Who has the cheapest insurance?

Cheapest insurance usually depends on the type of coverage and your personal profile—there isn’t one insurer that’s cheapest for everyone. For auto insurance in the U.S., a common rough ballpark is:

• USAA: about $900–$1,700/year for many eligible drivers, often among the lowest if you qualify
• GEICO: about $1,100–$2,200/year
• State Farm: about $1,150–$2,300/year
• Regional insurers: often about $900–$2,100/year, and sometimes the cheapest in a specific state

If you mean a different type of insurance—home, renters, life, health, or motorcycle—the cheapest company can be completely different.

Best practical answer: compare 3–5 quotes with the same coverage limits, because the lowest price usually comes from the insurer that best fits your exact situation. Also check discounts for bundling, safe driving, low mileage, good grades, and telematics. Prices change often, so check current quotes and completed/sold-style comparisons before buying.