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You don’t need to sacrifice quality while trying to save money on car insurance. Some of the best auto insurers also offer cheap rates.

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Read on to see how we determined our picks for the best cheap car insurance companies. If you’re looking for other quality car insurance options (that aren’t necessarily the cheapest), check out our roundup of the best car insurance companies.

How we found the best cheap auto insurance

To find the cheapest insurers, NerdWallet’s editorial team analyzed minimum coverage car insurance rates from pricing analytics company Quadrant Information Services. We then determined which of the insurers were best by eliminating any that did not have a NerdWallet star rating of 4.5 or higher. See our criteria for evaluating auto insurance companies.

Our analysis looked at 40-year-old drivers in all ZIP codes across the 50 U.S. states and Washington, D.C. All drivers had a 2019 Toyota Camry L. Note that not all companies offer auto insurance in every state.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing, data analyses and company ratings. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which are sampled from every locale in the country where coverage is offered and rates are available.

The best cheap car insurance

Here are NerdWallet’s picks for the best and cheapest car insurance companies, according to our 2022 reviews, ranked by average car insurance rate per year, from lowest to highest.

Out of our highest-rated companies, Auto-Owners has the lowest car insurance rates on average, while Geico has the lowest average rates among the nation’s largest insurers.

Click on company names linked in the table below to read NerdWallet’s reviews, which dive into companies’ customer satisfaction, ease of use and number of discounts available.

5.0

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4.5

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4.5

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5.0

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5.0

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5.0

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4.5

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5.0

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4.5

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4.5

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