Cheapest Auto Insurance Rates US

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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