Auto Insurance Costs in Majority-Black Areas in Georgia Are 11.1% Higher Than State Average
When comparing Black-majority areas to white-majority areas, that disparity rises to... Read More
Car Insurance Near Me
Finding a car insurance company based near you can come with a lot of benefits, like a personal relationship with an agent which can mean better customer service.
Smaller regional companies tend to offer cheap rates and reliable customer service. It can also be easier to work with an agent with an office nearby than someone located in a call center across the country.
Many large insurance companies and regional providers have local agents who understand the needs of drivers near you. Additionally, working with someone near you can make the claims process much easier if you're ever in an accident.
Best car insurance near me
State Farm is the best car insurance company in 28 states.
That's because State Farm has great customer service reviews, affordable rates and most people are able to buy insurance from them.
However, the best car insurance near you may be different. Erie and Farm Bureau offer excellent customer service and affordable rates in the states where they sell insurance.
The best car insurance near you also depends on factors like your driving history and age, since these factors affect how much you'll pay for insurance. For that reason, it's important to compare quotes from multiple companies to find the best company for you.
Find Cheap Auto Insurance Quotes in Your Area
Best car insurance companies by state
State |
Best company
| |
|---|---|---|
| Alabama | State Farm | 
|
| Alaska | State Farm |
|
| Arizona | State Farm |
|
| Arkansas | State Farm |
|
| California | AAA | 
|
Show All Rows
USAA has the best customer service in many states, along with very affordable rates. But only military members, veterans and some of their family members can get car insurance from USAA.
Car insurance rates near me
Where you live can have a big impact on your car insurance rates. For example, drivers in Wyoming pay $31 per month for minimum coverage auto insurance, on average. People living in Michigan pay four times as much for the same coverage, at $133 per month.
It's important to compare rates from a handful of companies near you to find the best price for car insurance.
Cheap monthly car insurance rates near me
Compare rates in your state
Related articles: Car insurance near me
Open Enrollment Has Arrived. Here’s What You Need To Know
Even if you want to keep your current coverage, review your plan to make sure the services you need are still... Read More
2024 Porch Pirates Report
Of the 23% of Americans who’ve gotten shipping insurance due to theft fears, 86% say it was worth it and 48% have filed a... Read More
The Fed (Finally) Dropped Its Rates. Here’s What That Means for Homeowners
With even lower rates on the horizon, homeowners are ready to take advantage of the... Read More
States Most at Risk for Winter Weather Property Damage
Winter weather has already caused an estimated $61.8 million in property damage in the U.S. in 2024. Here’s where that damage has... Read More
Harris Issues Historical Proposal for Medicare Home Care Coverage
The plan could offer relief for the "sandwich" generation — Americans struggling with the financial burden of caring for both kids and... Read More
Hurricane Helene Wreaked Havoc on the South — and, Potentially, Its Insurance Market
With damages potentially reaching $110 billion, homeowners may be left fighting for coverage from an already cash-strapped... Read More
Dental Health Report 2024: Costs, Visits and Access Across the US
With out-of-pocket costs accounting for 40.3% of dental spending, one-third of American adults don’t visit the dentist... Read More
Many Americans Are Confused About Life Insurance. Here’s What You Need To Know
September is Life Insurance Awareness month, making it the perfect time to get to know your policy... Read More
State of Prescriptions in 2024: Shortages and Rising Prices
26% of Americans with a prescription say they’ve had difficulty filling one in the past year, leading 24% to skip doses in the same... Read More
What is Fixed Indemnity Insurance?
Fixed indemnity plans pay you a set amount of money for specific medical situations, like a broken limb or hospital stay. The plans can... Read More
How Adults Fare After a Natural Disaster: Displacements, Mental Health and Possible Scams
Louisiana has the highest rate of adults displaced by natural disasters for the second year in a row. Here’s our full look at hurricane,... Read More
Does Medicare Cover Mammograms? What You Need to Know
Medicare covers one mammogram each year for women over 40. Medicare will pay for more mammograms if your doctor tells you to get... Read More
Mosquito-Borne Illnesses Are On the Rise. Does Health Insurance Cover Them?
Previously only a concern for international travelers, some diseases like malaria and West Nile Virus are popping up in the United... Read More
The Best and Cheapest Homeowners Insurance in Montana (2025)
State Farm has the best homeowners insurance in Montana for most people. A State Farm policy costs $1,930 per year, on average, and the... Read More
Are Nutritionists Covered by Insurance?
Many insurance plans pay for nutritionists or dietitians if you're at risk for certain diseases, such as obesity or heart disease. You may... Read More
Frequently asked questions
Who normally has the cheapest car insurance?
State Farm usually has the cheapest rates among national car insurance companies. However, it might not be the cheapest option near you, especially if you have access to smaller regional companies like Erie, Farm Bureau or Country Financial.
Is it better to use a local insurance agent?
This depends on how you prefer to connect with your insurance company. If you prefer speaking with someone in person or on the phone, then a local agent is the best choice for you. However, if you would rather manage your insurance with an app and prefer virtual chat to phone calls, you may not need a local agent.
Methodology
To find rates by state, ValuePenguin compared quotes from the top insurance companies in each state. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage limits are greater than any one state's minimum requirement. Full coverage also includes comprehensive coverage, collision coverage and uninsured/underinsured motorist bodily injury coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
- Personal injury protection: Minimum when required by state
The best car insurance companies offered quotes in at least five states. ValuePenguin editors rated insurance companies based on J.D. Power customer satisfaction survey scores, data from the National Association of Insurance Commissioners (NAIC) complaint index, coverage availability and the overall value provided to customers.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.