Comparing quotes online from multiple providers ensures you know where you stand and can help you find the lowest premiums. Insurance-comparison websites help drivers get quotes from hundreds of insurance companies quickly and easily.
Generally, you’ll need to enter some basic personal information and details about your vehicle and driving habits. You’ll have quotes from multiple companies in minutes.
:max_bytes(150000):strip_icc()/GettyImages-1328171458-5b2c06f6aaf241388c8718208fb65540.jpg)
Cheapest car insurance companies
Some insurance companies have lower premiums than others. COUNTRY Financial, Auto-Owners, and USAA offer the lowest liability-only car insurance quotes on average, starting at $40 a month.
Here’s a look at some of the best cheap car insurance companies to consider when looking for auto insurance coverage.
Insurance Company | Average Monthly Quote |
|---|---|
| COUNTRY Financial | $40 |
| Auto-Owners | $45 |
| USAA | $52 |
| State Farm | $56 |
| NJM | $63 |
| Mile Auto | $68 |
| Allstate | $74 |
| American Family | $79 |
| Erie | $80 |
| Commonwealth Casualty | $86 |
| Safeco | $88 |
| Root | $90 |
| Dairyland | $91 |
| GEICO | $91 |
| The General | $94 |
| National General | $95 |
| Direct Auto | $95 |
| Mercury | $95 |
| Nationwide | $96 |
| Travelers | $99 |
| Bristol West | $101 |
| Progressive | $101 |
| GAINSCO | $103 |
| Farmers | $110 |
| Anchor | $112 |
| Elephant | $118 |
| Chubb | $119 |
| CSAA | $125 |
| AssuranceAmerica | $127 |
| 21st Century | $131 |
| Clearcover | $143 |
| Shelter | $148 |
| State Auto | $148 |
| The Hartford | $161 |
| Liberty Mutual | $161 |
| Hugo | $180 |
| Amica | $287 |
Cheapest car insurance by state
Where you live plays a significant role in how much you’ll pay for car insurance. States like North Carolina, Iowa, and Alabama have some of the cheapest average rates compared to other states.
Here’s a look at average monthly liability-only quotes from the cheapest car insurance company in each state, based on Insurify data.
| State | Cheapest Insurance Company | Liability Only |
|---|---|---|
| Alabama | National General | $47 |
| Arizona | Mile Auto | $64 |
| Arkansas | State Farm | $45 |
| California | USAA | $81 |
| Colorado | Progressive | $61 |
| Connecticut | CSAA | $111 |
| Delaware | USAA | $84 |
| Florida | Hugo | $95 |
| Georgia | Hugo | $68 |
| Idaho | Auto-Owners | $32 |
| Illinois | Auto-Owners | $48 |
| Indiana | Auto-Owners | $44 |
| Iowa | State Farm | $24 |
| Kansas | CSAA | $48 |
| Kentucky | National General | $92 |
| Louisiana | State Farm | $65 |
| Maine | USAA | $40 |
| Maryland | CSAA | $131 |
| Massachusetts | State Farm | $56 |
| Michigan | Auto-Owners | $67 |
| Minnesota | State Farm | $63 |
| Mississippi | State Farm | $43 |
| Missouri | USAA | $57 |
| Nebraska | Auto-Owners | $43 |
| Nevada | COUNTRY Financial | $53 |
| New Jersey | CSAA | $99 |
| New Mexico | The General | $59 |
| New York | Liberty Mutual | $90 |
| North Carolina | Direct Auto | $64 |
| Ohio | Mile Auto | $40 |
| Oklahoma | State Farm | $41 |
| Oregon | Mile Auto | $70 |
| Pennsylvania | Hugo | 440 |
| South Carolina | USAA | $68 |
| Tennessee | Mile Auto | $43 |
| Texas | State Farm | $59 |
| Utah | USAA | $59 |
| Virginia | Hugo | $48 |
| Washington | State Farm | $55 |
| Washington, D.C. | CSAA | $93 |
| West Virginia | State Farm | $50 |
| Wisconsin | USAA | $37 |
Car Insurance FAQ — United States
1. What is car insurance and why do I need it?
Car insurance protects you financially if your car is damaged, stolen, or if you’re involved in an accident. Most U.S. states require at least liability coverage to drive legally.
2. What types of car insurance coverage are available?
Common types include:
- Liability Coverage – covers damage or injuries you cause to others.
- Collision Coverage – pays for damage to your car in an accident.
- Comprehensive Coverage – protects against theft, fire, or natural disasters.
- Uninsured/Underinsured Motorist – covers costs if the other driver has no or too little insurance.
- Medical Payments / Personal Injury Protection (PIP) – covers medical expenses for you and your passengers.
3. How much car insurance coverage do I need?
It depends on your state laws, vehicle value, and financial situation.
Most experts recommend getting more than the minimum legal requirement, especially if you drive frequently or have a new car.
4. What affects my car insurance rates?
Insurance companies calculate your premium based on:
- Driving history and claims record
- Age and gender
- Type and value of your car
- ZIP code and local accident rates
- Credit score (in most states)
- Chosen coverage level and deductible
5. How can I lower my car insurance premiums?
You can reduce your rates by:
- Comparing multiple quotes (Kickbackly helps with that!)
- Bundling auto + home insurance
- Increasing your deductible
- Maintaining a clean driving record
- Installing safety devices or telematics apps
- Asking about student, military, or safe driver discounts
6. Does my car insurance cover rental cars?
Some policies include rental car coverage, while others require an add-on.
It’s best to check with your insurer before renting — or use a credit card that includes rental car insurance benefits.
7. What should I do after a car accident?
- Ensure everyone is safe and call 911 if needed.
- Exchange information with other drivers.
- Take photos of the scene.
- Report the accident to your insurance company as soon as possible.
8. Is car insurance required in every U.S. state?
Almost every state requires liability insurance, except New Hampshire (which allows proof of financial responsibility instead).
However, driving without insurance is illegal in nearly all states.
9. Can I drive without car insurance if my car is paid off?
No. Even if your car is fully paid, you still need at least the minimum liability coverage required by your state. Otherwise, you risk fines, license suspension, or even vehicle impoundment.
10. How often should I compare car insurance quotes?
At least once a year — or whenever you move, buy a new car, or your policy renews. Prices change often, and comparing quotes can save you hundreds annually.
11. Does checking quotes affect my credit score?
No. Getting quotes through Kickbackly or any comparison tool uses a soft check, which does not affect your credit score.
12. How long does it take to get a quote
Usually less than 2 minutes.
Kickbackly instantly compares rates from top insurers in your state to help you find your best option.
