American National, USAA, and Root have the cheapest average car insurance costs among the companies in our analysis. To determine the cheapest companies, we analyzed rates from most, State Farm has the best cheap full coverage auto insurance, at $134 per month. That's $41 per month cheaper than the national average. It's also $17 per month less than the second-cheapest major company, Travelers. Currently insured? It's free, simple and secure. Why trust our cheap picks?, USAA has the cheapest car insurance rates but only offers auto insurance policies to military members, veterans and their immediate families. If you’re not eligible to buy from USAA, the cheapest, Discover the top three picks from the 10 cheapest car insurance companies, with Auto-Owners, USAA, and AAA leading due to their exceptional rates and coverage options. Starting as low as $32 per month, these providers offer the best value and reliable service in car insurance., Root, GEICO, USAA, State Farm, and Progressive offer cheap rates for a variety of driver profiles. Car insurance prices increased over 22 percent from 2023 to 2024, outpacing the rate of inflation. 1 That’s why we researched hundreds of providers to find auto insurance companies that offer affordable rates without skimping on coverage., GEICO is the cheapest large car insurance company, with average rates of $34 a month for minimum coverage. State Farm has the cheapest full-coverage car insurance at $95 a month. State Farm also has the best car insurance rates if you have an accident, speeding ticket, or DUI on your record..