Cheapest Auto Insurance Rates US

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

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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.

car-insurance-cost-infographic




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.

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New York Auto Insurance

New York Car Insurance Quotes

To find the best car insurance quotes you need to search. The odds of getting the lowest quote on your auto insurance is not likely from one or two insurance companies or brokers. Since there are a lot of companies selling car insurance in New York state, it’s vital to get competitive quotes from as broad an array of insurers as possible. Be True to You and find the best rates.

Auto, Truck and Motorcycle insurance shouldn’t be so expensive. It could be very inexpensive if you’re determined to keep searching and get quotes from all of the US insurance companies and brokers online. Don’t discount small insurance companies who may actually offer the lowest insurance rates due to how they limit their customer base and better tailor their automobile insurance products to specific customers in NYC, Queens, Brooklyn, Harlem, Yonkers, Rochester, Albany, Buffalo, Syracuse, Binghamton, Schenectady, Huntington, Utica and White Plains.

Your Quest — To Get The Lowest Car Insurance



What Does $10,000 Look Like in NY?

Ten thousand dollars
Save on Your Car Insurance

$10,000 looks good in NYC, Boston, Chicago, Denver or Los Angeles. That’s how much you could save over 6 years. You could buy new tires, take a trip to Costa Rica or Switzerland and have enough to buy a 60 inch LED 4K TV.

How long have you been with your tired old insurance company? A long time right? That’s how car and truck owners overpay on insurance. You need to shop because that’s the only pressure they face to offer you the best deal. And you want bigger savings than $10 a month. You can save a lot more. I got an auto quote that had a range of $2000 between highest and lowest. Maybe your company is the one that has the highest. Are you using any of the big auto insurance companies such as Geico, Progressive, Nationwide, Farmers, Allstate or State Farm? Get a better quote and keep your money.

Tips to Save on Car Insurance

I’ve outlined how you can save on car insurance premiums, and here on this page New York auto owners can find insurance companies, brokerages, and insurance agencies offering better rates to new customers. So come on, think positive and give these companies a chance to show what kind of super low rate auto insurance policy they can write on your vehicle and how you can drop or lower the premiums.

What to Look for When Getting Auto Insurance Quotes

tipstosavemoneyIt’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.

Should outright cancel your collision coverage? Tough decision, however it may save you some cash, or it might not save you much. Get quotes either way and see what the difference is. If the difference with no collision coverage on your auto policy is minimal then don’t do it. It’s better to get your old beater repaired if you smack into someone on icy roads. If you need your vehicle to get to work, then by all means, keep your collision coverage deductible.

Accidents do happen, especially in New York City, Los Angeles, Phoenix, Boston, Chicago, Miami, Houston or San Francisco.  Too many trucks, cars, and motorcycles on the roads and it won’t be getting less congested.

Being properly insured is an important matter. Check out this infographic for info on liability coverage:

Check out insurance liability coverage on your policy. Infographic courtesy of
Check out insurance liability coverage on your policy. Infographic courtesy of Liabilityinsurance.org




New York Auto Insurance Agents

Allstate Insurance Agent: Kevin Schaefer
49 Nassau St Fl 2,
New York, NY 10038, United States
212-267-7601

Allstate Insurance Agent: Elizabeth Nunez-Troy
1001 Columbus Ave,
New York, NY 10025, USA
212-666-3000

Allstate Insurance Agnet: James Heins
302 E 19th St,
New York, NY 10003, USA
212-475-1103

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I welcome all inquiries from businesses 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, Calgary, Kelowna, Mississauga, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Salt Lake City, Riverside, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, and Honolulu.