The cheapest car insurance

The cheapest option will likely be your state’s minimum car insurance requirements, so we focused our analysis on those minimums. In many states, this is liability-only auto insurance, which pays for property damage and others’ medical bills from accidents you cause.

The absolute cheapest rate we found for minimum car insurance was an average of $9 per month, or $108 per year. But how much you pay for car insurance will vary depending on which state you live in and how clean your driving history is, among other factors.

Here are the cheapest car insurance companies overall, plus the cheapest options for several driver types:

  • The cheapest car insurance company for good drivers: State Farm at $37 per month, on average.

  • The cheapest midsize insurance company: Auto-Owners at $28 per month, on average.

  • The cheapest car insurance after a speeding ticket: State Farm at $45 per month, on average.

  • The cheapest car insurance after an accident: State Farm at $50 per month, on average.

  • The cheapest car insurance after a DUI: State Farm at $68 per month, on average.

  • The cheapest car insurance for poor credit: Geico at $73 per month, on average.

If you want the best of the cheapest, check out NerdWallet’s roundup of the best cheap car insurance companies.

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