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Usaa is the cheapest car insurance company, and it offers the lowest car insurance rates in the country, according to our analysis.this insurer has a low representative rate of just $885 per year, which is nearly $300 less than the next cheapest insurance company in our study. But, before we get started you might have some questions about what insurance brokers do exactly. Young drivers (those between the ages of 16 and 25) face expensive auto insurance rates, with those between the ages of 16 and 19 paying the most expensive premiums of all. These prices are based on quotes for a 2010 mazda 3, which is garaged, has no accident or hail damage and hasn’t been modified.

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