We’ve looked at the average car insurance by state, but what about the cheapest car insurance? While it’s hard to narrow down the absolute cheapest quote in each state, given that there are so many factors that go into pricing, it is possible to find the cheapest companies in each state. We took a look at what goes into a quote and which companies offer the lowest rates across the country.
What Factors Go Into Pricing?
Bankrate recently ran an article looking at the cheapest car insurance companies across the country. As part of the piece, they also broke down some of the factors insurance companies use when calculating the cost of your policy. According to them, the price of you coverage depends, in part, on “your driving record, the car you drive and the level of protection you choose.”
There are also some factors that you don’t have as much control over, but that go into this calculation as well. In a second article by Bankrate, this one looking at the average cost of insurance state by state, the company cited other factors including “road conditions, the number of licensed drivers, uninsured driver statistics, traffic density and the cost of living as it relates to repair and labor costs when calculating your rate.” Laws and climate are also factors; things like “weather conditions, local claims history and state laws that specify the minimum insurance drivers are required to carry,” round out some of these calculations.
Cheap Car Insurance for Special Cases
ValuePenguin looked into automotive insurers who offer good rates for special cases. While not every insurer covers every state, their article notes that “ValuePenguin’s cheapest picks each offer insurance in at least 25 states.” According to them, these are the insurers offering the best rates for different special cases:
- American Family: full coverage or poor credit
- Auto-Owners: liability-only, teen drivers, record of speeding tickets, teen drivers with a record of speeding tickets, and teen drivers with an accident
- State Farm: accidents
- Progressive: DUIs
- USAA: military families
Cheapest Car Insurance by State
Nerdwallet ranks out the cheapest insurer in each state, along with their median rate. While your exact quote will vary based on the factors listed above, this will still give you a good idea of what to expect.
| State | Insurance Company | Annual Cost |
| Vermont | Union Mutual | $779 |
| Idaho | Travelers | $808 |
| Nebraska | American National | $900 |
| South Carolina | American National | $904 |
| Virginia | Virginia Farm Bureau | $940 |
| South Dakota | Kemper | $950 |
| Wyoming | American National | $956 |
| Wisconsin | Travelers | $991 |
| Ohio | Central Insurance | $1,068 |
| Maine | Progressive | $1,081 |
| Washington | Kemper | $1,097 |
| Alabama | Travelers | $1,199 |
| North Carolina | Progressive | $1,174 |
| Massachusetts | GEICO | $1,209 |
| Tennessee | Travelers | $1,209 |
| Minnesota | Travelers | $1,277 |
| Oregon | State Farm | $1,287 |
| Iowa | Progressive | $1,297 |
| Hawaii | GEICO | $1,317 |
| Indiana | American Family | $1,321 |
| Michigan | GEICO | $1,321 |
| Texas | Texas Farm Bureau | $1,321 |
| Colorado | American National | $1,327 |
| Connecticut | Travelers | $1,349 |
| California | GEICO | $1,358 |
| New Hampshire | GEICO | $1,389 |
| New York | Progressive | $1,391 |
| Nevada | Progressive | $1,414 |
| Arizona | American Family | $1,419 |
| Alaska | GEICO | $1,455 |
| Maryland | GEICO | $1,457 |
| New Mexico | Central Insurance | $1,464 |
| Illinois | Travelers | $1,490 |
| Pennsylvania | Encova | $1,506 |
| Arkansas | Travelers | $1,535 |
| Utah | Nationwide | $1,550 |
| North Dakota | Nationwide | $1,576 |
| Montana | State Farm | $1,603 |
| Georgia | Georgia Farm Bureau | $1,605 |
| New Jersey | GEICO | $1,648 |
| Kansas | Travelers | $1,691 |
| Missouri | Shelter | $1,700 |
| Rhode Island | Travelers | $1,770 |
| West Virginia | Encova | $1,772 |
| Washington D.C. | Erie | $1,870 |
| Delaware | Travelers | $1,950 |
| Mississippi | Travelers | $1,961 |
| Oklahoma | American Farmers and Ranchers | $1,996 |
| Kentucky | Shelter | $2,096 |
| Florida | State Farm | $2,101 |
| Louisiana | Louisiana Farm Bureau | $3,059 |
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Sources
Cheapest Car Insurance in February 2026, Bankrate, January 2026.
Car Insurance Rates by State for February 2026, Bankrate, 2026.
Top 10 cheapest car insurance companies, ValuePenguin.
Cheap Full Coverage Car Insurance for 2026, Nerdwallet, 2026.
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