The Three Cheapest Major Car Insurance Companies

State Farm is the largest auto insurance company in the country, providing policies nationwide and rates that beat the average in 48 states (excluding Massachusetts and Rhode Island) and D.C. A minimum coverage auto insurance policy with State Farm costs $356 for six months. Additionally, this company boasts an enormous network of local agents, meaning there is likely a State Farm agent in your city who can help you with a policy.

Geico is the second largest auto insurance company in the country and operates in all 50 states and D.C. A minimum coverage policy with Geico costs $409 for six months. Geico also has one of the auto insurance market's best quote tools, so it's easy to get an instant rate online and comparison shop.

USAA is actually the cheapest of these three insurers and, like Geico, operates in all 50 states and D.C. Minimum coverage auto insurance costs $215 for a six-month policy, on average, which is the lowest rate by far. We list USAA last of these three insurers as only active military members, veterans and their families will be eligible. But as the fifth largest auto insurance company in the country, it's serving almost as many customers as other big names like Progressive and Allstate.

In the table below, you can see how the average six-month rates for 13 of the biggest auto insurers in the country compared based on online quotes we obtained for a sample 30-year-old driver.