Best Affordable Car Insurance of 2025 : Car insurance isn’t cheap — especially if you have tickets, accidents, a teenager or other risk factors driving your rates up. But you can comply with state requirements, protect yourself and your property, and avoid paying more than you have to with affordable policies.And states have varying rules on what level of auto insurance you must carry. New Hampshire, technically, doesn’t
require auto insurance. The specifics of the financial responsibility part vary by state, but the basic premise is the same across all 50 states: All require drivers to demonstrate they are able to pay a certain amount in damages if they injure someone or damage someone else’s property. Compare policy types from top car insurance companies
These are Business Insider’s top picks for the cheapest auto insurance providers in 2025. Best Cheap Car InsuranceBest Overall: State Farm Auto InsuranceUSAA Auto Insurance: Best for Those in the Military See ReviewsGEICO Auto Insurance: How It Works Best for Discounts The Hartford Auto Insurance: The Best for SeniorsProgressive Auto Insurance: Most Ideal for High-Risk Drivers
Best Cheap Car Insurance Overall: State Farm Auto Insurance
According to JD Power’s 2024 auto insurance customer satisfaction survey, the most consistent contender, across all types of coverage and regions of the country, is State Farm Auto Insurance. This isn’t a huge surprise. Also, State Farm is a trustworthy and recognizable name to do business with. It has agents in the field that quote and bind policies with customer-level bespoke discounts.
You will receive the most competitive quote on company-specific products when you go with State Farm agents, though agents can only give you quotes on State Farm insurance policies. These are known as “captive agents” and they cant help you compare rates-and certainly wont help you compare other coverage options if you’re not eligible with State Farm. The good news is that most drivers and families qualify for State Farm coverage. This insurer also has competitive rates for young drivers.
Read our review of State Farm auto insurance.
USAA Auto Insurance: Best Affordable Car Insurance for Military Members
USAA Auto Insurance has one stated mission statement, according to its website: “to facilitate the financial security of its members, associates and their families,” targeting military families in particular. Military members can purchase all types of financial products from USAA at more competitive rates.
If you are a military spouse or other dependent, your military member must first have a USAA account. Children can become USAA-eligible upon reaching adulthood if the military member passed away and had signed up while still living. Note, not every USAA product is available solely to military families. You can visit its website to see which ones.
Read our review of USAA car insurance.
GEICO Auto Insurance: Best Cheap Car Insurance for Discounts.
With its infamous GEICO Auto Insurance lizard, most Americans have at least heard of the name GEICO. GEICO includes insurance agents, but they are not actively seeking customers. Instead, would-be customers run quotes through its online system and sign up, manage plans, and so on, with help as needed from customer service agents