Discover the Top Cheapest Auto Insurance Providers According to Reddit Users!


Auto insurance is a necessary expense for car owners, but it can be a major drain on your wallet. With so many providers out there, it can be overwhelming to choose the right one for your needs and budget.

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Reddit, a popular online forum, has a community of users sharing their experiences and opinions on various topics, including auto insurance providers. We’ve scoured Reddit to bring you the top cheapest auto insurance providers, as voted by its users, and put together a guide to help you save money on your next policy.

Top 5 Cheapest Auto Insurance Providers According to Reddit

1. Geico

Geico is a popular choice among Reddit users for its affordable rates and excellent customer service. According to users, Geico saved them hundreds of dollars compared to other providers, and they were impressed with how easy it was to get a quote and sign up for coverage.

One user, u/Affectionate_Ad1786, shared their experience with Geico, saying, “I saved almost $500 a year just by switching to Geico. It was easy to get a quote online, and customer service was top-notch.”

Another user, u/BoomerTheNastyBear, shared a similar experience, stating, “I’ve been with Geico for four years now, and I always come back to them because of their rates. I shopped around once, and no one could beat them.”

2. Progressive

Progressive is another auto insurance provider that Reddit users highly recommend for its competitive rates and user-friendly website. Many users praised Progressive for its bundling options, as it allows them to save even more on their policy by including other types of insurance, such as home or renters insurance.

User u/howdy_buddyd shared their experience with Progressive, stating, “I saved about $300 a year when I switched to Progressive. Their website is easy to navigate, and I love how I can bundle my home insurance with them as well.”

Another user, u/nauticalpeanuts, also praised Progressive for its customer service, saying, “I had to file a claim with them, and they made the process so easy. They were very responsive and helpful throughout the whole ordeal.”

3. State Farm

State Farm is a well-known auto insurance provider that has been around for decades. Reddit users have consistently ranked it among the top cheapest auto insurance providers due to the company’s personalized approach to coverage and competitive rates.

User u/Chel3189 shared their experience with State Farm, stating, “I’ve been with State Farm for years, and they’ve always been great to me. They’re always willing to work with me on my coverage and offer competitive rates.”

Another user, u/YoungNobleman, praised State Farm for its discounts, stating, “I got a multi-car discount and saved over $300 a year compared to my previous provider. State Farm has great discounts and rewards safe drivers.”


USAA is a popular auto insurance provider for military members and their families. Despite being a niche provider, Reddit users have ranked it among the top cheapest auto insurance providers due to their competitive rates and excellent customer service.

User u/ownsnested shared their experience with USAA, stating, “I’ve been with USAA for over a decade, and I’ve never had any issues with them. They have great rates, and they offer discounts for safe drivers and military members.”

Another user, u/MostDope21, also praised USAA for its bundled policies, saying, “I have my auto, renters, and life insurance all with USAA, and I’m saving over $500 a year. Their customer service is great, too.”

It’s important to note that not everyone is eligible for USAA insurance, as it’s limited to military members, veterans, and their families. If you don’t fall under this category, there are still many other affordable options available.

5. Allstate

Allstate is a well-known auto insurance provider that offers competitive rates and discounts to help customers save money. Reddit users have consistently praised Allstate for its excellent customer service and bundling options.

User u/Condorero shared their experience with Allstate, stating, “I switched to Allstate a couple of years ago, and I haven’t looked back. They saved me over $400 a year, and their customer service is impeccable.”

Another user, u/cmcg2011, also praised Allstate for its bundling options, saying, “I have my auto and home insurance with Allstate, and I’m saving over $600 a year. Their bundling options are great, and their customer service is top-notch.”

How to Save Money on Auto Insurance

Now that you know the top cheapest auto insurance providers according to Reddit users, here are some tips on how to save even more money on your next policy:

1. Shop around

One of the most effective ways to save money on auto insurance is by shopping around and comparing quotes from different providers. Don’t settle for the first quote you receive, as you may be able to find a better deal elsewhere.

2. Increase your deductible

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. By increasing your deductible, you can lower your monthly premium, but be sure that you have the money to cover the deductible in case of an accident.

3. Bundle your policies

Many insurance providers offer discounts for bundling your policies, such as combining your auto and home insurance. This can help you save money on both policies and simplify your coverage.

4. Drive safely

Maintaining a safe driving record can help you save money on auto insurance. Many providers offer discounts for safe driving, so be sure to drive responsibly and avoid any accidents or traffic violations.

5. Take advantage of discounts

Many insurance providers offer various discounts, such as loyalty or multi-car discounts. Be sure to ask your provider about these discounts and see if you qualify for any of them.


Auto insurance can be a significant expense for car owners, but by choosing the right provider and taking advantage of discounts, you can save money on your policy. According to Reddit users, the top cheapest auto insurance providers are Geico, Progressive, State Farm, USAA, and Allstate. Be sure to shop around and compare quotes from different providers before making a decision, and take advantage of discounts to further reduce your monthly premiums.

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