State Farm is generally considered to be the most affordable and reliable car insurance option available. According to various sources, State Farm offers the cheapest large auto insurance rates for good drivers, as well as the cheapest rates for drivers with a speeding ticket on their records. Additionally, State Farm is often ranked as one of the best car insurance companies overall, with high ratings for customer satisfaction and claims handling. Other companies that are often mentioned as offering affordable car insurance rates include Geico, USAA, and Travelers. However, it's important to note that the best and most affordable car insurance option can vary depending on individual factors such as driving history, location, and the type of coverage needed. Therefore, it's always a good idea to comparison shop and get quotes from multiple insurance companies to find the best option for your specific needs.