The cheapest car insurance companies in the U.S. for 2025 generally include GEICO, USAA, State Farm, Progressive, Travelers, Erie, and Auto-Owners, with some variation depending on coverage type, driver age, and other factors.
- GEICO is often cited as the cheapest large auto insurer for minimum liability coverage, with an average rate around $41 per month ($492 per year). It also offers the cheapest rates for young drivers ($81/month) and millennial drivers ($41/month)
- USAA offers the lowest average rates overall, especially for military members, veterans, and their families, with minimum coverage rates as low as $38 per month and full coverage around $135 per month. However, USAA eligibility is limited to the military community
- State Farm tends to offer the cheapest rates for senior drivers (around $45 per month) and drivers with recent tickets or accidents
- Travelers and Progressive are also among the cheaper options for full coverage and certain risk profiles, like after a DUI (Progressive at $64/month) or full coverage (Travelers at $146/month)
- Regional insurers like Erie and Auto-Owners are noted for affordable rates, especially for specific demographics or coverage types
Overall, the cheapest insurer depends on your age, driving history, coverage needs, and eligibility (e.g., USAA for military families). For minimum coverage, GEICO and USAA are top contenders, while Travelers and State Farm are competitive for full coverage or specific driver profiles
. Comparing personalized quotes is recommended to find the best rate for your situation.
