States With The Cheapest Car Insurance

states with the cheapest car insurance
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Having reliable and affordable car insurance can make a huge difference in your financial health. Every year, drivers across the United States are looking for the best car insurance deals. To help you find the best deals, we’ve made a list of states with the cheapest car insurance.

Why Does Car Insurance Cost Vary By State?

Car insurance rates vary by state due to the different types of laws and regulations in each state. For example, states with higher populations tend to have higher car insurance rates due to the increased number of drivers on the road. Some states also have different types of regulations that can affect the cost of car insurance. For example, some states may require higher levels of liability coverage or expensive add-ons like uninsured motorist coverage.

State-by-State Breakdown of Car Insurance Costs

Below is a list of the states with the cheapest car insurance, based on the average annual premium:

  • Ohio: $1,015
  • Maine: $1,065
  • Idaho: $1,085
  • Iowa: $1,095
  • Wisconsin: $1,105
  • Virginia: $1,115
  • South Dakota: $1,125
  • North Dakota: $1,145
  • Utah: $1,155
  • Missouri: $1,165

These states have some of the lowest car insurance rates in the U.S. However, car insurance rates can vary greatly from one state to the next, so it is important to shop around for the best deal.

How to Find Cheap Car Insurance in Your State?

To find the best car insurance rates in your state, the first step is to compare rates from different insurers. It is important to compare rates from multiple insurers to get the best deal. You can also consider raising your deductible or dropping optional coverage such as comprehensive or collision coverage to reduce your car insurance rates. Additionally, you can look for discounts such as safe driver or good student discounts which can help you save money on car insurance.

Also Read:  Understanding The Different Types Of Car Insurance Coverage

How to Compare Car Insurance Rates?

Comparing car insurance rates can be simple if you use an online comparison tool. You can enter your information such as your age, driving record, and the type of car you drive and the tool will compare rates from different insurers. This will allow you to quickly and easily find the best deal for your needs.


Finding the best car insurance deals can be a challenge, but it doesn’t have to be. By comparing rates from different insurers and looking for discounts, you can find the best car insurance rates in your state. By following these steps, you can save money on car insurance and have peace of mind knowing that you are protected if you are ever in an accident.