đźš— 1. USAA
Why It’s Cheap: USAA consistently offers the lowest premiums for both full and liability coverage—$110/month for full coverage and about $31/month for liability (walletinvestor.com).
Limitations: Membership restricted to military, veterans, and their families.
Worth It If You Qualify: Absolutely—best-in-class rates and customer satisfaction.
2. GEICO
Typical Rates: Around $40/month for minimum liability, and about $167/month for full coverage .
Why It’s Cheap: Strong discounts (good driver, student, multi-policy), easy online quotes, and competitive pricing .
Best For: Straightforward drivers with clean records seeking value.
3. State Farm
Typical Rates: Around $44/month for minimum coverage and $134/month for full coverage .
Why It’s Good: Local agent availability, Drive Safe & Save telematics, and good-student or defensive driving discounts, sometimes up to 25% .
Who Should Consider: Those who value in-person service and existing loyalty programs.
4. Travelers
Rates: Cheapest major insurer for full coverage—about $142/month ($1,709/year) .
Strengths: Solid full coverage option, wide discount availability, and competitive for state-mandated policies .
Use Case: Good fit for drivers who need full coverage but want rates under State Farm/GEICO.
5. Auto‑Owners
Rates: About $37/month for minimum liability and $145/month for full coverage .
Key Benefits: Strong claims satisfaction, accident forgiveness, personalized agent service.
Best For: Regional loyalty and personalized insurance services.
6. American Family
Rates: Around $72/month for liability and $178/month for full coverage .
Perks: Extensive discounts (volunteer work, multi-policy), multiple usage-based options like MilesMyWay and KnowYourDrive .
Ideal For: Families, bundlers, and safety-conscious drivers.
7. Progressive
Rates: Roughly $180/month for full coverage; $46/month for liability-only; higher for top-tier policies .
Strengths: Best for high-risk drivers (DUI, tickets), Snapshot telematics, Name Your Price tool .
Good For: Those with less-than-perfect records looking for competitive options.
8. Nationwide
Rates: Liability at $44/month; full coverage at about $129/month—among the most affordable full-coverage options .
Advantages: Vanishing deductible features, good for bundling.
Suitable For: Drivers wanting perks like reward programs with solid pricing.
9. Erie Insurance
Rates: Average annual rate around $1,532—below national average .
Strengths: Holds cheapest plans for teen drivers, seniors, and post-ticket accidents.
Limitation: Available only in about a dozen states.
Ideal Candidates: Drivers in covered regions seeking optimal pricing.
10. Country Financial
Rates: Just $18/month average for auto liability coverage via Compare.com .
Pros: Among the cheapest for minimal coverage; solid ratings.
Cons: Best for bare-minimum plans; full coverage likely much higher.
Consider If: You want legally-required liability coverage at the bare minimum.
đź’ˇ Expert Tips for Getting the Best Rate in 2025
- Shop During a Buyers’ Market: Premium increases have slowed recently, giving you leverage—4% of drivers switched in May 2025 (marketwatch.com).
- Telematics Can Save: Usage-based programs like GEICO’s DriveEasy, Progressive’s Snapshot, or State Farm’s Drive Safe & Save reward safe habits (marketwatch.com).
- Hunt Discounts: Consider good-student, defensive driver courses, bundling, low-mileage, multi-car, safety-gear, military—and State Farm even has a “good student” discount up to 25% .
- Raise Deductibles: Opting for higher deductibles and dropping comp/collision on older vehicles can significantly reduce premiums (marketwatch.com).
- Review Annually: It’s smart to shop every year or after big life changes—many save $461 annually by switching each year (investopedia.com).
Summary Table
| Rank | Company | Liability ($/mo) | Full Coverage ($/mo) | Best For |
|---|---|---|---|---|
| 1 | USAA | ~31 | ~110 | Military families (restricted) |
| 2 | GEICO | ~40 | ~167 | Clean drivers, value seekers |
| 3 | State Farm | ~44 | ~134 | Local support, telematics, students |
| 4 | Travelers | ~45 | ~142 | Affordable full coverage |
| 5 | Auto‑Owners | ~37 | ~145 | Personalized regional service |
| 6 | American Family | ~72 | ~178 | Bundlers, usage-based discounts |
| 7 | Progressive | ~46 | ~180 | High-risk drivers, UBI programs |
| 8 | Nationwide | ~44 | ~129 | Vanishing deductibles, bundling |
| 9 | Erie | N/A | ~128 | Best pricing in specific states |
| 10 | Country Financial | ~18 | Varies | Minimum-liability coverage only |
Final Take
For most U.S. drivers, USAA (if eligible), GEICO, and State Farm offer the lowest premiums and best mix of discounts. Travelers, Auto‑Owners, and Nationwide follow closely behind. Progressive is ideal for those with riskier profiles, and American Family, Erie, and Country Financial shine in niche scenarios—like regional coverage, bundles, or minimal plans.
Regardless of provider, applying smart strategies—like annual policy reviews, taking telematics, raising deductibles, or bundling—can unlock additional savings in 2025’s increasingly buyer-friendly market.