Who has the cheapest car insurance with fair credit?

American National P&C has the lowest national average we track for this bracket, at $64.48 a month.

What is the average cost for this bracket?

Across 103 insurers and every city we track, the average is $280.40 a month.

Real filed 25-55/full-coverage rates with the fair-credit modeled adjustment applied, aggregated across every city we track.

Credit tier is a modeled adjustment (×1.24) applied to real filed 25-55/full-coverage base rates, not a separately filed rate. Methodology.

$280.40

National avg / month

+34%

vs adult/full baseline

#InsurerAvg / mo

01 American National P&C $64.48

02 Idaho Farm Bureau $75.64

03 Oregon Mutual $97.75

04 Farm Bureau of ID Group $103.75

05 Virginia Farm Bureau Insurance $121.52

06 Island Insurance Group $133.09

07 21st Century $138.88

08 Donegal $143.38

09 State Auto $143.84

10 Oregon Mutual Insurance $153.55

11 American National $154.66

12 USAA $158.69

From $60.76/mo

From $64.48/mo

From $71.71/mo

From $90.52/mo

From $93.41/mo

From $98.37/mo

From $99.20/mo

From $99.20/mo

More brackets

See rates for other driver profiles.