The price of car insurance can vary greatly between states. One company may be expensive in Utah, but inexpensive in New York. In some states, a small, local company could even offer the best price. Below, click through to your state to see which company and cities have the least expensive car insurance based on the numerous studies we've conducted.

Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won't see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.
We wrote the book on low price car insurance, but the story isn’t just about discounts. We’ll go a step further by giving you the power to tailor the quote to your budget and protection needs. We’ll also make sure you’ve maximized your savings opportunities with helpful hints below. That’s why you’re at the best place to buy cheap auto insurance online.
Every auto insurance company advertises its low rates. But as with any product, the cheapest car insurance policy isn't always the best option. Considering the financial stakes, it's worth doing the due diligence to find a policy that protects your car completely in the event of a collision. Hunt for a great value, instead of settling for the cheapest car insurance in your state.
One of the biggest differences between carrier’s rates can be attributed to the avaialable discounts. Most insurers reward safe drivers and bundlers. In additon, savings can be found for vehicles that have the most safety features. The most variable discounts can be found when a company is trying to reach a certain group of insurance consumers. For instance, some companies may offer discounts for switching before the expiration of a policy or from a certain competitor, while other may decide retirees shoulde get a discount.
If the insurance company is willing to renew your policy, in most cases you’ll receive notice a minimum of 14 days before the expiration date of your policy. The notice generally includes how much you have to pay as well as when you have to pay by. If you pay your premiums every month, you won’t have to do anything as the company will simply continue to draw payment for your account on the same date every month. However, if you pay your premium as an annual lump sum, you should talk to your insurance company to see how you can make the payment.
Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, TX; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.
Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, TX; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

At First Security Insurance, we have been helping our customers achieve optimal insurance coverage and the rates they can afford for nearly 100 years. That means when you come to us for car insurance quotes, we’ll take the time to get to know your needs, make sure the quotes we give are accurate and reliable, and ultimately set you up with a policy that provides the security you need.


Your auto insurance rate depends on who you are as a driver, as well as your age, your credit, your vehicle, and your location. How insurance companies weigh these attributes is reflected in your premium. For example, having a limited driving history or a poor credit score can raise your rates dramatically. Our analysis of major rating factors shows how premiums shift from company to company.
We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the average shopping experience, customer service, ability to resolve complaints, and quote filing process.
Asheville takes the top spot on our list of the cheapest auto insurance rates in North Carolina with an average annual rate of $725, which make it 10% more affordable than the rest of the state. We suggest drivers in Asheville consider obtaining quotes from Auto Owners, North Carolina Farm Bureau, Penn National, Titan, and Erie. As our top five most affordable companies near you, we found their average annual rate to be $622, a 14% reduction from the city wide average. Keep in mind North Carolina Farm Bureau requires a $25 membership fee and is open to people of non-farming professions as well. Numbering over 83,000 in residents, Asheville is home to the largest private residence in America, the Biltmore Estate, as well as the United States National Climatic Data Center, the world’s largest active archive of weather data. It has garnered recognition for an assortment of titles from “Beer City USA” to “Happiest City for Women”, to which we add the "Best City in North Carolina for Auto Insurance"!
Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie had the best rate when it came to insuring our driver's Toyota. These five companies average a premium of $680 for our sample drivers - that's a a 16% difference from the state mean. All these companies are national insurers, with the exception of North Carolina Farm Bureau. The Farm Bureau is an organization that requires membership and annual dues in order to be eligible for their auto insurance products. You don't have to be involved in the farming community to sign up, and member dues are $25 statewide in North Carolina.
Naturally, insurance companies use your driving past as an indicator of how you will drive in the future. It can be difficult to find affordable car insurance if you have a checkered driving history. While it’s very unlikely you will find an insurance company that won’t increase your premium after an at-fault accident or other violation, the degree of the rate increase will vary by company. Let’s compare rate increases for some common violations across major insurance companies.
Some people are hesitant to file a car insurance claim, fearing that their premiums will increase even if they aren’t at fault. However, this isn’t necessarily true, and an insurance company will look at the damage involved and who is responsible for the accident before deciding whether or not a claim results in a rate increase. If you find yourself in an auto accident, whether it’s a fender bender or your car is totalled, exchange insurance information with any involved parties. Even damage that looks cosmetic may have comprehensive damage that you can’t see, so you should file a claim.

Our writers and editors thoroughly research the car insurance options we compare on this site. You’re guaranteed to only read unbiased, third party opinions. While we make money from our partner insurance providers to expand our content and our company, we maintain high editorial standards to ensure any information you see on finder.com is accurate and objective.

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

The three most expensive local insurers were Allstate, Nationwide, and MetLife, based on our analysis. With an average annual rate of $989, the three national insurance companies cost about 23% more than the 11-company composite average from the study. Compared to the cheapest three, Allstate, Nationwide, and MetLife were roughly $346 more expensive each year for our two drivers' basic liability insurance policies.


Besides being legally required in almost every state, auto insurance is an incredibly important part of your financial safety net. The average car insurance claim in 2013 was over $15,000 for bodily injury and over $3,200 for property damage. Car insurance is there to cover medical bills, vehicle repair or replacement, and keeps you off the hook for injury and damage liability for others. Your premiums will go up if you cause an accident, but that’s better than the alternative.
Many companies advertise free auto insurance quotes. Any car insurance quote you receive is and should be completely free. Insurance companies want to incentivize you to purchase a car insurance policy from them, so they’re not going to charge you for an upfront assessment (the quote). When shopping around for insurance, remember you can find free car insurance quotes from a variety of sources.
Asheville takes the top spot on our list of the cheapest auto insurance rates in North Carolina with an average annual rate of $725, which make it 10% more affordable than the rest of the state. We suggest drivers in Asheville consider obtaining quotes from Auto Owners, North Carolina Farm Bureau, Penn National, Titan, and Erie. As our top five most affordable companies near you, we found their average annual rate to be $622, a 14% reduction from the city wide average. Keep in mind North Carolina Farm Bureau requires a $25 membership fee and is open to people of non-farming professions as well. Numbering over 83,000 in residents, Asheville is home to the largest private residence in America, the Biltmore Estate, as well as the United States National Climatic Data Center, the world’s largest active archive of weather data. It has garnered recognition for an assortment of titles from “Beer City USA” to “Happiest City for Women”, to which we add the "Best City in North Carolina for Auto Insurance"!
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