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Top 10 Cheapest Car Insurance Companies in the USA (2025)

Usman malik November 16, 2025


Top 10 Cheapest Car Insurance Companies in the USA (2025)

Car insurance costs in the U.S. are rising — but that doesn’t mean you can’t find affordable coverage. In 2025, several insurers stand out for offering competitive rates, especially for liability-only or full-coverage policies. Based on recent industry data (from Forbes Advisor, NerdWallet, MoneyGeek, WalletHub, and more), here are the top 10 cheapest car insurance companies you should consider.

1. USAA

  • Why it’s cheap: USAA consistently shows some of the lowest premiums for full coverage. (Forbes)

  • Catch: Only available to active military, veterans, and their families. (Forbes)

  • Typical rates: According to Forbes Advisor, USAA’s average cost is very low when available. (Forbes)

2. GEICO

  • Why it’s cheap: GEICO is a major player known for very competitive liability-only coverage. (NerdWallet)

  • Discounts: Good driver discounts, multi-vehicle, federal employee, and more. (Nyongesa Sande)

  • Typical rates: According to MoneyGeek, GEICO’s average is about $43/month for liability-only coverage. (MoneyGeek.com)

3. Travelers

  • Why it’s cheap: Travelers offers very low rates for full coverage. (NerdWallet)

  • Typical rates: NerdWallet puts its full-coverage median rate at $143/month. (NerdWallet)

  • Other strength: Good telematics/usage-based programs that can lower costs for safe drivers. (MoneyGeek.com)

4. Nationwide

  • Why it’s cheap: According to Forbes Advisor, Nationwide is often the cheapest for “good” drivers. (Forbes)

  • Versatility: Offers a good mix of coverage options, making it a solid choice for many.

  • Typical rates: Forbes finds that, for some categories like low mileage or good driving record, Nationwide is very competitive. (Forbes)

5. State Farm

  • Why it’s cheap: State Farm is widely available and has good “Drive Safe & Save” programs (telematics) to reduce the premium. (Nyongesa Sande)

  • Typical rates: According to MoneyGeek, after DUI or for certain drivers, State Farm can offer very competitive monthly premiums. (MoneyGeek.com)

  • Trust factor: Large agent network and strong financial backing make it attractive.

6. Progressive

  • Why it’s cheap: Progressive is flexible and offers many discounts, plus its Snapshot usage-based program helps responsible drivers.

  • Typical rates: NerdWallet shows that, for drivers with a DUI, Progressive can be cheaper than many. (NerdWallet)

  • User experience: Known for its strong online tools and quick comparisons.

7. Auto-Owners Insurance

  • Why it’s cheap: According to NerdWallet’s 2025 analysis, Auto-Owners has very low base rates for minimum coverage. (NerdWallet)

  • Customer satisfaction: High NerdWallet rating for price + service. (NerdWallet)

  • Availability: Regional strength in many states — good option if they operate where you live.

8. Mapfre

  • Why it’s cheap: According to NerdWallet, Mapfre offers the cheapest minimum-coverage among its top-rated insurers. (NerdWallet)

  • Best for: Drivers who only want legally required liability coverage and don’t need full protection.

  • Rating: Good user rating on NerdWallet for value. (NerdWallet)

9. Shelter

  • Why it’s cheap: Included in NerdWallet’s list for having low rates for minimum coverage. (NerdWallet)

  • Pros: Good local agent presence, which may help negotiate or understand discounts.

  • Consider: Check if Shelter operates in your state (regional insurance companies vary).

10. Acuity

  • Why it’s cheap: Another insurer highlighted by NerdWallet for affordable minimum coverage. (NerdWallet)

  • Niche appeal: May be especially good for safe drivers or those who don’t need big policies.

  • Customer feedback: Maintains a solid reputation in terms of cost vs. coverage.

Why These Companies Made the List

  • Data-Driven Rankings: This list is based on recent 2025 data from trusted sources like NerdWallet and MoneyGeek. (NerdWallet)

  • Wide Coverage vs. Niche: It mixes large nationwide insurers (GEICO, State Farm) with more regional/lesser-known ones (Mapfre, Acuity) to show a variety of cheap options.

  • Policy Types Considered: The analysis includes different coverage types — liability-only (minimum) and full coverage — because “cheapest” depends heavily on what coverage you need. (MoneyGeek.com)

Tips to Get Even Cheaper Car Insurance

  1. Compare Quotes Carefully: Use online quote tools from at least 3–4 companies — premiums vary a lot based on ZIP code, age, driving history, and coverage.

  2. Raise Your Deductible: Choosing a higher deductible (if you can afford it) often lowers your premium significantly.

  3. Use Discounts: Ask about safe Driver, multi-vehicle, bundling (home + auto), good student, military, and telematics discounts.

  4. Review Annually: Re-shop your insurance every year — rates change frequently, and switching can save money.

  5. Drive Safely: No claims + clean driving record can give big savings, especially with usage-based programs.

Final Thoughts

In 2025, finding cheap car insurance in the U.S. is still very possible — but “cheapest” doesn’t mean the same for everyone. Your best option depends on your driving profile, where you live, and the coverage you need. The top 10 companies above are consistently ranked among the most affordable by multiple independent sources, so they’re a great starting point.

Bottom line: Get multiple quotes, know your coverage needs, and don’t be afraid to switch — that’s how you maximize savings without sacrificing protection.

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