Cheapest auto insurance companies by state

If you’re comparing car insurance companies to find the cheapest auto insurance, here you’ll find out the average car insurance rate for major carriers in your state. Insurance.com’s rate analysis ranks the car insurance companies by price for you so you can quickly find the best deals.

In the chart below, you’ll see the average rate for the following liability limits, which pay for injuries/damage you cause others, and comprehensive and collision, which pay for damage to your car:

Full Coverage 100/300/100

  • Bodily injury liability — $100,000 per person/$300,000 maximum per accident for bodily injury
  • Property damage liability — $100,000 for property damage
  • Comprehensive and collision coverage with $500 deductible

Enter your state in the search field to see average rates by company, based on an Insurance.com rate analysis of up to six major insurers in nearly every ZIP code of the state.

As you can see, among top insurers from whom rates were commissioned, Geico is the cheapest car insurance company in the nation’s capital and every state, except the following:

  • Alaska
  • Iowa
  • Kansas
  • Maryland
  • Missouri
  • North Carolina
  • North Dakota
  • Nebraska
  • New Jersey
  • Rhode Island
  • Texas
  • Virginia
  • Washington
  • Wyoming

Here are nationwide average car insurance rates by company:

  • Geico: $901
  • Nationwide/Allied; $1,227
  • State Farm: $1,313
  • Farmers: $1, 351
  • Progressive: $1,415
  • Allstate: $1,758

How to save on car insurance

There are some standard guidelines for buying car insurance that will keep costs down. They include the following:

  • Compare car insurance quotes at least once a year, and also if you move, buy a car, add or drop a driver, get married
  • Maintain good credit
  • Ask for discounts
  • Choose a high deductible if you can afford to pay toward the repair of your car
  • Don’t buy comprehensive and collision if your car is more than 10 years old or worth less than $3,000

How to compare car insurance companies

While everyone loves to save money, when shopping for car insurance, price shouldn’t be the only factor you consider. An Insure.com survey of 3,700 customers yielded the following results, with all scores out of 100.You’ll see that though Geico is the cheapest car insurance company among those surveyed in Insurance.com’s rate analysis, Allstate scored No. 1 in value for the price, customer service and claims handling. Allstate and Progressive have higher overall scores than Geico. Although by a narrow margin, Geico placed last on customer service, and was beat by Allstate, Nationwide and Farmers on claims handling.

Auto insurance companies ranked on value, customer service and claims handling