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 just had an appalling experience trying to cancel my Mom's AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked company, and nobody should do business with them.
On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering. They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car. Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.
I was shopping for auto insurance on 11th September 2023. Liberty took$8614 out of my bank that same night without my permission. And now they will not return my hard earned money. Every time I call ,they give me sorry excuses. And now they tell me that ,yes we took your money by fraud. Go write your congressman. But we'll give it back to you in 15 days. Meanwhile my bills are piling. Liberty Mutual stole my money. Please avoid Liberty Mutual at every cost.
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.
Not all those who wander are lost.
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