Car Insurance

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.