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Finding Car Insurance on a Budget

Get affordable car insurance — without sacrificing coverage.

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When it comes to car insurance, you want coverage that’s reliable, customer service that’s helpful, and prices that are affordable. The truth is, to find the cheapest car insurance from an auto insurance company, you have to shop the entire market and compare vendors’ car insurance rates directly.

Insurance options look different for different driver profiles, such as a good driver versus a young driver or someone with an at-fault accident. As a result, the cheapest insurer for you may not be the cheapest provider for someone else. Call our Perfect Policy Connectors below to find the right policy for you, and learn more from our articles and guides.

How to Get the Lowest Rates

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Car Insurance Discounts

Enrolling in paperless billing, among other easy tasks, can save you money on car insurance.

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Best Cheap Car Insurance Companies

These companies offer the lowest average rates.

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Other Ways to Lower the Cost of Insurance Coverage

From bundling your home and auto insurance to lowering your limits, here are some simple ways to save.

The Most Affordable Insurance by State

Los Angeles

California

California is known for its soaring costs of living, and the price of car insurance is not immune.

Ocean Dr street sign in Florida

Florida

Florida’s no-fault insurance laws drive car insurance premiums up.1

Welcome to Georgia sign

Georgia

Despite the fact that Georgia only requires liability coverage,2 average prices are the eighth highest in the U.S.

DID YOU KNOW?

Florida is only one of a handful of states that doesn’t require bodily injury liability coverage, along with New Jersey, New Hampshire, and Virginia.3 However, we recommend getting bodily injury, which is part of full-coverage car insurance.

Trolley cars in Louisiana

Louisiana

Louisiana is the most expensive state for car insurance, with rates 43 percent higher than the national average.4

Massachusetts

Guide to Car Insurance in Massachusetts

Massachusetts’ plethora of car insurance requirements means higher average costs.

Michigan

Michigan

Michigan has the most required coverages in the U.S.,5 leading to high average costs.

LEARN MORE:

Discover all the reasons why car insurance in Michigan is so expensive.

New Jersey

New Jersey

Save by buying minimum coverage, which in New Jersey includes only property damage and medical payments.

New York

New York

The average New Yorker spends $1,436 a year on car insurance,which is the second-highest average rate in the U.S.

Texas

Texas

Get cheaper coverage if you’re married, have a good credit score or have a clean driving record.

We do the work: Call today to find your perfect teen policy!

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Citations

  1. Background on: No-fault auto insurance. Insurance Information Institute. (2018, Nov 6).
    https://www.iii.org/article/background-on-no-fault-auto-insurance

  2. Auto Insurance. Office of Commissioner of Insurance and Safety Fire.
    https://oci.georgia.gov/insurance-resources/auto

  3. Florida Insurance Requirements. Florida Highway Safety and Motor Vehicles. (2018, Nov 6).
    https://www.flhsmv.gov/insurance/

  4. 2018/2019 Auto Insurance Database Report. National Association of Insurance Commissioners.
    https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf

  5. Michigan’s Auto Insurance Law Has Changed. Department of Insurance and Financial Services.
    https://www.michigan.gov/-/media/Project/Websites/difs/Publication/Auto/Auto_Insurance_Guide.pdf?rev=5e970c4aed3c4599bdd08a4706a44cbd