Top 10 Best Car Insurance Companies With Cheap and Good Comprehensive in America
Top 10 Best Car Insurance Companies With Cheap and Good Comprehensive in America

The number of privately owned vehicles in the United States has had a significant rise in recent years, and the demand for cheaper and affordable car insurance is essential for all car owners. There are many excellent car insurance companies around the country, but it is not easy to find ones that are cheap and have good services. This article might help you with that, so take a look at the 10 best car insurance companies in America.

The USS average representative car insurance rate is $1,321 per year. Of the nine companies in US News study, USAA, Geico, State Farm, Travelers, and Nationwide have average rates that are cheaper than the overall national average.

Is car insurance required in the United States?

Car insurance is sometimes expensive, often confusing, and almost always mandatory in the US. Car insurance laws are set and enforced at the state level, and 49 of the 50 states in America require all drivers to carry an active car insurance policy. New Hampshire is the only state in which you are not legally required to have car insurance, as long as you can show proof of financial responsibility.

The primary reason car insurance is required is because of your liability, i.e., responsibility, for any damage you cause. Although you may carry optional comprehensive and collision coverage to cover your vehicle, the coverages required by most states' laws are bodily injury and property damage insurance. These coverages — through state-specific coverage limits — provide financial relief for victims of damages you cause in an accident. Since your vehicle has the potential to cause physical or material harm, you need to carry enough insurance to cover the costs of these damages.

To legally register and drive your vehicle, you need to maintain at least your state's minimum level of liability insurance. If your vehicle is leased or financed, you may need to go above and beyond, carrying comprehensive and collision coverage with low deductibles and gap insurance. This is because the third party — usually your dealership or bank — wants to protect its investment with a higher level of coverage.

List of The Top 10 Best Car Insurance Companies in America

(Cheapest Quotes and Good Services)

1. USAA

2. Geico

3. State Farm

4. Travelers

5. Nationwide

6. Progressive

7. American Family

8. Farmers

9. Allstate

10. Erie

*****

What Is the Cheapest Car Insurance Company in the US?

Three companies consistently led the pack with the lowest yearly rates for the driver groups USNews examined: USAA, Geico and State Farm, according to USNews.

USAA is tough to beat for cheap car insurance, but you need a connection to the military to qualify for coverage. For that reason, USNews kept USAA’s rates for the sake of comparison, but omitted the company from the bulk of our analysis of the cheapest car insurance providers. USAA earns top ratings from its customers, and it has the lowest annual rates for drivers with a clean driving record or poor credit history. USAA also has the lowest car insurance premiums if you have a speeding ticket or an accident on your driving record.

Geico is the cheapest car insurance company USNews found for good drivers that have a clean driving record, but lack a military affiliation. If your credit rating needs work, Geico also offers cheaper car insurance than most of the providers in USNews study.

State Farm is an excellent choice if you need affordable car insurance, but have a less-than-perfect driving record. USNews study found that State Farm has the lowest average cost of car insurance after a DUI. Its rates are also among the most affordable if you have a speeding ticket or an accident on your record.

10 Best Car Insurance Companies in America With Cheapest Quotes and Good Services
The Cheapest Car Insurance Companies - USNews

Cheapest Car Insurance for New Drivers

State Farm and Geico are two of the best car insurance companies in USNews rankings, with great customer feedback in terms of service and claims satisfaction. These two companies also offer the best rates for young drivers.

USNews study shows that in general, rates for 17-year-old females will be lower than rates for males in the same age group.

State Farm comes in with a yearly rate of $2,986 for females at this age, with Geico close behind at $3,111. That’s a savings of 34% with State Farm when compared with the national average. When it comes to males, Geico has the cheaper rate, $3,414, which saves 34% compared with the national average. State Farm is next cheapest, at $3,661.

Cheapest Car Insurance for Good Drivers

Geico is the best choice for most consumers due to USAA’s membership requirements.

Geico’s annual rate of $1,100 represents a savings of about 17% compared with the national average of $1,321. Geico is also one of the best insurance companies in USNews rankings, with great reviews from actual Geico customers.

Being a safe driver and maintaining a clean record is essential to getting cheap car insurance. Good drivers are less likely to file a claim, so insurance companies offer lower rates than those available to drivers with speeding tickets or crashes in their driving history.

What are the best car insurance companies in America?

1. USAA

Photo:  time.com
Photo: time.com

USAA sells insurance for cars, motorcycles, ATVs, motorhomes, boats, and classic cars. And, for those who fly to their destinations, aviation insurance. Optional coverage types include roadside assistance and rental reimbursement.

Current and former U.S. military members, and spouses, and children of U.S. military members are eligible for USAA insurance.

For drivers concerned about a rate increase after an at-fault accident, USAA offers accident forgiveness insurance. If you remain accident-free for five years, your premium won’t go up after one at-fault accident.

USAA also offers rideshare coverage for drivers with Uber, Lyft, and other services.

USAA earns top marks from all major third-party agencies for customer service and financial strength. Coupled with having the lowest average full coverage premium on our list, military and veteran families are privy to multiple coverage options, rewards, and discounts, including unique circumstances like deployment for active-duty members. While not all drivers may qualify for coverage from USAA, the company is a standout for millions of military families across the country.

USAA Auto Insurance Discounts

If you’ve had USAA auto insurance for a few years, you can benefit from the Length of Membership Savings. Other discounts include:

  • Safe driver discount: Do you have a clean driving record for the past five years? If so, you could save money on your premiums.
  • Defensive driver discount: If you take an approved course to improve your driving skills, you may receive a discount.
  • Driver training discount: Are you younger than age 21? Drivers under 21 can take a basic driving course and save money on their auto insurance policy.
  • Good student discount: For students who maintain good grades, you can receive a discount on your auto insurance.
  • New vehicle discount: For cars that are three years old or newer, you can qualify for this discount.
  • Multi-vehicle discount: If you have two or more vehicles on a policy, you can save money on your policy.
  • Annual mileage: Based on the number of miles you drive per year, you may qualify for a discount.
  • Vehicle storage: When you store your vehicle, you can save up to 60% on your auto insurance.
  • Family discount: If your parents have USAA insurance, you can save on your premium.
  • Military installation discount: When you garage your car on the base you could save up to 15% on your comprehensive coverage.
  • Length of membership savings: If you maintain coverage with USAA for several years you may save money on your insurance.

2. Geico

Photo:  Insurance Journal
Photo: Insurance Journal

The Government Employees Insurance Company is an American auto insurance company with headquarters in Chevy Chase, Maryland. It is the second-largest auto insurer in the United States, after State Farm. GEICO is a wholly-owned subsidiary of Berkshire Hathaway that provides coverage for more than 24 million motor vehicles owned by more than 15 million policy holders as of 2017. GEICO writes private passenger automobile insurance in all 50 U.S. states and the District of Columbia. The insurance agency sells policies through local agents, called GEICO Field Representatives, over the phone directly to the consumer via licensed insurance agents, and through their website. Its mascot is a gold dust day gecko with a Cockney accent, voiced by English actor Jake Wood from 2005 until his termination due to a pay dispute in 2015. GEICO is well known in popular culture for its advertising, having made numerous commercials intended to entertain viewers.

GEICO also offers property insurance, as well as umbrella coverage which GEICO sells, but the risk on the policies is transferred to third-party companies. GEICO manages the policies as the “insurance agent” and has a separate customer care team that handles the property and umbrella policies.

Despite the presence of the word "government" in its name, GEICO has always been a private corporation not affiliated with any U.S. government organization.

Geico is one of the few top car insurance companies that will write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies will still be more expensive than standard coverage, a high-risk driver will usually be challenged to find available options for coverage, especially from major insurers. Geico is an easily-accessible option for most people. Drivers with a poor credit-based insurance score are also likely to find more favorable rates with the insurer, as full coverage in this credit tier averages $1,978 annually, compared to the national average of $3,873 per year for those with poor credit standing, according to Bankrate.

Average annual full coverage car insurance rates

Clean record

One speeding ticket

One accident

Average credit

Geico

$1,405

$1,734

$1,971

$1,505

National average

$1,674

$2,062

$2,311

$1,865

3. State Farm

Photo: WGLT
Photo: WGLT

State Farm Insurance is a large group of insurance companies throughout the United States with corporate headquarters in Bloomington, Illinois. State Farm is the largest property and casualty insurance provider in the United States. It is also the largest auto insurance provider in the United States. State Farm is ranked 36th in the 2019 Fortune 500, which lists American companies by revenue.

State Farm relies on exclusive agents (also known as captive agents) to sell insurance. Only State Farm agents can sell State Farm insurance, and their agents can sell only State Farm products.

State Farm receives the highest Bankrate Score among carriers available nationally to all drivers. The company boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly rated mobile app where you can file auto claims and contact your agent.

State Farm Auto Insurance Discounts

Whether you’re a safe driver or have multiple vehicles under one policy, you might be able to save on your State Farm auto insurance rates.

  • Safe driver discount: Whether you maintain an accident-free driving record or educate yourself on best driving practices, you could receive a discount. For example, if you take a defensive driving course or have gone three years without a moving violation or at-fault accident, you could be eligible for a discount.
  • Good student discount: Do you have a full-time student who has a B average or better? If so, you could save up to 25%. And the discount can stay with your student ever after graduation (until they reach age 25).
  • Safe vehicle discounts: For drivers who have newer vehicles with the latest safety features, State Farm offers insurance rewards. For example, if your vehicle was made in 1994 or after (depending on the make and model of the car), you could save up to 40% on medical-related coverage.
  • Loyal customer discounts. Customers who insure more than one vehicle or have other insurance types could land a loyalty discount. For example, drivers who insure at least two vehicles on the same policy could save as much as 20%, and drivers who bundle home, condo, or life insurance with an auto insurance policy could save up to 17%.

What Happens if You Don’t Have Car Insurance In The US?

Driving without car insurance is a disaster waiting to happen. The penalties you’ll face depend on the laws of your state, but fines and court fees are almost a certainty. Most states will also suspend your vehicle’s registration, effective immediately, which means that if you’re caught driving, your vehicle will be towed and impounded. Some states may also suspend your driver’s license. You won’t be able to reclaim your vehicle or reinstate your license until you have proof of insurance, and after you’ve been caught driving with a lapsed policy or with no insurance at all, most insurance companies will charge you a lot more, since you’re an established risk, according to US News.

Different types of car insurance in America:

Liability coverage: Liability coverage is required in most US states as a legal requirement to drive a car. Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

Collision insurance: Collision insurance may cover damage to your car after an accident involving another vehicle and may help to repair or replace a covered vehicle.

Comprehensive insurance: Comprehensive insurance can provide an extra level of coverage in the instance of an accident involving another vehicle. It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

Uninsured motorist insurance: Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents. This coverage is often paired with underinsured motorist insurance.

Underinsured motorist insurance: Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

Medical payments coverage: Medical costs following an accident can be very expensive. Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

Personal injury protection insurance: Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident. Depending on the limits of a policy, personal injury protection could cover as much as 80% of medical and other expenses stemming from a covered accident.

Gap insurance: Car value can depreciate quickly, so an auto insurance settlement might not be enough to cover the cost of a loan. Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

Towing and labor insurance: Available if you already have comprehensive car insurance, towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

Rental reimbursement insurance: Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

Classic car insurance: Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors. Find out if classic car insurance is right for you.

If you don’t currently have auto insurance, it’s crucial to get coverage as soon as possible. Get a free quote for the types of car insurance listed above so you're protected from the unexpected.

What’s the Minimum Car Insurance I Need?

Take the following steps to figure out the least amount of car insurance coverage you need:

1. Find your state minimum requirements -- if you own your car outright and don’t have a high net worth, this might be enough

2. If you have a lease or loan, check your lender’s requirements

3. Determine the value of your assets (including the car as well as savings, home, and business)

Why do your assets matter? If you’re involved in an incident in which damages exceed your insurance coverage, a court may order you to make up the difference, even if you have to drain your savings or sell your belongings. The cost of additional insurance is minimal compared to the financial impact of an expensive collision or disaster.

4. Travelers

Photo: time.com
Photo: time.com

The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company. It is the second-largest writer of U.S. commercial property-casualty insurance, and the sixth-largest writer of U.S. personal insurance through independent agents. Travelers is incorporated in Minnesota, with headquarters in New York City, and its largest office in Hartford, Connecticut. Travelers also maintain a large office in St. Paul, Minnesota. It has been a component of the Dow Jones Industrial Average since June 8, 2009.

The company has field offices in every U.S. state, plus operations in the United Kingdom, Ireland, Singapore, China, Canada, and Brazil. Travelers ranked No. 98 in the 2021 Fortune 500 list of the largest United States corporations with total revenue of $32 billion.

Travelers’ average full coverage car insurance rates come in $349 cheaper than the national average. The company’s numerous car insurance discounts include deals for members of affinity groups, consistent payment, and its proprietary usage-based insurance program called IntelliDrive, which tracks your driving in real-time and awards discounts for safe practices. Travelers’ claims satisfaction is not as highly ranked by customers compared to other companies Bankrate analyzed, which may be worth considering when comparing low-cost coverage against your likelihood of submitting claims, according to Bankrate.

Travelers Car Insurance Discounts

Travelers offer several discounts, especially for drivers who purchase multiple policies through the company. If you enjoy getting ahead of your bills, look for EFT, pay in full and good payers discounts. Other car insurance discounts include:

  • Multi-policy discount: If you bundle your auto insurance with other types of insurance (like homeowners insurance) you can save up to 13% on your auto insurance policy.
  • Multi-car discount: For those who have multiple cars on one auto insurance policy, you could receive a discount.
  • Homeownership discount: Do you own a home or condo? If so, you can save up to 5% off your auto insurance.
  • Safe driver discount: For drivers with no accidents, violations or major comprehensive claims for the past three years, you could save up to 10%, or up to 23% for the past five years.
  • Continuous insurance discount: For drivers who have no gaps in auto insurance coverage, you can save up to 15%.
  • Hybrid or electric vehicle discount: If you own or lease a hybrid or electric car, you could be eligible for a discount.
  • New car discount: If your car is less than three years old, you could save up to 10% for owning a newer model car.
  • ETF, paid in full, and good payer discounts: You could receive discounts up to 15% for setting up automatic payments, paying in full, or always paying on time.
  • Early quote discount: If your Travelers auto insurance policy is about to expire and you get a quote beforehand, you could save between 3% and 10%.
  • Good student discount: Do you have a high school or college student on your policy who maintains a “B” average? If so, you could qualify for an 8% insurance discount.
  • Student away from home discount: If you have a student on your policy that lives 100 miles away and won’t be driving your cars, you could save up to 7% off your policy.
  • Driver training discount: In an effort to encourage young drivers to work on their driving skills, Travelers offers up to 8% off your policy if your young driver takes a qualified training course.

5. Nationwide

Photo:  Irish FA
Photo: Irish FA

Nationwide sells insurance for cars, classic cars, RVs, motorcycles, ATVs, scooters, golf carts and boats. For winter enthusiasts, Nationwide sells insurance for snowmobiles.

For drivers concerned about paying a high deductible in the event of an accident, Nationwide offers a vanishing deductible. Every year you go without an accident, you can earn $100 off your deductible, up to $500 total.

Nationwide also offers accident forgiveness, which helps drivers avoid a rate increase due to an at-fault accident. While you have to pay to add this coverage to your policy, it can help offset the premium increase that typically applies after an at-fault accident, according to Forbes.

Why Nationwide is best for personalized coverage: Drivers can choose how their policy works with Nationwide, with options to select from standard coverage, usage-based insurance and pay-per-mile. Its SmartRide and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection, according to Bankrate.

Average annual full coverage car insurance rates

Clean record

One speeding ticket

One accident

Average credit

Nationwide

$1,485

$1,734

$1,745

$1,577

National average

$1,674

$2,062

$2,311

$1,865

6. Progressive

Photo:  Cosmopolitan
Photo: Cosmopolitan

The Progressive Corporation is an American insurance company, the third largest insurance carrier, and the No. 1 commercial auto insurer in the United States. The company was co-founded in 1937 by Jack Green and Joseph M. Lewis and is headquartered in Mayfield Village, Ohio, USA. The company insures passenger vehicles, motorcycles, RVs, trailers, boats, PWC, and commercial vehicles. Progressive also provides home, life, pet, and other insurance solutions through select companies. Progressive has expanded internationally as well, offering auto insurance in Australia.

Progressive’s handy rate tools and positive customer satisfaction help secure it as one of our best car insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that earns high ratings from third-party agencies.

Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, which is a telematics program that monitors driving and offers discounts for safe driving. Even when first deciding what is the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions, according to Bankrate.

7. American Family

Photo:  Chute Gerdeman
Photo: Chute Gerdeman

American Family Insurance, also abbreviated as AmFam, is an American private mutual company that focuses on property, casualty, and auto insurance, and also offers commercial insurance, life, health, and homeowners coverage as well as investment and retirement-planning products. A Fortune 500 company, its revenues were over $9.5 billion in 2017.

It should not be confused with American Family Home Insurance Company, a subsidiary of Munich Re subsidiary American Modern Insurance Group, Inc., or American Family Life Assurance Company of Columbus.

American Family Insurance's history began on October 3, 1927, when insurance salesman Herman Wittwer opened the doors of Farmers Mutual Insurance Company (not to be confused with the Farmers Insurance Group) in Madison, Wisconsin. At the time, the company's only product was auto insurance and its target market was farmers. Wittwer believed farmers presented lower risks than city drivers because they drove less often and not at all in the winter.

Over the years, Farmers Mutual expanded its market and product line to meet the changing needs of its customers. In 1963, Farmers Mutual changed its name to American Family Mutual Insurance Company to reflect its broader customer base.

American Family insurance products include term, universal, and whole life insurance; personal and business auto insurance, personal umbrella insurance, home insurance; motorcycle, boat, motor home, snowmobile, and car insurance; business liability key policy, and business policy package insurance; farm and ranch liability insurance; travel, trip cancellation, and global medical insurance.

The company also offers a reward system for their insureds titled "Dreamkeep Rewards," which provides small to large rewards for completing various online tasks.

8. Farmers

Photo:  3Q Digital
Photo: 3Q Digital

Farmers Insurance Group (informally Farmers) is an American insurer group of automobiles, homes, and small businesses and also provides other insurance and financial services products. Farmers Insurance has more than 48,000 exclusive and independent agents and approximately 21,000 employees. Farmers is the trade name for three reciprocal insurers, Farmers, Fire, and Truck owned by their policyholders. The non-claims activities of Farmers are managed by an attorney in fact, Farmers Group Inc, which is a wholly-owned subsidiary of Zurich Insurance Group.

Farmers' products and services include:

auto insurance;

home insurance, including homeowners, condominium and renters insurance, mobile and manufactured home insurance, specialty home insurance, including landlord and rental properties, seasonal homes, and vacation homes, and flood insurance through the National Flood Insurance Program;

motorcycle insurance;

life insurance, including term, whole, and universal life insurance;

recreational insurance, such as insurance for boats, ATVs, RVs, and travel trailers;

business insurance for small and medium-sized businesses, such as liability and property insurance, commercial auto and workers compensation insurance for apartment and commercial property owners, artisan contractors, condominium homeowner associations, retail stores, service providers, offices, religious organizations, educational and non-profit organizations, hotels, motels, bed & breakfasts, and other businesses in the light manufacturing, restaurant, wholesale, and auto service & repair industries; and

financial services and products, such as mutual funds and variable annuities.

9. Allstate

Photo: Allstate
Photo: Allstate

As the fourth-largest insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstate’s rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards, and other great perks.

Why Allstate is best for high-value cars: Allstate is one of the few insurers that offer coverage for custom equipment. The company’s full coverage policies are higher cost on average compared to other carriers on Bankrate’s list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstate’s classic car insurance so the vehicle’s higher intrinsic value is accounted for in case of costly damage, according to Bankrate.

Average annual full coverage car insurance rates

Clean record

One speeding ticket

One accident

Average credit

Allstate

$1,921

$2,519

$2,752

$2,312

National average

$1,674

$2,062

$2,311

$1,865

10. Erie

Erie sells insurance for cars, motorcycles, recreational vehicles, classic cars, and boats. You can also purchase insurance for snowmobiles, RVs, ATVs, and golf carts. Optional add-ons include:

  • Roadside service
  • Transportation expenses and rental car coverage
  • Lease loan protection
  • Ridesharing coverage

For drivers who recently purchased a new car, Erie sells new car protection. With this coverage, your car will be replaced with the latest model if it’s deemed a total loss due to an accident covered by your policy. Erie also offers better car protection to replace your vehicle with a car two years newer, according to Forbes.

Erie Auto Insurance Discounts

Erie offers several auto insurance discounts, especially for safe drivers. If you have a driver under 21 years old on your policy, look for Erie’s discount for young drivers. If you don’t use your car for an extended amount of time, you could benefit from the reduced usage discount. Other discounts include:

  • Safe driving discount: Safe drivers with a clean driving record may be eligible for a discount.
  • Car safety equipment discount: You can get a discount if your car has safety features like factory-installed airbags, passive restraint, or anti-theft devices.
  • Multi-car discount: Drivers who insure two or more vehicles under the same policy may be eligible for this discount.
  • Multi-policy discount: If you bundle other insurance types (like homeowners insurance) with your auto insurance, you can typically score this discount.
  • Reduced usage discount: If you don’t use your car for at least 90 consecutive days during your policy period, you could be eligible for this discount.
  • Young driver discount: Do you have a driver who is under age 21, unmarried and lives with you? If so, you could save on your auto insurance policy.
  • Annual payment plan: If you pay your annual auto premium in one lump sum, you could save money on your auto coverage.
  • College credit: If your college driver is away at school without access to your car, you may be eligible for a discount.

The Cheapest Auto Insurance in Your State

(USNews Ranking)

Alabama

USAA

Alaska

USAA

Arizona

Geico

Arkansas

USAA

California

Progressive

Colorado

Geico

Connecticut

Geico

District of Columbia

USAA

Delaware

USAA

Florida

Geico

Georgia

USAA

Hawaii

USAA

Idaho

USAA

Illinois

Geico

Indiana

USAA

Iowa

USAA

Kansas

USAA

Kentucky

Geico

Louisiana

Louisiana Farm Bureau

Maine

USAA

Maryland

USAA

Massachusetts

State Farm

Michigan

Progressive

Minnesota

USAA

Mississippi

USAA

Missouri

USAA

Montana

USAA

Nebraska

Nationwide

Nevada

State Farm

New Hampshire

USAA

New Jersey

Geico

New Mexico

USAA

New York

Progressive

North Carolina

State Farm

North Dakota

Geico

Ohio

USAA

Oklahoma

USAA

Oregon

USAA

Pennsylvania

Travelers

Rhode Island

USAA

South Carolina

USAA

South Dakota

USAA

Tennessee

USAA

Texas

State Farm

Utah

Bear River Mutual

Vermont

USAA

Virginia

USAA

Washington

USAA

Wisconsin

Geico

West Virginia

USAA

Wyoming

USAA

Car insurance rates by state, according to Bankrate

State

Minimum liability coverage requirements (in thousands)

The average annual cost of minimum coverage

The average annual cost of full coverage

Alabama

25/50/25

469

1623

Alaska

50/100/25

373

1559

Arizona

25/50/15

555

1547

Arkansas

25/50/25

470

1914

California

15/30/5

733

2065

Colorado

25/50/15

518

2016

Connecticut

25/50/25

794

1845

Delaware

25/50/10

787

1775

Florida

40471

1101

2364

Georgia

25/50/25

756

1982

Hawaii

20/40/10

354

1127

Idaho

25/50/15

307

1045

Illinois

25/50/20

442

1485

Indiana

25/50/25

367

1254

Iowa

20/40/15

252

1260

Kansas

25/50/25

410

1698

Kentucky

25/50/25

748

2128

Louisiana

15/30/25

975

2724

Maine

50/100/25

294

965

Maryland

30/60/15

767

1877

Massachusetts

20/40/5

510

1223

Michigan

50/100/10

948

2309

Minnesota

30/60/10

537

1643

Mississippi

25/50/25

492

1782

Missouri

25/50/25

468

1661

Montana

25/50/20

342

1737

Nebraska

25/50/25

335

1531

Nevada

25/50/20

860

2245

New Hampshire

25/50/25

389

1275

New Jersey

15/30/5

847

1757

New Mexico

25/50/10

385

1419

New York

25/50/10

1062

2321

North Carolina

30/60/25

413

1325

North Dakota

25/50/25

285

1264

Ohio

25/50/25

328

1034

Oklahoma

25/50/25

423

1873

Oregon

25/50/20

610

1346

Pennsylvania

15/30/5

427

1476

Rhode Island

25/50/25

749

2018

South Carolina

25/50/25

558

1512

South Dakota

25/50/25

275

1642

Tennessee

25/50/15

371

1338

Texas

30/60/25

524

1823

Utah

25/65/15

528

1306

Vermont

25/50/10

292

1207

Virginia

25/50/20

441

1304

Washington

25/50/10

463

1176

Washington, D.C.

25/50/10

704

1855

West Virginia

25/50/25

458

1499

Wisconsin

25/50/10

332

1186

Wyoming

25/50/20

271

1495

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