USAA is tough to beat for cheap car insurance, but you need a connection to the military to qualify for coverage. For that reason, we kept USAA’s rates for the sake of comparison but omitted the company from the bulk of our analysis of the cheapest car insurance providers. USAA earns top ratings from its customers, and it has the lowest annual rates for drivers with a clean driving record or poor credit history. USAA also has the lowest car insurance premiums if you have a speeding ticket or an accident on your driving record.

Geico is the cheapest car insurance company we found for good drivers that have a clean driving record but lack a military affiliation. If your credit rating needs work, Geico also offers cheaper car insurance than most of the providers in our study.

State Farm is an excellent choice if you need affordable car insurance, but have a less-than-perfect driving record. Our study found that State Farm has the lowest average cost of car insurance after a DUI. Its rates are also among the most affordable if you have a speeding ticket or an accident on your record.

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