The cheapest car insurance

The cheapest car insurance will often be the minimum coverage required in your state, which in most states is liability insurance. Liability insurance covers property damage and medical bills for others due to accidents you cause. Some states require additional or alternative coverage, such as personal injury protection.

Full coverage car insurance is more expensive and often comes with a deductible, a set amount you are responsible for if you file a claim. But it also provides more expansive coverage for your car, like if it’s stolen or damaged, whether by you, a hit-and-run driver or a fallen tree.

To get an idea of the cheapest car insurance rates, period, we looked at quotes from available carriers for the minimum required insurance in each state. Then, we compared it to the average cost of full coverage car insurance to show the difference in cost.

StateAverage annual price: Minimum required coverageAverage annual price: Full coverageAnnual difference
Average$699$1,537$838
Alabama$563$1,367$804
Alaska$419$1,105$686
Arizona$684$1,527$843
Arkansas$578$1,449$871
California$629$1,654$1,025
Colorado$713$1,738$1,025
Connecticut$1,029$1,984$955
Delaware$1,209$2,350$1,141
District of Columbia$842$1,558$716
Florida$1,253$2,355$1,102
Georgia$727$1,523$796
Hawaii$676$1,637$961
Idaho$389$990$601
Illinois$706$1,389$683
Indiana$493$1,091$598
Iowa$309$968$659
Kansas$585$1,297$712
Kentucky$1,092$2,185$1,093
Louisiana$995$2,789$1,794
Maine$431$961$530
Maryland$924$1,644$720
Massachusetts$540$1,179$639
Michigan$2,696$3,986$1,290
Minnesota$824$1,598$774
Mississippi$612$1,669$1,057
Missouri$683$1,581$898
Montana$428$1,457$1,029
Nebraska$431$1,126$695
Nevada$679$1,721$1,042
New Hampshire$495$1,041$546
New Jersey$1,095$2,069$974
New Mexico$576$1,416$840
New York$1,161$2,017$856
North Carolina$527$1,027$500
North Dakota$393$1,148$755
Ohio$548$1,106$558
Oklahoma$561$1,645$1,084
Oregon$1,063$1,782$719
Pennsylvania$475$1,303$828
Rhode Island$977$2,017$1,040
South Carolina$524$1,167$643
South Dakota$330$1,083$753
Tennessee$499$1,294$795
Texas$826$2,452$1,626
Utah$695$1,284$589
Vermont$396$1,035$639
Virginia$431$1,039$608
Washington$545$1,009$464
West Virginia$635$1,501$866
Wisconsin$491$1,084$593
Wyoming$329$1,085$756

Average rates can give you an idea of pricing in your state for minimum or full coverage car insurance policies, but that says little about the companies available to you.

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