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Cheapest Car Insurance by State (November 2026): The Company That Wins Yours

By Santosh Singh · Published · Last updated

Thumbnail for the video on the cheapest car insurance company in every state, headline about saving $178 a month

Car insurance prices vary so much by state that the cheapest company in the country might not be the cheapest company where you live. Below is the winner in every state from ValuePenguin's latest study, what switching is worth in dollars, and a simple three-quote method for getting a comparable price.

All prices are averages for ValuePenguin's sample driver: a 30-year-old man with good credit and a clean record driving a 2018 Honda Civic EX, with 50/100/50 liability, matching uninsured-motorist limits, minimum PIP where required, and $500 comprehensive and collision deductibles. Your own quote will be different.

The scoreboard

Nationally, American Family is the cheapest major company for this driver at $159 a month for full coverage, followed by Auto-Owners ($171), Travelers ($173), Geico ($187), State Farm ($192) and Progressive ($207). Nationwide ($265), Allstate ($282) and Farmers ($293) are the most expensive large companies in the study. USAA, available only to military members, veterans and some family members, averages $125.

States won: Travelers 12, Geico 12, Progressive 6, State Farm 6, Erie 2, Farm Bureau 2, Farmers Mutual of Nebraska 2, and one each for Shelter, Farmers, Allstate, Safety, Auto-Owners, Co-Op, Mutual of Enumclaw, American Family and American National.

Cheapest full-coverage insurer by region

  • Northeast: Connecticut Travelers $127 ($178 below the state average); New Jersey Geico $141 ($108 off); New York Progressive $127 ($99 off); Massachusetts Geico $123; Pennsylvania Erie $134; Rhode Island Travelers $196; New Hampshire Safety $104; Maine Travelers $87; Vermont Co-Op $83.
  • Mid-Atlantic and Southeast: Delaware Farmers $191 ($111 off); Maryland Geico $158; Washington, D.C. Geico $194; Virginia Farm Bureau $111; West Virginia Erie $135; North Carolina Progressive $79; South Carolina Geico $139; Georgia Farm Bureau $134; Florida Geico $213 ($98 off).
  • South Central: Alabama Travelers $134; Tennessee Travelers $140; Kentucky Travelers $168; Mississippi State Farm $142; Arkansas Shelter $165; Louisiana Allstate $298 ($29 off); Texas State Farm $140 ($107 off); Oklahoma Progressive $127 ($87 off).
  • Midwest: Ohio Geico $104; Illinois Travelers $120; Wisconsin American Family $119; Indiana Travelers $129; Michigan Progressive $173 ($87 off); Minnesota Travelers $136 ($86 off); Iowa Progressive $122; Missouri Travelers $145; Kansas Travelers $154; North Dakota State Farm $124; Nebraska Farmers Mutual of Nebraska $109 ($84 off); South Dakota Farmers Mutual of Nebraska $95 ($101 off).
  • West: Idaho State Farm $85; Montana State Farm $120 ($91 off); Wyoming American National $98; Utah Auto-Owners $160; Colorado Geico $196; New Mexico Geico $167; Arizona Progressive $176; Nevada Travelers $206 ($129 off); California Geico $143; Oregon State Farm $123; Washington Mutual of Enumclaw $137 ($82 off); Alaska Geico $129; Hawaii Geico $77.

What switching is worth

ValuePenguin publishes the cheapest rate and the saving against the state average, so the state average is the two added together. In Texas, the average is about $247 a month and State Farm averages $140, a saving of $107 a month or $1,284 a year. In Connecticut, the average is about $305 and Travelers averages $127, a saving of $178 a month or $2,136 a year. In 35 states plus D.C., the cheapest company saves this sample driver at least $50 a month.

The credit-score shock

For a sample driver with poor credit, ValuePenguin found American Family at $263 a month and State Farm at $801, a gap of $538 a month for the same driver and car. A few states, including California, Hawaii and Massachusetts, do not allow insurers to price on credit. Elsewhere, if your credit has changed, the company that was cheapest for you a few years ago may no longer be.

The three-quote method

  • Put identical coverage on every quote: the same liability limits and the same deductibles.
  • Get three quotes: your state's winner above, one national low-cost company such as Travelers or Geico, and one regional or mutual insurer.
  • Start at least seven days before renewal; some insurers, such as American Family, offer a discount for quoting early.
  • Price your policies bundled and separately; bundling is not always cheaper.
  • Check the company's J.D. Power claims satisfaction score and its NAIC complaint index before switching, and do not cancel your old policy until the new one is in force.
  • Telematics programs can cut premiums by up to 40 percent for safe drivers, according to ValuePenguin, but read what driving data they collect and share.

Watch the video

Cheapest Car Insurance by State: Save Up to $178 a Month · Watch on YouTube

Sources

  1. ValuePenguin, The Cheapest Car Insurance Companies (November 2026), updated November 2, 2026 (Quadrant Information Services rate data): valuepenguin.com

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