Cheap Car Insurance
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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 the National Association of Insurance Commissioners (NAIC), Americans will spend $175 a month , or $2,101 for an annual rate, on a full coverage car insurance premiums in 2025. 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 a full coverage policy:
| State | Monthly Car Insurance Rate | Annual Car Insurance Rate |
| 1. Nevada | $286 | $3,432 |
| 2. Florida | $272 | $3,264 |
| 3.Michigan | $263 | $3,156 |
| 4. Louisiana | $249 | $2,988 |
| 5. Colorado | $241 | $2,892 |
| 6. Rhode Island | $237 | $2,844 |
| 7. Delaware | $230 | $2,760 |
| 8. Arizona | $218 | $2,616 |
| 9. Oklahoma | $200 | $2,400 |
| 10. New Jersey | $199 | $2,388 |
Source: ValuePenguin
Here are the top 10 cheapest car insurance premium states for a full coverage policy:
| State | Monthly Car Insurance Rate | Annual Car Insurance Rate |
| 1. Maine | $103 | $1,236 |
| 2. New Hampshire | $107 | $1,284 |
| 3.Vermont | $107 | $1,284 |
| 4. Idaho | $111 | $1,332 |
| 5. Ohio | $115 | $1,380 |
| 6. Hawaii | $124 | $1,488 |
| 7. Wyoming | $124 | $1,488 |
| 8. Indiana | $130 | $1,560 |
| 9. Wisconsin | $135 | $1,620 |
| 10. North Carolina | $139 | $1,668 |
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.
Find Cheap Car Insurance State-specific Guidelines
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Frequently Asked Questions (FAQs)
Get clear answers to common insurance questions and important details to guide your coverage decisions.
What is cheap car insurance?
Cheap car insurance refers to policies offering essential coverage at lower premiums by considering factors like vehicle type, driving record, and more.
How can I find cheap car insurance?
Compare quotes from different providers, look for discounts, maintain a good driving record, raise your deductible, and bundle policies.
Why is it important to shop around for car insurance?
Different companies assess risk differently, so shopping around allows you to compare multiple quotes and find the best rate and coverage.
What factors affect car insurance premiums?
Factors include, and are not limited to, vehicle make and model, driver’s safety record, age, credit score, location, vehicle usage, and driving experience.
How often should I review my car insurance policy?
Review your policy annually or with significant life changes to ensure you’re getting the best rate and coverage.
