Who Has the Cheapest Car Insurance?

Finding low-cost car insurance can be a thwart, mysterious process. Why do some insurers charge hundreds more for the accurate like coverage ? Why do your indemnity rates go up each year with no explanation ? Are there any companies that offer fairly rates ?
We ’ re so gladiolus you asked. Let Compare.com be your steer to finding cheap car insurance from solid companies .
In This Article:

Cheapest Car Insurance Rates by Driving Record

How much you ’ ll pay for car policy depends a batch on your driving record. It makes sense if you think about it, because policy is all about risk.

If you ’ ve suffer two speeding tickets in the past year, and you besides rear-ended person at a traffic light, car policy companies will assume — rightly or wrongly —that you ’ re a bad driver and you ’ ll be expensive to insure .
On the other hand, if your motor vehicle report is wholly scavenge, then insurers will offer you cheaper car indemnity, because they think you ’ re less probably to cause an accident .
What if you had an doomed class, but in general you ’ re a dear driver ? The good news is that indemnity companies merely consider events within a certain lookback period — normally three years, but it varies by department of state and indemnity company. Tickets, convictions, and accidents from before that menstruation won ’ deoxythymidine monophosphate affect your indemnity rates .
If you ’ ra looking for brassy cable car indemnity when you have a badly drive criminal record, we have two pieces of advice : One, don ’ thymine lie ! When indemnity companies ask you about holocene moving violations and accidents, you might be tempted to fudge the details. But they ’ ll get your motor vehicle record ( MVR ) summary immediately from the department of state, so the truth will come out. And two, compare quotes from several car insurers. As you see below, policy rates for person with a rush ticket, an accident or a DUI can vary a bunch by caller .

Cheapest Rates for Drivers With a Speeding Ticket

Woman getting a speeding ticket
Which company offers the cheap car insurance for people with a speeding ticket ? We reviewed quotation mark data from hundreds of thousands of drivers to find the answer — and it might surprise you .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Commonwealth Casualty $764 $63.63
Dairyland $1,179 $98.23
Gainsco $1,244 $103.70
Clearcover $1,272 $106.00
Direct Auto $1,300 $108.30
Infinity $1,565 $130.42
Liberty Mutual $1,593 $132.72
SafeAuto $1,658 $138.14
The General $1,771 $147.56
Mercury $1,815 $151.28

The insurers with the best rates aren ’ t the huge insurance companies that run television ads nonstop flight. The lead three are Commonwealth Casualty, which serves drivers in Arizona and Texas ; Dairyland, which specializes in higher-risk drivers and motorbike indemnity ; and Gainsco, known for minimum-limits car indemnity. Another strong rival is Clearcover, a new company that uses artificial intelligence and app-based service to offer cheap policy rates .

Cheapest Car Insurance for Drivers After an Accident

One at-fault accident can in truth jack up your car insurance charge. After an accident, don ’ thymine fair accept your indemnity company ’ s raw rates ! Shop around to see what other companies may offer .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Commonwealth Casualty $837 $69.72
Kemper $1,300 $108.36
Gainsco $1,443 $120.27
Safeco $1,512 $126.01
Dairyland $1,514 $126.16
Clearcover $1,578 $131.48
DirectGeneral $1,642 $136.80
Infinity $1,647 $137.28
Mercury $1,680 $140.00
Elephant $1,712 $142.65

According to our analysis of driver quotes, these are the companies that offer the cheapest policy after an accident. The top three are Commonwealth Casualty ; Kemper Auto, which specializes in insurance for people who have had difficulty getting or keeping policy coverage in the past ; and Gainsco .

Cheap Insurance for Drivers With a DUI or DWI

How much does your car indemnity go up after a DUI or DWI ? For some people, rates might rise by 80 % or more ( ouch ! ) Your insurance company might even drop you .
If you need cheap DUI car policy, you should shop around. There are insurers who offer cheap insurance even after a DUI, although rates vary so much that it ’ s hard to rank them in a list. Your indemnity car insurance quote will depend on your senesce and your driving history ( other than the DUI ), arsenic well as where you live .
here are a few companies that offer cheap DUI/DWI insurance :

  • Progressive accepts DUI drivers and raises rates by just 13%, on average, after a DUI.
  • State Farm is known as a good option for drivers with a DUI.
  • The General says yes to high-risk drivers when others say no, making it easy to get affordable SR-22 insurance.
  • American Family Insurance has lower rates for DUI insurance.

Think you ’ re paying excessively a lot for cable car indemnity after a ticket, accident, or DUI charge ? equitable enter your ZIP code below and compare rates from some of the best indemnity companies for free !
Find your Best Rates in Minutes !

Cheapest Car Insurance by Coverage Level 

cheapest coverages

Cheapest of the Cheap: State Minimum Car Insurance

If you ’ ra looking for the cheapest car insurance, what you need is state minimum coverage : a design that meets your department of state ’ mho minimum requirements, gives you basic protection, and allows you to drive legally .
State minimal coverage does not include comprehensive examination or collision coverage. This means that you won ’ t have any protection if your vehicle gets damaged by an at-fault collision, a single-car accident, bad weather or other circumstances when another driver ’ s not at fault .
The minimum policy laws vary a lot, depending on where you live. Most states require bodily wound liability and property damage indebtedness. Some command uninsured & underinsured motorist coverage, checkup payments or personal injury protection ( PIP ) / no-fault policy .
If you ’ re not sure what ’ second required in your state, don ’ thyroxine stress. Just compare quotes on Compare.com ! When you select state minimal as your desire coverage level, we ’ ll only show you indemnity policies that meet those requirements .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Commonwealth Casualty $650 $54.16
Aspire General $718 $59.85
Sun Coast $828 $68.97
FirstChicago $896 $74.66
Clearcover $1,004 $83.65
Kemper $1,011 $84.27
Gainsco $1,038 $86.47
Dairyland $1,078 $89.83
Mercury $1,094 $91.19
DirectGeneral $1,149 $95.79

We examined real-life driver quotes from across the nation to determine which car insurance companies are offering the cheapest department of state minimum insurance rates. You might be surprised to see that the smaller, regional companies come out on top. These include Commonwealth Casualty ( serving Arizona and Texas ) ; Aspire General Insurance, which insures California drivers ; and Sun Coast General Insurance, a California-based company that serves drivers in respective states in the south and west .
Find the Best Rates on State Minimum Car insurance

Cheapest Full Coverage Insurance

country minimum insurance doesn ’ t ferment for everyone. You might need more coverage if you :

  • Have a car loan or are leasing your vehicle, and your lender requires collision and comprehensive
  • Want to make sure your vehicle repairs are covered after a collision or other mishap
  • Need to protect yourself from financial losses in case of an expensive at-fault accident

Full coverage car policy broadly includes three cardinal parts : liability insurance, and collision and comprehensive examination coverage options. Depending on your state of residency, it may besides include uninsured & underinsured motorist coverage, aesculapian payments, or personal wound protective covering ( PIP ) /no-fault indemnity .
The cost of full coverage policy changes depending on the limits you choose. According to the Insurance Information Institute, the average claim for bodily wound is $18,417 and the average claim for property wrong is $4,525. Given that, a 25/50/25 policy sounds like it ’ south more than enough ! But remember, those numbers are merely averages. If you cause an accident that injures four people, their compound injuries could easily cost more than $ 50,000. Your policy wouldn ’ triiodothyronine be able to cover it, and that means the hurt drivers could come after your assets .

25/50/25 Coverage Levels

What is 25/50/25 coverage ? This means you have up to $ 25,000 in bodily injury liability per person injured in an accident, up to $ 50,000 in bodily injury per accident, and up to $ 25,000 in place damage liability. Property damage liability covers only the damage you cause to other people’s property, such as their vehicles. It doesn ’ t cover your own vehicle ( that ’ s what collision/comprehensive is for ) .
We looked at thousands of real drivers ’ on-line quotes to find the 10 insurers with the cheapest 25/50/25 coverage. The top three are regional insurance company Commonwealth Casualty, app-based car insurance company Clearcover, and Gainsco, which specializes in minimum-limits policies .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Commonwealth Casualty $946 $78.84
Clearcover $1,100 $91.67
Gainsco $1,246 $103.84
Safeco $1,306 $108.84
Kemper $1,309 $109.07
FirstChicago $1,336 $111.36
DirectGeneral $1,369 $114.07
Mercury $1,473 $122.78
Dairyland $1,479 $123.29
Liberty Mutual $1,537 $128.11

50/100/50 Coverage Levels

What is 50/100/50 coverage ? This means you have up to $ 50,000 in bodily injury indebtedness per person injured in an accident, astir to $ 100,000 in bodily injury per accident, and improving to $ 50,000 in place damage indebtedness .
many drivers want to know : Is 50/100/50 coverage adequate ? That depends on how much you have to lose. If you have significant savings that you need to protect, then fiscal experts recommend having more policy. But if you live reasonably modestly and you don ’ t have a long ton of assets, then 50/100/50 indemnity is credibly pretty good. Just make sure you shop around to get the best rate !
To find out which insurers offer the cheapest 50/100/50 coverage, we reviewed real quotes for thousands of drivers. In this quote comparison, Kemper Auto Insurance was the clear winner, quoting about $ 103 per month for a policy. Kemper sells policy in all 50 states and Washington, D.C., and specializes in working with drivers who have had perturb getting or keeping car policy in the by. The next bum 50/100/50 policy quotes came from Clearcover and Safeco Insurance, which is character of Liberty Mutual .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Kemper $1,239 $103.27
Clearcover $1,483 $123.59
Safeco $1,673 $139.42
Nationwide $1,696 $141.37
21st Century $1,747 $145.55
SafeAuto $1,774 $147.87
Travelers $1,784 $148.70
AnswerFinancial $1,788 $148.98
DirectGeneral $1,816 $151.31
Mercury $1,947 $162.26

100/300/100 Coverage Levels

What is 100/300/100 coverage ? This means up to $ 100,000 in bodily injury liability per person injured in an accident, up to $ 300,000 in bodily injury per accident, and up to $ 100,000 in property wrong liability .
So… is 100/300/100 policy good ? The abruptly answer : Yes. Experts say most people who have assets ( such as a house or retirement savings ) should protect themselves with car indemnity that has high liability limits .
It might seem like excessively much, but keep in judgment that person injured in an accident when you ’ re at blame could well sue you for six figures. Carrying wide coverage car indemnity with high limits can give you fiscal protection and peace of mind .
In our psychoanalysis of real-world car policy quotes, we found the 10 companies offering the cheapest 100/300/100 policy policies. Look closely and you ’ ll see something matter to : for most carriers, the average monthly premium for a 100/300/100 policy is fair a few dollars higher than a 50/100/50 policy. If you can afford it, decidedly consider upgrading to the soap coverage .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Kemper $1,297 $108.08
Clearcover $1,493 $124.43
SafeAuto $1,578 $131.50
Nationwide $1,639 $136.59
Travelers $1,659 $138.26
Safeco $1,687 $140.59
21st Century $1,740 $144.96
Mercury $1,810 $150.82
Elephant $1,810 $150.85
Amica $2,086 $173.81

Find Out Which Level of Full Coverage Insurance is Right for Your Budget

Cheapest Car Insurance in Each State

You credibly already know that policy rates vary a lot depending on where you live. In some states, the cheapest car indemnity may cost you less than $ 60 per calendar month. In other states ( as you can see below ) your cheapest indemnity quote might be closer to $ 150 .
Why do car insurance rates vary then much by state ? several factors are in play .
A boastfully one is state indemnity laws. For example, North Carolina heavily regulates its car indemnity industry, setting a crown on rates, and thus car insurance is pretty cheap there .
Another component is population density ; heavily urban states, such as Rhode Island and New Jersey, broadly have higher insurance rates than wide-open states like Idaho or Kansas .
so, which caller offers the cheapest indemnity in your state ? We studied thousands of quotes to find the answer — equitable check out the board below :

State Carrier Avg. Monthly Premium
AL Gainsco $58.50
AZ Mercury $59.00
AR DirectGeneral $79.23
CA Aspire $62.97
CO Sun Coast $74.43
CT Safeco $119.48
DE Liberty Mutual $173.04
FL Dairyland $94.76
GA Gainsco $114.81
HI 21st Century $85.70
ID Liberty Mutual $59.00
IL Mercury $61.97
IN Dairyland $50.82
IA Liberty Mutual $59.16
KS Dairyland $57.76
KY SafeAuto $122.60
LA Clearcover $141.71
ME The General $95.56
MA SafeAuto $144.28
MN Safeco $89.23
MS DirectGeneral $91.53
MO Shelter Mutual $90.33
NE Clearcover $87.12
NV Sun Coast $76.72
NH Safeco $72.69
NJ PlymouthRockNJ $133.61
NM Gainsco $64.56
NC Liberty Mutual $69.88
OH Safeco $57.99
OK Gainsco $69.11
OR Mile Auto $61.00
PA AnswerFinancial $76.28
RI Liberty Mutual $297.52
SC Liberty Mutual $118.72
TN Safeco $62.87
TX Commonwealth Casualty $55.01
UT Sun Coast $59.76
VA Mercury $56.66
WA MetroMile $75.16
D.C. Liberty Mutual $158.26
WV Liberty Mutual $81.44
WI Clearcover $67.14

Paying a draw more than what you see above ? Just enter your ZIP code and find your lowest rate in minutes !

Cheap Car Insurance for Students

Finding cheap car policy for college or high school students can be truly rugged. Car insurance companies consider unseasoned drivers to be very bad, so they charge a fortune to insure them .
According to the CDC, “ the risk of drive fomite crashes is higher among teens aged 16–19 than among any other long time group. In fact, per nautical mile driven, adolescent drivers in this senesce group are closely three times angstrom probably as drivers aged 20 or older to be in a black crash. ”

If you ’ re desperately searching for low-cost car insurance for a scholar, don ’ t give up ! There are some becoming options out there .
Remember that many insurers offer discounts for being a commodity scholar — normally this means keeping a B average, although accurate requirements vary. If you ’ re a good driver, excessively, you might be able to save money on your car indemnity by signing up for a usage-based policy. That ’ south when you agree to let the indemnity company track your driving habits with an app or a device, and then set your rates consequently ( more on that downstairs ) .
here are the top 10 cheapest indemnity companies for students, according to Compare.com ’ s data .

Carrier Avg. Yearly Premium Avg. Monthly Premium
Commonwealth Casualty $889 $74.05
Clearcover $1,222 $101.87
Gainsco $1,335 $111.24
DirectGeneral $1,404 $116.97
Infinity $1,408 $117.31
Dairyland $1,440 $119.99
Mercury $1,489 $124.06
Safeco $1,502 $125.20
SafeAuto $1,665 $138.76
Liberty Mutual $1,884 $156.98

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