Let’s be honest: a lot of factors can work against you when it comes to securing a cheap car insurance policy.

Your location, your driving record, and even your age can pose risks to insurance providers, meaning you’re going to see rate hikes. But cheap car insurance quotes aren’t impossible to find if you know where to look.

Insurify has compiled the stats on the best and most affordable car insurance quotes in the nation, broken down by location, company, driving factors, and even demographic variables.

Your wallet is about to get a whole lot happier.

Score savings on car insurance with Insurify

Compare Quotes

Table of Contents

Cheapest car insurance quotes by state

According to Insurify’s official research, here are the cheapest car insurance quotes that drivers can secure in each U.S. state:

State Monthly Quote Insurance Company
Alabama $26 Auto-Owners
Alaska $27 USAA
Arizona $33 Auto-Owners
Arkansas $26 USAA
California $49 Progressive
Colorado $29 USAA
Connecticut $54 Travelers
Delaware $22 USAA
District of Columbia $46 Erie
Florida $42 USAA
Georgia $41 Georgia Farm Bureau
Hawaii $26 GEICO
Idaho $17 USAA
Illinois $31 Pekin
Indiana $20 Buckeye Insurance
Iowa $16 Western National
Kansas $22 USAA
Kentucky $36 USAA
Louisiana $68 USAA
Maine $22 Concord
Maryland $53 Erie
Massachusetts $32 State Farm
Michigan $29 Metropolitan
Minnesota $37 North Star
Mississippi $23 Direct Auto
Missouri $22 USAA
Montana $19 USAA
Nebraska $16 American National
Nevada $59 USAA
New Hampshire $21 USAA
New Jersey $30 New Jersey Manufacturers
New Mexico $23 USAA
New York $51 Preferred Mutual
North Carolina $32 Progressive
North Dakota $16 American Family
Ohio $22 Erie
Oklahoma $36 Oklahoma Farmers Union
Oregon $39 Grange
Pennsylvania $23 USAA
Rhode Island $35 State Farm
South Carolina $33 USAA
South Dakota $14 Buckeye Insurance
Tennessee $25 Tennessee Farmers
Texas $35 Allstate
Utah $30 Bear River
Vermont $20 USAA
Virginia $24 GEICO
Washington $30 USAA
West Virginia $23 Erie
Wisconsin $22 Erie
Wyoming $14 Grange

 

Average car insurance quotes by state

The average American driver isn’t going to be able to secure the cheapest car insurance rate. After all, not all drivers have a sterling record or are willing to pay only for state minimum liability insurance.

State Monthly Quote
Alabama $51
Alaska $36
Arizona $67
Arkansas $51
California $86
Colorado $60
Connecticut $91
Delaware $85
District of Columbia $75
Florida $130
Georgia $72
Hawaii $55
Idaho $41
Illinois $58
Indiana $38
Iowa $32
Kansas $52
Kentucky $105
Louisiana $115
Maine $42
Maryland $82
Massachusetts $73
Michigan $225
Minnesota $83
Mississippi $52
Missouri $62
Montana $49
Nebraska $41
Nevada $101
New Hampshire $42
New Jersey $109
New Mexico $57
New York $94
North Carolina $57
North Dakota $37
Ohio $43
Oklahoma $58
Oregon $76
Pennsylvania $49
Rhode Island $114
South Carolina $61
South Dakota $28
Tennessee $52
Texas $66
Utah $80
Vermont $37
Virginia $46
Washington $58
West Virginia $50
Wisconsin $43
Wyoming $28

As of 2019, Wyoming is the state with the lowest average car insurance rates, with $28 being the typical monthly premium. 

Michigan is the real standout here—Michigan drivers can expect an average car insurance quote around $225 a month.

But that doesn’t mean affordable auto insurance can’t be found wherever you live. Remember, Insurify can secure you a cheap quote, no matter your background, driver profile, or insurance needs.

Cheapest car insurance quotes from the top 4 insurance companies

Of the four largest auto insurance companies in America (State Farm, GEICO, Progressive, and Allstate), State Farm boasts the overall cheapest rates in the most states. That doesn’t necessarily mean you’ll find the cheapest rate with State Farm or another one of these industry behemoths, though. Smaller or more regional companies might be more willing to quote you a lower rate, depending on your location and driver profile.

Click on your state of residence below to learn more about how to find the cheapest car insurance quotes in your area:

Alabama Alaska Arizona Arkansas California
Colorado Connecticut Delaware Florida Georgia
Hawaii Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maine Maryland
Massachusetts Michigan Minnesota Mississippi Missouri
Montana Nebraska Nevada New Hampshire New Jersey
New Mexico New York North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont
Virginia Washington West Virginia Wisconsin Wyoming
Washington, D.C.

How does my driving impact my car insurance rates?

Better driving will typically lead to cheaper car insurance rates. This is the rule of thumb through which insurance companies assess drivers’ risk profiles. Your driving history is the most accurate indication of whether or not you’re likely to file a claim…and insurance providers don’t want to shell out big bucks if they can help it.

How can you manage to find a cheap auto insurance policy even if your driving record isn’t spotless? It’s possible.

Cheapest Car Insurance for Drivers with a Speeding Ticket

It’s true; insurance providers are more likely to cover drivers with clean driving records. While we’d all like to have a spotless reputation on the road, our expectations don’t always match reality.

So you got pulled over for going 55 in a 35. Okay, it happens. Virtually all insurance companies will cover drivers who have a few speeding violations in the near past. Remember, a speeding ticket from over seven years ago will be virtually scrubbed from your insurance record, and your rates will gradually go down as you continue careful and safe driving in the years to come.

Still, here are the cheapest car insurance quotes you could still secure with a speeding ticket to your name:

State Monthly Quote Insurance Company
Alabama $32 USAA
Alaska $27 Umiliak Insurance
Arizona $48 COUNTRY Financial
Arkansas $30 USAA
California $57 USAA
Colorado $31 Acuity
Connecticut $64 State Farm
Delaware $26 USAA
District of Columbia $46 Erie
Florida $46 USAA
Georgia $45 Georgia Farm Bureau
Hawaii $29 GEICO
Idaho $20 USAA
Illinois $34 Erie
Indiana $20 Buckeye Insurance
Iowa $16 Western National
Kansas $23 USAA
Kentucky $38 Kentucky Farm Bureau
Louisiana $75 Southern Farm Bureau
Maine $24 Concord
Maryland $53 Erie
Massachusetts $36 State Farm
Michigan $35 Metropolitan
Minnesota $43 Western National
Mississippi $26 Direct Auto
Missouri $26 USAA
Montana $24 USAA
Nebraska $19 American National
Nevada $67 USAA
New Hampshire $24 USAA
New Jersey $37 New Jersey Manufacturers
New Mexico $29 USAA
New York $57 USAA
North Carolina $44 Titan
North Dakota $21 American Family
Ohio $22 Erie
Oklahoma $42 State Farm
Oregon $45 Grange
Pennsylvania $24 Erie
Rhode Island $35 State Farm
South Carolina $41 USAA
South Dakota $15 Buckeye Insurance
Tennessee $25 Tennessee Farmers
Texas $35 Allstate
Utah $30 Bear River
Vermont $22 USAA
Virginia $24 GEICO
Washington $35 USAA
West Virginia $23 Erie
Wisconsin $22 Erie
Wyoming $14 Grange

Cheapest Car Insurance for Drivers with an At-Fault Accident

Drivers with an at-fault accident from the past seven years on their record will likely see a spike in their insurance premiums. However, the severity of that price increase will diminish over time until the incident is virtually expunged from your insurance record. Even if you’ve made a claim for an accident that wasn’t your fault, certain insurance companies might weigh your risk a little bit heavier next time they’re calculating your auto insurance rates.

State Monthly Quote Insurance Company
Alabama $36 Auto-Owners
Alaska $27 Umialik Insurance
Arizona $33 Auto-Owners
Arkansas $37 USAA
California $62 Progressive
Colorado $32 Acuity
Connecticut $61 Travelers
Delaware $22 USAA
District of Columbia $60 Erie
Florida $56 USAA
Georgia $45 Georgia Farm Bureau
Hawaii $26 GEICO
Idaho $24 American National
Illinois $41 Pekin Insurance
Indiana $24 Buckeye Insurance
Iowa $16 Western National
Kansas $31 USAA
Kentucky $53 Kentucky Farm Bureau
Louisiana $82 Southern Farm Bureau
Maine $28 Concord
Maryland $70 USAA
Massachusetts $51 State Farm
Michigan $40 Hastings Mutual
Minnesota $43 Western National
Mississippi $34 Direct Auto
Missouri $31 USAA
Montana $26 USAA
Nebraska $20 EMC Insurance
Nevada $80 USAA
New Hampshire $29 USAA
New Jersey $30 New Jersey Manufacturers
New Mexico $36 USAA
New York $53 USAA
North Carolina $56 North Carolina Farm Bureau
North Dakota $23 USAA
Ohio $28 Frankenmuth
Oklahoma $36 Oklahoma Farmers Union
Oregon $50 Grange
Pennsylvania $26 Penn National
Rhode Island $48 State Farm
South Carolina $41 GEICO
South Dakota $16 Buckeye Insurance
Tennessee $25 Tennessee Farmers
Texas $35 Texas Farm Bureau
Utah $32 Bear River
Vermont $27 USAA
Virginia $29 GEICO
Washington $45 USAA
West Virginia $29 Erie
Wisconsin $28 Erie
Wyoming $14 Grange

Cheapest Car Insurance for Drivers with a DUI

As you can imagine, car insurance companies won’t always look kindly on drivers with a DUI in their record.

But just because your DUI has led to a license suspension doesn’t mean these companies won’t file an SR-22 on your behalf, or cover you after you no longer need to provide proof of insurance.

The following real quotes were secured by drivers with a DUI on their driving record:

State Monthly Quote Insurance Company
Alabama $55 USAA
Alaska $27 Umialik Insurance
Arizona $60 CSAA
Arkansas $35 State Farm
California $87 Progressive
Colorado $32 Acuity
Connecticut $64 State Farm
Delaware $39 USAA
District of Columbia $73 Erie
Florida $81 USAA
Georgia $65 Alfa
Hawaii $37 GEICO
Idaho $28 State Farm
Illinois $42 State Farm
Indiana $32 State Farm
Iowa $16 Western National
Kansas $34 American Family
Kentucky $49 State Farm
Louisiana $75 Southern Farm Bureau
Maine $31 Countryway Insurance
Maryland $53 Erie
Massachusetts $60 State Farm
Michigan $51 Metropolitan
Minnesota $43 Western National
Mississippi $25 Direct Auto
Missouri $39 Cameron Mutual Group
Montana $29 State Farm
Nebraska $20 EMC Insurance
Nevada $76 State Farm
New Hampshire $38 USAA
New Jersey $37 New Jersey Manufacturers
New Mexico $41 State Farm
New York $83 Progressive
North Carolina $19 Titan
North Dakota $28 Grinnell Mutual
Ohio $37 Erie
Oklahoma $42 State Farm
Oregon $60 State Farm
Pennsylvania $34 USAA
Rhode Island $35 State Farm
South Carolina $51 Auto-Owners
South Dakota $26 State Farm
Tennessee $36 Progressive
Texas $47 Allstate
Utah $30 Bear River
Vermont $36 Concord Group
Virginia $37 State Farm
Washington $44 State Farm
West Virginia $37 Erie
Wisconsin $31 State Farm
Wyoming $14 Grange

If your license has been suspended or revoked as a result of a DUI conviction, insurance companies may be able to file an SR-22 or FR-44 on your behalf, demonstrating your proof of insurance.

How does my identity affect my car insurance rates?

It’s sad but true: there are, indeed, factors beyond your control that will affect how much you shell out in car insurance costs. 

The insurance industry applies complex algorithms to set each drivers’ rates. That means that the demographic features of your driver profile, from your gender to your age to your marital status, can have a slight or profound effect on your car insurance price tag. Hey, at least they don’t discriminate by hair color.

Cheap Car Insurance by Age

While “older driver” doesn’t always mean “safe driver,” teen drivers and young adults are statistically more likely to engage in risky driving behaviors. As a result, insurance companies will likely weigh a more inexperienced driver’s age against them when determining their risk profile.

Here are the cheapest car insurance quotes available to drivers under the age of 40:

State Monthly Quote (Young Driver) Insurance Company
Alabama $32 Auto-Owners
Alaska $31 USAA
Arizona $39 GEICO
Arkansas $28 USAA
California $68 USAA
Colorado $33 USAA
Connecticut $58 State Farm
Delaware $25 USAA
District of Columbia $49 GEICO
Florida $45 USAA
Georgia $47 Georgia Farm Bureau
Hawaii $26 GEICO
Idaho $19 USAA
Illinois $34 Pekin Insurance
Indiana $25 Erie
Iowa $19 USAA
Kansas $25 USAA
Kentucky $39 USAA
Louisiana $75 USAA
Maine $22 USAA
Maryland $59 USAA
Massachusetts $32 State Farm
Michigan $29 Metropolitan
Minnesota $40 USAA
Mississippi $27 Direct Auto
Missouri $25 USAA
Montana $20 USAA
Nebraska $19 American National
Nevada $64 CSAA
New Hampshire $22 USAA
New Jersey $40 New Jersey Manufacturers
New Mexico $25 USAA
New York $58 USAA
North Carolina $44 Utica National
North Dakota $18 American Family
Ohio $26 Erie
Oklahoma $35 State Farm
Oregon $52 General Casualty
Pennsylvania $27 USAA
Rhode Island $35 State Farm
South Carolina $36 American National
South Dakota $18 Buckeye Insurance
Tennessee $29 Tennessee Farmers
Texas $38 Allstate
Utah $35 Bear River
Vermont $22 USAA
Virginia $30 Auto-Owners
Washington $32 USAA
West Virginia $26 Erie
Wisconsin $25 Erie
Wyoming $18 Grange

Meanwhile, older drivers searching for state-minimum rates can technically enjoy these cheap monthly premiums:

State Monthly Quote (Older Driver) Insurance Company
Alabama $40 Allstate
Alaska $43 State Farm
Arizona $54 Hartford
Arkansas $41 State Farm
California $58 USAA
Colorado $50 Grange
Connecticut $60 GEICO
Delaware $30 USAA
District of Columbia $62 Erie
Florida $74 USAA
Georgia $41 Georgia Farm Bureau
Hawaii $26 GEICO
Idaho $25 Grange
Illinois $48 Erie
Indiana $24 Buckeye Insurance
Iowa $28 IMT Insurance Company
Kansas $36 USAA
Kentucky $59 State Farm
Louisiana $80 Allstate
Maine $22 Concord Group
Maryland $57 Erie
Massachusetts $18 State Farm
Michigan $29 Metropolitan
Minnesota $40 North Star
Mississippi $27 Direct Auto
Missouri $32 Missouri Farm Bureau
Montana $33 State Farm
Nebraska $27 American National
Nevada $86 State Farm
New Hampshire $40 GEICO
New Jersey $42 New Jersey Manufacturers
New Mexico $41 USAA
New York $67 Erie
North Carolina $36 Progressive
North Dakota $16 American Family
Ohio $29 Buckeye Insurance Group
Oklahoma $45 Oklahoma Farmers Union
Oregon $51 Grange
Pennsylvania $35 Erie
Rhode Island $37 State Farm
South Carolina $53 American National
South Dakota $16 Buckeye Insurance
Tennessee $32 Tennessee Farmers
Texas $41 Allstate
Utah $30 Bear River
Vermont $33 USAA
Virginia $35 Erie
Washington $53 State Farm
West Virginia $31 Erie
Wisconsin $30 Erie
Wyoming $17 Grange

Cheap Car Insurance by Marital Status

Wedding bells can lead to major savings if newlyweds opt to combine their auto insurance policies and secure sweet marriage discounts.

So, after you cut the wedding cake, combine your auto policies and shop around for multi-car and multi-driver quotes.

Here are the cheapest car insurance quotes, by state, for married drivers:

State Monthly Quote Insurance Company
Alabama $25 USAA
Alaska $24 USAA
Arizona $30 Auto-Owners
Arkansas $23 USAA
California $42 Progressive
Colorado $27 USAA
Connecticut $54 Travelers
Delaware $20 USAA
District of Columbia $43 USAA
Florida $38 USAA
Georgia $41 Georgia Farm Bureau
Hawaii $26 GEICO
Idaho $16 USAA
Illinois $30 Country
Indiana $20 Buckeye Insurance
Iowa $16 Western National
Kansas $19 USAA
Kentucky $32 USAA
Louisiana $61 USAA
Maine $16 Concord
Maryland $52 USAA
Massachusetts $32 State Farm
Michigan $29 Metropolitan
Minnesota $33 USAA
Mississippi $19 Direct Auto
Missouri $20 USAA
Montana $19 USAA
Nebraska $14 American National
Nevada $53 CSAA
New Hampshire $18 Concord
New Jersey $30 New Jersey Manufacturers
New Mexico $21 USAA
New York $48 USAA
North Carolina $29 Progressive
North Dakota $16 American Family
Ohio $22 USAA
Oklahoma $31 Oklahoma Farmers Union
Oregon $39 Grange
Pennsylvania $20 USAA
Rhode Island $35 State Farm
South Carolina $29 USAA
South Dakota $14 Buckeye Insurance
Tennessee $23 Tennessee Farmers
Texas $31 Allstate
Utah $30 Bear River
Vermont $15 Concord
Virginia $24 GEICO
Washington $26 USAA
West Virginia $23 Erie
Wisconsin $21 USAA
Wyoming $14 Grange

How to get the cheapest auto insurance in your area

Car insurance can be a nightmare. Whether you’re overpaying on your current policy or downright confused by the complex terminology, we’re here to help.

You’ve seen that it’s possible to secure cheap car insurance quotes, even without the most stellar driving record. Now, here are some parting tips on how to make sure you’re getting the hands-down cheapest rate possible:

  • Consider whether you really need “full coverage” for your auto policy. While liability coverage is mandatory almost everywhere in the United States and comes as the standard coverage of any auto insurance plan, additional coverage options come with their own price tags. Collision coverage and comprehensive coverage, though the standards of a so-called full coverage car insurance policy, require deductibles and will raise your rates beyond what you’d get for a state minimum policy. Similarly, uninsured motorist coverage is a recommended coverage option for the typical American driver, but not if you’re a low-mileage driver looking to secure the cheapest quotes possible.
  • Secure all the car insurance discounts for which you’re eligible. Good driver discounts, good student discounts, multi-policy discounts, multi-vehicle discounts, military discounts… Dozens of identity factors, affiliations, driving behaviors, and positive choices can qualify you for lower car insurance rates. The more committed you are to staying safe on the road, keeping up an admirable driving record, and giving back to your community, the more likely it is that an insurance company will reward you with substantial rate decreases. Make sure you’ve exhaustively reviewed a company’s discounts before you buy a car insurance policy. Don’t leave money on the table!
  • Purchase anti-theft devices for your car. Shelling out a few bucks for a more advanced car alarm system or more secure auto parts may lead to long-term savings. Companies don’t want to insure vehicles that are not adequately secured, much less those that appear to invite a carjacking. Owning or leasing a car that has up-to-date, built-in safety features might score you some discounts as well.
  • Keep a good credit score, if you can. Though a handful of states are outlawing this practice, the fact remains that insurance companies can factor your credit health into your auto insurance rates. Whether or not your credit history is a significant signal of your risk level is up for debate. But for now, better credit can mean lower rates, as insurance providers will consider your risk level to be smaller.
  • Don’t forget about customer service, claims satisfaction, and other intangibles. The best car insurance companies in America receive high marks from policyholders, not merely because they secure them the cheapest rates. In fact, many of them are not industry-leading in terms of affordability (see above)! They’re the best because they are financially healthy, have excellent customer reviews, and will service your claims in a timely fashion. Sure, Company A might demand a $5 higher rate per month when compared to Company B. But which provider has a better industry and public reputation? Which one has a mobile app that works for you? Which one won’t raise your rates simply for staying loyal, or for getting in your first at-fault accident? If the price is still relatively right, consider going with the company that will turn your car insurance nightmares into sweet dreams.

Finally, there’s one way that you can find the best rates around, lower your insurance costs, and spare yourself a lot of angry phone calls: Insurify.

Insurify offers free and cheap auto insurance quotes to drivers of all stripes. Compare auto insurance quotes from top-ranked national and regional companies, unlock discounts for which you’re eligible, and buy a policy today. No games, no hassle, real quotes.

Methodology

The data scientists at Insurify compiled quoting data from Quadrant Information Services and Insurify’s proprietary database of over real 2 million car insurance quotes, spanning pricing data from 2011 to 2018.

All quotes correspond to state minimum coverage (bodily injury and property damage liability insurance coverage) in their respective states.

Nick Dehn is a writer currently serving as a content specialist for Insurify. A seasoned writer, Nick has produced feature pieces, opinion editorials, and press releases for start-ups, small businesses, and local news publications. He now develops content full-time for Insurify, researching and writing data-driven studies and producing insights on the insurance industry. Nick is an alumnus of Williams College, where he graduated cum laude with a degree in English and Sociology. He hails from Wilton, CT but has recently set roots in Cambridge, MA. Nick enjoys exploring the greater Boston area, making stir-fry, and award-show prognosticating.