Cheap Auto Insurance
When searching for cheap auto insurance, you will find that rates can differ greatly based on the type of vehicle you drive. For example, an expensive sports car can cost around $340/mo in New York. Who has the cheapest car insurance near you? Find the best car insurance quotes for you now.
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Written by
Chris Tepedino |
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Reviewed by
Rachael Brennan
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UPDATED: Jun 27, 2022
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- The best way to find great insurance is to determine your exact needs and wants.
- Online search tools are a fast, easy way to get auto insurance quotes from multiple auto insurance companies.
- Factors that affect your auto insurance rates include your driving record, credit score, ZIP code, age, gender, and the make and model of your vehicle.
- SUVs are considered less risky to insure because they are large.
Save on your cheap auto insurance quote by choosing the right make and model. This can have a huge impact on your car insurance quote. Some cars are more expensive to cover than others, so talk to your insurance agent before you make a final purchase on your next vehicle — make sure to get the best auto insurance rates possible.
Your new insurance premium may surprise you. Learn which cars are the most expensive to insure, and what you can do about it.
What is online car insurance? Is it different than general insurance? When you’re looking to buy cheap auto insurance online, find car insurance quotes by using our helpful tool to find cheap auto insurance in Sacramento, California, or anywhere else.
Table of Contents
Find Lowest Quotes by Make & Model
Some makes/models are obviously more expensive to insure, while the high price of others might be unexpected. Insurance costs may vary from company to company, but the risk formula that computes your monthly premium isn’t as flexible.
The elements calculated include your driving record, credit score, ZIP code, age, gender, and especially the make and model of your vehicle.
According to statistical data, your likelihood of filing a claim can be accurately predicted based on the make/model of your car. Sometimes poor-quality cars can sustain more damage in the event of an accident, making them more expensive to repair; other times, certain makes/models will attract a riskier type of driver.
One example of this is the sports car: young, thrill-seeking drivers tend to buy these vehicles. Because these drivers take greater risks behind the wheel, they also cause more auto accidents.
Keep reading to compare auto insurance prices between different types of cars.
Average Monthly Auto Insurance Rates by Vehicle Make and Model
Legend:
An Expensive Sports Car
An Affordable Sedan
California
Florida
Illinois
New York
Texas
25
50
75
100
125
150
175
200
225
250
275
300
325
$198
$64
$226
$126
$130
$34
$340
$93
$145
$105
Surprisingly, SUVs are considered less risky to insure because they are so large and visible. Also, because many of them are “built like a tank,” they sustain less damage even in serious wrecks.
They are quite top-heavy, though, which means that what would be a minor accident in a sensibly-sized car is more likely to turn into a worst-case scenario with an SUV.
Unsurprisingly, minivans tend to be very economical when it comes to insurance rates. These vehicles are usually owned by cautious parents with children in tow and thus are driven more defensively and safely.
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How to Find Cheaper Auto Insurance & Lower Your Premium
Lowering your premium can be challenging. Sometimes, even the tiniest little detail, like a slightly older model or a luxury accessory, can drastically change the cost of your insurance.
Take the convertible, for example; its soft-top will cost you more on insurance due to the sporty factor, and because of the car’s overall weaker structural integrity.
Also, keep in mind that a high sticker price usually means a high insurance premium. Fixing a dented bumper on a Jaguar will cost much more than the same type of bodywork on a Hyundai, for example.
Remember, each vehicle has more than one element to evaluate: While a Civic might be cheap to purchase, its high rate of theft will make it more expensive to insure than a comparable model with a lower profile.
When considering which factors will lower your premium more dramatically than others, remember that the largest part of car insurance is liability.
Check out the table below for the average annual liability rates in your state.
| States | Annual Liability Rates | Annual Full Coverage Rates |
|---|---|---|
| North Dakota | $298.18 | $773.30 |
| Iowa | $299.18 | $702.46 |
| South Dakota | $300.22 | $766.91 |
| Wyoming | $321.04 | $847.44 |
| Maine | $338.87 | $703.82 |
| Vermont | $343.12 | $764.02 |
| Idaho | $344.29 | $679.89 |
| Kansas | $358.24 | $862.93 |
| North Carolina | $359.42 | $789.09 |
| Nebraska | $364.64 | $831.02 |
| Wisconsin | $374.37 | $737.18 |
| Indiana | $382.68 | $755.03 |
| Montana | $386.29 | $863.52 |
| Arkansas | $394.13 | $906.34 |
| Alabama | $394.21 | $868.48 |
| Ohio | $397.11 | $788.56 |
| New Hampshire | $400.56 | $818.75 |
| Tennessee | $413.91 | $871.43 |
| Missouri | $415.88 | $872.43 |
| Virginia | $425.61 | $842.67 |
| Illinois | $446.72 | $884.56 |
| Minnesota | $456.82 | $875.49 |
| Hawaii | $458.54 | $873.28 |
| Mississippi | $460.50 | $994.05 |
| Oklahoma | $461.01 | $1,005.32 |
| New Mexico | $488.03 | $937.59 |
| California | $489.66 | $986.75 |
| West Virginia | $491.83 | $1,025.78 |
| Utah | $497.53 | $872.93 |
| Pennsylvania | $499.06 | $970.51 |
| Arizona | $508.76 | $972.85 |
| Colorado | $520.04 | $981.64 |
| South Carolina | $527.09 | $973.10 |
| Texas | $528.75 | $1,109.66 |
| Kentucky | $529.21 | $938.51 |
| Alaska | $539.68 | $1,027.75 |
| Georgia | $557.38 | $1,048.40 |
| Oregon | $584.13 | $904.83 |
| Washington | $596.67 | $968.80 |
| Massachusetts | $606.04 | $1,129.29 |
| Maryland | $609.74 | $1,116.45 |
| District of Columbia | $628.82 | $1,330.73 |
| Connecticut | $650.94 | $1,151.07 |
| Nevada | $681.56 | $1,103.05 |
| Rhode Island | $759.80 | $1,303.50 |
| Louisiana | $775.83 | $1,405.36 |
| Michigan | $795.32 | $1,364.00 |
| Delaware | $799.30 | $1,240.57 |
| New York | $804.51 | $1,360.66 |
| Florida | $857.64 | $1,257.13 |
| New Jersey | $869.57 | $1,382.79 |
| U.S. Average | $538.73 | $1,009.38 |
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After that is comprehensive and collision auto insurance coverage.
This video from Erie Insurance explains the difference between collision and comprehensive coverage.
Coming in last is medical payments coverage.
Take a look at this chart to see how comprehensive auto insurance rates compare with liability rates in a sampling of states across the country. This will give you an idea of how your rates stack up with the rest of the U.S.
Average Monthly Comprehensive vs. Liability Auto Insurance Rate Comparison
Legend:
Comprehensive Coverage
Liability Coverage
California
Florida
Illinois
New York
Texas
25
50
75
100
125
150
175
200
225
250
275
$172
$64
$216
$126
$88
$34
$285
$93
$105
$105
In the end, focus on safety above all else. A safe vehicle will protect you and your passengers from injury, cost less to repair/replace, and give you the cheapest auto insurance premiums in the long run.
Tips for How to Find Cheap Auto Insurance Quotes Online
Is your car on the list of most stolen cars in America? If it is, you may be paying higher premiums than drivers of less frequently stolen vehicles. Any car can be stolen, but some are more vulnerable than others.
According to statistical data, car thieves usually target specific vehicles for specific reasons. These trends are reflected in low-cost automobile insurance premiums. But don’t despair: a good anti-theft device will help lower your premium and protect your investment.
The National Insurance Crime Bureau reports that the following cars have the highest risk of theft:
- Honda (HMC) Accord
- Honda Civic
- Ford F-150 (Full Size)
Shopping around is the best way to find an auto insurance quote that fits your needs and budget. That’s where we come in.
Use our FREE tool below to find cheap auto insurance quotes near you. Just enter your ZIP code to get started.
Enter your ZIP code below to compare auto insurance rates.
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Frequently Asked Questions: Cheap Auto Insurance
Hopefully, we’ve covered everything about cheap car insurance you wanted to know, but if you still have some questions, take a look at some commonly asked ones below.
#1 – Who has the cheapest car insurance?
As we’ve mentioned in the article above, auto insurance rates can be based on many things, including age, gender, and credit score. Additionally, insurance rates often differ from state-to-state, so you may be better off narrowing down your question, i.e., “What is the cheapest auto insurance in Texas?”
Learn about insurance in your state by visiting the National Association of Insurance Commissioners.
The best way to find great insurance is to determine your exact needs and wants. Some companies specialize in finding minimum insurance policies, including Good2Go Car Insurance, but it’s usually better to research for yourself.
#2 – Can you get car insurance and pay later?
There are some insurance companies out there that offer no downpayment insurance, though they are rare. You may have even heard about super-low rates, including 99 cent car insurance, but it’s important you heavily research those offers to make sure they’re legitimate.