Cheapest Car Insurance by State
Published on June 27, 2025
Finding affordable car insurance can save you hundreds of dollars annually. Insurance rates vary significantly by state due to factors like population density, weather patterns, and state regulations.
Top States with Cheapest Car Insurance
Based on recent data, here are the states with the most affordable car insurance rates:
• Maine: Average annual premium $845
• Vermont: Average annual premium $892
• New Hampshire: Average annual premium $923
• Idaho: Average annual premium $967
• Iowa: Average annual premium $1,021
Tips to Find Cheap Car Insurance
Regardless of your state, you can reduce your car insurance costs by:
• Comparing quotes from multiple insurers
• Maintaining a clean driving record
• Taking advantage of available discounts
• Choosing higher deductibles
• Bundling with other insurance policies
Remember to compare not just prices, but also coverage options and customer service ratings when choosing your car insurance provider.