Here Is How You Can Find The Cheapest Insurer In Your State
Every single state in the continental United States requires drivers to insure the vehicles they plan to drive on public roadways. That means unless it’s a collector’s car sitting in your garage and being driven on private tracks, having car insurance is the law .
That being said, though, every state has its own unique laws and mandates about the minimum amount of liability car insurance coverage you must carry. All licensed insurance companies and agents within the state must adhere to these guidelines and sell you a policy that meets the cheap state minimum car insurance. However, they usually tend to over-quote you and over-sell you on extra coverage if you give them the chance to work their sales “magic” on you...
Do you think you’re overpaying for your auto insurance? Are the details of your insurance policy murky, mysterious or just unclear to you? Do you want to find the states with the lowest car insurance rates? If so, then this is the guide you need! In this article, we’ll explain how to find the cheapest insurance in your state so that you can get a better policy and start saving money as soon as tomorrow!
Let’s take a look.
Please find the states with cheapest average full coverage car insurance rates below.
| State | Full Coverage per month | Full Coverage per year |
|---|---|---|
| Alabama | $142 | $1,700 |
| Alaska | $129 | $1,550 |
| Arizona | $150 | $1,800 |
| Arkansas | $146 | $1,750 |
| California | $142 | $1,700 |
| Colorado | $163 | $1,950 |
| Connecticut | $171 | $2,050 |
| DC | $183 | $2,200 |
| Delaware | $158 | $1,900 |
| Florida | $179 | $2,150 |
| Georgia | $154 | $1,850 |
| Hawaii | $133 | $1,600 |
| Idaho | $108 | $1,300 |
| Illinois | $129 | $1,550 |
| Indiana | $104 | $1,250 |
| Iowa | $113 | $1,350 |
| Kansas | $142 | $1,700 |
| Kentucky | $196 | $2,350 |
| Louisiana | $217 | $2,600 |
| Maine | $92 | $1,100 |
| Maryland | $150 | $1,800 |
| Massachusetts | $121 | $1,450 |
| Michigan | $263 | $3,150 |
| Minnesota | $133 | $1,600 |
| Mississippi | $142 | $1,700 |
| Missouri | $150 | $1,800 |
| Montana | $163 | $1,950 |
| Nebraska | $125 | $1,500 |
| Nevada | $200 | $2,400 |
| New Hampshire | $92 | $1,100 |
| New Jersey | $167 | $2,000 |
| New Mexico | $133 | $1,600 |
| New York | $171 | $2,050 |
| North Carolina | $119 | $1,425 |
| North Dakota | $133 | $1,600 |
| Ohio | $100 | $1,200 |
| Oklahoma | $150 | $1,800 |
| Oregon | $125 | $1,500 |
| Pennsylvania | $142 | $1,700 |
| Rhode Island | $171 | $2,050 |
| South Carolina | $138 | $1,650 |
| South Dakota | $138 | $1,650 |
| Tennessee | $125 | $1,500 |
| Texas | $150 | $1,800 |
| Utah | $125 | $1,500 |
| Vermont | $117 | $1,400 |
| Virginia | $100 | $1,200 |
| Washington | $133 | $1,600 |
| West Virginia | $138 | $1,650 |
| Wisconsin | $113 | $1,350 |
| Wyoming | $150 | $1,800 |
Also Read: Our Grand Car Insurance Quotes Guide
Please find the average minimum liability car insurance rates by state below. The states with the cheapest and most expensive minimum liability car insurance rates are bolded and underlined.
| State | Minimum Liability Insurance Quote Per Year |
|---|---|
| Alabama | $600 |
| Alaska | $450 |
| Arizona | $513 |
| Arkansas | $501 |
| California | $574 |
| Colorado | $553 |
| Connecticut | $821 |
| DC | $623 |
| Delaware | $843 |
| Florida | $828 |
| Georgia | $684 |
| Hawaii | $485 |
| Idaho | $606 |
| Illinois | $878 |
| Indiana | $498 |
| Iowa | $357 |
| Kansas | $654 |
| Kentucky | $1062 |
| Louisiana | $971 |
| Maine | $416 |
| Maryland | $853 |
| Massachusetts | $484 |
| Michigan | $1,855 |
| Minnesota | $472 |
| Mississippi | $603 |
| Missouri | $432 |
| Montana | $381 |
| Nebraska | $599 |
| Nevada | $722 |
| New Hampshire | $492 |
| New Jersey | $644 |
| New Mexico | $609 |
| New York | $887 |
| North Carolina | $351 |
| North Dakota | $528 |
| Ohio | $429 |
| Oklahoma | $418 |
| Oregon | $639 |
| Pennsylvania | $502 |
| Rhode Island | $808 |
| South Carolina | $596 |
| South Dakota | $281 |
| Tennessee | $408 |
| Texas | $538 |
| Utah | $502 |
| Vermont | $552 |
| Virginia | $385 |
| Washington | $662 |
| West Virginia | $604 |
| Wisconsin | $364 |
| Wyoming | $485 |
The reason why there’s so much variance in insurance costs from one state to another is due to the number of accidents and insurance claims given out by insurers across the state. For instance, Maine, Montana, and Wisconsin have some of the country’s lowest insurance minimums. In order to purchase the state-mandated minimum, the average driver will pay less than $350 per year for their auto insurance!
However, if you live in states like Michigan, New York, or Florida, you’ll pay an average of $900 to $1,200 per year just for the minimum requirements. Keep in mind that this is for basic liability, not full coverage policies.
Suppose you’re financing or leasing your vehicle. In that case, there’s a strong possibility that your bank or lender will require you to maintain a full coverage policy until you’ve finished paying the vehicle off! If you look at the state-by-state chart provided in the link above, you’ll see that full coverage rates are anywhere from double to triple what you would pay for basic liability insurance.
Now that we’ve got some of the basic information out of the way, we’re going to show you how to find the cheapest car insurance rates in your state!
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Before you start comparing quotes from the best and cheapest car insurance companies, your first step should always be to do your research. Insurance agents will often do their best to sell you on a policy that provides more coverage than you need, as their commission rely on the total amount of the sale in most cases. The more informed you are about the laws regarding the minimum insurance requirements in your state, the better you’ll be able to negotiate a good deal with the insurance provider. You’ll also be able to tell whether or not the agent or provider you’re working with has your best interests in mind or if they’re just trying to get the highest commission out of the deal.
No matter what state you live in, one of the easiest ways to save money on your existing policy or be eligible for a better deal while shopping for a new policy is to take a defensive driving course. Now, you’ll want to make sure that you take an accredited course that’s nationally recognized.
These may cost a little bit of money upfront, but many drivers can save up to 10% or more. Some insurers also offer their own accredited defensive driving courses that you can apply for and take for a small fee. In order to encourage more drivers to apply for these programs, some states have placed a cap on how much programs can charge. For instance, Georgia requires all courses to charge less than $95.
The courses are typically completed virtually and involve going through some reading material, watching educational videos, and then taking a knowledge test in order to receive your certificate.
The simplest way to find the cheapest insurance in your state is usually to compare car insurance quotes. Your quotes and price points can change every year, depending on a number of factors , including:
Your credit score.
Driving record.
Value of the vehicle.
Your annual mileage.
Whether you added or removed a teen driver to your policy.
And more!
This means that the quote you received last year won’t necessarily be the same quote that you got this year, even if you’re talking to the same company. The easiest way is to call your existing insurer and ask about ways that you can reduce your premiums. If they’re not willing to budge, then start calling the competitors and asking for quotes. They’re usually more than happy to match or beat the insurer you’re currently dealing with.
If you prefer to avoid phone calls, then you can always use an online quote generator. Simply enter some basic info about your vehicle, desired insurance, current rate, and contact information. You’ll have a number of offers within a day or two.
One way that you can decrease your monthly payments is to increase your deductible. This is the amount that you’re required to pay out of pocket before the insurer steps in and covers the rest. The more you’re willing to pay out of pocket in the event of an accident, the less the insurer will charge you for premium costs.
Some modern insurers have introduced apps that you can download on your smartphone that track your driving habits . While they may seem a bit invasive to some, they can actually help you save a good bit of money on your premiums. You can also share the app’s data with other perspective insurance agencies to generate a more accurate quote!
Last but not least, don’t be afraid to switch insurance companies. There is a long list of insurers, and they’re all competing for your business. Suppose your current insurer is unwilling to change your current premiums. In that case, you can usually cancel your policy at no personal cost and switch to another insurance provider the same day! Canceling your policy and switching to a new policy can usually be done in less than an hour of time with a couple of phone calls or can be done completely online.
Get all the best quotes from leading providers in a click of a button!
I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
Total scam. Beware. They use drive easy app to bat and switch.
Geico has the worst customer service! They changed my policy without my authorization and doubled my monthly payments in error!
Terrible company when it comes to honor their liability for other automobilists. Their driver crossed right light, destroyed my vehicle and liberty mutual denied my claim. First, for months they did not respond our emails. Than I called and their agent Danelle Bechard asked me to email her the details of the accident. another two months passed and again, no response from her. I called again and she was like, let me check your email and said, your claim is denied. She decided in few seconds after checking my email. In fact she never read my emails, just wanted to give me false hope. They could do investigation, they could read my emails, they could go through pictures but hey had already decided to deny my claim. They knew that I do not have a camera in my car or any witness. I am an Uber driver, I lost my car, and my job because of this accident. I had to borrow money from friends to purchase another car and I still owe money. Just because I cannot prove it, does not mean it did not happen. I could not do anything so just writing this review.
THE WORST INSURANCE COMPANY IN THE WORLD. Had the for 5 years, cost doubled neve had a claim of ticket, no service dept. They keep changing my policy without my approval. AND paid payment on line. They took a extra $4000 . Took a year to get them to admit there wrong. Customer service is like talking to 4 year old. I wouldn't trust this company with a dime. Now have a good HONEST company thats $489 cheaper on my auto policy alone. NEVER trust aaa..
Not all those who wander are lost.
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