Cheap Auto Insurance for Volunteers in 2026 (Save With These 8 Companies!)
You can find cheap auto insurance for volunteers at Geico, where minimum coverage averages $32/mo. The next two cheapest companies for volunteers are State Farm and Travelers. Anyone who volunteers for a company or organization and drives a vehicle must have insurance, and these companies provide the best rates.
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Updated January 2025
19,116 reviewsCompany Facts
Avg. Monthly Rate for Volunteers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
18,155 reviewsCompany Facts
Avg. Monthly Rate for Volunteers
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
1,733 reviewsCompany Facts
Avg. Monthly Rate for Volunteers
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviewsYou can find cheap auto insurance for volunteers at Geico, with State Farm and Travelers coming in close being for affordable rates.
If you volunteer, you must carry proper car insurance coverage on your vehicle, as driving without insurance can result in fines and penalties.
Luckily, there are plenty of companies that offer affordable insurance for volunteering, from Geico to Allstate.
Take a look below to see some other cheap volunteer driving insurance.
Our Top 8 Company Picks: Cheap Auto Insurance for Volunteers
| Company | Rank | Monthly Rates | Good Driver Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | 26% | Lowest Rates | Geico |
 | #2 | $39 | 25% | Local Agents | State Farm |
 | #3 | $40 | 10% | Bundling Policies | Travelers |
 | #4 | $50 | 30% | Tight Budgets | Progressive |
 | #5 | $51 | 25% | Costco Members | American Family |
 | #6 | $53 | 40% | Safe Drivers | Nationwide |
 | #7 | $63 | 30% | Signal App | Farmers |
 | #8 | $66 | 25% | Pay-Per-Mile Rates | Allstate |
Read on to learn more about cheap insurance for volunteering. To shop for cheap volunteer insurance, use our free quote tool to compare rates.
- Geico has the cheapest car insurance on average for volunteers
- You will need insurance for any cars you own and drive, even if you volunteer
- Some organizations may offer non-owned or hired liability coverage to volunteers
#1 – Geico: Top Pick Overall
Pros
- User-friendly: Geico’s app and website are easy to navigate and make policy changes on (read more: Geico insurance review).
- Strong financial stability: As one of the largest insurance companies, Geico has great financial stability ratings, making it less likely to raise rates to offset the cost of operation.
- UBI program: Geico’s DrivEasy program rewards safe drivers with discounts. Read more about DriveEasy in our Geico DriveEasy review.
Cons
- Fewer in-person agents: Geico primarily interacts online or over the phone with customers, not in person.
- Negative reviews about claims: Geico has some negative customer reviews about its claims handling, although bear in mind this is typical at any insurance company.
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#2 – State Farm: Best for Local Agents
Pros
- Local agents: One of State Farm’s biggest selling points is its widespread local agent network.
- Good coverage options: State Farm has a great selection of auto insurance coverages for drivers to choose from.
- Customer service reputation: State Farm has a great reputation for customer service, which you can read more about in our State Farm review.
Cons
- Can’t purchase online: You can get quotes online, but you need to complete the final purchase with a State Farm agent.
- Higher rates for bad credit: State Farm is not the most economical choice in most cases for drivers with bad credit.
#3 – Travelers: Best for Bundling Policies
Pros
- Discounts: Travelers has some great discounts for drivers to take advantage of, such as its bundling discount (learn more: Travelers review).
- Strong financial stability: Travelers has great financial stability ratings, helping the company avoid rate increases.
- Coverage options: Travelers’ coverage options make it easy for volunteers to make customized policies.
Cons
- Some negative reviews: Travelers has a few negative customer reviews.
- Fewer in-person agents: Most of Travelers’ customer service is conducted online or over the phone.
#4 – Progressive: Best for Tight Budgets
Pros
- Budget tool: Progressive’s Name Your Price lets people see how much coverage they can get on their budget.
- Snapshot program: Progressive’s Snapshot program helps safe drivers save on their policy (read more: Progressive Snapshot review).
- Coverage options: Progressive’s options for car insurance help volunteers customize their policies.
Cons
- Varied reviews: Progressive has some negative customer service reviews. Read more about Progressive’s customer service in our Progressive review.
- Expensive for younger drivers: Teens and young adults will have much higher rates at Progressive.
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#5 – American Family: Best for Costco Members
Pros
- Cheaper for Costco members: Costco members who purchase CONNECT by American Family auto insurance from Costco may be able to get cheaper rates.
- Loyalty discounts: American Family offers discounts to customers who stick with the company, as well as many other discounts.
- Coverage options: American Family has good coverage options to choose from. Learn more about American Family’s coverages in our American Family review.
Cons
- Limited availability: American Family is not available in every state.
- Rates not best for all demographics: American Family may not have the cheapest rates in some areas or for some demographics.
#6 – Nationwide: Best for Safe Drivers
Pros
- SmartRide program: Safe drivers can save up to 40% with Nationwide’s UBI program. Read more: Nationwide SmartRide review.
- Strong financial stability: Nationwide has great ratings for its financial stability (read more in our Nationwide review).
- Customizable coverage: Nationwide’s selection of auto insurance coverages makes customization for volunteers easy.
Cons
- Fewer in-person agents: Nationwide provides customer service primarily online and over the phone.
- Higher rates for some demographics: Drivers with DUIs and other infractions may not find the cheapest rates at Nationwide.
#7 – Farmers: Best for Signal App
Pros
- Signal app: Farmers’ Signal app offers discounts for safe driving. Some states also have Crash Assist with the Signal app, which can send help to drivers after they’ve been in an accident. Learn more in our Farmers Signal review.
- Discount options: Farmers also offers plenty of Farmers auto insurance discounts beyond Signal, such as a bundling discount.
- Coverage options: Farmers offers plenty of auto insurance coverages for volunteers to choose from.
Cons
- Varied customer service reviews: Some customers had negative reviews about Farmers’ customer service.
- Higher rates for some demographics: Some high-risk drivers won’t find affordable rates at Farmers. Learn more about rates in our Farmers auto insurance review.
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#8 – Allstate: Best for Pay-Per-Mile Rates
Pros
- Pay-per-mile insurance: Volunteers who rarely drive could save big with Allstate’s pay-per-mile insurance plan.
- Discount options: Allstate has multiple auto insurance discounts, from bundling to safe driver discounts.
- Coverage options: Allstate’s coverages make it easy to customize. Learn more about Allstate’s coverages in our Allstate review.
Cons
- Varying customer reviews: Allstate has some negative reviews regarding its customer service.
- Higher rates for some demographics: High-risk drivers, such as drivers with a DUI, won’t find the cheapest rates at Allstate.
Car Insurance for Volunteer Work
There is no such thing as auto insurance specifically for volunteers. Still, anyone who owns and drives a car must have insurance on that vehicle to drive legally and be covered in an accident. Below, you can see how much coverage costs at the top companies for volunteer auto insurance.
Volunteers Auto Insurance Monthly by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $69 | $166 |
 | $74 | $164 |
 | $76 | $198 |
 | $52 | $144 |
 | $63 | $164 |
 | $56 | $152 |
 | $54 | $149 |
Volunteers have countless options for auto insurance, but all that is required is liability coverage. You can easily get quotes from the cheapest companies for volunteers like Geico.
The table below shows the minimum liability auto insurance requirements in each state.
Liability Auto Insurance Coverage Requirements by State
State Bodily Injury Liability
(Per Person)
Bodily Injury Liability
(Per Accident)Property Damage Liability
Alabama $25,000 $50,000 $25,000
Alaska $50,000 $100,000 $25,000
Arizona $25,000 $50,000 $15,000
Arkansas $25,000 $50,000 $25,000
California $15,000 $30,000 $5,000
Colorado $25,000 $50,000 $15,000
Connecticut $25,000 $50,000 $25,000
Delaware $25,000 $50,000 $10,000
Florida $10,000 (PIP only) N/A $10,000
Georgia $25,000 $50,000 $25,000
Hawaii $20,000 $40,000 $10,000
Idaho $25,000 $50,000 $15,000
Illinois $25,000 $50,000 $20,000
Indiana $25,000 $50,000 $25,000
Iowa $20,000 $40,000 $15,000
Kansas $25,000 $50,000 $25,000
Kentucky $25,000 $50,000 $25,000
Louisiana $15,000 $30,000 $25,000
Maine $50,000 $100,000 $25,000
Maryland $30,000 $60,000 $15,000
Massachusetts $20,000 $40,000 $5,000
Michigan $50,000 $100,000 $10,000
Minnesota $30,000 $60,000 $10,000
Mississippi $25,000 $50,000 $25,000
Missouri $25,000 $50,000 $25,000
Montana $25,000 $50,000 $20,000
Nebraska $25,000 $50,000 $25,000
Nevada $25,000 $50,000 $20,000
New Hampshire* $25,000 $50,000 $25,000
New Jersey $15,000 $30,000 $5,000
New Mexico $25,000 $50,000 $10,000
New York $25,000 $50,000 $10,000
North Carolina $30,000 $60,000 $25,000
North Dakota $25,000 $50,000 $25,000
Ohio $25,000 $50,000 $25,000
Oklahoma $25,000 $50,000 $25,000
Oregon $25,000 $50,000 $20,000
Pennsylvania $15,000 $30,000 $5,000
Rhode Island $25,000 $50,000 $25,000
South Carolina $25,000 $50,000 $25,000
South Dakota $25,000 $50,000 $25,000
Tennessee $25,000 $50,000 $15,000
Texas $30,000 $60,000 $25,000
Utah $25,000 $65,000 $15,000
Vermont $25,000 $50,000 $10,000
Virginia $30,000 $60,000 $20,000
Washington $25,000 $50,000 $10,000
West Virginia $25,000 $50,000 $25,000
Wisconsin $25,000 $50,000 $10,000
Wyoming $25,000 $50,000 $20,000
As you can see, while all states require bodily injury liability insurance and property damage coverage, some states require additional coverage such as:
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist
It will depend on where you live as to how much insurance coverage you’re required to have.
Full Insurance Coverage for Volunteers
If you drive a lot as a volunteer or in general, you should consider purchasing more than just liability insurance for volunteers.
While liability insurance is much cheaper than other coverage options, it usually does not offer the protection volunteers need for themselves or their vehicles. Instead, volunteers may want a full coverage policy, including both collision and comprehensive coverage.Brandon Frady Licensed Insurance Agent
The table below shows the average rates in each state based on coverage type.
Auto Insurance Monthly Rates by State & Coverage Level
State Minimum Coverage Full Coverage
Alabama $33 $72
Alaska $45 $86
Arizona $42 $81
Arkansas $33 $76
California $41 $82
Colorado $43 $82
Connecticut $54 $96
Delaware $67 $103
Florida $71 $105
Georgia $46 $87
Hawaii $38 $73
Idaho $29 $57
Illinois $37 $74
Indiana $32 $63
Iowa $25 $59
Kansas $30 $72
Kentucky $44 $78
Louisiana $65 $117
Maine $28 $59
Maryland $51 $93
Massachusetts $51 $94
Michigan $66 $114
Minnesota $38 $73
Mississippi $38 $83
Missouri $35 $73
Montana $32 $72
Nebraska $30 $69
Nevada $57 $92
New Hampshire $33 $68
New Jersey $72 $115
New Mexico $41 $78
New York $67 $113
North Carolina $30 $66
North Dakota $25 $64
Ohio $33 $66
Oklahoma $38 $84
Oregon $49 $75
Pennsylvania $42 $81
Rhode Island $63 $109
South Carolina $44 $81
South Dakota $25 $64
Tennessee $34 $73
Texas $44 $92
Utah $41 $73
Vermont $29 $64
Virginia $35 $70
Washington $50 $81
Washington, D.C. $52 $111
West Virginia $41 $85
Wisconsin $31 $61
Wyoming $27 $71
U.S. Average $45 $84
While full coverage can double your insurance rates, the coverage ensures you and your vehicle are protected in virtually all circumstances.
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How to Save on Volunteer Car Insurance
One of the best ways to save is to shop for auto insurance discounts. The top companies we covered offer several great discounts that volunteers can take advantage of.
Good driving programs can help drivers save significantly, as well as being a safe driver in general.
Car Insurance for Volunteers: The Bottom Line
You must have proper auto insurance if you own and drive a vehicle. Volunteering does not change any auto insurance requirements, but it may make you more likely to purchase a full coverage policy to ensure you and your vehicle are covered.
Depending on your volunteer organization, you may have additional coverage under the company’s non-owned or hired car insurance policy.
To find cheap volunteer auto insurance today, enter your ZIP code into our free quote tool.
Frequently Asked Questions
Do volunteers need auto insurance?
Yes, volunteers may need auto insurance coverage if they use their personal vehicles for volunteer activities. Standard personal auto insurance policies typically do not cover accidents or incidents that occur while using the vehicle for volunteering. It’s important for volunteers to discuss their activities with their insurance provider to determine if additional coverage is needed.
Can volunteers be covered under their personal auto insurance policy while volunteering?
Personal auto insurance policies generally provide coverage for personal use of the vehicle, but they may not extend coverage for volunteer activities. It’s essential for volunteers to review their policy carefully and contact their insurance provider to understand the limitations and determine if additional coverage is necessary.
What type of auto insurance coverage do volunteers need?
The type of auto insurance coverage needed for volunteers can vary depending on the organization and activities involved. In some cases, volunteers may need non-owned auto insurance coverage, which provides liability protection when driving a vehicle that is not owned by the insured. It’s recommended to discuss the specific volunteer activities with an insurance professional to determine the appropriate coverage.
Are volunteers covered under the organization’s insurance policy?
Some organizations may have insurance policies that provide coverage for volunteers. It’s important for volunteers to inquire with the organization about their insurance coverage and understand the extent of protection it offers. However, it’s still advisable for volunteers to have their own auto insurance coverage to ensure adequate protection.
Can volunteers get special auto insurance rates or discounts?
Some insurance companies offer special rates or discounts for volunteers, recognizing their service to the community. It’s recommended for volunteers to inquire with insurance providers and mention their volunteer activities to explore available discounts or benefits. Additionally, certain volunteer organizations or associations may have partnerships with insurance companies that offer discounted rates to their members.
Can volunteers purchase short-term auto insurance for specific volunteer activities?
Yes, volunteers may be able to purchase short-term auto insurance for specific volunteer activities. Short-term or temporary auto insurance policies provide coverage for a limited duration, such as a single day or a few weeks. This can be a suitable option for volunteers who engage in volunteer activities sporadically and want coverage only for those specific periods.
How can volunteers ensure they have adequate auto insurance coverage?
To ensure adequate auto insurance coverage, volunteers should consider the following steps:
- Review personal auto insurance policy: Understand the limitations of the current policy and discuss volunteer activities with the insurance provider.
- Inquire with the organization: Determine if the organization provides any insurance coverage for volunteers and what it includes.
- Consider non-owned auto insurance: If personal auto insurance does not cover volunteer activities, explore obtaining non-owned auto insurance to protect against liability.
- Discuss with an insurance professional: Consult with an insurance professional who can assess specific needs and recommend appropriate coverage options.
Should volunteers inform their insurance provider about their volunteer activities?
Yes, it’s crucial for volunteers to inform their insurance provider about their volunteer activities. Providing accurate information allows the insurance company to assess the risk associated with the activities and determine if additional coverage is required. Failing to disclose relevant information could result in the denial of a claim.
Does voluntary work affect car insurance?
The only way volunteer work may affect your car insurance rates is if you are driving long distances to volunteer, in which case your higher mileage may raise rates.
Do volunteers need business car insurance?
No, volunteers do not need business car insurance as they are volunteering, not working for an organization.
Do volunteer organizations offer car insurance?
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