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.
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I was hopeful about going with Travelers. My cousin oversees the building of large hotels (the W and Virgin in Nashville) and told me that is who he had used commercially. But after having roof damage from a storm, I have had a really bad experience. From the very first person I dealt with, it became quickly clear from my first dealings and was confirmed throughout the process, is how little they care about the people they insure and how they truly want to pay as little as possible. While my neighbors were having positive experiences with their insurance companies after the storm, mine has been terrible. I would highly recommend staying far away from Travelers Insurance and going with literally anyone else but them. —Jason McAnally
AAA is only good if you never have to use them. My daughter was borrowing my car and got hit by a hit-and-run driver who left the scene. AAA would not pay for damages on my car because she was not on the policy and I didn't have full coverage on my car I did have uninsured motorists but they still would not pay the claim so I have a wrecked car and now AAA is canceling my insurance What a waste of time and money. We reported to insurance board and still nothing was done. I'm going back to allstate, atleast they pay claims.
The quote they gave me was not the correct price. it turned out to be twice the amount they said. Plus the agency is in California 1500 miles away and I received bad customer service.
Horrible, we are DRIV3 Rentals a Car Rental Company in Los Angeles California. One of our clients purchased a Bonzah policy to rent a vehicle from us. An accident occurred where there has been significant damage to our 2021 BMW M4, we proceeded to file a claim with Bonzah. Let me just say the way this company handles claims is from the stone age. They do not contact you anywhere except emails. Our company has been in a 100+ email chain with Paul and Art from Bonzah for at least a month. They have confused our claim with other claims and at times just simply not responded back at all. We supplied all the necessary information needed for the claim and everything seemed ok. Fast forward to last week out of no where Paul stops answering so we call him over and over until he answers at this point he not once told us this by the way that they pulled the police report and our driver isn't listed, this is false as I immediately went to the LAPD police station and found out the report Paul pulled was filed online from one of the other drivers and not an official report from the officer on the scene, the officer on the scene made a statement in which debunks that whole claim and in fact our driver was the driver. I have never in my 20 years in the auto industry been accused of anything like this furthermore Paul stating that oh we don't know if your driver knows the other driver and they could have planned this. Insane really, Paul stated that if we could get a statement from the officer he would expedite our claim and damages check, Paul, Art and Bonzah has since started to ignore us. They don't answer calls, emails, text messages anything for almost 2 weeks now. How ironic that once we debunk their claim of our client not being the driver they stop responding. Don't use this company, stay far away.
We have been with progressive for 18+ but Have to give a one star with this experience. We hit a big rock on the highway. Randell Fergen repair rep . argued with me; claimed I was off roading in my car, which I have never done . Randell told me “this was not an isolated incident”. Because my other wheels had scratches according to him. The auto shop they picked and Randell told me it the wheel just needs a balance . Randell quoted me the price I would have to pay for the balance. I took the car to Discount Tire since the balance is covered. Discount told me “the wheel is bend badly” We called back to the rep Kiera Washington to update her and ask for a new repair rep. She said she could not and when I asked to speak to her supervisor she said “ I’m not dealing with you” and hung up on me ????