When looking for the cheapest car insurance, you can start with USAA, Erie Insurance, Root Insurance, Geico, and the State Farm. Based on our in-depth research, all of these companies offer competitive rates. Below, we’ve looked at average rates and coverage options to help you find the best auto insurance provider for your needs.
If you’ve ever been wondering how to get cheap car insurance, we recommend looking for quotes from providers so you can compare coverage and rates. In addition to which insurance company you should choose, factors such as your age, vehicle and driving history can affect your premium.
What is the cheapest car insurance company?
According to our pricing estimates, USAA is the cheapest provider overall with full coverage rates as low as $990 per year. This rating applies to good drivers over the age of 35 with good credit scores. We also found the USAA to be the cheapest option in 29 states in our nationwide cost review.
1. USAA: Cheapest Car Insurance for Military Families
USAA not only offers some of the cheapest liability insurances, but they also offer full coverage. According to our estimates, USAA costs about $990 per year for a 35-year-old driver.
The company also reached the top of our other charts. The only problem with USAA is that not everyone will be eligible for coverage because it only covers military, veterans and their families.
USAA also offers perks like roadside assistance, accident forgiveness, rental car coverage, and vehicle replacement assistance (CRA). USAA also offers other types of insurance, including life insurance, homeowners or renters insurance, and health insurance.
We love the USAA mobile app, which makes submitting a claim simple. Additionally, the organization is known for superior customer satisfaction. USAA has the highest score among the major insurance companies in J.D. Power 2021 in the US As insurers in the US outperformed every provider in every region in JD Power 2021.
2. Erie Insurance: The cheapest car insurance to collect discounts
Another provider that appears on three of our four lists is Erie Insurance. This company offers cheap auto insurance quotes online and is known for their customer service. The average 35 year old driver pays about the $1,183 a year, according to our pricing estimates. The downside to Erie insurance is that coverage is not available in every state.
Looking at Better Business Bureau (BBB) ratings for Erie Insurance, you’ll find that this provider has an A+ rating. Furthermore, a J.D. auto insurance study suggests Power notes that Erie is a leader wherever coverage is sold.
Erie insurance may be right for you if:
- You live in a roofed country
- I had an accident
- Your credit score is excellent
3. Root Lock: Best Usage-Based Security
The Root insurance is a little different from other insurance providers. Instead of getting auto insurance premiums based primarily on your driving history, it weighs your driving behavior first. To get a quote from Root Insurance, you must first record your driving behavior through the Root mobile app, which can take up to two weeks.
Because Root provides coverage only for good drivers, it often pays less, making it one of the cheapest car insurance providers. However, root can refuse coverage if you are not a good driver.
Root insurance provides all types of standard coverage. On top of that, every plan comes with the roadside assistance.
Root may be right for you if:
- You are a good driver
- Prefer to do everything through the mobile application
4. Geico: The Cheapest Car Insurance for Good Drivers
Geico is not only famous for its commercials – it is also one of the cheapest car insurance providers. According to our pricing estimates, Geico costs about $1,356 per year for a 35-year-old.
While Geico may not be the best choice for someone with a spotty driving record, safe drivers find plenty of benefits in using the provider. Geico benefits include roadside assistance, ride insurance, and mechanical failure coverage.
In addition, the company has an A+ rating from BBB, in addition to being highly insured by J.D. Power Car Insurance. When you use the organization’s website, you will also find that the quotation process is simple and you can easily track claims. You can find various plans that cover property damage liability and bodily injury liability coverage, as well as comprehensive plans. No matter what type of coverage you choose, you’ll likely get one of the lowest rates through Geico.
Geico may be right for you if:
- Want to customize coverage?
- You have no irregularities in your driving record