
| Travelers | $764 | $294 |
| USAA | $885 | $271 |
| GEICO | $954 | $294 |
| Progressive | $1,083 | $351 |
| Nationwide | $1,094 | $459 |
| State Farm | $1,144 | $411 |
| Farmers | $1,252 | $430 |
| Allstate | $1,501 | $541 |
Cheapest car insurance companies by state
Perhaps the most important rating factor in car insurance pricing is location— that’s why the cheapest car insurance provider in Texas may differ from California’s. Check out what each of the top eight car insurance companies charge for full coverage in each state below, or learn more about car insurance in your state.
“Cheap insurance does not mean lower quality or a reduced chance of a claim payout. All policies are bound by the same contract and promise to pay in the event of a covered claim. However, a cheaper policy may mean missing out on some potential coverages that are not required but could be beneficial in the event of an accident. Always consult with your insurance professional to determine what is right for you.”
How to find the cheapest car insurance
With so many companies to choose from, the task can seem overwhelming. Through this handy guide, finding the right car insurance company at the best price is simplified. The Zebra has compiled lists of car insurance companies by price for a variety of rating factors like driving history, demographic data, and other factors.
The Zebra’s guides to finding the cheapest car insurance:
If your vehicle is worth less than $4k, you might need to join the 33% of The Zebra’s customers forgoing comprehensive and collision coverage.
The Zebra’s quote tool compares over one hundred companies at once so you don’t have to. See top companies to find the best and cheapest one for you.
If you’re a low-mileage driver, consider if usage-based insurance or a telematics program would benefit you. Companies like Metromile and Mile Auto price their insurance policies by mileage. Telematics programs monitor your driving and reward you for safe driving practices.
Most insurance companies will charge your premium for at-fault accidents for 3 or more years. If possible, avoid filing a claim by paying out of pocket. If you’re unsure of whether or not to file a claim, consult our claims calculator.
Smaller, regional car insurance companies often offer the cheapest rates on the market. Erie, for example, offers competitive premiums (and boasts excellent customer service scores) for drivers in 12 states. Look around locally or check out our guide to car insurance in your area.
Best cheap car insurance for you
Car insurance prices differ for everyone, and companies decide a fair rate based on a series of personal rating factors unique to you. That’s why inexperienced drivers pay higher premiums, why drivers with a history of accidents have increased rates, and why drivers with good credit scores pay less.
The Zebra collected data based on millions of quotes across the country and various driver profiles. Our data concluded that the following companies offer the lowest rates for each demographic*:
How to get cheap car insurance: discounts and tips
If you’re looking for affordable insurance, your best bet is to gather quotes from multiple companies to see which offers the best coverage at the best rate. It’s also a good idea to look into discount opportunities, as most car insurance companies may apply discounts for qualifying drivers. Here’s a list of the most common discounts offered by most providers:
- Multi-policy/bundling
- Safe driver
- Anti-theft devices
- Good driver
- Military
- Multi-car
- Preferred payment
- Good student
- Occupation
