The cheapest car insurance rates start at $38 per month from USAA according to our research team’s cost analysis of 97 companies nationwide.
Geico offers the cheapest car insurance in California, with average estimated rates of $484 per year or $40 per month for minimum liability coverage
Add multiple cars to your policy: Adding multiple cars to your insurance policy can often lead to lower rates through multi-vehicle discounts. ; Bundling auto and home policies: We offer bundling discounts for loyal customers who purchase multiple policies through GEICO. ; Pay for your policy in full: GEICO may offer discounts to customers who pay their policies in full rather than in installments because it minimizes the risk of late and missed payments. ; Complete a defensive driving course: Insurers may offer discounts to policyholders who have successfully completed defensive driving courses because they demonstrate a commitment to safe driving practices and lead to a reduced risk of accidents.
Key Takeaways ; The average annual cost of a car insurance policy among insurers we analyzed is $2,068, compared to $1,459 a year ago. ; USAA has the lowest sample premiums in our study, but its policies are only available to current and former members of the military and their families. ; Erie, which is available in 12 states and Washington, D.C., has the lowest rates we found for teen drivers.
Best cheap car insurance for most drivers · Geico ; Best for drivers with spotty records ; Best for variety of discounts ; Best for military perks ; Best for low complaints
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The cheapest car insurance rates for new drivers start at $92 a month and the most affordable providers are USAA, Travelers and Geico. ; Car insurance for new drivers is around $2,706 per year for minimum coverage and $5,192 per year for full coverage. ; Regardless of the age you start driving, insurers will consider you in the highest risk category typically until you have three years behind the wheel.
Cheapest Car Insurance in Illinois (by category), Company, Average Monthly Premium ; Minimum Liability Coverage, Travelers, $43 ; Full Coverage, Travelers, $130 ; Young Drivers (16 years old), Country Financial, $378*
Key Takeaways ; For most teen drivers, Erie and Auto-Owners may have the cheapest annual rates, according to our study. ; Farmers has the highest sample annual rates for teen drivers in our analysis. ; In general, it’s cheaper to add a teen to an existing family policy than it is for them to buy coverage independently.