Find cheap car insurance in 8 easy steps Everybody wants cheaper car insurance, but how do you actually find it? Compare car insurance quotes from multiple companies to find the best coverage and price. Focusing solely on the lowest insurance rates is a mistake if you go without the coverage you need, so you should understand how to compare car insurance before making a decision. The whole point of insurance is to stand between you and financial disaster. However, with a little research, you should be able to find cheaper auto insurance without sacrificing important coverage. Comparison shop Bundle your auto and home insurance policies Raise your deductible but keep it affordable Ask for every discount that applies to you Buy the right type of car Keep a clean driving record Don't buy unnecessary insurance coverage Consider buying just the state-required minimum liability coverage 1. Comparison shop Sometimes, you'll get the best deal with your current car insurance company. But in many other cases, the road to the cheapest car insurance policy will take you elsewhere. In general, the more you pay for car insurance, the bigger the difference between insurance companies' rates. Every company calculates its own price, and they often differ by hundreds or even thousands of dollars. Comparison shopping can help you uncover cheap car insurance companies and auto insurance discounts. How often should you compare car insurance quotes to find the lowest premiums? Experts generally suggest looking around at least once a year -- but certainly at these times, when your rates are most likely to change dramatically: Purchasing a new or different car Combining cars on a multi-car insurance policy Adding or removing a driver Marriage Divorce Moving Adding a teen driver Home purchase DUI or major violation - review DUI insurance Accident Change in credit score For more information, see "7 reasons your car insurance rates drop." 2. Bundle your policies You already get cheaper rates if you are married or a homeowner because married people and homeowners tend to file fewer claims. But you can save even more by purchasing your home insurance and auto insurance policies from the same provider. According to data gathered for Insurance.com by Quadrant Information Services, the nationwide average car insurance discount given for bundling home and auto insurance is 8 percent. By bundling renters and car insurance a discount also applies, with the nationwide average being around 5 percent. The nationwide average homeowners insurance discount given for bundling is 20 percent. If you insure more than one car on your policy, you get a multi-car discount. Expect 10 to 25 percent savings off your collision, comprehensive and liability premiums. 3. Raise your deductible Simply raising your deductible from $250 to $500 can lower the collision or comprehensive portion of your premium by about 20 percent, according to the Insurance Information Institute. Remember, though, that a higher deductible means more money out of your pocket in the event of a claim. Cheap insurance can become expensive fast if you have to pay your deductible with a high-interest credit card. (See "How much can I save by raising deductibles?.") 4. Get all discounts for which you qualify Is your daughter a straight-A student? You may qualify for cheaper car insurance by obtaining a good student discount. Does your car have anti-theft deterrents? Your insurer may give you a price break because the car is less vulnerable to theft. Understand all the car insurance discounts you may qualify, so that you can get the cheapest insurance. 5. Buy the right type of car If you're shopping for new wheels, your choice of automobile can play a big role in getting lower insurance rates. Cars that cost less to repair or replace generally receive lower premiums. You'll also get better rates if your car has certain safety features. Insurance companies often give discounts for features such as anti-lock brakes, side airbags and automatic safety belts. Anti-collision technology is becoming popular in new vehicles; if your car is equipped with the new tech ask your agent if any discounts are available. 6. Avoid tickets and accidents A poor driving history can easily disqualify you from getting the cheapest car insurance. Insurers will check your record to see if you present a high level of risk. Speeding tickets, accidents, drunk driving citations – all can drive your insurance rates higher. Drive sensibly and cautiously and you'll be on the way to cheap car insurance by avoiding surcharges and receiving a good driver discount. (See "How much will a ticket affect my insurance rates?") 7. Don't carry unnecessary insurance coverage If you have an old beater, reduce your car insurance costs by dropping comprehensive and collision coverage. When should you make this move toward cheaper auto insurance? Many experts say it's time to drop these coverages when the actual cash value you’d receive for your vehicle doesn’t justify the insurance expense. Insurance.com auto insurance coverage calculator> Have an extra car in the household you can use if yours is in the shop due to an auto accident? If so, skip rental reimbursement coverage. Also, don't pay extra for personal injury protection or medical payment insurance (if they aren’t required by your state) if your family already has a good health insurance plan. 8. Consider buying just the state-required minimum liability coverage One way to get the cheapest car insurance available is to buy “bare bones” coverage, which typically is liability insurance at the lowest legal limits required by your state to legally drive a car. If you cause an accident, it pays for others’ property damage and medical bills and that’s it. It's important to remember that if you cause even a minor accident, minimum liability coverage probably won't be enough to pay for all the damage. That means you'll be paying out of your own pocket. Still, if you want to save money and your car is old or you don't drive much, it is one path to lower rates. Liability limits are usually written like this: 30/60/25. In this example, using Texas minimum requirements, the numbers show coverage that would pay: medical expenses of up to $30,000 per person medical expenses up to $60,000 per accident up to $25,000 for property damage Here are average annual rates for the cheapest car insurance coverage in every state, according to a rate analysis by Quadrant Information Systems for Insurance.com. Minimum car insurance rates by state Search: State Minimum car insurance requirements Minimum car insurance average rate Alaska 50/100/25 $426 Alabama 25/50/25 $638 Arkansas 25/50/25 $616 Arizona 15/30/10 $600 California 15/30/5 $723 Colorado 25/50/15 $646 Connecticut 25/50/25 $1,097 DC 25/50/10 $1,054 Delaware 25/50/10 $1,520 Florida 10/20/10 $1,058 Georgia 25/50/25 $743 Hawaii 20/40/10 $386 Iowa 20/4015 $403 Idaho 25/50/15 $546 Illinois 25/50/20 $543 Indiana 25/50/10 (effective July 1, 2018: 25/50/25) $633 Kansas 25/50/25 $526 Kentucky 25/50/25 $607 Louisiana 15/30/25 $909 Massachusetts 20/40/5 $866 Maryland 30/60/15 $958 Maine 50/100/25 $513 Michigan 20/40/10 $2,446 Minnesota 30/60/10 $864 Missouri 25/50/10 $506 Mississippi 25/50/25 $639 Montana 25/50/20 $467 North Carolina 30/60/25 $385 North Dakota 25/50/10 $512 Nebraska 25/50/25 $472 New Hampshire 25/50/25* $587 New Jersey 15/30/5 $1,086 New Mexico 15/50/10 $612 Nevada 15/30/10 (effective July 1, 2018: 25/50/20) $641 New York 25/15/10 $891 Ohio 25/50/25 $579 Oklahoma 25/50/25 $712 Oregon 25/50/20 $1,007 Pennsylvania 15/30/5 $560 Rhode Island 25/50/25 $1,026 South Carolina 25/50/25 $654 South Dakota 25/50/25 $431 Tennessee 25/50/15 $656 Texas 30/60/25 $783 Utah 25/65/15 $629 Virginia 25/50/20 $536 Vermont 25/50/10 $487 Washington 25/50/10 $671 Wisconsin 25/50/10 $578 West Virginia 25/50/25 $669 Wyoming 25/50/20 $410 State Alaska Alabama Arkansas Arizona California Colorado Connecticut DC Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Methodology: The table shows the average annual rate of 10 ZIP codes in the state for minimum coverage from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. In some states, uninsured motorist coverage and/or personal injury protection coverage is mandatory in addition to liability. For those states, these coverages are included in our average rate shown in the chart, though we list just the state minimum levels for liability. Data was provided for Insurance.com by Quadrant Information Services. New Hampshire doesn’t require drivers to have car insurance, but most drivers do, and we’ve listed what is mandated if you choose to carry coverage. Watch for pitfalls in coverage You can only go so far with discounts and comparison shopping. Some carriers can provide you a lower rate, but they do it by limiting coverage in ways you might regret in the event of an accident. For example, some companies limit coverage of permissive drivers or don't cover them at all. That is, if you lend your car to a friend who has an accident, your liability limits might be reduced or the claim might not be honored. The same discount policies might not extend to a rental car, as standard policies do.
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