The Best Cheap Car Insurance Companies in 2025
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NerdWallet’s auto insurance editorial team analyzed average rates from over 130 car insurance companies provided by Quadrant Information Services. We then used our list of the best auto insurance companies to find the best cheap car insurance for 2025.
The best cheap car insurance at a glance
Mapfre offers the cheapest minimum coverage among NerdWallet’s top-rated companies, with an average rate of $35 per month.
Geico provides the cheapest minimum coverage among the nation’s largest insurers, with an average rate of $40 per month.
Smaller insurers like Shelter and Acuity also rank among the best cheap car insurance companies for 2025.
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Easily compare personalized rates to see how much switching car insurance could save you.The 7 best cheap auto insurance companies
Here are NerdWallet’s picks for the best cheap auto insurance companies, according to our 2025 analysis. We ordered companies by average car insurance rate per month for minimum coverage, from lowest to highest.
Click on the company name links in this table to read NerdWallet’s reviews, which dive into companies’ customer satisfaction, ease of use, number of discounts available and more.
Company | Average monthly rate for minimum coverage | NerdWallet rating |
|---|---|---|
$35 | ||
$37 | ||
$40 | ||
$44 | ||
$44 | ||
$45 | ||
Acuity | $48 | |
$31 | ||
*USAA auto insurance is available only to military, veterans and their families. | ||
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How we found the best cheap car insurance
NerdWallet’s editorial team analyzed minimum coverage car insurance rates from more than 130 insurers using data provided by pricing analytics company Quadrant Information Services. We narrowed our list down to the seven best cheap car insurance companies by only including insurers that have a NerdWallet star rating of 4.5 or higher, plus a minimum coverage rate below the national average of $50 a month. See our criteria for evaluating auto insurance companies or read our methodology below.
Our analysis looked at 35-year-old drivers across the 50 U.S. states and Washington, D.C. All drivers had a 2022 Toyota Camry LE. Note that not all companies offer auto insurance in every state.
The rates on this page are based on state-mandated minimum coverage limits, which tend to be very low. In most states, minimum coverage may not cover the average cost of an accident, which could leave you financially vulnerable if you’re at fault. To find cheap companies with more coverage, check out our list of cheap full coverage insurance — the extra peace of mind may be worth the price.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
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