If you’re an active motorist, affordable car insurance is one of the most important things you can have. Finding car insurance will help you protect yourself in the event of an accident.
No matter where you live, every driver needs to have auto insurance. Insurance costs most drivers pay amount to a few thousand dollars every year. Combined with other costs of owning a car, this can become a significant expense.
Luckily, you have options when it comes to affordable car insurance online. The internet has made it easier than ever to find cheap car insurance quotes in your state. CheapInsurance.com has been bringing together information you need to make an informed decision.
Most car owners have automobile insurance, but that doesn’t mean it’s always easy to understand. For many of us out there, no one explained vehicle insurance to us before we got behind the wheel for the first time!
One important way to get inexpensive car is to compare car insurance quotes to find insurance coverage you need, and avoid the expensive coverage you don’t. With that in mind, our affordable auto insurance experts have developed this FAQ to help you get informed about your insurance options.
Key Takeaways:
- Auto insurance protects you in the event of an accident while driving and other events that can happen.
- The main types of car insurance coverages are liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- The amount of car insurance you need depends on your individual circumstances, such as your driving record, the value of your car, and your financial situation.
- You can save money on car insurance by comparing auto insurance quotes from different insurers, bundling your insurance policies, and taking advantage of car insurance discounts.
- It is important to keep your car insurance up to date in the event of a claim.
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Here are some of the top questions drivers like you ask about car insurance
What Happens If I Don’t Have Car Insurance?
If you don’t have auto insurance, you could end up in a lot of trouble.
Remember, any time you get stopped on the road, a police officer will ask you for proof of insurance. If you don’t have insurance, you can be subject to fines and other penalties. You may get points on your license, which can lead to your driving privileges being suspended temporarily or even revoked.
The situation gets even more serious if you’re in an accident while uninsured.
Insurance protects your interests by paying for the costs incurred by others in an accident. If you don’t have proper auto insurance, you are more likely to be brought to court by the other parties seeking restitution for any injury or property damage. On the other hand, an accident with good inexpensive car insurance pays for the claim.
Do I Need Car Insurance if I Am Not Driving?
If you own or rent a car, or use another person’s car, you need the right car insurance.
Any time you take possession of a car – whether from a dealership or a rental company – you will need to have proof of auto insurance. You won’t be able to get behind the wheel if they find that you aren’t insured.
Even if you use a friend or family member’s car, the only way to ensure protection is to have a vehicle insurance policy of your own. Not all car insurance policies protect second drivers.
Affordable car insurance is just a click away here on CheapInsurance.com. Review affordable auto insurance quotes through our website for you to secure the cheapest car insurance.
Average Full Coverage Costs by State
| State | Cheapest Carrier | Average cost per year | Average cost per month |
|---|---|---|---|
| Alabama | State Auto | $2,090.40 | $174.20 |
| Alaska | State Farm | $1,607.00 | $133.91 |
| Arizona | Main Street America | $1,677.60 | $139.80 |
| Arkansas | Bristol West | $4,015.20 | $334.60 |
| California | Geico | $1,236.00 | $103.00 |
| Colorado | Sun Coast | $2,061.60 | $171.80 |
| Connecticut | Travelers | $2,164.80 | $180.40 |
| Delaware | Travelers | $1,488.00 | $124.00 |
| Florida | Direct Auto | $2,736.00 | $228.00 |
| Georgia | Mile Auto | $1,300.80 | $108.40 |
| Hawaii | State Farm | $1,763.00 | $174.00 |
| Idaho | American National | $722.00 | $60.17 |
| Illinois | Certainly | $967.20 | $80.60 |
| Indiana | Clearcover | $1,425.60 | $118.80 |
| Iowa | Progressive | $1,250.40 | $104.20 |
| Kansas | CSAA | $1,554.00 | $129.50 |
| Kentucky | Grange | $1,983.96 | $165.33 |
| Louisiana | Geico | $4,207.44 | $350.62 |
| Maine | Concord Group | $876.00 | $73.00 |
| Maryland | Elephant | $2,268.00 | $189.00 |
| Massachusetts | Midvale | $1,752.00 | $146.00 |
| Michigan | Esurance | $2,697.72 | $224.81 |
| Minnesota | Liberty Mutual | $2,058.00 | $171.50 |
| Mississippi | Allstate | $1,658.40 | $138.20 |
| Missouri | Clearcover | $2,157.60 | $179.80 |
| Montana | Progressive | $1,236.00 | $103.00 |
| Nebraska | Geico | $2,244.00 | $187.00 |
| Nevada | Mercury | $2,056.08 | $171.34 |
| New Hampshire | MMG Insurance | $768.00 | $64.00 |
| New Jersey | AAA | $1,668.00 | $139.00 |
| New Mexico | Nationwide | $1,416.00 | $118.00 |
| New York | New York | $1,944.00 | $162.00 |
| North Carolina | Midvale | $861.00 | $71.75 |
| North Dakota | North Carolina Farm Bureau | $516.00 | $43.00 |
| Ohio | Mile Auto | $612.00 | $51.00 |
| Oklahoma | CSAA | $2,692.80 | $224.40 |
| Oregon | Mile Auto | $816.00 | $68.00 |
| Pennsylvania | Mile Auto | $936.00 | $78.00 |
| Rhode Island | State Farm | $3,588.00 | $299.00 |
| South Carolina | Main Street America | $2,127.00 | $177.25 |
| South Dakota | Allied | $1,644.00 | $137.00 |
| Tennessee | Mile Auto | $666.00 | $55.50 |
| Texas | Allstate | $1,512.00 | $126.00 |
| Utah | Farmers | $1,776.00 | $148.00 |
| Vermont | Geico | $1,212.00 | $101.00 |
| Virginia | Nationwide | $1,075.20 | $89.60 |
| Washington | Midvale | $1,632.00 | $136.00 |
| West Virginia | Nationwide | $1,499.04 | $124.92 |
| Wisconsin | Novo | $1,521.60 | $126.80 |
| Wyoming | American National | $1,494.96 | $124.58 |
Average Annual Car Insurance Premium by Manufacturer
Many car brands on average are close in car insurance costs. Some brands trend towards higher auto insurance costs due to being high performance, also luxury models can raise the cost of auto insurance.
Average Car Insurance Premium by Manufacturer
| Vehicle Make | Average Premium |
|---|---|
| Fiat | $1,499 |
| Mini | $1,623 |
| Jeep | $1,625 |
| Volkswagen | $1,651 |
| Subaru | $1,669 |
| Mazda | $1,681 |
| Buick | $1,695 |
| Kia | $1,733 |
| Ford | $1,737 |
| Honda | $1,739 |
| GMC | $1,743 |
| Hyundai | $1,765 |
| Chevrolet | $1,766 |
| Mitsubishi | $1,814 |
| Toyota | $1,839 |
| Chrysler | $1,899 |
| Volvo | $1,955 |
| Dodge | $2,017 |
| Nissan | $2,028 |
| Cadillac | $2,071 |
| Acura | $2,240 |
| BMW | $2,346 |
| Land Rover | $2,418 |
| Lexus | $2,429 |
| Lincoln | $2,462 |
| Jaguar | $2,584 |
| Infiniti | $2,601 |
| Audi | $2,617 |
| Genesis | $2,664 |
| Mercedes | $2,763 |
| Porsche | $2,774 |
| Alfa-Romeo | $3,330 |
| Tesla | $3,419 |
| Maserati | $4,393 |
(Source: The Zebra)
Call For A Quick Auto Insurance Quote
An agent is ready to take your call on our CheapInsurance national network
(833) 391-2036
Auto Insurance Tips
- What are the types of car insurance?
There are actually more than three types of car insurance, but only two are most commonly required by law. Those two are property damage liability coverage, which covers damage to another’s vehicle, and bodily injury coverage, which covers injuries. These can get you low cost car insurance.
The other common kind of car insurance coverage is comprehensive and collision. This coverage is consider full coverage car insurance. This covers claims, like theft, vandalism, and bad weather and accidents. It may be required by lenders when you are paying on a car loan. This can be more expensive, so it’s wise to look for inexpensive car insurance quotes online and choose the cheapest auto insurance near me.
- Who has the most affordable car insurance?
Drivers in their 30s and 40s tend to have the cheapest car insurance rate. Women pay slightly less than men for auto insurance. To decide exactly which car insurance company to use, always go online to compare the most affordable auto insurance quotes from the best car insurance companies.
- Does your zip code affect your car insurance?
Yes. Zip code is one of the major factors that determines how much your auto insurance costs. This is because insurers use local demographics to help set their insurance rates. These include things like average age in the area, accident rates, criminal activity, and even weather.
Luckily, there are many factors in your automobile insurance costs you can control. For example, insurers often look at your credit score and points on your driving record. The least expensive car insurance isn’t always easy to come by, so invest some time hunting for cheap auto insurance online before you choose a policy. You could end up saving hundreds per year.
- Which states have the cheapest car insurance?
For 2021, U.S. News & World Report indicates frosty Maine is the state with the most affordable auto insurance. Just behind it are: New Hampshire, Idaho, Ohio, Wisconsin, Indiana, Washington State, Alaska, North Dakota, and Vermont.
If you’re in a state with cheap car insurance, you’re in luck!
If not, you can still find cheap vehicle insurance rates – it just takes a little more effort. Compare insurance quotes in your area. - Which car insurance is the best?
Did you know the age, make, and model of your car can affect the cost of car insurance?
In general, insurers will rate high end luxury cars with higher costs, which are more likely to be targeted by criminals. Also for sports cars, which many insurers feel are linked to risky driving behavior.
Luckily, you can search for the best least expensive auto insurance online and get low cost auto insurance rates for your car, drive safe!
Learn More
Additional tips for getting cheap car insurance:
- Drive safely and avoid accidents.
- Maintain a clean driving record for low cost auto insurance.
- Increase your insurance deductible.
- Get car insurance quotes from multiple insurers.
- Bundle your auto insurance policies.
- Take advantage of auto insurance discounts.
Related Reading:
Factors You Might Not Know Affect Car Insurance Quotes and How to Manage Them
Car Insurance Quotes: Hidden Fees and Charges to Watch Out for
Exploring the Connection Between Vehicle Type and Insurance Quotes
The Pros and Cons of Using Online Tools for Instant Car Insurance Quotes
How to Customize Your Car Insurance Policy Based on Quotes
Demystifying the Different Types of Coverage in Car Insurance Quotes
The Role of Your Driving Record in Determining Car Insurance Quotes
Tips for Getting Accurate and Reliable Car Insurance Quotes
A Comprehensive Guide to Comparing Car Insurance Quotes Online
Understanding Factors That Influence Car Insurance Quotes
