Cheap Car Insurance Quotes: Compare Online

Your ultimate cheap auto insurance quotes comparison and shopping guide, online and offline.

 

This comprehensive guide will take you through the nooks and crannies of insurance. We’ll provide figures, review the best companies, and provide insightful tips. At the end of the discussion, we’ll also discuss car insurance. 

What is a Car Insurance Quote?

An insurance quote is a document or electronic media that shows how much you’ll pay for your car insurance. An online quote for auto insurance is estimated by taking the following factors into account:

  • Driving history
  • Background
  • Credit score
  • Age
  • Gender
  • Location
  • The vehicle you drive
  • Vehicle usage
  • Coverage type and amount
  • Marital status: married people are proven to be involved in fewer auto accidents than singles, divorced, and widows
  • Homeownership: homeowners pay dramatically less courtesy of auto and home insurance bundle discounts. 

Top 4 Factors That Affect Car Insurance Quotes

Here are the top factors that affect car insurance rates

Age

The younger you are, the more you’ll usually pay. If you’re 20 to 24 years old, you’ll get a quote for auto insurance that is relatively high, but older drivers receive a lower quote.

Driving Record

The cleaner your driving record is (no accidents, traffic tickets, tax liens), the better of a deal you’ll get, and vice versa. 

SR-22 insurance is the most expensive and is given to those with reckless driving charges or who have been previously charged with a DUI.

Type of Vehicle

The more expensive your vehicle is, the higher your insurance will be. Usually, sports cars also tend to be more costly to insure, so a Lamborghini is more expensive to insure than a Honda Civic, Tesla, or Dodge Charger.

City/State You Live In

If you live in a state where accidents aren’t common, you’ll get the cheapest car insurance quotes and vice versa.

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List of States with The Cheapest Car Insurance

The table below shows the states which have the cheapest quotes for car insurance:

Monthly Premiums Lowest Range Monthly Premiums Highest Range Average
Indiana $140 $171 $156
Ohio $154 $189 $172
West Virginia $163 $200 $182
Illinois $169 $206 $188
Alabama $171 $209 $190
Tennessee $172 $211 $192
New Hampshire $174 $214 $194
Vermont $175 $216 $196
Wyoming $171 $209 $190
Maine $172 $210 $191
Idaho $173 $212 $193
Oregon $174 $213 $194
Iowa $176 $218 $197
Pennsylvania $179 $221 $200
Arizona $177 $218 $198
Montana $181 $223 $202
South Dakota $183 $226 $205
Kentucky $185 $230 $208
North Dakota $187 $235 $211
Arkansas $189 $289 $239
North Carolina $190 $295 $243
Virginia $191 $234 $213
Oklahoma $192 $236 $214
Massachusetts $195 $239 $217
Utah $196 $240 $218
Kansas $203 $248 $226
Colorado $210 $260 $235
Rhode Island $215 $263 $239
California $217 $265 $241
Minnesota $228 $279 $254
New Mexico $238 $292 $265
Connecticut $239 $292 $266
Texas $265 $325 $295
Jew Jersey $271 $332 $302
Missouri $274 $335 $305
Washington $275 $336 $306
Delaware $283 $346 $315
Georgia $320 $391 $356
New York $324 $397 $361
South Carolina $370 $452 $411
Maryland $388 $474 $431
Florida $412 $503 $458
Louisiana $416 $509 $463
Nevada $488 $597 $543
Michigan $565 $691 $628
Alaska $752 $919 $836
Nebraska $760 $930 $845
Wisconsin $763 $932 $848
Hawaii $765 $935 $850

 

 

Cost of Minimum Liability Car Insurance Quotes by State

This table shows the cheapest and most expensive states for minimum liability car insurance.

State State Minimum Liability Insurance Quote Per Year 50/100/50 Liability Insurance Quote Per Year 100/300/100 Liability Insurance Quote Per Year
Alabama $783 $900 $1,490
Alaska $676 $692 $1,138
Arizona $740 $969 $1,500
Arkansas $520 $940 $1,662
California $997 $1,268 $2,090
Colorado $920 $983 $2,281
Connecticut $1,118 $1,194 $1,805
District of Columbia $833 $950 $1,148
Delaware $885 $1,045 $1,473
Florida $1,215 $1,672 $2,153
Georgia $1,134 $1,529 $1,780
Hawaii $707 $870 $1,450
Idaho $492 $443 $692
Illinois $734 $838 $1,474
Indiana $514 $560 $938
Iowa $440 $530 $899
Kansas $399 $582 $1,220
Kentucky $1,049 $1,120 $1,694
Louisiana $1,442 $2,135 $2,900
Maine $438 $405 $731
Maryland $1,373 $1,504 $1,772
Massachusetts $1,083 $1,165 $1,830
Michigan $1,610 $1,680 $2,761
Minnesota $890 $892 $1,388
Mississippi $608 $701 $1,287
Missouri $648 $643 $1,119
Montana $649 $760 $1,330
Nebraska $628 $665 $1,230
Nevada $1,008 $1,303 $1,099
New Hampshire $380 $543 $1,048
New Jersey $1,035 $1,263 $1,847
New Mexico $722 $862 $1,410
New York $1,546 $1,658 $2,374
North Carolina $524 $576 $1,041
North Dakota $430 $458 $897
Ohio $575 $627 $1,023
Oklahoma $705 $786 $1,615
Oregon $874 $990 $1,280
Pennsylvania $1,095 $1,490 $2,200
Rhode Island $1,230 $1,389 $2,300
South Carolina $735 $858 $1,360
South Dakota $390 $442 $970
Tennessee $650 $718 $1,174
Texas $600 $1,075 $1,840
Utah $790 $865 $1,765
Vermont $437 $483 $1,085
Virginia $601 $660 $1,095
Washington $1,060 $1,133 $1,868
West Virginia $661 $719 $1,315
Wisconsin $682 $700 $1,130
Wyoming $365 $375 $930

 

Car Insurance Rates Based on The Driver’s Birth Year

Here’s a table showing the cost of car insurance based on the year of your birth; 

Date Born Cost of Car Insurance per Month Cost of Car Insurance per Year
1949 – 1970 $214 $2,568
1980 $225 $2,700
1981 – 1982 $230 $2,760
1983 – 1984 $245 $2,940
1985 $250 $3,000
1986 $255 $3,060
1987 $259 $3,108
1988 $262 $3,144
1989 $268 $3,216
1990 $272 $3,258
1991 – 1992 $274 $3,282
1993 $283 $3,396
1994 $285 $3,414
1995 $296 $3,546
1996 $303 $3,636
1997 $308 $3,690
1998 $331 $3,972
1999 $341 $4,092
2000 $369 $4,422
2001 $409 $4,908
2002 $488 $5,850
2003 $578 $6,930
2004 $712 $8,544
2005 $721 $8,646
2006 – 2010 $723 $8,676

 

Car insurance becomes expensive for younger individuals because young people are said to be reckless drivers. On the other hand, car insurance becomes cheaper as you get older, but this applies if you have a clean record.

Here’s another table showing the insurance premiums based on the driver’s age and accompanying violations:

Monthly Cost of Car Insurance Premiums for a 19-20-Year-Old Diver with Recorded Traffic Violations

Lowest Median Highest
DUI $1,469 $2,059 $2,720
Overspeeding $1,003 $1,348 $1,838
Accident $1,603 $2,421 $3,240

 

Monthly Cost of Car Insurance Premiums for a 21-22-Year-Old Driver with Recorded Traffic Violations

Lowest Median Highest
DUI $1,058 $1,484 $1,960
Overspeeding $724 $973 $1,326
Accident $1,153 $1,744 $2,334

 

Monthly Cost of Car Insurance Premiums for a 23-25-Year-Old Driver with Recorded Traffic Violations

Lowest Median Highest
DUI $807 $1,131 $1,493
Overspeeding $552 $741 $1,009
Accident $878 $1,329 $1,775

 

Monthly Cost of Car Insurance Premiums for a 26-29-Year-Old Driver with Recorded Traffic Violations

Lowest Median Highest
DUI $708 $992 $1,309
Overspeeding $484 $650 $885
Accident $770 $1,164 $1,557

 

Monthly Cost of Car Insurance Premiums for a 30-65-Year-Old Driver with Recorded Traffic Violations

Lowest Median Highest
DUI $623 $873 $1,152
Overspeeding $424 $570 $777
Accident $677 $1,024 $1,370

 

Monthly Cost of Car Insurance Premiums for a 65+-Year-Old Driver with Recorded Traffic Violations

Lowest Median Highest
DUI $671 $1,028 $1,192
Overspeeding $545 $858 $1,318
Accident $676 $1,234 $1,792

 

Full Coverage Car Insurance Quotes by State and Driver Age 

The tables below show the average auto insurance quotes for full coverage car insurance in every state in the U.S. for drivers of different ages. 

 

Full Coverage Insurance Cost for Drivers 26-29

State Full Coverage per month Full Coverage per year
Alabama $95 $1,136
Alaska $110 $1,319
Arizona $82 $986
Arkansas $110 $1,319
California $124 $1,485
Colorado $86 $1,026
Connecticut $125 $1,496
District of Columbia $108 $1,296
Delaware $94 $1,131
Florida $104 $1,249
Georgia $107 $1,286
Hawaii $91 $1,087
Idaho $47 $567
Illinois $105 $1,256
Indiana $64 $772
Iowa $63 $760
Kansas $86 $1,029
Kentucky $113 $1,357
Louisiana $128 $1,537
Maine $54 $645
Maryland $112 $1,345
Massachusetts $123 $1,479
Michigan $204 $2,451
Minnesota $104 $1,243
Mississippi $79 $942
Missouri $87 $1,041
Montana $89 $1,073
Nebraska $90 $1,085
Nevada $98 $1,175
New Hampshire $77 $924
New Jersey $124 $1,493
New Mexico $82 $986
New York $170 $2,038
North Carolina $71 $850
North Dakota $72 $860
Ohio $71 $857
Oklahoma $92 $1,101
Oregon $91 $1,096
Pennsylvania $137 $1,645
Rhode Island $156 $1,873
South Carolina $84 $1,009
South Dakota $69 $833
Tennessee $78 $935
Texas $115 $1,377
Utah $76 $906
Vermont $79 $948
Virginia $79 $947
Washington $114 $1,371
West Virginia $93 $1,111
Wisconsin $82 $985
Wyoming $72 $862

 

Full Coverage Insurance Cost for Drivers 30-65

State Full Coverage per month Full Coverage per year
Alabama $82 $988
Alaska $64 $764
Arizona $73 $876
Arkansas $93 $1,110
California $106 $1,276
Colorado $78 $935
Connecticut $111 $1,334
District of Columbia $96 $1,156
Delaware $89 $1,064
Florida $96 $1,153
Georgia $90 $1,075
Hawaii $89 $1,071
Idaho $41 $490
Illinois $90 $1,080
Indiana $58 $693
Iowa $56 $675
Kansas $74 $890
Kentucky $98 $1,179
Louisiana $114 $1,372
Maine $45 $545
Maryland $110 $1,325
Massachusetts $115 $1,379
Michigan $188 $2,254
Minnesota $93 $1,110
Mississippi $68 $810
Missouri $82 $984
Montana $80 $957
Nebraska $79 $947
Nevada $92 $1,109
New Hampshire $65 $780
New Jersey $109 $1,310
New Mexico $75 $897
New York $305 $3,660
North Carolina $67 $805
North Dakota $63 $750
Ohio $61 $730
Oklahoma $86 $1,030
Oregon $83 $990
Pennsylvania $957 $11,480
Rhode Island $138 $1,659
South Carolina $72 $860
South Dakota $60 $715
Tennessee $67 $800
Texas $96 $1,150
Utah $69 $825
Vermont $68 $820
Virginia $66 $790
Washington $103 $1,230
West Virginia $81 $970
Wisconsin $71 $850
Wyoming $59 $710

 

Full Coverage Insurance Cost for Drivers 65+

State Full Coverage per month Full Coverage per year
Alabama $89 $1,063
Alaska $65 $785
Arizona $71 $848
Arkansas $84 $1,010
California $119 $1,430
Colorado $95 $1,140
Connecticut $126 $1,507
District of Columbia $87 $1,040
Delaware $90 $1,080
Florida $110 $1,314
Georgia $107 $1,280
Hawaii $89 $1,070
Idaho $57 $687
Illinois $96 $1,148
Indiana $58 $690
Iowa $56 $671
Kansas $69 $825
Kentucky $115 $1,375
Louisiana $134 $1,610
Maine $50 $595
Maryland $121 $1,450
Massachusetts $104 $1,245
Michigan $199 $2,390
Minnesota $104 $1,250
Mississippi $72 $869
Missouri $83 $990
Montana $82 $984
Nebraska $80 $960
Nevada $106 $1,274
New Hampshire $72 $863
New Jersey $103 $1,231
New Mexico $74 $882
New York $383 $4,599
North Carolina $65 $780
North Dakota $60 $725
Ohio $66 $790
Oklahoma $85 $1,020
Oregon $93 $1,112
Pennsylvania $117 $1,401
Rhode Island $137 $1,645
South Carolina $79 $950
South Dakota $64 $773
Tennessee $70 $840
Texas $64 $764
Utah $82 $986
Vermont $63 $760
Virginia $71 $855
Washington $105 $1,260
West Virginia $84 $1,005
Wisconsin $77 $920
Wyoming $65 $774

 

Full Coverage Car Insurance Quotes by Age and Gender

Females can get lower car insurance quotes than males since males are considered a higher risk. Below are average full-coverage car insurance quotes per year by age and gender.

Age Male Female
16 $ 6,900 $6,400
17 $ 6,850 $ 6,400
18 $ 6,500 $ 6,750
19 $ 6,000 $ 5,400
20 $5,300 $4,800
21 $4,500 $4,000
22 $4,150 $3,950
23 $3,900 $3,700
24 $3,700 $3,500
25 $3,250 $3,150

 

Cost of Car Insurance By Brand and Model 

Take a look at this table that shows the estimated rates of car insurance quotes for the most popular car brands in the USA:

Brand and Model Cost per Month Cost per Year
Volkswagen Jetta $120 $1,438
Toyota Camry $128 $1,532
Nissan Sentra $197 $2,361
Nissan Altima $130 $1,560
Hyundai Elantra $360 $4,316
Honda Accord $125 $1,500
Ford Focus $143 $1,716
Toyota Corolla $123 $1,473
Lamborghini Aventador $567 $6,800
Lamborghini Huracan $433 $5,200
Lamborghini Murcielago $350 $4,200
Lamborghini Gallardo $350 $4,200
Lamborghini Urus $500 $6,000
Tesla 3 $153 $1,832
Tesla S $246 $2,946
Tesla X $207 $2,481
Tesla Y $230 $2,756
Tesla Roadster $150 $1,800

 

Car Insurance Quotes By Gender: Experienced Drivers

Experienced drivers pay less for auto insurance. Insurers offer them quick auto insurance with lower quotes, saying they are at a lower risk of causing accidents due to their experience. But you must have a good driving history to leverage the lower quotes. 

Please find some typical car insurance quotes by gender for professional drivers across the USA per year.

Gender Average car insurance quote per year
Male $1,548
Female $1,468

 

Aside from gender, it’s also worth knowing the average annual auto insurance quotes based on credit score and marital status. 

Driver Credit Score/Marital Status Average Annual Quote
Good credit $951
Poor Credit $1,671
Married couple $2,032
A married couple with a teenager $2,904

 

Cheapest Car Insurance Quotes: Very Cheap Car Insurance, No Deposit or Low Deposit

Below, you can find a list of cheap car insurance quotes with low deposit/down-payment providers, with an average monthly cost of $100 or less, and our rating of each provider. 

Company Insuranks Rating Average Monthly Quote Best For
USAA 4.75/5 $34 Military families
GEICO 4.5/5 $40 Cheapest car insurance quotes if you’re not in the army
State Farm 4.5/5 $52 Peace of mind
ClearCover 3.8/5 $55 Technology-centric car insurance
Gabi 4/5 $60 Online auto insurance comparison
Progressive 4.8/5 $63 Coverage standards and high-risk drivers
Root 3/5 $65 Low rates: Tech-savvy drivers looking to get rewarded for improving their driving through the app
Mercury 3.9/5 $70 Cheapest rates for basic coverage
NJM 4.5/5 $79 Best car insurance for DUI in NJ, PA, CT, and OH
Costco Ameriprise 3.7/5 $86 Discounts
Erie 4.1/5 $87 New Drivers
Amica 4.5/5 $100 Customer satisfaction
Travelers 4.5/5 $100 Tailored car insurance policies at affordable rates
Freeway 3.7/5 $100 High-risk drivers, Spanish speakers & drivers in need of SR22

 

Look at the national average full coverage and minimum coverage car insurance quotes for some of the most popular car insurance companies in 2022.

Company Full coverage quote per year Full coverage quote per month Minimum coverage quote per year Minimum coverage quote per month
Allstate $1,850 $154 $785 $65
GEICO $1,175 $98 $480 $40
Progressive $1,390 $116 $750 $63
State Farm $1,250 $104 $625 $52
USAA $885 $74 $405 $34

 

How Long Does It Take to Get a Car Insurance Quote?

Getting one car insurance quote shouldn’t take more than 1-2 minutes; sometimes, it depends on the application’s specifications. 

 

Do Car Insurance Quotes Affect Your Credit Score?

Car Insurance quotes do not affect, nor hurt, your credit score. However, every time car insurance companies run your credit report to give you their free quotes, an inquiry is added to your credit report, but it does not affect your score.

Does Your Credit Score Affect Your Car Insurance?

92% of insurers now consider credit when determining auto insurance quotes. If you have an excellent credit score, you will get a lower quote on car insurance than a driver with a bad credit score. 

Car Insurance Quotes Comparisons Tips

  • Dig up more information about car insurance on this website and understand their online reputation.
  • Check on your state’s insurance department to determine the car insurance type mandated by law.
  • Ask for recommendations and referrals from family and friends regarding auto insurance companies and agents.
  • Get insurance quotes from as many different companies as possible. Pay more attention to the details, such as payment options, deductibles, exclusions, discounts, and hidden fees.
  • Shortlist your preferred car insurance providers and verify their legitimacy.
  • Pay your premiums on time. Failure to do so could result in your vehicle insurance coverage lapse.

How To Get The Cheapest Car Insurance Quotes?

Some factors out of your control determine your car insurance cost, like your gender and age. However, you have total control of your credit score, driving record,  mileage, type or brand of car, and the amount of car insurance coverage. 

  • You must research and compare quotes from different car insurance companies to get the cheapest ones.
  • You should also check your credit report and driving record to ensure they’re clean and in good standing. 
  • Also, car insurance rates will increase if you have a costly car. However, your car insurance company could offer discounts or a price reduction for older cars. 
  • Cheap auto insurance quotes help you save on car insurance fees.

What is Car Insurance? 

Car insurance is a contract between you and an auto insurance company. In exchange for a premium, the company covers the potential cost of damages and financial loss resulting from driving and vehicle ownership.

What Does Car Insurance Cover?

Car insurance ensures that drivers only have to pay a small amount out of pocket in the event of an accident. This is known as your deductible. 

Car insurance also ensures that the other driver is covered as well. For example, if you’re found at fault and crash into somebody else, your insurance will pay for their medical bills so that you don’t have to face a lawsuit and pay for their medical bills out of pocket.

Notably, our policy will have liability coverage limits. In auto insurance, this limit is usually broken down into three components:

  • The maximum amount of money the insurance company will spend on your injuries
  • The maximum amount of money the insurance company will spend on people you injure
  • The maximum amount of money the insurance company will spend on property damage

Be sure to know what the liability limits are on your auto insurance plan.

While there are different levels of auto insurance, they are typically broken down into:

  • Basic liability coverage
  • Full coverage

What car insurance covers will depend on whether you bought it as basic liability coverage or full coverage. 

 

Basic Auto Liability Policy

The purpose of a basic liability policy is to cover expenses if you ever caused a vehicular accident and are responsible for the losses or damages sustained by third parties. 

Basic liability insurance typically doesn’t cover your personal costs. It only helps you pay for the losses of damages of third parties. Notably, each state regulates how much each driver should be insured for. 

By the way, a basic auto liability insurance policy for your car can be categorized as bodily injury liability coverage or property damage liability coverage. 

Bodily Injury Liability Coverage

Pays for the other driver’s medical bills and compensation (if you’re at fault).

Property Damage Liability Coverage

Pays to repair the other driver’s vehicle (if you’re at fault).

Full Coverage Policy

Full coverage policies don’t only cover your liability for vehicular accidents. It offers a plethora of coverages for your vehicle, such as:

  • Personal injury protection
  • Medical payments coverage
  • Liability coverage
  • Physical damage coverage
  • Gap insurance
  • Rental coverage
  • Uninsured/underinsured motorist coverage

While they are usually double or triple the cost of a basic liability policy, full coverage policies are worth it because they’re designed to provide all-inclusive protection. 

Here’s a quick explanation of the different full coverage auto insurance types and coverage options

Personal Injury Protection

There are currently twelve “no-fault states” where drivers must pay their medical bills. In these states, drivers must have personal injury protection (PIP) coverage added to their basic liability policy to cover the costs of any injuries sustained in an accident.  

Medical Payments Coverage

If you’re in a non “no-fault” state, then medical payment coverage is what you need to get instead of personal injury protection. Medical payment coverage works the same way as personal injury protection but has a more limited scope. 

Liability coverage

Full coverage includes all the basic liability coverages listed above, as well as coverage for the other driver’s vehicle and medical bills.

Uninsured/Underinsured Driver Coverage

If you get car insurance quotes for this type of cover, you will have your repairs and medical bills taken care of if you’re hit by somebody who doesn’t have insurance or who doesn’t have enough insurance to cover your costs.

Physical Damage Coverage

Physical damage coverage takes care of expenses if your car gets damaged. This can be categorized as collision and comprehensive coverage:

  • Collision physical damage coverage covers expenses if your vehicle incurred damage after colliding with another car or an object. 
  • Comprehensive physical damage coverage covers expenses if the vehicle is damaged by non-collision accidents such as theft, windstorms, vandalism, hail, or fire.

GAP Insurance

If you financed your vehicle and the insurance company declares it a “total loss,GAP insurance pays off the remainder of your auto loan.

Rental Coverage

It covers renting a vehicle if your car is getting repaired or declared a total loss. 

What’s Next?

  • Make a list of your insurance needs.
  • Determine your risk based on the factors we discussed and find free auto insurance quotes online. 
  • Compare a maximum number of quotes, companies, and plans to ensure that you have all of the options and that you only find the best, most affordable, and most reliable car insurance near you that is the most suitable for you and your needs.

To sum up, driving and vehicle ownership can be fun and exciting. However, you will need the best car insurance online to ensure you are covered in accidents. 

 

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