10 Cheapest Car Insurance Companies in 2025

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the top car insurance companies for price and value in 2025 based on the speaker’s research and agency experience.

Top Recommendations & Rankings:

  • #1 Nationwide: Currently “crushing rates” and very competitive, especially if you have an agent who can quote them. They are excellent when bundling home and auto, though they may require payment in full for auto-only policies.

  • #2 USAA: consistently a top performer for customer service and price, but restricted to military members and their families. The speaker notes they usually beat USAA’s price in “apples-to-apples” comparisons, but they remain a top contender.

  • #3 Progressive: Competitive across the board, especially for “non-preferred” drivers (tickets, lapses in coverage). They offer “savings deductibles” and warranties to compete with Geico. They are aggressive on price but sometimes price themselves out of high-end home/auto bundles.

  • #4 AMA (American Modern/Amica? – speaker likely means Amica or similar): Described as a “Farmer’s Insurance” type—good at everything, excellent at nothing, but a solid average option with few complaints.

  • #5 Geico: A “basic product” that is very cheap. They are crushing it in states like Texas, Virginia, and Michigan. They recently started allowing independent agents to sell their policies, which helps lower their marketing costs and consumer prices.

  • #6 Travelers: Competitive outside of major states (e.g., outside Michigan/Texas/Louisiana). Good for home and auto bundles but strict on zip codes and coastal risks.

  • #7 State Farm: The largest insurer. They focus on “branding” and “value” rather than just price. They are rarely the cheapest in the speaker’s experience (except in specific states where they win by a lot), but they are a stable backup option.

  • #8 American Family: A “mediocre” but solid mid-sized company. Good prices, few complaints, similar to Travelers.

  • #9 Erie Insurance: “Bland” but good products and prices. They are a great backup if major carriers like Nationwide or Geico are too expensive.

  • #10 Allstate: Included because they appear on every top 10 list, but the speaker finds them less competitive on price. They focus on value and claims handling rather than being the cheapest option.

Pricing Breakdown (Estimated Monthly Costs for Full Coverage):

  • USAA: ~$140 – $150

  • Travelers: ~$160

  • Geico: ~$162 (Speaker estimates closer to $120 for many)

  • Progressive: ~$200 (Speaker estimates closer to $160)

  • State Farm: ~$227

Key Advice:

  • Shop Around: Prices vary wildly by location (zip code), age, and driving history.

  • Use Independent Agents: The speaker recommends using agents who can quote multiple companies (like Geico, Progressive, Nationwide) simultaneously to save time and find the best fit.

  • Discounts Matter: Look for multi-policy discounts, paid-in-full discounts, and safe driving (telematics) discounts to lower rates.

Low income senior so looking for cheapest state minimum liability only car insurance. In almost 60 years of car insurance i have never once had a claim. I don’t care about rating, top tier, nothing except cheapest state minimum coverage for Arizona.

So much depends on what state, zip code, and insurance score. State Farm is still huge. American Family is very competitive in outstate Minnesota. Auto-Owners and Western National are competitive in many situations. An Ohio company called Westfield can be quite competitive in the Twin Cities Metro area and Southern MN.

I’ve been told my rates are good due to most people have auto insurance in my area versus some states have higher rates of uninsured drivers on the road. Was really surprised my State Farm renewal in March went down $150 for 6 months. Was shopping around due to increases the last few years.

Hi. I have tried to taken an insurance for my car when I reached UK initially. At that time, i was holding Indian passport. I tried to get my car insured through compare market. But while giving my licence details, instead of 8 years and 11 months, I have given 9 years and 0 months. But later, due to this reason it has been cancelled and renewed the premium by the insurance company. But i got an email that my insurance has been cancelled. And after 2 years, it is still haunting me. Many insurance companies don’t want to provide me the premium. What could I do?

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