Cheapest Auto insurance Comparison

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The average for good drivers among the three cheapest quotes was $1, 248 a year. Geico and State Farm are giants in the industry that offer wide-ranging service in just about every state and plenty of discounts that accident-free drivers can use to trim their rates.

Cheapest for young drivers

For drivers in their early 20s.

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Drivers in their early 20s typically don’t have families, expensive cars or high-priced assets to protect — and can usually get by with less car insurance than older, more established motorists. As a result, young drivers can find pretty cheap Washington, D.C., car insurance. USAA again led the field with the cheapest estimate in our analysis. Geico returned a sample quote under $38 a month, which probably won’t break even a young driver’s budget.

Cheapest for drivers with one at-fault accident

Your risk profile goes up if you have at-fault accidents on your record, which could mean higher premiums when shopping around. In our test, causing just one incident raised a driver’s lowest available quote by almost $400 a year. That said, rates could be a lot worse. Sample prices nearly reached $5, 000 a year on the high end of our study, proving that drivers with spotty records can benefit more than just about anyone else from comparing as many offers as possible.

Cheapest for drivers with poor credit

For drivers placed in the lowest credit tier as determined by the industry.