Where Can You Buy the Cheapest Auto Insurance?
Which States and Cities boast the lowest auto insurance rates? Let’s look at the studies done and find the best and the worst, just so you don’t think your high rate is “just me.” Of course, the insurance companies are free to provide whatever pricing and coverage they like, regardless of which city or state you reside in. And you’re free to switch providers). Your neighborhood and credit rating may actually have more impact on your automobile, truck, or motorcycle insurance rates.
These are the latest average yearly prices for auto insurance as per insure.com’s annual survey. These results aren’t positively validated, however they’re a good indicator of auto and truck premiums across the US.
Insure.com used a company to create auto insurance quotes from 6 large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state.
We all know Michigan has the highest rates due to their lack of limits on liability. Looks like the gap has closed quite bit from Michigan’s rates to that of Montana and New Jersey.
| National Average Premium | $1,325.00 | |
| 1 | Michigan | $2,738.00 |
| 2 | Montana | $2,297.00 |
| 3 | New Jersey | $1,905.00 |
| 4 | Louisiana | $1,842.00 |
| 5 | Oklahoma | $1,778.00 |
| 6 | DC | $1,773.00 |
| 7 | California | $1,752.00 |
| 8 | Florida | $1,654.00 |
| 9 | Maryland | $1,610.00 |
| 10 | Rhode Island | $1,608.00 |
| 11 | Delaware | $1,607.00 |
| 12 | Georgia | $1,559.00 |
| 13 | Texas | $1,510.00 |
| 14 | West Virginia | $1,456.00 |
| 15 | Wyoming | $1,421.00 |
| 16 | Colorado | $1,393.00 |
| 17 | Connecticut | $1,367.00 |
| 18 | South Carolina | $1,353.00 |
| 19 | Arkansas | $1,345.00 |
| 20 | Alabama | $1,337.00 |
| 21 | Massachusetts | $1,325.00 |
| 22 | Pennsylvania | $1,305.00 |
| 23 | Kentucky | $1,295.00 |
| 24 | New Mexico | $1,277.00 |
| 25 | Mississippi | $1,277.00 |
| 26 | Oregon | $1,267.00 |
| 27 | Minnesota | $1,257.00 |
| 28 | Nevada | $1,221.00 |
| 29 | North Dakota | $1,200.00 |
| 30 | Nebraska | $1,188.00 |
| 31 | Arizona | $1,188.00 |
| 32 | South Dakota | $1,168.00 |
| 33 | Washington | $1,168.00 |
| 34 | Tennessee | $1,145.00 |
| 35 | Kansas | $1,135.00 |
| 36 | Indiana | $1,113.00 |
| 37 | Alaska | $1,078.00 |
| 38 | Utah | $1,061.00 |
| 39 | Missouri | $1,056.00 |
| 40 | New York | $1,050.00 |
| 41 | Hawaii | $1,049.00 |
| 42 | Illinois | $1,035.00 |
| 43 | Virginia | $1,020.00 |
| 44 | Iowa | $989.00 |
| 45 | North Carolina | $987.00 |
| 46 | Vermont | $942.00 |
| 47 | New Hampshire | $941.00 |
| 48 | Idaho | $935.00 |
| 49 | Wisconsin | $912.00 |
| 50 | Ohio | $900.00 |
| 51 | Maine | $808.00 |
Do you need luxury car insurance quotes?
Best Auto Insurance Rates by US City
Nerdwallet conducted a study of car insurance rates by city and published their findings. How do these rates compare to what you’re paying?
| Rank | City | State | Population | Average Car Insurance Premium |
|---|---|---|---|---|
| 1 | Winston-Salem | NC | 232,397 | $969.10 |
| 2 | Greensboro | NC | 273,419 | $1,089.58 |
| 3 | Raleigh | NC | 416,126 | $1,098.48 |
| 4 | Durham | NC | 233,210 | $1,100.50 |
| 5 | Charlotte | NC | 751,074 | $1,123.09 |
| 6 | Boise City | ID | 210,151 | $1,221.65 |
| 7 | Rochester | NY | 210,850 | $1,249.26 |
| 8 | Fayetteville | NC | 203,922 | $1,294.80 |
| 9 | Spokane | WA | 210,107 | $1,307.68 |
| 10 | Montgomery | AL | 213,132 | $1,375.82 |
| 11 | Des Moines | IA | 206,577 | $1,420.07 |
| 12 | Birmingham | AL | 211,458 | $1,429.36 |
| 13 | Albuquerque | NM | 552,801 | $1,442.01 |
| 14 | Anchorage | AK | 295,570 | $1,449.39 |
| 15 | Mobile | AL | 194,887 | $1,470.68 |
| 16 | San Diego | CA | 1,326,183 | $1,474.71 |
| 17 | Chesapeake | VA | 225,050 | $1,479.11 |
| 18 | San Jose | CA | 967,478 | $1,483.83 |
| 19 | Madison | WI | 236,889 | $1,490.36 |
| 20 | Chula Vista | CA | 247,514 | $1,490.56 |
| 21 | Virginia Beach | VA | 442,707 | $1,494.24 |
| 22 | Irvine | CA | 215,511 | $1,498.10 |
| 23 | Fremont | CA | 216,912 | $1,502.47 |
| 24 | Huntington Beach | CA | 192,868 | $1,510.83 |
| 25 | Pittsburgh | PA | 307,498 | $1,514.27 |
| 26 | Oxnard | CA | 199,917 | $1,519.11 |
| 27 | Fort Wayne | IN | 258,803 | $1,532.76 |
| 28 | Bakersfield | CA | 352,429 | $1,560.93 |
| 29 | Tallahassee | FL | 182,955 | $1,573.02 |
| 30 | Norfolk | VA | 242,628 | $1,591.95 |
(Chart above courtesy of Nerdwallet)
The Cost Breakdown of Car Insurance Premiums and Sources
This infographic provides a handy breakdown of costs related to auto insurance premiums.
Luxury Cars: Shop around for the Best high end automobile insurance.
Rates vary in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Toronto, Vancouver, Montreal, Ottawa, Oshawa, Hamilton, Newmarket, Richmond Hill, Oakville, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita, Henderson, Mesa, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu.
Car Insurance Los Angeles | Car Insurance Companies | Insurance SEO | Real Estate Agents | Auto Insurance Phoenix | Auto Insurance Boston | Car Insurance New York | San Diego Auto Insurance Quote | Denver Truck Insurance Quote | Quote for Insurance | Insurance Saving Tips | Sell Your Business | House Market Evaluation | Toronto Housing Forecast 2017/2018 | Los Angeles Real Estate Agents | US Weather Forecast | Digital Marketing Strategist Los Angeles | Millionaire Real Estate Agent | Lead Generation Company US | Real Estate
It’s tough to know when you’re getting a better quote on your New York auto policy when you’re not sure what it covers. There’s things you can save on and things you can improve on. Ask about accident forgiveness, rental vehicle coverage, rental replacement coverage, combining your home/contents insurance, usage-based coverage, higher deductible for collision damage, and getting lower rates for installing winter snow tires.