CarInsuranceGuide Updated May 2026
CHEAPEST CAR INSURANCE 2026

Cheapest Car Insurance 2026

We ranked the lowest-cost car insurance companies for 2026. Full coverage starts from ~$100/month. Minimum coverage from ~$50/month.

Cheapest Car Insurance Companies — Ranked by Price

CompanyMin Coverage/moFull Coverage/yrBest ForGet Quote
GEICO~$50/mo~$1,200/yrClean recordsQuote →
Progressive~$60/mo~$1,350/yrHigh-risk driversQuote →
State Farm~$65/mo~$1,480/yrBest serviceQuote →
Nationwide~$70/mo~$1,600/yrUsage-basedQuote →
Allstate~$85/mo~$1,820/yrFeaturesQuote →

FAQ — Cheapest Car Insurance

GEICO is consistently cheapest for clean-record drivers at ~$1,200/year. Progressive is cheapest for high-risk drivers. Erie Insurance is the cheapest in states where it operates.
Minimum liability averages $50-80/month nationally. Cheapest states (Ohio, Maine) average $30-40/month. Most expensive states (Florida, New York) average $100-150/month.
Compare 3+ quotes, choose higher deductible, bundle home and auto, maintain clean record, take defensive driving course, use usage-based programs like Progressive Snapshot or State Farm Drive Safe & Save.
Minimum coverage only pays for damage you cause to others. It does not cover your own car. If your car is worth more than $5,000, full coverage is usually recommended.
Ohio, Maine, and Vermont have the cheapest car insurance in the US, averaging $800-1,100/year for full coverage. Florida, New York, and Louisiana are the most expensive.