Average car insurance cost by state
How much car insurance is in your state can vary wildly from another. That’s because states have different minimum requirements along with different risks for driving on their roads.
|State||Average car insurance cost||Average monthly car insurance cost|
Average monthly insurance rate for Top 20 best selling vehicles of 2019
We ranked the top-selling 2019 car models and their monthly car insurance cost, so you can see how your car compares to others on the market.
|Rank||Car model||Monthly insurance rate|
|1||Ford F-Series (F-150)||$157|
|2||Ram Pickup (1500)||$148|
|13||Jeep Grand Cherokee||$220|
Get car insurance quotes from top companies
What type of insurance policy is cheapest?
Every driver needs basic liability coverage as required by their state, and just getting the minimum coverage is your cheapest option. But your car insurance cost will vary depending on other coverage you’re adding, along with extra policy features.
To get the cheapest insurance policy while balancing solid protection, consider these three factors:
- Type of coverage. A full coverage policy naturally costs more than basic, state minimum coverage. If you’re financing your car, your lender probably requires you to have this wide coverage with both collision and comprehensive coverage.
- Deductible. The deductible is the amount you’ll pay before your insurance company kicks in for repairs, and you choose that amount when signing up for a policy. A higher deductible means lower premiums and vice versa because your insurer won’t pay as much up front for claims.
- Additional options. A policy can add extra protection for your car, like roadside assistance, rental car reimbursement or total loss coverage. If one company includes these extras in your policy at no cost, that policy will bring you added value.
How can I save on car insurance?
You have little control over some factors that affect car insurance, but there are still some steps you can take to reduce your premiums.
- Bump your credit up. Drivers in California, Hawaii and Massachusetts don’t have to worry about this one, but everyone else can save hundreds of dollars by maintaining a good or excellent credit score.
- Don’t make small claims. As long as no one else was involved, you could pay less out of pocket to repair minor damage rather than claiming it on insurance.
- Avoid traffic violations. A trail of traffic violations will follow you around and keep bumping up your car insurance costs.
- Match policy to use. Try finding a policy that suits your typical car use. For example, if you only drive your vintage car six months out of a year, you can get a major discount with usage-based insurance.
- Try aftermarket security. Even if your car was missing important security features when you bought it, you can still install aftermarket systems. VIN etching, for example, is relatively cheap but can make a big difference. Remember that not all insurers will recognize all security systems, so check in advance.
- Consider a safer car. If you’re in the market for another car, look for one with high safety ratings, modest engine power and a modest ticket price. Start by looking at the cheapest car models for insurance and going from there.
While you can’t change every factor that plays into your car insurance cost, like your ZIP code or your age, you can find the right policy at the cheapest price available to you.
Common questions about car insurance costs
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