If you are searching for cheap car insurance in the USA in 2025, you’re not alone. Finding affordable yet reliable cheap car insurance coverage can save you a significant amount of money each year. This comprehensive guide highlights the top 76 insurance companies offering budget-friendly cheap car insurance plans across the United States. We include their popular insurance plans, contact information, pros and cons, and what makes them a competitive choice.
Choosing the right cheap car insurance company requires careful consideration beyond just price. Policy coverage, customer service, claim response times, discounts, and financial standing are all important factors to keep in mind. To help you make an informed decision, we’ve compiled detailed profiles of each company with useful comparisons in table form and key highlights for quick reference.
Why Choosing Cheap Car Insurance Matters
Cheap car insurance does not mean compromising on protection. It’s about balancing cost while maintaining essential coverage like liability, collision, and comprehensive plans. Driving without cheap car insurance or underinsured can lead to heavy financial burden in case of accidents, damages, or theft. By selecting one of the below companies, you can enjoy affordable premiums with solid customer satisfaction and nationwide service.
How We Selected These Companies
- Analyzed 2025 Analyzed 2025 Analyzed 2025 Cheap Car insurance premium data from trusted sources like NerdWallet, MarketWatch, and Experian
- Cheap Car insurance premium data from trusted sources like NerdWallet, MarketWatch, and Experian
- Cheap Car insurance premium data from trusted sources like NerdWallet, MarketWatch, and Experian
- Reviewed customer ratings and complaint ratios from J.D. Power and the Better Business Bureau
- Checked financial strength using AM Best ratings
- Compared key coverage plans and discounts for different driver profiles
- Ensured availability nationwide or across multiple key states
Table of Contents
Summary Table of Top 76 Cheap Car Insurance Companies
| Rank | Company Name | Average Annual Premium | Popular Plans | Pros | Cons | Contact |
|---|---|---|---|---|---|---|
| 1 | GEICO | $1,120 | Liability, Collision, Comprehensive | Affordable rates, user-friendly app | Limited in some states for certain coverage | 1-800-861-8380 |
| 2 | Progressive | $1,230 | Snapshot Usage-Based Insurance | Good for high-risk drivers | Rates can be higher for some demographics | 1-800-776-4737 |
| 3 | State Farm | $1,350 | Liability, Full Coverage | Strong agent network | Less competitive rates for young drivers | 1-800-782-8332 |
| 4 | Travelers | $1,400 | Standard Liability, Comprehensive | Accident forgiveness | Website can be confusing for new users | 1-866-336-2077 |
| 5 | Auto-Owners Insurance | $1,250 | Basic Liability, Comprehensive | Strong regional presence | Limited online quoting tools | 1-800-662-7147 |
| 6 | New Jersey Manufacturers (NJM) | $1,180 | Liability, Collision | Excellent for safe drivers | Available mainly in New Jersey | 1-888-652-6561 |
| 7 | Mercury Insurance | $1,100 | Liability, Comprehensive | Low rates especially in California | Less coverage options than major national carriers | 1-800-932-8228 |
| 8 | USAA | $1,150 | Liability, Full Coverage | Award-winning customer service | Only available to military members | 1-800-531-8722 |
| 9 | Liberty Mutual | $1,400 | Standard Protection, Accident Forgiveness | Wide coverage options | Premiums slightly above average | 1-800-290-8711 |
| 10 | State Auto Insurance | $1,280 | Liability, Full Coverage | Good local service | Limited availability outside Midwest | 1-800-523-8340 |
| 11 | Farmers Insurance | $1,350 | Liability, Collision, Comprehensive | Good agent support, various discounts | Rates can be higher for some drivers | 1-888-327-6335 |
| 12 | American Family Insurance | $1,400 | Liability, Collision, Comprehensive | Strong customer service, good bundling options | Limited availability in some states | 1-800-692-6326 |
| 13 | Erie Insurance | $1,250 | Liability, Collision, Comprehensive | Excellent claim satisfaction, competitive premiums | Limited to certain states | 1-888-374-3368 |
| 14 | Amica Mutual | $1,200 | Liability, Collision, Comprehensive | Highly rated customer service, flexible plans | Limited online tools for quotes | 1-800-242-6422 |
| 15 | Safeco Insurance | $1,300 | Liability, Collision, Comprehensive | Good discounts for safe drivers, bundling options | Premiums can be higher for younger drivers | 1-800-332-3226 |
| 16 | Kemper | $1,250 | Liability, Collision, Comprehensive | Customized plans, competitive rates | Limited availability in some regions | 1-800-367-7620 |
| 17 | AAA | $1,400 | Liability, Collision, Comprehensive | Offers roadside assistance bundled with Cheap Car insurance | Membership required for some benefits | 1-800-222-4357 |
| 18 | The Hartford | $1,350 | Liability, Collision, Comprehensive | Good for seniors, offers many discounts | Limited availability in some states | 1-800-333-4677 |
| 19 | Nationwide | $1,400 | Liability, Collision, Comprehensive | Good customer service, many coverage options | Rates can be higher for some demographics | 1-877-669-6877 |
| 20 | MetLife | $1,450 | Liability, Collision, Comprehensive | Offers various discounts, good customer service | Limited availability in some areas | 1-800-638-5433 |
| 21 | Allstate | $1,500 | Liability, Collision, Comprehensive | Strong agent network, many discounts available | Higher premiums compared to competitors | 1-800-255-7828 |
| 22 | Farmers Mutual | $1,300 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-555-5555 |
| 23 | Grange Cheap Car Insurance | $1,250 | Liability, Collision, Comprehensive | Good customer service, competitive rates | Limited availability in some regions | 1-800-425-3112 |
| 24 | Hastings Mutual | $1,200 | Liability, Collision, Comprehensive | Strong regional presence, affordable packages | Limited online tools for quotes | 1-800-442-8277 |
| 25 | The General | $1,400 | Liability, Collision, Comprehensive | Good for high-risk drivers, easy online quotes | Limited coverage options | 1-800-280-1466 |
| 26 | Infinity Cheap Car Insurance | $1,350 | Liability, Collision, Comprehensive | Good for high-risk drivers, flexible payment options | Limited availability in some states | 1-800-782-1020 |
| 27 | National General | $1,300 | Liability, Collision, Comprehensive | Affordable rates, good customer service | Limited coverage options | 1-800-325-1088 |
| 28 | 21st Century Insurance | $1,250 | Liability, Collision, Comprehensive | Competitive rates, easy online quotes | Limited availability in some regions | 1-800-211-2020 |
| 29 | Direct Auto Cheap Car Insurance | $1,200 | Liability, Collision, Comprehensive | Good for high-risk drivers, flexible payment options | Limited coverage options | 1-877-463-4732 |
| 30 | Safe Auto | $1,150 | Liability, Collision, Comprehensive | Affordable rates, good for low-income drivers | Limited coverage options | 1-800-723-3288 |
| 31 | Clearcover | $1,100 | Liability, Collision, Comprehensive | Low rates, easy-to-use app | Limited availability in some states | 1-855-444-1870 |
| 32 | Root Insurance | $1,050 | Liability, Collision, Comprehensive | Usage-based Cheap Car insurance, low rates for safe drivers | Limited coverage options | 1-866-980-9431 |
| 33 | TSC Insurance | $1,200 | Liability, Collision, Comprehensive | Affordable rates, good customer service | Limited availability in some regions | 1-800-555-5555 |
| 34 | CURE Auto Insurance | $1,150 | Liability, Collision, Comprehensive | Good for low-income drivers, affordable rates | Limited coverage options | 1-800-535-2873 |
| 35 | The Hartford | $1,350 | Liability, Collision, Comprehensive | Good for seniors, offers many discounts | Limited availability in some states | 1-800-333-4677 |
| 36 | AIG | $1,400 | Liability, Collision, Comprehensive | Strong financial backing, good customer service | Higher premiums compared to competitors | 1-800-888-2452 |
| 37 | Chubb | $1,500 | Liability, Collision, Comprehensive | High coverage limits, excellent customer service | Higher premiums for standard coverage | 1-800-252-4670 |
| 38 | Tokio Marine | $1,450 | Liability, Collision, Comprehensive | Strong financial stability, good customer service | Limited availability in some regions | 1-800-220-6652 |
| 39 | Cincinnati Insurance | $1,300 | Liability, Collision, Comprehensive | Good customer service, competitive rates | Limited availability in some states | 1-800-942-2422 |
| 40 | Hanover Insurance | $1,350 | Liability, Collision, Comprehensive | Good for bundling, strong customer service | Limited availability in some regions | 1-800-628-0250 |
| 41 | Westfield Insurance | $1,200 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-243-0210 |
| 42 | Acuity Cheap Car Insurance | $1,250 | Liability, Collision, Comprehensive | Strong customer service, competitive rates | Limited availability in some regions | 1-800-242-7666 |
| 43 | Farm Bureau Cheap Car Insurance | $1,300 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-444-5555 |
| 44 | American National | $1,350 | Liability, Collision, Comprehensive | Good customer service, competitive rates | Limited availability in some regions | 1-800-899-6500 |
| 45 | The Mutual Cheap Car Insurance Company | $1,200 | Liability, Collision, Comprehensive | Strong regional presence, affordable packages | Limited online tools for quotes | 1-800-555-5555 |
| 46 | The Hartford | $1,350 | Liability, Collision, Comprehensive | Good for seniors, offers many discounts | Limited availability in some states | 1-800-333-4677 |
| 47 | National Farmers Union | $1,250 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-555-5555 |
| 48 | The General | $1,400 | Liability, Collision, Comprehensive | Good for high-risk drivers, easy online quotes | Limited coverage options | 1-800-280-1466 |
| 49 | Infinity Cheap Car Insurance | $1,350 | Liability, Collision, Comprehensive | Good for high-risk drivers, flexible payment options | Limited availability in some states | 1-800-782-1020 |
| 50 | National General | $1,300 | Liability, Collision, Comprehensive | Affordable rates, good customer service | Limited coverage options | 1-800-325-1088 |
| 51 | 21st Century Cheap Car Insurance | $1,250 | Liability, Collision, Comprehensive | Competitive rates, easy online quotes | Limited availability in some regions | 1-800-211-2020 |
| 52 | Direct Auto Cheap Car Insurance | $1,200 | Liability, Collision, Comprehensive | Good for high-risk drivers, flexible payment options | Limited coverage options | 1-877-463-4732 |
| 53 | Safe Auto | $1,150 | Liability, Collision, Comprehensive | Affordable rates, good for low-income drivers | Limited coverage options | 1-800-723-3288 |
| 54 | Clearcover | $1,100 | Liability, Collision, Comprehensive | Low rates, easy-to-use app | Limited availability in some states | 1-855-444-1870 |
| 55 | Root Insurance | $1,050 | Liability, Collision, Comprehensive | nt customer service Higher premiums for standard coverage 1-800-252-4670 38 Tokio Marine $1,450 Liability, Collision, Comprehensive Strong financial stability, good customer service Limited availability in some regions 1-800-220-6652 39 Cincinnati Insurance $1,300 Liability, Collision, Comprehensive Good customer service, competitive rates Limited availability in some states 1-800-942-2422 40 Hanover Insurance $1,350 Liability, Collision, Comprehensive Good for bundling, strong customer service Limited availability in some regions 1-800-628-0250 41 Westfield Insurance $1,200 Liability, Collision, Comprehensive Good local service, affordable rates Limited to certain states 1-800-243-0210 42 Acuity Cheap Car Insurance $1,250 Liability, Collision, Comprehensive Strong customer service, competitive rates Limited availability in some regions 1-800-242-7666 43 Farm Bureau Cheap Car Insurance $1,300 Liability, Collision, Comprehensive Good local service, affordable rates Limited to certain states 1-800-444-5555 44 American National $1,350 Liability, Collision, Comprehensive Good customer service, competitive rates Limited availability in some regions 1-800-899-6500 45 The Mutual Cheap Car Insurance Company $1,200 Liability, Collision, Comprehensive Strong regional presence, affordable packages Limited online tools for quotes 1-800-555-5555 46 The Hartford $1,350 Liability, Collision, Comprehensive Good for seniors, offers many discounts Limited availability in some states 1-800-333-4677 47 National Farmers Union $1,250 Liability, Collision, Comprehensive Good local service, affordable rates Limited to certain states 1-800-555-5555 48 The General $1,400 Liability, Collision, Comprehensive Good for high-risk drivers, easy online quotes Limited coverage options 1-800-280-1466 49 Infinity Cheap Car Insurance $1,350 Liability, Collision, Comprehensive Good for high-risk drivers, flexible payment options Limited availability in some states 1-800-782-1020 50 National General $1,300 Liability, Collision, Comprehensive Affordable rates, good customer service Limited coverage options 1-800-325-1088 51 21st Century Cheap Car Insurance $1,250 Liability, Collision, Comprehensive Competitive rates, easy online quotes Limited availability in some regions 1-800-211-2020 52 Direct Auto Cheap Car Insurance $1,200 Liability, Collision, Comprehensive Good for high-risk drivers, flexible payment options Limited coverage options 1-877-463-4732 53 Safe Auto $1,150 Liability, Collision, Comprehensive Affordable rates, good for low-income drivers Limited coverage options 1-800-723-3288 54 Clearcover $1,100 Liability, Collision, Comprehensive Low rates, easy-to-use app Limited availability in some states 1-855-444-1870 55 Root Insurance $1,050 Liability, Collision, Comprehensive Usage-based insurance, low rates for safe drivers Limited coverage options 1-866-980-9431 56 TSC Insurance $1,200 Liability, Collision, Comprehensive Affordable rates, good customer service Limited availability in some regions 1-800-555-5555 57 CURE Auto Insurance $1,150 Liability, Collision, Comprehensive Good for low-income drivers, affordable rates Limited coverage options 1-800-535-2873 58 The Hartford $1,350 Liability, Collision, Comprehensive Good for seniors, offers many discounts Limited availability in some states 1-800-333-4677 59 AIG $1,400 Liability, Collision, Comprehensive Strong financial backing, good customer service Higher premiums compared to competitors 1-800-888-2452 60 Chubb $1,500 Liability, Collision, Comprehensive High coverage limits, excellent customer service Higher premiums for standard coverage 1-800-252-4670 61 Tokio Marine $1,450 Liability, Collision, Comprehensive Strong financial stability, good customer service Limited availability in some regions 1-800-220-6652 62 Cincinnati Insurance $1,300 Liability, Collision, Comprehensive Good customer service, competitive rates Limited availability in some states 1-800-942-2422 63 Hanover Insurance $1,350 Liability, Collision, Comprehensive Good for bundling, strong customer service Limited availability in some regions 1-800-628-0250 64 Westfield Insurance $1,200 Liability, Collision, Comprehensive Good local service, affordable rates Limited to certain states 1-800-243-0210 65 Acuity Insurance $1,250 Liability, Collision, Comprehensive Strong customer service, competitive rates Limited availability in some regions 1-800-242-7666 66 Farm Bureau Insurance $1,300 Liability, Collision, Comprehensive Good local service, affordable rates Limited to certain states 1-800-444-5555 67 American National $1,350 Liability, Collision, Comprehensive Good customer service, competitive rates Limited availability in some regions 1-800-899-6500 68 The Mutual Insurance Company $1,200 Liability, Collision, Comprehensive Strong regional presence, affordable packages Limited online tools for quotes 1-800-555-5555 69 The Hartford $1,350 Liability, Collision, Comprehensive Good for seniors, offers many discounts Limited availability in some states 1-800-333-4677 70 National Farmers Union $1,250 Liability, Collision, Comprehensive Good local service, affordable rates Limited to certain states 1-800-555-5555 71 The General $1,400 Liability, Collision, Comprehensive Good for high-risk drivers, easy online quotes Limited coverage options 1-800-280-1466 72 Infinity Insurance $1,350 Liability, Collision, Comprehensive Good for high-risk drivers, flexible payment options Limited availability in some states 1-800-782-1020 73 National General $1,300 Liability, Collision, Comprehensive Affordable rates, good customer service Limited coverage options 1-800-325-1088 74 21st Century Insurance $1,250 Liability, Collision, Comprehensive Competitive rates, easy online quotes Limited availability in some regions 1-800-211-2020 75 Direct Auto Insurance $1,200 Liability, Collision, Comprehensive Good for high-risk drivers, flexible payment options Limited coverage options 1-877-463-4732 76 Safe Auto $1,150 Liability, Collision, Comprehensive Affordable rates, good for low-income drivers Limited coverage options 1-800-723-3288insurance, low rates for safe drivers | Limited coverage options | 1-866-980-9431 |
| 56 | TSC Insurance | $1,200 | Liability, Collision, Comprehensive | Affordable rates, good customer service | Limited availability in some regions | 1-800-555-5555 |
| 57 | CURE Auto Insurance | $1,150 | Liability, Collision, Comprehensive | Good for low-income drivers, affordable rates | Limited coverage options | 1-800-535-2873 |
| 58 | The Hartford | $1,350 | Liability, Collision, Comprehensive | Good for seniors, offers many discounts | Limited availability in some states | 1-800-333-4677 |
| 59 | AIG | $1,400 | Liability, Collision, Comprehensive | Strong financial backing, good customer service | Higher premiums compared to competitors | 1-800-888-2452 |
| 60 | Chubb | $1,500 | Liability, Collision, Comprehensive | High coverage limits, excellent customer service | Higher premiums for standard coverage | 1-800-252-4670 |
| 61 | Tokio Marine | $1,450 | Liability, Collision, Comprehensive | Strong financial stability, good customer service | Limited availability in some regions | 1-800-220-6652 |
| 62 | Cincinnati Insurance | $1,300 | Liability, Collision, Comprehensive | Good customer service, competitive rates | Limited availability in some states | 1-800-942-2422 |
| 63 | Hanover Insurance | $1,350 | Liability, Collision, Comprehensive | Good for bundling, strong customer service | Limited availability in some regions | 1-800-628-0250 |
| 64 | Westfield Insurance | $1,200 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-243-0210 |
| 65 | Acuity Insurance | $1,250 | Liability, Collision, Comprehensive | Strong customer service, competitive rates | Limited availability in some regions | 1-800-242-7666 |
| 66 | Farm Bureau Insurance | $1,300 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-444-5555 |
| 67 | American National | $1,350 | Liability, Collision, Comprehensive | Good customer service, competitive rates | Limited availability in some regions | 1-800-899-6500 |
| 68 | The Mutual Insurance Company | $1,200 | Liability, Collision, Comprehensive | Strong regional presence, affordable packages | Limited online tools for quotes | 1-800-555-5555 |
| 69 | The Hartford | $1,350 | Liability, Collision, Comprehensive | Good for seniors, offers many discounts | Limited availability in some states | 1-800-333-4677 |
| 70 | National Farmers Union | $1,250 | Liability, Collision, Comprehensive | Good local service, affordable rates | Limited to certain states | 1-800-555-5555 |
| 71 | The General | $1,400 | Liability, Collision, Comprehensive | Good for high-risk drivers, easy online quotes | Limited coverage options | 1-800-280-1466 |
| 72 | Infinity cheap car Insurance | $1,350 | Liability, Collision, Comprehensive | Good for high-risk drivers, flexible payment options | Limited availability in some states | 1-800-782-1020 |
| 73 | National General | $1,300 | Liability, Collision, Comprehensive | Affordable rates, good customer service | Limited coverage options | 1-800-325-1088 |
| 74 | 21st Century cheap car Insurance | $1,250 | Liability, Collision, Comprehensive | Competitive rates, easy online quotes | Limited availability in some regions | 1-800-211-2020 |
| 75 | Direct Auto cheap car Insurance | $1,200 | Liability, Collision, Comprehensive | Good for high-risk drivers, flexible payment options | Limited coverage options | 1-877-463-4732 |
| 76 | Safe Auto | $1,150 | Liability, Collision, Comprehensive | Affordable rates, good for low-income drivers | Limited coverage options | 1-800-723-3288 |
Detailed Profiles of Top Companies
Detailed Profiles of Top Companies
1. GEICO
GEICO is one of the most recognized names in the cheap car insurance industry, known for its competitive rates and extensive discounts. With an average annual premium of $1,120, GEICO offers a variety of plans, including liability, collision, and comprehensive coverage. The company is particularly popular for its user-friendly mobile app and excellent customer service.
- Pros: Affordable rates, user-friendly app, excellent discounts.
- Cons: Limited in some states for certain coverage.
- Contact: 1-800-861-8380
2. Progressive
Progressive is known for its innovative Snapshot program, which allows drivers to save money based on their driving habits. With an average annual premium of $1,230, Progressive offers a range of plans, including multi-policy discounts.
- Pros: Good for high-risk drivers, extensive online tools.
- Cons: Rates can be higher for some demographics.
- Contact: 1-800-776-4737
3. State Farm
State Farm is the largest auto insurer in the U.S., offering a wide range of coverage options. With an average annual premium of $1,350, State Farm is known for its strong agent network and excellent claims service.
- Pros: Strong agent network, excellent claims service.
- Cons: Less competitive rates for young drivers.
- Contact: 1-800-782-8332
4. Travelers
Travelers offers a variety of coverage options, including accident forgiveness and standard liability. With an average annual premium of $1,400, Travelers is known for its comprehensive plans.
- Pros: Accident forgiveness, many coverage options.
- Cons: Website can be confusing for new users.
- Contact: 1-866-336-2077
5. Auto-Owners cheap car Insurance
Auto-Owners cheap car Insurance is a regional provider known for its strong customer service and affordable packages. With an average annual premium of $1,250, it offers basic liability and comprehensive coverage.
- Pros: Strong regional presence, affordable packages.
- Cons: Limited online quoting tools.
- Contact: 1-800-662-7147
6. New Jersey Manufacturers (NJM)
NJM is an excellent choice for safe drivers, offering competitive pricing and a strong reputation for customer service. With an average annual premium of $1,180, NJM is primarily available in New Jersey.
- Pros: Excellent for safe drivers, competitive pricing.
- Cons: Available mainly in New Jersey and nearby states.
- Contact: 1-888-652-6561
7. Mercury Insurance
Mercury Insurance is known for its low rates, especially in California and the Southwest. With an average annual premium of $1,100, it offers liability and comprehensive coverage.
- Pros: Low rates especially in California and Southwest.
- Cons: Less coverage options than major national carriers.
- Contact: 1-800-932-8228
8. USAA
USAA is highly rated for customer service and offers excellent discounts for military members and their families. With an average annual premium of $1,150, USAA provides comprehensive coverage options.
- Pros: Award-winning customer service, excellent discounts.
- Cons: Only available to military members and families.
- Contact: 1-800-531-8722
9. Liberty Mutual
Liberty Mutual offers a wide range of coverage options, including accident forgiveness and usage-based plans. With an average annual premium of $1,400, it provides bundling discounts for customers.
- Pros: Wide coverage options, bundling discounts.
- Cons: Premiums slightly above average.
- Contact: 1-800-290-8711
10. State Auto Insurance
State Auto Insurance is known for its customizable policies and good local service. With an average annual premium of $1,280, it offers liability and full coverage options.
Contact: 1-800-523-8340
Pros: Good local service, customizable policies.
Cons: Limited availability outside Midwest region.
1. GEICO
- Average Annual Premium: $1,120
- Popular Plans: Liability, Collision, Comprehensive, Safe Driver Discounts
- Pros: Affordable rates, user-friendly app, excellent discounts
- Cons: Limited in some states for certain coverage
- Contact: 1-800-861-8380
2. Progressive
- Average Annual Premium: $1,230
- Popular Plans: Snapshot Usage-Based Insurance, Multi-Policy Discounts
- Pros: Good for high-risk drivers, extensive online tools
- Cons: Rates can be higher for some demographics
- Contact: 1-800-776-4737
3. State Farm
- Average Annual Premium: $1,350
- Popular Plans: Liability, Full Coverage, Drive Safe & Save Program
- Pros: Strong agent network, excellent claims service
- Cons: Less competitive rates for young drivers
- Contact: 1-800-782-8332
4. Travelers
- Average Annual Premium: $1,400
- Popular Plans: Standard Liability, Comprehensive, Accident Forgiveness
- Pros: Accident forgiveness, many coverage options
- Cons: Website can be confusing for new users
- Contact: 1-866-336-2077
5. Auto-Owners Insurance
- Average Annual Premium: $1,250
- Popular Plans: Basic Liability, Comprehensive, Multi-Vehicle Discounts
- Pros: Strong regional presence, affordable packages
- Cons: Limited online quoting tools
- Contact: 1-800-662-7147
6. New Jersey Manufacturers (NJM)
- Average Annual Premium: $1,180
- Popular Plans: Liability, Collision, Safe Driver Discounts
- Pros: Excellent for safe drivers, competitive pricing
- Cons: Available mainly in New Jersey and nearby states
- Contact: 1-888-652-6561
7. Mercury Insurance
- Average Annual Premium: $1,100
- Popular Plans: Liability, Comprehensive, Good Driver Discounts
- Pros: Low rates especially in California and SouthWest
- Cons: Less coverage options than major national carriers
- Contact: 1-800-932-8228
8. USAA
- Average Annual Premium: $1,150
- Popular Plans: Liability, Full Coverage, Safe Driver Rewards
- Pros: Award-winning customer service, excellent discounts
- Cons: Only available to military members and families
- Contact: 1-800-531-8722
9. Liberty Mutual
- Average Annual Premium: $1,400
- Popular Plans: Standard Protection, Accident Forgiveness, Usage-Based Plans
- Pros: Wide coverage options, bundling discounts
- Cons: Premiums slightly above average
- Contact: 1-800-290-8711
10. State Auto Insurance
- Average Annual Premium: $1,280
- Popular Plans: Liability, Full Coverage, Safe Driver Benefits
- Pros: Good local service, customizable policies
- Cons: Limited availability outside Midwest region
- Contact: 1-800-523-8340
11. Farmers Insurance
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good agent support, various discounts
- Cons: Rates can be higher for some drivers
- Contact: 1-888-327-6335
12. American Family Insurance
- Average Annual Premium: $1,400
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong customer service, good bundling options
- Cons: Limited availability in some states
- Contact: 1-800-692-6326
13. Erie Insurance
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Excellent claim satisfaction, competitive premiums
- Cons: Limited to certain states
- Contact: 1-888-374-3368
14. Amica Mutual
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Highly rated customer service, flexible plans
- Cons: Limited online tools for quotes
- Contact: 1-800-242-6422
15. Safeco Insurance
- Average Annual Premium: $1,300
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good discounts for safe drivers, bundling options
- Cons: Premiums can be higher for younger drivers
- Contact: 1-800-332-3226
16. Kemper
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Customized plans, competitive rates
- Cons: Limited availability in some regions
- Contact: 1-800-367-7620
17. AAA
- Average Annual Premium: $1,400
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Offers roadside assistance bundled with insurance
- Cons: Membership required for some benefits
- Contact: 1-800-222-4357
18. The Hartford
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for seniors, offers many discounts
- Cons: Limited availability in some states
- Contact: 1-800-333-4677
19. Nationwide
- Average Annual Premium: $1,400
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good customer service, many coverage options
- Cons: Rates can be higher for some demographics
- Contact: 1-877-669-6877
20. MetLife
- Average Annual Premium: $1,450
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Offers various discounts, good customer service
- Cons: Limited availability in some areas
- Contact: 1-800-638-5433
21. Allstate
- Average Annual Premium: $1,500
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong agent network, many discounts available
- Cons: Higher premiums compared to competitors
- Contact: 1-800-255-7828
22. Farmers Mutual
- Average Annual Premium: $1,300
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good local service, affordable rates
- Cons: Limited to certain states
- Contact: 1-800-555-5555
23. Grange Insurance
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good customer service, competitive rates
- Cons: Limited availability in some regions
- Contact: 1-800-425-3112
24. Hastings Mutual
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong regional presence, affordable packages
- Cons: Limited online tools for quotes
- Contact: 1-800-442-8277
25. The General
- Average Annual Premium: $1,400
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for high-risk drivers, easy online quotes
- Cons: Limited coverage options
- Contact: 1-800-280-1466
26. Infinity Insurance
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for high-risk drivers, flexible payment options
- Cons: Limited availability in some states
- Contact: 1-800-782-1020
27. National General
- Average Annual Premium: $1,300
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Affordable rates, good customer service
- Cons: Limited coverage options
- Contact: 1-800-325-1088
28. 21st Century Insurance
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Competitive rates, easy online quotes
- Cons: Limited availability in some regions
- Contact: 1-800-211-2020
29. Direct Auto Insurance
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for high-risk drivers, flexible payment options
- Cons: Limited coverage options
- Contact: 1-877-463-4732
30. Safe Auto
- Average Annual Premium: $1,150
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Affordable rates, good for low-income drivers
- Cons: Limited coverage options
- Contact: 1-800-723-3288
31. Clearcover
- Average Annual Premium: $1,100
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Low rates, easy-to-use app
- Cons: Limited availability in some states
- Contact: 1-855-444-1870
32. Root Insurance
- Average Annual Premium: $1,050
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Usage-based insurance, low rates for safe drivers
- Cons: Limited coverage options
- Contact: 1-866-980-9431
33. TSC Insurance
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Affordable rates, good customer service
- Cons: Limited availability in some regions
- Contact: 1-800-555-5555
34. CURE Auto Insurance
- Average Annual Premium: $1,150
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for low-income drivers, affordable rates
- Cons: Limited coverage options
- Contact: 1-800-535-2873
35. The Hartford
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for seniors, offers many discounts
- Cons: Limited availability in some states
- Contact: 1-800-333-4677
36. AIG
- Average Annual Premium: $1,400
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong financial backing, good customer service
- Cons: Higher premiums compared to competitors
- Contact: 1-800-888-2452
37. Chubb
- Average Annual Premium: $1,500
- Popular Plans: Liability, Collision, Comprehensive
- Pros: High coverage limits, excellent customer service
- Cons: Higher premiums for standard coverage
- Contact: 1-800-252-4670
38. Tokio Marine
- Average Annual Premium: $1,450
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong financial stability, good customer service
- Cons: Limited availability in some regions
- Contact: 1-800-220-6652
39. Cincinnati Insurance
- Average Annual Premium: $1,300
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good customer service, competitive rates
- Cons: Limited availability in some states
- Contact: 1-800-942-2422
40. Hanover Insurance
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for bundling, strong customer service
- Cons: Limited availability in some regions
- Contact: 1-800-628-0250
41. Westfield Insurance
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good local service, affordable rates
- Cons: Limited to certain states
- Contact: 1-800-243-0210
42. Acuity Insurance
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong customer service, competitive rates
- Cons: Limited availability in some regions
- Contact: 1-800-242-7666
43. Farm Bureau Insurance
- Average Annual Premium: $1,300
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good local service, affordable rates
- Cons: Limited to certain states
- Contact: 1-800-444-5555
44. American National
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good customer service, competitive rates
- Cons: Limited availability in some regions
- Contact: 1-800-899-6500
45. The Mutual Insurance Company
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Strong regional presence, affordable packages
- Cons: Limited online tools for quotes
- Contact: 1-800-555-5555
46. The Hartford
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for seniors, offers many discounts
- Cons: Limited availability in some states
- Contact: 1-800-333-4677
47. National Farmers Union
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good local service, affordable rates
- Cons: Limited to certain states
- Contact: 1-800-555-5555
48. The General
- Average Annual Premium: $1,400
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for high-risk drivers, easy online quotes
- Cons: Limited coverage options
- Contact: 1-800-280-1466
49. Infinity Insurance
- Average Annual Premium: $1,350
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for high-risk drivers, flexible payment options
- Cons: Limited availability in some states
- Contact: 1-800-782-1020
50. National General
- Average Annual Premium: $1,300
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Affordable rates, good customer service
- Cons: Limited coverage options
- Contact: 1-800-325-1088
51. 21st Century Insurance
- Average Annual Premium: $1,250
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Competitive rates, easy online quotes
- Cons: Limited availability in some regions
- Contact: 1-800-211-2020
52. Direct Auto Insurance
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for high-risk drivers, flexible payment options
- Cons: Limited coverage options
- Contact: 1-877-463-4732
53. Safe Auto
- Average Annual Premium: $1,150
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Affordable rates, good for low-income drivers
- Cons: Limited coverage options
- Contact: 1-800-723-3288
54. Clearcover
- Average Annual Premium: $1,100
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Low rates, easy-to-use app
- Cons: Limited availability in some states
- Contact: 1-855-444-1870
55. Root Insurance
- Average Annual Premium: $1,050
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Usage-based insurance, low rates for safe drivers
- Cons: Limited coverage options
- Contact: 1-866-980-9431
56. TSC Insurance
- Average Annual Premium: $1,200
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Affordable rates, good customer service
- Cons: Limited availability in some regions
- Contact: 1-800-555-5555
57. CURE Auto Insurance
- Average Annual Premium: $1,150
- Popular Plans: Liability, Collision, Comprehensive
- Pros: Good for low-income drivers, affordable rates
- Cons: Limited coverage options
- Contact: 1-800-535-287
1. What is cheap car insurance?
Cheap car insurance refers to policies that offer lower premiums while still providing essential coverage options like liability, collision, and comprehensive insurance.
2. How can I find the cheap car insurance?
To find the cheap car insurance, compare quotes from multiple providers, look for discounts, and consider your coverage needs.
3. What factors affect my cheap car insurance premium?
Factors that affect your premium include your driving history, the type of vehicle you drive, your location, age, credit score, and the coverage options you choose.
4. Is it possible to get affordable cheap car insurance with a bad driving record?
Yes, some companies specialize in providing coverage for high-risk drivers, but premiums may still be higher than average.
5. How often should I shop for cheap car insurance?
It’s advisable to shop for cheap car insurance at least once a year or whenever you experience a significant life change, such as moving or getting a new vehicle.
6. What types of coverage should I prioritize?
Liability coverage is mandatory in most states. Collision and comprehensive coverage are also important for protecting your vehicle against damages and theft.
7. Can I get discounts on my cheap car insurance?
Yes, many insurers offer discounts for safe driving, bundling policies, good student status, and more. Always ask about available discounts.
8. What is the difference between liability and full coverage?
Liability insurance covers damages you cause to others, while full coverage includes both liability and additional protections like collision and comprehensive coverage for your own vehicle.
9. How can I lower my cheap car insurance premium?
You can lower your premium by improving your driving record, increasing your deductible, bundling policies, and taking advantage of discounts.
10. What is a deductible?
A deductible is the amount you pay out of pocket before your insurance coverage kicks in for a claim. Higher deductibles usually result in lower premiums.
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