Bingle's average policy costs $767. Based on our sample rate data, the average cost of car insurance was $2,808 per year. Of all the metal tiers, Bronze plans have the lowest premiums, though you’ll pay the most for your health care costs. Of course, there’s a number of other factors that help determine the cost of your car insurance such as age, location and driving history, but a. Get cheap car insurance quotes. Cheapest car insurance after a speeding ticket: State Farm. Ford Escape ($1,609). Saga: Best for over-50s. Liability limits are written as a group of three numbers, such as 15/30/15, and breaks down to mean: 15 = $15,000 of bodily injury liability coverage per person. Company. Average savings of nearly $750 for new customers who save*. Bronze Plans. State Farm is the cheapest full-coverage car insurance company in South Dakota. There are 50 different car insurance groups - those in insurance group No. State Farm offers the cheapest quotes for full coverage policies, charging $94 per month, or $1,123 a year, which is around 45% cheaper than the Delaware state average. Steve Mickenbecker, Group Executive, Financial Services & Chief Commentator. 32, compared to our. USAA coverage is about 39 percent. In Virginia, car insurance quotes increase by 54% after an accident, on average. State Farm ( $130 per. The best cheap car insurance for new drivers comes from Geico, according to our research. Monthly rate. The average cheapest car insurance companies in Cleveland for a minimum coverage policy are: Erie: $217 per year. Toyota RAV4. Get a quote Or, call 1-855-347-3749. Our 2023 data shows that Farm Bureau Mutual is the cheapest car insurance company for full coverage in Saint Paul. Jerry compares car insurance policies, loans, and repair costs and gives you incredible rewards just for driving. According to the most recent data from the Association of British Insurers (ABI), the average premium for private comprehensive motor insurance stood at £561 in Q3 2023, up 29 per cent year-on. Credit cards;. A solid five-door family hatchback – or estate or even a swoopy Fastback model, if you prefer – the Hyundai i30 is a great choice for those looking for cars in the 11-20 bracket. Cheapest for liability: State Farm. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. At the start of the COVID-19 pandemic, new car sales dropped tremendously by 19. Cheapest car insurance cost in Montgomery by Age Group. The cheapest car insurance company in Vermont is Concord Group at $963 per year on average, or $80 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates. Buffalo residents pay more for car insurance than the national average of $880, but only slightly over the state average in New York ($1,085 every six months). In Missouri, the average cost for minimum coverage is $90 per month, or $566 yearly — a savings of $1,212 compared to full coverage. Car Insurance Near Me. The cheapest car insurance companies include State Farm, Travelers and Geico, according to. On average, Nationwide charges. Best for adding a teen to a policy: Auto-Owners. 3. S. However as you get older, your premiums should start to reduce. Average car insurance cost for 21-year-olds. The Zebra's key takeaways about car insurance in Atlanta: The average cost of a car insurance policy in Atlanta is $1,161 per six-month policy — $194 per month. Cheapest car insurance quotes with a ticket: State Farm. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. $113/mo. 0 litre engine and. Insurers put all cars into groups from 1 to 50. Compared to full coverage, getting liability-only coverage at the state minimum level will make your auto insurance much cheaper. Although USAA typically offers lower rates, it is only available to military. These. We found a typical price of just $91 per month, which is 62% less than average. At $97 per month, a policy from Auto-Owners costs $28 less per month than the state average. $26/mo. They also have good safety features and are relatively cheap to repair. Cheapest full coverage: State Farm. For a 21-year-old male, the average cost is $917 per year and for a female driver, the same policy could cost about $850 per year for the state minimum policy. 6% between 2019. Sangster’s renewal offer from Admiral came in at £614, up from £328 in. . Progressive is the cheapest major car insurance company for full coverage policies, providing savings of $850 compared to the national average. Check your car insurance group today. Nissan Rogue. *Confused. Insurers put all cars into groups depending on their value, the cost of repairs, and the risk of them being in an insurance claim. New Orleans ranks as the most expensive city for car insurance in Louisiana. These were the 10 cheapest cars to insure in 2023 based on annual premiums, according to our data: Subaru Outback ($1,512). State Farm offers the best rates for drivers who have an at-fault accident on their record. Although USAA typically offers lower rates, it is only available to military. The mid-size SUV. American Family is the best car insurance company in Arizona overall, according to NerdWallet’s analysis. The cheapest auto insurance providers in Oklahoma for a minimum coverage policy are: Mercury: $269 per year. Company. Group health benefits. Cheap Full-Coverage Car Insurance In Austin. Farmers is a good option for teenage drivers, while National General may be the most affordable choice for those with speeding tickets or DUIs. Concord Group’s minimum-coverage car insurance rates average $39 a month, while its full-coverage rates. The cheapest company in Omaha is Farm Bureau ($590), but USAA and Farmers Mutual are other great options. According to our data for 2023, the cheapest car insurance company for full coverage in Houston is GEICO at $141 per month or $847 per six-month policy, while the second cheapest is State Farm at $155 per month or $927 for a six-month policy. The Zebra analyzed rates from top car insurance companies to see who has the cheapest rates in 2023. Company. With a typical Bronze plan, the insurance company pays 60% of. Cars in these groups are typically small, low-powered cars with a good safety record. Company. The cheapest car insurance company in New Hampshire is Concord Group at $809 per year on average, or $67 per month, according to the most recent NerdWallet analysis of full coverage car insurance. Enjoy Confused. Increase your deductible for instant savings. Hyundai Tucson SE ($1,597). In Arizona, the average cost for minimum coverage is $46 per month, or $555 yearly — a savings of $1,076 compared to full coverage. Not necessarily - in fact your 50s and 60s could be your cheapest decades for car insurance. Also, know the least expensive zip codes and companies that offer auto insurance in Colorado. Omaha car insurance rates by company. Save up to £489 on your car insurance*. Kaiser Permanente is the cheapest health insurance company for 2023, with an average price of $343 per month for a Bronze plan. It also offers the best full coverage quotes for teen drivers, at $181 per month. Hyundai i30. Based on our results, on average, you could get a comprehensive car insurance policy for an annual sum of £2049. The company also earned a 5-star rating from NerdWallet, and you can read our. Zebra Tip: The cheapest companies for Richmond drivers between ages 20 and 30 are Penn National, USAA and Nationwide. The most expensive company, Progressive, offers minimum coverage for $1,058 per year. Keep an eye out for admin fees when comparing policies. The cheapest auto insurance company in Montgomery for teen drivers is USAA. Insurance group 1 cars are often the cheapest to insure. Honda CR-V LX. Compared to the average cost for people with a speeding ticket, State Farm's rates are $710 cheaper per year. But if you qualify as a military member, veteran or family member, USAA is the cheapest by far, at only $23 per month. Toledo car insurance rates by company. The minimum Texas car insurance requirements are $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage. 98 – 57% more than for. Cheap auto insurance in Ohio for minimum coverage. $315. Bauer Media Group consists of : Bauer Consumer Media Ltd, Company number 01176085; Bauer Radio Limited, Company number: 1394141; Registered office: Media House, Peterborough Business Park, Lynch Wood. Blasdell, a town of only 2500 people, sees the second least expensive car insurance rates on average. Top 10 Cheapest Car Insurance Companies In Ne…Nov 21, 20232. Updated: 11/16/23. Cheapest. Includes windscreen repair and courtesy car as standard (excluding essential tier) Get a quote. As of 13 November 2023. Your. The cheapest car insurance company for you will depend on your driver profile and needs. Cheapest car insurance for UT drivers with poor credit: Progressive. The average cost of a car insurance policy in Fremont is $939 per six-month policy — or $157 per month. Farm Bureau is the second-cheapest option, at $191 per month. Buffalo residents pay more for car insurance than the national average of $880, but only slightly over the state average in New York ($1,085 every six months). The national average auto insurance rate hike. LV= has an average monthly cost of £28 and an annual cost of £333. Group 1 cars are the cheapest to insure while the Group 50 ones are the most expensive. Car insurance group 1 vehicles are the cheapest to insure. Car insurance costs an average of $147 per month or $1,759 per year. Nationwide: Best for collision and comprehensive coverage. Cheapest car insurance quotes if you have an accident history: State Farm. According to our customers in Seattle, 31% of them said they're paying. The cheapest car insurance company in MO is different for every driver. However, it will also leave you at risk. Grace Kim. Drivers shopping for the cheapest car insurance rates but do not qualify for USAA should make sure they get quotes from Geico. Paradoxically, its low cost contributes to its high insurance premiums. $62/mo. Geico has the cheapest average annual rate in Michigan at $1,066 per year. Travelers: $668 per year. According to Nationwide, you may save between 15%. USAA had the cheapest average annual rate of $2,065 and Allstate had the highest of $3,719. AAA car insurance is available to both AAA members and non-members, depending on your state. Cheap auto insurance in Ohio for minimum coverage. In Oregon, the average cost for minimum coverage is $53 per month, or $637 yearly — a savings of $757 compared to full coverage. For Toledo in 2023, our data shows that the cheapest company for full coverage auto insurance is USAA at $83 per month or $498 for a six-month policy, followed by State Farm at $92 per month or $552 for a six-month policy. Bureau of Labor Statistics. That’s nearly 12% less than the national average rate of $1,543 per year. The cheapest midsize sedan, SUV, or small truck to insure might include the Subaru Legacy, Subaru Ascent, and Toyota Tacoma xtra cab. Get a free car insurance quote online from Progressive Insurance. No junk mail. We don't like: Comparatively high compulsory excesses. Group 13 cars tend to have reasonable security and safety features, average performance and relatively low repair costs, so. 11 Car Insurance Group Table; 4 Which is the cheapest insurance group? 4. When choosing a car to buy, use our tool to find out which cars are in the lowest insurance groups so you can be sure the cost of cover will be affordable. . Every car is labelled with an insurance category from Group 1 to Group 50, which essentially represents how affordable they are to insure. Auto-Owners has the cheapest quotes in Georgia for full-coverage car insurance. 66% policy score on its standard policy (16th out of 34) 74% customer score (6th out of 15) We like: Unlike many insurers, Aviva guarantees repairs for the remainder of the time the car is insured with it. The. Free quotes. Direct Line Group (Churchill Essentials) £396. We found a typical price of just $91 per month, which is 62% less than average. State Farm offers the most affordable car insurance for drivers in Minnesota with a speeding ticket. Third party only. 2 i-DTEC EX GT 5d. A typical Utah driver pays an average of $1,386 per year. Edited by. The Zebra's key takeaways about car insurance in Omaha: The average cost of a car insurance policy in Omaha is $903 per six-month policy — about $150 per month. Based on our findings, paramedics pay an average of £452 annually for private car insurance closely followed by ambulance crews at £469, firefighters at £492, and police officers at £565. S. The insurance group a particular model is placed in depends on a. Farm Bureau is the second-cheapest option, at $191 per month. In Omaha, Nebraska, Farm Bureau (IA Group) is the best choice for affordable comprehensive auto insurance based on our 2023 data, with rates starting at $98 per month or $590 for a six-month policy. The average cost of a car insurance policy in Fremont is $939 per six-month policy — or $157 per month. With a typical Bronze plan, the insurance company pays 60% of. Full coverage: 100/300/100 with comprehensive and collision with a $500 deductible. Cheapest Car Insurance in California for Seniors (November 2023) The following companies offer the cheapest full coverage car insurance in California for seniors: CSAA: $367 per year. Group 1 includes the cheapest cars to insure, and each group becomes increasingly more expensive. What is the cheapest car insurance group? There are 50 car insurance groups, with cars in group 1 being the lowest to insure and cars in group 50 having the. Subaru Crosstrek ($1,516). Summary: Best car insurance companies in the UK 2023, by category. How we chose our best picks. Key factors are inflation, supply shortages, climate change and reinsurance rates. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. Car insurance groups explained. The cars that fall in this group tend to have a higher market value. Insurance. $3,184. $50. Here is a list of the top 10 cheapest car insurance companies in the UK: AXA (Swiftcover) has an average monthly cost of £23 and an annual cost of £281. The cheapest company in Tucson is Root ($346). The Cheapest Car Insurance Rates in Maine are $17/Mo ($202/Yr) for Liability Insurance from USAA and $46/Mo ($557/yr) for Full Coverage from Auto-OwnersHere are Forbes Advisor’s picks for the best car insurance companies of November 2023: American Family: Best for Low Level of Complaints. Differences in companies and quotes make it important to compare car insurance if you want to save money. 5 One D Hatchback Sport Pack 5d (insurance group 11) or around £899 for a Mini Cooper 2. 2 What is insurance group 14 average cost? 4. The cheapest car insurance in Massachusetts is an average of $36 a month for minimum coverage from The Hanover Insurance Group. What is the cheapest insurance group? Insurance groups range from 1 to 50, with 1 being the cheapest and 50 being the most expensive. The companies offering the cheapest minimum coverage car insurance in Las Vegas are: CIG: $521 per year; State Farm: $572 per year; The most expensive company is Dairyland, with an average premium of $2,419 per year. The higher the group, the more expensive a car is likely to be to insure. Young drivers in Alaska pay $94 more per month more for minimum-coverage car insurance than adult drivers do. This can make it hard to find cheap car insurance in B. Avg. Car insurance rates for the same driver may vary significantly between different companies. Car insurance groups in the UK are numbered from 1 to 50, with group 1 containing cars in the cheapest insurance group, while the cars in group 50 are the most expensive to insure annually. Westfield 4. These top companies all offer quotes under $130 per month, cheaper than the average monthly cost of a full-coverage policy in Nebraska, which is $142. Our rate data shows that Erie offers the cheapest full-coverage insurance in Fayetteville with rates of $103 per month. Company. That’s a whopping difference of more than. The recent pricing trend in Utah leans toward slightly cheaper car insurance costs. Quote data reveals that Paramedics, firefighters and police officers rank the best occupations for lower car insurance premiums. At $1,983 per year, Redpoint County Mutual has the lowest rates for drivers with bad credit. Full-coverage car insurance from Geico costs $247 per month, which is 41% cheaper than average. Cheapest car insurance after an accident: State Farm. In 2022, our data shows Germania Mutual Group is the cheapest car insurance company in Laredo with rates at $694 for a six-month policy. has a significant problem with injury claims and. Start with group 1 if this is your aim - generally, the higher the group, the higher the cost. Increase your deductible for instant savings. 3 Where is an insurance group prices table for the UK? These rates are high compared to the national averages of $622 for minimum and $2,014 for full coverage. Michigan drivers with a recent speeding ticket can get affordable insurance from Progressive. State-minimum car insurance in New Hampshire. Allstate $895 $1,200 $1,322 $1,343 $1,372 $1,435 $1,505 $1,619 $2,164. Company. State Farm's quote is 43% lower than the statewide average of $597 per year. Geico has the cheapest full-coverage auto insurance quotes in New Jersey. State Farm has the cheapest full coverage car insurance quotes in Houston. Military members, veterans and their families can also take advantage of affordable rates from USAA. Written by. 4 i-VTEC SE 5d, which is a group 8 model. Cheapest car insurance cost in Birmingham by Age Group. 10 What are car insurance groups 1 – 20? 3. State Farm has the cheapest minimum coverage car insurance quotes in West Virginia, at an average price of $28 per year, or about $341 per month. Take a look at our list of car insurance companies. Monthly rate. com Q3 2023 price index data. The cheapest car insurance for 23-year-olds is available from American National Finance, which offers insurance rates for this age group at about $99 a month, according to a 2022 Insurance. Company. Car insurance in Laredo costs an average of $1,107 for a six-month policy or $185 per month on average. Typically, cars in the lower insurance groups are the cheapest to cover; with Group 1 normally offering the cheapest car insurance deals. Car insurance price trends in Utah. Capital Insurance Group is the best cheap car insurance in Las Vegas, with an affordable minimum coverage policy costing $521 a year on average. Best customer support: Farm Bureau. Auto-Owners has the cheapest car insurance rates in Virginia. For full coverage, its average annual rate for Phoenix drivers is $3,345. Car insurance is required in nearly all states, including Michigan. The Best Cheap Car Insurance Companies. Minimum coverage in Michigan is 121% more costly than the nationwide average. subsidiary. However, Erie is only available in 12 states and Washington, D. Drivers with full coverage pay. The cost of repairing one is also going to be low, as this again contributes to the overall pricing structure used by. The Zebra's key takeaways about car insurance in Dallas: The average cost of a car insurance policy in Dallas is $1,170 per six-month policy — $195 per month. What is insurance group 11? Insurance group numbers run from 1 to 50, with 1 generally being the cheapest to insure. Geico's the cheapest auto insurance company for young drivers in California, with a rate of $97 per month for liability-only insurance. £1,777. The amount you’ll pay for car insurance at 21 years old is still relatively high, compared to drivers in general – between January and June 2023, drivers between the ages of 20 and 24 paid on average £1,294 for cover. Car insurance group 11 is towards the cheaper end of the scale. American Family: Best large insurer. MoneySupermarket. Farm Bureau is the second-most affordable company, at $220 per month. The average car insurance cost is £851 for a 20-year-old versus £486 for a 55-year-old – that’s 75% more! The average car insurance cost in Greater London is £1,006. Erie and Auto-Owners are the cheapest companies in 4 states. It costs $84 per month for a full coverage policy — 54% cheaper than the state average of $181 per month. The groups are numbered from 1 to 50, with 1 being the lowest risk and 50 being the highest risk. Group 1 cars are the cheapest to insure while the Group 50 ones are the most expensive. Nationwide is the second most affordable option, with rates at $136 per month or $818 for a six-month policy. State Farm is the cheapest full-coverage car insurance company in South Dakota. At $87 per month, coverage from State Farm is 47% cheaper than the city average, which is $163 per month. The average comprehensive policy in Australia costs $1,345. An average policy with Farm Bureau costs $79 per month or $471 per six-month policy, while Auto-Owners is the second most affordable at $107 per month or $642 for a six-month policy. monthly cost. com rewards. Geico has the cheapest full-coverage car insurance in California, charging an average rate of $1,486 a year. Cheap auto insurance in Colorado for minimum coverage. The least expensive cars to insure are typically those with fewer and less costly claims. These are based on lots of different factors including their market value, the cost of repairs, and the risk of the car being in an accident. Best for teen drivers: Texas Farm Bureau. Top 10 popular car models in Canada that are cheapest to insure in Ontario. In 2022, our data shows Germania Mutual Group is the cheapest car insurance company in Laredo with rates at $694 for a six-month policy. Age Group. Photograph: Panther Media GmbH/Alamy. Cheap auto insurance in Arizona for minimum coverage. To give you an idea of the average cost of car insurance for a 17-year-old, we ran several quotes using a popular make and model for a 17-year-old and an average UK postcode. What is the cheapest car insurance group? There are 50 car insurance groups, with cars in group 1 being the lowest to insure and cars in group 50 having the most expensive car insurance. $2,525. Bingle offers the cheapest comprehensive car insurance policy, according to Finder research. For car insurance groups in Group 1 to Group 20, go to this site for finding out which cars fall into these categories. State Farm has the least expensive car insurance rates in Oregon for drivers who have a speeding ticket. Coverage. Cheapest full-coverage car insurance in South Dakota: State Farm. Company. com to provide average premiums for comprehensive car. Cheapest: $16/mo. 2024 Kia Forte. The group your car is in is determined by a number of. The national. Compare Rates and Save on Car Insurance. Both companies offer rates that are lower than the average in North Las Vegas. These cars are included on IIHS-HLDI's bodily injury claim frequency data for 2019-2021 models, meaning they may be less risky and. There are 50 car insurance groups in the US, with Group 1 being a low risk and Group 50 being the high risk. Our study found AAA insurance to be the most expensive for. Compare car insurance quotes from over 163 leading providers in minutes. Cheapest auto insurance in Maryland for 50-year-old drivers with one at-fault crash. Car Insurance Group 10 – All you need to know. Based on our results, on average, you could get a comprehensive car insurance policy for an annual sum of £2049. The Dacia Sandero is the cheapest new car you can buy right now, and it’s proof that cheap certainly doesn’t mean nasty. Best car insurance for young drivers. The cheapest car insurance in Colorado is American National, with an average monthly rate of $70 for full coverage. The cheapest car insurance company in Michigan is Secura* at $984 per year on average, or $82 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in. On average, MoneyGeek found that the cheapest car insurance company in Nevada for a minimum coverage policy are:. Rates increase by an average of 54% for drivers who have a DUI or DWI in Florida. GEICO offers the cheapest rates for full and minimum coverage and drivers in the military. Progressive: Best. *Based on annual premiums for a 17 year old main driver in 2023, accurate as of March 2023. In 2023, our data shows Capital Insurance Group is the cheapest car insurance company in Las Vegas with rates at $593 for a six-month policy. com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). Cheapest car insurance cost in Phoenix by Age Group. Car insurance group 14 is a low to mid-range category. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. Hastings Direct: Best for young drivers. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for. USAA has the most affordable liability-only rates at $31 per month. Being convicted of a DUI can inflict a devastating blow on your efforts to keep car insurance costs low. Progressive is the most expensive company for minimum coverage, with an average premium of $838 per year, based on the companies MoneyGeek assessed. The new Hyundai i10 comes with a 1. Bingle offers the cheapest comprehensive car insurance policy, according to Finder research. Annual Premium. This is 16% less than the average yearly cost across all vehicles analyzed. Cheap auto insurance in Colorado for minimum coverage. Travelers’ car insurance costs are about $1,600 cheaper. 20076; a Berkshire Hathaway Inc. Those who live in Blasdell have rates of $1067 on average for their auto insurance. Nationwide is only a little cheaper than Farmers Mutual and State Farm. Geico also has cheap quotes, averaging $52 per month. 6T VXR 3d. Typical auto insurance costs $63 less than the national average — about $10 a month in savings. On average, Southern Farm Bureau Casualty Insurance Group offers the cheapest car insurance estimates for 17-year-old drivers at $2,775 per year or $231 per month. Toyota RAV4 LE. 1 Excludes esure Flex. According to the most recent data from the Association of British Insurers (ABI), the average premium for private comprehensive motor insurance stood at £561 in Q3 2023, up 29 per cent year-on. Your car plays a big part in getting cheap car insurance. Nationwide is the cheapest company in Nebraska for a full-coverage policy, at $110 per month. 56. USAA is the second cheapest option, charging $101 per month or $605 for six months. Cheapest full-coverage car insurance in South Dakota: State Farm. Jeep Wrangler Sport ($1,617). There are 50 car insurance groups, with cars in the lower groups being the cheapest to insure and cars in the upper groups. The cheapest car insurance in North Carolina is North Carolina Farm Bureau, with an average monthly rate of $82 for full coverage. 60+. Progressive has the cheapest car insurance for a 65-year-old in California, while Geico is the cheapest company for that same driver in Florida. Get insurance from a company that's been trusted since 1936. The larger the company is, the more agents they’ll probably have, so you’ll get to pick. Group: 15. Every car in the UK is allocated an insurance group to help insurers work out how much to charge you for cover. NYCM offers the cheapest auto insurance rates for young drivers in Buffalo at $70 a month for minimum coverage and $140 a month for full coverage. , especially insurance for young drivers in British Columbia. Cheapest for liability: Auto-Owners. USAA, Auto-Owners and Geico offer the cheapest full coverage car insurance, according to Forbes Advisor’s analysis of national averages. In Indiana, the average cost for minimum coverage is $35 per month, or $414 yearly — a savings of $944 compared to full coverage. Company. When it comes to the best car insurance for your wallet, Progressive comes out on top. To give you an idea of the average cost of car insurance for a 17-year-old, we ran several quotes using a popular make and model for a 17-year-old and an average UK postcode. Cars in insurance group 1 include variants of: Car insurance in Las Vegas costs an average of $1,428 for a six-month policy or $238 per month on average. Young drivers can find affordable car insurance rates by shopping around and comparing quotes from different insurance. Fiat’s iconic city car is popular amongst young drivers for its cute and stylish look, combined with affordable running costs. The cheapest company in Birmingham is USAA ($504). A policy from State Farm costs $268 per month, versus Geico's average rate of $284 per month. State Farm and GEICO also offer Virginia drivers cheaper rates, with monthly liability costs as low as $36 and $49, respectively. Geico has the second-cheapest average annual rate for drivers with poor credit, $919 lower than the national average in this category. 2. There are 50 car insurance groups in the US, with Group 1 being a low risk and Group 50 being the high risk. Group 1 : Cars in this group are usually among the cheapest to insure. Cheapest: $22/mo.