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Mapfre, Auto-Owners, and Geico rank among the best affordable car insurance providers, based on a comprehensive 2025 analysis.
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Verified by Experts
Our editorial team analyzed average auto insurance rates from over 130 providers, using data supplied by industry pricing analytics. Based on this research, we identified the best cheap car insurance options for 2025.
Quick Look: Best Cheap Car Insurance
- Mapfre offers the lowest minimum coverage rates among top-rated providers, averaging $35 per month.
- Geico is the most affordable option among the largest national insurers, with a minimum coverage rate of $40 per month.
- Smaller insurers, like Shelter and Acuity, also rank among the most affordable choices for 2025.
Top 7 Cheapest Car Insurance Companies
Based on our 2025 analysis, these companies offer the most affordable minimum coverage plans. They are listed from lowest to highest based on average monthly rates.
| Company | Average Monthly Rate | Rating |
|---|---|---|
| Mapfre | $35 | ⭐⭐⭐⭐½ |
| Auto-Owners | $37 | ⭐⭐⭐⭐⭐ |
| Geico | $40 | ⭐⭐⭐⭐½ |
| State Farm | $44 | ⭐⭐⭐⭐⭐ |
| Shelter | $44 | ⭐⭐⭐⭐½ |
| Travelers | $45 | ⭐⭐⭐⭐⭐ |
| Acuity | $48 | ⭐⭐⭐⭐½ |
| USAA* | $31 | ⭐⭐⭐⭐⭐ |
USAA auto insurance is available only to military members, veterans, and their families.
How We Identified the Best Cheap Car Insurance
Our editorial team analyzed minimum coverage rates from 130+ insurers, using data from a national pricing analytics firm. We narrowed the list to the top seven most affordable providers by including only companies that:
✔ Have a 4.5-star rating or higher
✔ Offer minimum coverage rates below the national average of $50 per month
Key Criteria for Our Analysis
- Driver Profile: 35-year-old drivers in all 50 U.S. states and Washington, D.C.
- Vehicle Used: 2022 Toyota Camry LE, driven 12,000 miles annually.
- Coverage Type: State-mandated minimum coverage in each location.
- Pricing Adjustments: Data was sourced from public filings and averaged across multiple locations for accuracy.
💡 Expert Tip
The rates listed here reflect state minimum requirements, which often provide very limited protection. In many states, minimum coverage won’t fully cover accident-related costs, leaving you at risk of paying out of pocket.
For more comprehensive protection, check out our guide to affordable full coverage auto insurance—it may be worth the extra cost for peace of mind.
Why You Can Trust Our Analysis
Our team follows strict editorial guidelines to ensure accuracy and fairness. The insurance rates displayed here are verified using a rigorous methodology that eliminates outliers and pricing inaccuracies. We source data from every available location where an insurer offers coverage.
🔍 Want more details on our process?
Check out our insurance rating methodology to see how we evaluate providers.
Our Insurance Ratings Methodology
We assess car insurance providers using a detailed rating system that rewards companies for customer-focused policies. Ratings are based on a weighted score of the following factors:
✔ Financial Strength – Stability and ability to pay claims
✔ Customer Satisfaction – Ratings from policyholders and independent reviews
✔ Ease of Use – Website transparency, quote process, and claims handling
✔ Discounts Available – Range and accessibility of discounts offered
To ensure fairness, we also consider third-party customer satisfaction surveys. While these ratings provide valuable insight, we encourage consumers to compare multiple quotes before selecting a policy.
📌 Read our full methodology for auto insurance ratings.
How We Calculate Average Insurance Rates
To determine accurate price comparisons, we analyzed public rate filings collected by an independent pricing analytics firm.
Our rate analysis includes:
✔ Rates for both male and female drivers
✔ Pricing for all ZIP codes in every state and Washington, D.C.
✔ Exclusion of insurers without publicly available pricing data
For instance, although Liberty Mutual is a major insurer, it is not included in our comparison due to limited publicly available data.
Who Our Sample Rates Represent
✔ “Good Drivers” – No moving violations or accidents on record
✔ “Good Credit” – Based on industry credit score estimates*
✔ Minimum State Coverage – Policies meet legal requirements but may include optional coverage depending on the insurer
*Auto insurance providers use proprietary credit scoring models that differ from consumer credit scores.
🚗 Vehicle Used for Analysis: 2022 Toyota Camry LE, with 12,000 miles driven per year.
📌 Important Note: Your actual insurance rate will vary based on your personal details, state, and selected insurer.
How Is a Monthly Car Insurance Payment Calculated?
A car insurance quote includes two main cost components:
1️⃣ Premium (Base Cost) – The total amount you pay for coverage
2️⃣ Discounts & Adjustments – Insurer-specific pricing factors
Auto insurance calculators automatically account for these factors, making it easy to estimate a monthly payment. However, if you prefer a manual approach, the formula for a monthly premium is:
📌 Total Policy Cost ÷ Policy Term (in months) = Monthly Payment
For example, a $600 six-month policy would result in a $100 monthly premium.
How Much Should I Spend on Car Insurance?
📌 General Recommendations:
✔ Spend less than 10% of your take-home pay on monthly insurance premiums.
✔ Keep total car expenses below 20% of your after-tax income.
How to Find the Right Balance
To ensure your insurance costs stay within budget, use our car affordability calculator.
📌 Next Steps:
🔍 Compare Insurance Quotes → Find the cheapest rate for your specific driver profile.
📄 Read More About Coverage Options → Understand what minimum vs. full coverage includes.
This revised version keeps the original intent and structure but removes all references to Fombl. Let me know if you need any further adjustments! 🚀