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Cheapest Car Insurance Companies of 2026
The 10 cheapest car insurance companies of 2026 ranked by actual rates — Travelers leads full coverage at $138/mo and GEICO wins liability at $41/mo.
Read guideCheapest Car Insurance in Washington (2026)
State Farm leads Washington at $57/mo for liability coverage. Compare the cheapest WA companies, city rates, and the PIP rule most drivers miss.
Read guideCheapest Car Insurance in Arizona (2026)
Auto-Owners leads Arizona at $48/mo for liability coverage. Compare the cheapest AZ companies, city rates, and why pay-per-mile wins in the desert.
Read guideCheapest Car Insurance in New Jersey (2026)
NJM leads New Jersey at $119/mo for liability coverage. Compare the cheapest NJ companies, 2026 rate trends, and the state's three policy types.
Read guideCheapest Car Insurance in North Carolina (2026)
Erie leads North Carolina at $56/mo in the 8th-cheapest state. New 50/100/50 minimums, SDIP surcharges, and city rates inside.
Read guideCheapest Car Insurance in Illinois (2026)
Auto-Owners beats State Farm in its home state at $40/mo liability, $74 full. Chicago's premium, SR-22 costs, and city rates inside.
Read guideCheapest Car Insurance in New York (2026)
Erie leads New York at $69/mo for liability. Borough-to-upstate rate gaps, no-fault PIP rules, and the PIRP discount inside.
Read guideCheapest Car Insurance in Maryland (2026)
USAA leads Maryland at $122/mo, CSAA wins full coverage at $181 — in America's priciest market. City rates and the FR-19 rule inside.
Read guideCheapest Car Insurance in Pennsylvania (2026)
State Farm sweeps Pennsylvania at $49/mo liability and $83/mo full coverage. City rates, tort choice rules, and deer-season savings inside.
Read guideCheapest Car Insurance in Virginia (2026)
Auto-Owners leads Virginia at $55/mo for liability and $98/mo for full coverage. City rates, new 2025 minimums, and military savings inside.
Read guideCheapest Car Insurance in Ohio (2026)
Mile Auto leads Ohio at $35/mo for liability and $55/mo for full coverage — well below the national average. Verified rates inside.
Read guideCheapest Car Insurance in Michigan (2026)
Auto-Owners leads Michigan at $68/mo for liability and $118/mo for full coverage — verified 2026 rates for the most expensive insurance state.
Read guideCheapest Car Insurance in Georgia (2026)
Auto-Owners leads Georgia at $73/mo for liability and $130/mo for full coverage. Compare verified rates by driver profile and coverage level.
Read guideCheapest Car Insurance in Florida (2026)
State Farm leads Florida at $80/mo for liability and $129/mo for full coverage. Compare verified rates by driver profile and coverage level.
Read guideCheapest Car Insurance in Texas (2026)
State Farm leads Texas at $43/mo for liability and $86/mo for full coverage. Compare verified rates by driver profile and coverage level.
Read guideCheapest Car Insurance in California (2026)
USAA leads California at $65/mo for liability, with Aspire General cheapest for full coverage at $121/mo. Compare verified rates by driver profile.
Read guideThe 2026 Auto Insurance Savings Guide
Your guide to saving on auto insurance in 2026: what affects your rate, how to compare quotes, available discounts, and strategies for every driver.
Read guideHow to Comparison Shop for Auto Insurance
How to comparison shop for auto insurance: how many quotes to get, what to compare besides price, and the best times to switch to save $500-$1,500+ a year.
Read guideHow Credit Scores Affect Auto Insurance Rates
How your credit-based insurance score affects your auto insurance premium, which states ban credit scoring, and proven ways to lower your rate.
Read guideAuto Insurance Discounts & Savings
Every auto insurance discount available in 2026 — how bundling, safe driver, good student, telematics, and low-mileage discounts can lower your premium.
Read guideAuto Insurance With a DUI or Bad Driving Record
How a DUI or bad record affects auto insurance rates, how long violations stay on your record, what an SR-22 is, and how to find affordable coverage.
Read guideWhat Affects Auto Insurance Rates the Most?
The 7 factors that most influence your auto insurance premium, from driving record and age to credit score and vehicle type — and which you can control.
Read guideAuto Insurance for Special Situations (2026)
How new drivers, seniors, military members, rideshare drivers, and newlyweds can find affordable auto insurance — tailored strategies for 2026.
Read guideReady to Start Saving?
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