The cheapest midsize car insurance company: Auto-Owners

Finding affordable car insurance doesn’t mean you have to stick with large insurance companies. Auto-Owners and Erie, smaller insurers that offer coverage in multiple states, have even cheaper car insurance rates than State Farm.

While availability can be limited, midsize insurers may beat the cheapest auto insurance prices from larger carriers. Plus, according to a 2022 J.D. Power auto insurance shopping study, customers are often satisfied with these companies.


Average annual rate

Average monthly rate







The Hartford



Auto Club of Southern California



National General



We chose these companies because of their relatively low rates and availability in multiple states. But there may be more affordable auto insurance options where you live.

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