Cheapest Car Insurance Rates for April 2020

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Cheap Auto Comparison is your source for trusted information about the best options in cheap auto insurance. We compare the top-rated auto insurers nationwide to see who offers the most competitive rates.

If you’re looking to lower costs, count on us to do all the hard work for you. We diligently compare each car insurance company so you can buy cheap auto insurance online worry-free. Now you can get real quotes from some of the leading car insurance companies so you can find the policy that fits you best.

By: Jeffrey Adams
Updated on 07/2018

Do You Need Car Insurance?

If you own and operate a vehicle in the United States of America, car insurance is a requirement in 48 of the 50 states. Car insurance is state-mandated and if you drive a financed vehicle, the dealership will require that you get comprehensive coverage so that the vehicle is covered in the event that damage occurs to it. So, if you live in either of the 48 states where insurance is required and you are driving a leased or financed vehicle, then you will definitely need car insurance.

A lack of care when shopping for the best car insurance coverage could result in a large bill every month. In addition, choosing the wrong auto insurance company could result in headaches when it comes time to file an auto insurance claim. After researching extensively and exploring different quotes in every state, we have compiled information that can help you find the insurance companies with the best cheap insurance quotes to fit your needs and budget.

How to Get Cheap Car Insurance Near Me?

If you are in the market for car insurance whether liability or comprehensive, you will likely want to get the lowest rates in your state. The most affordable car insurance is usually the minimum coverage that is mandated in your state which is liability insurance coverage. Liability insurance encompasses medical bills for others harmed in an accident that was caused while you were driving as well as any property damage that occurred to the other person’s vehicle. In some states, additional coverage is mandated such as personal injury protection coverage.

Comprehensive car insurance coverage is often costlier and comes with a set amount that you must pay if you file a claim. This amount is referred to as the deductible. However, the driver with comprehensive car insurance will have more protection for their own vehicle including if it is stolen or incidental damage occurs from weather conditions or even a hit and run driver.

To get a concept of which companies were the cheap car insurance companies, our team compares quotes from the best car insurance companies to find out which offers cheap liability insurance coverage as well as the most competitive rates for comprehensive insurance coverage.

Cheapest Car Insurance based on Average Annual Rates

Cheap Car Insurance Comparison

Finding the right affordable auto insurance coverage

Finding the best affordable insurance including cheap SR22 insurance can seem like a bit of an enigma, especially to the uninitiated auto insurance shopper. Understanding what to look for when choosing an insurance company and learning how to compare auto insurers to get the best rate can sometimes prove challenging. However, with our knowledge, expertise, and research, we have compiled information to help you compare and ultimately select the most competitive quote available in your state. At Cheap Auto Insurance Comparison, we are dedicated to helping you reach your goal of obtaining cheap car insurance that fits within your budget.

Cheap Auto Insurance Comparison

Comparing The Five Largest Car Insurance Companies

There are five car insurance companies in the nation that account for over 55% of the total U.S. car insurance market. If you’re looking for cheap car insurance or wanting to switch companies, you may want to consider the top five companies. These companies include Allstate, Progressive, State Farm, and USAA which offers coverage for military, veterans, and their relatives.

Competitive auto insurance rates

In many ways, Progressive was very competitive with the other five larger car insurers. However, even though they aren’t the cheapest, in some states they feature some of the lowest rates for drivers of both good and bad credit and driving history.

One of the cheapest

GEICO definitely ranks highly as one of the cheapest car insurers offering very competitive quotes in almost every state. In addition to being the most affordable for drivers with no moving violations and good credit, they are also the cheapest for drivers that have poor credit. When it comes to drivers who have a recent accident where they were at fault, the rates with GEICO tend to be on the higher side when compared with other insurers. Check out our Geico vs Progressive article.

The nation’s largest auto insurer

State Farm is the largest car insurer nationwide and repeatedly ranks exceptionally for customer satisfaction. In addition, they rank highly in J.D. Power and Associates Surveys. State Farm usually offered quotes that were about $30 to $50 within what its competitors were offering. In South Carolina, State Farm was $223 cheaper than GEICO when comparing annual premiums.

Cheapest car insurance for military individuals and their families

USAA is an insurance company offering car insurance quotes cheap for military and their relatives so it isn’t ranked directly with the other leading insurers. However, it did rank as the cheapest out of the other major national insurers.

Cheaper for drivers with one at fault accident or drivers with poor credit

Allstate is one of the leading car insurance provides nationwide providing an exceptional level of customer service to their customers. When searching for cheap insurance cars of all types can be insured at affordable rates with Allstate. However, the major insurer offered more affordable coverage than the others for drivers who had poor credit or an at-fault accident. Check out our Allstate vs State Farm article.

Erie car insurance is an excellent option for most drivers

They’re among the cheapest options in the country without sacrificing quality service or benefits. Even better, Erie covers a huge range of vehicles, including motorcycles, snowmobiles, RVs and ATVs. That means you can get insurance coverage for all of your vehicles from the same company. Erie has flexible options so customers can customize their coverage to get the exact right amount of protection for the exact right price. As a result, you’ll only be paying for the insurance you need. This, combined with their low rates and excellent customer service, makes Erie one of the most popular auto insurance companies in the US. Check out our Erie Car Insurance article.

Cheap Insurance Solutions in Every State

Whether you are looking for cheap auto insurance in your local area or in another state, we can provide helpful information to assist you with finding the best affordable auto insurance coverage. So just how much is car insurance? The cost of car insurance can vary considerably depending on which state you need car insurance coverage in. One company may be costly in one area of the country and much more affordable in another. By exploring cheap full coverage car insurance as well as cheap liability auto insurance, you can find the options best suited to your needs and budget. Use the table found below to locate your state and to find out what your auto insurance requirements are according to each state.

 

Car Insurance Coverage Requirements by State and Average Costs

  Types of insurance required Minimum required liability insurance Minimum required coverage*Full coverage*
Auto Insurance Alabama
Bodily injury liability, property damage liability 25/50/25 $563$1,367
Auto Insurance Alaska Bodily injury liability, property damage liability 50/100/25 $419$1,105
Auto Insurance Arizona Bodily injury liability, property damage liability 15/30/10 $684$1,527
Auto Insurance Arkansas Bodily injury liability, property damage liability, personal injury protection 25/50/25 $578$1,449
Auto Insurance California Bodily injury liability, property damage liability 15/30/5 $629$1,654
Auto Insurance Colorado Bodily injury liability, property damage liability 25/50/15 $713$1,738
Auto Insurance Connecticut Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 20/40/10 $1,029$1,984
Auto Insurance Delaware Bodily injury liability, property damage liability, personal injury protection 15/30/10 $1,209$2,350
District of Columbia Bodily injury liability, property damage liability, personal injury protection, uninsured motorist 25/50/10 $842$1,558
Auto Insurance Florida Property damage liability, personal injury protection 10/20/10 $1,253$2,355
Auto Insurance Georgia Bodily injury liability, property damage liability 25/50/25 $727$1,523
Auto Insurance Hawaii Bodily injury liability, property damage liability, personal injury protection 20/40/10 $676$1,637
Auto Insurance Idaho Bodily injury liability, property damage liability 25/50/15 $389$990
Auto Insurance Illinois Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 25/50/20 $706$1,389
Auto Insurance Indiana Bodily injury liability, property damage liability 25/50/10 $493$1,091
Auto Insurance Iowa Bodily injury liability, property damage liability 20/40/15 $309$968
Auto Insurance Kansas Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 25/50/10 $585$1,297
Auto Insurance Kentucky Bodily injury liability, property damage liability, personal injury protection 25/50/10 $1,092$2,185
Auto Insurance Louisiana Bodily injury liability, property damage liability 15/30/25 $995$2,789
Auto Insurance Maine Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist, medical payments 50/100/25 $431$961
Auto Insurance Maryland Bodily injury liability, property damage liability, personal injury protection, uninsured motorist, underinsured motorist 30/60/15 $924$1,644
Auto Insurance Massachusetts Bodily injury liability, property damage liability, personal injury protection, uninsured motorist, underinsured motorist 20/40/5 $540$1,179
Auto Insurance Michigan Bodily injury liability, property damage liability, personal injury protection 20/40/10 $2,696$3,986
Auto Insurance Minnesota Bodily injury liability, property damage liability, personal injury protection, uninsured motorist, underinsured motorist 30/60/10 $824$1,598
Auto Insurance Mississippi Bodily injury liability, property damage liability 25/50/25 $612$1,669
Auto Insurance Missouri Bodily injury liability, property damage liability, uninsured motorist 25/50/10 $683$1,581
Auto Insurance Montana Bodily injury liability, property damage liability 25/50/10 $428$1,457
Auto Insurance Nebraska Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 25/50/25 $431$1,126
Auto Insurance Nevada Bodily injury liability, property damage liability 15/30/10 $679$1,721
Auto Insurance New Hampshire Uninsured motorist, underinsured motorist, medical payments 25/50/25 (minimum available but not mandatory)$495$1,041
Auto Insurance New Jersey Bodily injury liability, property damage liability, personal injury protection, uninsured motorist, underinsured motorist 15/30/5 $1,095$2,069
Auto Insurance New Mexico Bodily injury liability, property damage liability 25/50/10 $576$1,416
Auto Insurance New York Bodily injury liability, property damage liability, personal injury protection, uninsured motorist,wrongful death 25/50/10 $1,161$2,017
Auto Insurance North Carolina Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 30/60/25 $527$1,027
Auto Insurance North Dakota Bodily injury liability, property damage liability, personal injury protection, uninsured motorist, underinsured motorist 25/50/25 $393$1,148
Auto Insurance Ohio Bodily injury liability, property damage liability 25/50/25 $548$1,106
Auto Insurance Oklahoma Bodily injury liability, property damage liability 25/50/25 $561$1,645
Auto Insurance Oregon Bodily injury liability, property damage liability, personal injury protection, uninsured motorist, underinsured motorist 25/50/25 $1,063$1,782
Auto Insurance Pennsylvania Bodily injury liability, property damage liability, personal injury protection 15/30/5 $475$1,303
Auto Insurance Rhode Island Bodily injury liability, property damage liability 25/50/25 $977$2,017
Auto Insurance South Carolina Bodily injury liability, property damage liability, uninsured motorist 25/50/25 $524$1,167
Auto Insurance South Dakota Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 25/50/25 $330$1,083
Auto Insurance Tennessee Bodily injury liability, property damage liability 25/50/15 $499$1,294
Auto Insurance Texas Bodily injury liability, property damage liability 30/60/25 $826$2,452
Auto Insurance Utah Bodily injury liability, property damage liability, personal injury protection 25/65/15 $695$1,284
Auto Insurance Vermont Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 25/50/10 $396$1,035
Auto Insurance Virginia Bodily injury liability, property damage liability, uninsured motorist, underinsured motorist 25/50/20 $431$1,039
Auto Insurance Washington Bodily injury liability, property damage liability 25/50/10 $545$1,009
Auto Insurance West Virginia Bodily injury liability, property damage liability, uninsured motorist 25/40/10 $635$1,501
Auto Insurance Wisconsin Bodily injury liability, property damage liability, uninsured motorist 25/50/10 $491$1,084
Auto Insurance Wyoming Bodily injury liability, property damage liability 25/50/20 $329$1,085

*Average Annual Prices

We have sourced the leading, most competitively priced insurance policies all around the country so you can have the comparison you need to make the best decision. We will help you find the right auto insurance company offering affordable coverage in your state.

Different Drivers Mean Different Rates

When exploring which of the five is the cheapest, it is important to keep in mind that different drivers will be offered various types of insurance rates based on their individual profiles. This includes their credit rating and driving history. As an insurance company makes a decision, they will choose a driver that has a history of no accidents or license points and extend a more competitive premium to them. However, a driver with lower credit and one or two accidents may end up paying substantially more in insurance premiums. The graph below comparing different driver profiles can help with explaining which insurance may be cheaper depending on personal factors.

Major Types of Car Insurance

There are different add-ons and options available when it comes to car insurance, however, there are three major types of car insurance. Learning about each type of car insurance coverage can help you find the cheapest option in each category to fit your needs.

The three main types of car insurance include:

  • Comprehensive Coverage
  • Liability Coverage
  • Collision Coverage

Comprehensive Coverage

Whether you are looking for cheap auto insurance for college students or cheap auto insurance for high risk drivers, you will find that comprehensive coverage is one of the more expensive types of coverage to carry. This is due to the fact that it covers every type of car-related accident that might occur except damage caused by a collision. Comprehensive auto insurance policies cover damage from weather, repairs after incidental damage, and auto theft. However, it is possible to find cheap full coverage with a bit of searching. Comprehensive coverage is meant to be used alongside collision insurance but the cost is dependent on your car. The good news is that you do have control over the amount of the deductible.

Collision Coverage

Drivers wondering where can I get cheap auto insurance need to also consider having enough coverage to protect against damage caused from a car crash. Collision damage can provide this type of protection including damage that occurs when you were at fault. In some cases, it can also cover situations where the other driver is responsible. The cost of collision insurance is dependent on the value of the car, however, you can select a policy that has a deductible amount that fits your budget.

Liability Coverage

When it comes to finding auto insurance for bad driving records cheap, your best option is liability coverage. This is because liability auto insurance is the minimum type of auto insurance mandated by the state.

In most states, liability coverage is state-required and covers the driver in the event of personal injury and property damage where the driver is at fault. However, it doesn’t offer protection for your own vehicle or your own injuries sustained from an accident. Drivers searching for cheap auto insurance rates won’t find any coverage that is cheaper than liability auto insurance coverage. Each state requires a driver to carry their own minimum amount of liability insurance coverage. Although you can get by legally by paying this minimum, it might not cover expenses after a crash takes place.

What Car Insurance Do I Need In My State?

Drivers searching for car insurance in their own state can benefit from learning about their state’s auto insurance requirements. Many states simply mandate liability coverage while others call for additional coverage like personal injury protection, underinsured motorist coverage, and uninsured motorist coverage.

Keep in mind that driving a car without insurance is illegal in most states. There are only 3 states that allow you to drive without an auto insurance, and these are Arizona, New Hampshire, and Virginia. However, these states have special conditions and legal requirements that must be met which often includes financial responsibility and your ability to pay for damages. So if you need coverage fast we can help with that.

Cheap Auto Insurance Comparison

Where to Find Car Insurance Discounts?

If you’re on the hunt for very cheap car insurance no deposit required or cheap full coverage car insurance, learning how to find great discounts can help. Discounts are the secret to actually enjoying lower car insurance rates. In fact, many cheap insurance companies have a host of deductions that go undiscovered by most drivers. Below are some helpful tips to help you find the best discounts for your insurance rates.

Safe Driver Discounts

Drivers with safe driving practices usually have a clean driving record. The standard for a safe driver is defined by each insurance company. This type of driver can usually qualify for very large discounts. A squeaky clean driving record can not only provide you with quite a large discount but it can also save you more money each and every month. Most insurance companies consider a safe driver to be one that has no accidents where they were at fault, no moving violations for speeding, reckless driving, or driving under the influence.

Resident Student Discounts

Resident student discounts are extended to students that attend college over 100 miles from their home. This discount is mainly for students who won’t really be driving while at school but may drive when they are home for the holidays.

Good Student Discounts

Good student discounts are offered to drivers who are younger than 25 and who are fully enrolled at a high school, college, or university and have a 3.0-grade point average. The discounts can range from 5% to 10% and are one of the best discounts available for students. To receive this discount, students must show a letter signed by a school administrator or remit a current transcript. Homeschooled kids can show standardized test results like the SAT or ACT scores. Some car insurance companies, including AAA, offer the good student discount even after the driver graduates for a short while. 

Driving Schools

Attending driving school and passing the driving test actually opens up a great discount that many drivers are unaware of. The good news is that this discount is available in many different states. Discounts through driving schools offer a great opportunity. Drivers who pass an accredited driver’s education class or a defensive driving class can inquire about getting a major price reduction for really cheap car insurance. Although there is no set discount, some cheap insurance car companies will offer as much as 10% off. Another benefit is that defensive driving can help you with points you may have accrued on your license and can keep your car insurance from going up after a ticket. To keep qualifying for the defensive driving discount, drivers may have to be current on their driver certification.

Additional Car Insurance Discounts

There are additional car insurance discounts that you may qualify for as you continue your search for cheap car insurance rates. Below are some of the options that may help you get the very cheap car insurance you are looking for:

  • Car alarm system discounts
  • Car safety equipment discounts
  • Active duty military discounts
  • Veterans discounts
  • Pre-pay discount
  • Paid in full discount
  • Low mileage discounts
  • Member or occupation discounts

Tips for Finding Cheap Auto Insurance

As you hunt for cheap and affordable car insurance, it helps to have some tips and guidelines which can prove helpful. In a recent article on Bloomberg, the average interest rate for new car loans reached a record high for the past eight years. This just shows how important it is to find the most inexpensive auto insurance available in your local area.

Whether you need to insure fast cars with cheap car insurance or you want to get insurance for an older car, you can find the below advice helpful.

Cheap Auto Insurance Comparison

Alabama

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California

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    Michigan

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