1. GEICO: Consistently Low Rates for Almost Everyone

GEICO is almost always at the top of the list when it comes to budget-friendly premiums. They offer great discounts—especially if you’re a good driver, student, or bundle multiple vehicles. The app is solid, customer service is fast, and policies are easy to manage. If you’re just looking for minimum liability or basic coverage, GEICO is one of the first places you should check.

2. State Farm: Best for Safe Drivers and Young Adults

State Farm offers strong discounts through its Drive Safe & Save program, which tracks your driving habits and rewards safe behavior.