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Car insurance premiums depend on many common factors like a vehicle’s make and model, drivers’ safety records, drivers’ sex, credit scores, drivers’ neighborhood, vehicle usage conditions and years of driving experience. Insurance companies use these factors to determine the cost of insurance and calculate risks. The greater the risk the more insurance will cost.
However, each insurance company has its own way to evaluate these factors and the risk. One company may think you are a big risk and another might not. So, it is important to do a comparison shop. EINSURANCE is always your first step to cheap car insurance because we provide you with multiple quotes to compare at one time to help you make your decision.
Also, you could save big if you look for insurance companies’ discounts. For example, most drivers see their insurance premiums go down after they reach 25 years old. Companies give good student discounts if the student has a good grade point average. Ask the company representative directly if you qualify for any discounts.
You can also increase your deductible and save money. The amount of your deductible plays a big part in determining the amount of your insurance premium. You will pay less each month by opting for a larger deductible. If you have a few bucks in the bank and are a good driver, this is a real option. The difference between a $500 deductible and a $1500 deductible is significant.
How to Get Cheap Car Insurance Coverage?
- Check Out If You Own or Rent Your House.
- Check Your Credit Score Using Transunion or Experian.
- Bundle Your Auto and Home Insurance.
- Review Your Car Insurance Policy Periodically. Learn More.
- Find Insurance Company’s Discounts, like low mileage discount, group connection discount, young driver discount, etc.
- New Zip Code, New Saving Opportunity if You Move.
- Raise Your Deductible. Learn More.
- Buy the Right Type of Car.
- Avoid Tickets and Accidents. Clean You Driver Record.
- Shop Around here.
Average Cost of Car Insurance By State
Based on a research study conducted by ValuePenguin, Americans spent $64 a month , or $767 for an annual rate, on a minimum-coverage car insurance premiums in 2024. Also, the average cost of car insurance has generally increased in the last few years. Here are the top 10 most expensive car insurance premium states for liability only coverage:
| State | Monthly Car Insurance Rate | Annual Car Insurance Rate |
| 1. Michigan | $154 | $1,848 |
| 2. Nevada | $114 | $1,368 |
| 3. Delaware | $107 | $1,284 |
| 4. Florida | $101 | $1,212 |
| 5. Rhode Island | $101 | $1,212 |
| 6. Kentucky | $99 | $1,188 |
| 7. New Jersey | $92 | $1,104 |
| 8. Connecticut | $91 | $1,092 |
| 9. Maryland | $91 | $1,092 |
| 10. Oregon | $91 | $1,092 |
Source: ValuePenguin
Here are the top 10 cheapest car insurance premium states:
| State | Monthly Car Insurance Rate | Annual Car Insurance Rate |
| 1. South Dakota | $29 | $348 |
| 2. Wyoming | $31 | $372 |
| 3. Idaho | $34 | $408 |
| 4. Vermont | $35 | $420 |
| 5. Iowa | $37 | $444 |
| 6. Nebraska | $39 | $468 |
| 7. Maine | $42 | $504 |
| 8. Tennessee | $42 | $504 |
| 9. Wisconsin | $42 | $504 |
| 10. North Dakota | $43 | $516 |
Source: ValuePenguin
If you don’t find your state’s statistics, please check here to find your state’s average car insurance cost to give you an idea of how much you should pay when applying for car insurance quotes or switching to a new car insurance carrier.
Find out more cheap car insurance state laws, requirements and guidelines here.
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