Who has the cheapest insurance?

There isn’t one insurance company that is cheapest for everyone. Typical cheapest rates often land around $40–$120/month for basic auto coverage in low-risk cases, and $150–$300+/month in higher-risk situations—but the actual price depends heavily on your ZIP code, age, driving/claims history, vehicle, coverage limits, deductibles, credit/insurance score where allowed, and available discounts.

If you mean auto insurance in the U.S., the cheapest option is usually found by comparing quotes from several carriers with the exact same coverage. In many cases, regional insurers, usage-based plans, and membership-based insurers like USAA (if eligible) can undercut big national brands. For some drivers, bundling home/renters insurance can also reduce the total cost.

Best move: get 3–5 quotes with identical limits, deductibles, drivers, vehicles, and address. The lowest price only matters if the coverage is truly comparable. Also check sold/completed quotes or recent rate reviews where possible, because pricing changes often.