Good Cheap Auto Insurance Grab the Lowest Rate

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Good Cheap Auto Insurance is not too hard to find in most U.S. states, as long as you follow a few simple steps in securing the best deal on annual premium rates.


Below is table showing the average annual car insurance premiums for all U.S. states, ranked from most expensive to least expensive in 2013, 2014, and 2016. 


For the third year in a row, Michigan wins the booby prize for being the state with the most expensive car insurance, on average. The state with the cheapest average auto insurance premiums is Maine, once again. 

 

These average annual premiums by state for auto insurance were obtained from insure.com.



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Click on the name of any state highlighted in blue for a super reader-friendly guide to minimizing your car insurance costs in the state where you live. Learn about rates, carriers, all the many ways to score good cheap auto insurance discounts.



Good Cheap Auto Insurance


STATE                    AVG 2013   AVG 2014   AVG 2016

1.  Michigan              2,520          2,551          2,738

2.  Montana              1,914          2,013          2,297

3.  New Jersey          1,697          1,905          1,905

4.  Louisiana             2,699          1,971          1,842

5.  Oklahoma             2,074          1,568         1,778

6.  Washington DC     2,006          2,127          1,773

7.  California              1,819         1,962           1,752

8.  Florida                  1,364         1,830           1,654

9.   Maryland              1,528        1,810           1,610

10.  Rhode Island       1,735         2,020           1,608

11. Delaware             1,586         1,580           1,607 

12.  Georgia               2,155          2,201          1,559 

13.  Texas                  1,545         1,620           1,510

14.  West Virginia        1,816         2,518          1,456

15.  Wyoming              1,496        1,541           1,421

16.  Colorado               1,271       1,558           1,393

17.  Connecticut          1,723         1,638          1,367

18.  South Carolina      1,288         1,316          1,353

19.  Arkansas               1,545        1,399          1,345

20.  Alabama               1,667         1,529          1,337

21.  Massachusetts       1,625         1,604          1,325

22.  Pennsylvania          1,604        1,440          1,305 

23.  Kentucky              1,725         1,503           1,295

24.  Mississippi             1,345        1,385           1,277

25.  New Mexico           1,431        1,371           1,277

26.  Oregon                  1,387        1,333           1,267

27.  Minnesota              1,432        1,360           1,257

28.  Nevada                  1,341       1,388           1,221

29.  North Dakota         1,501        1,710           1,200


30.  Arizona                   1,227       1,222           1,188

31.  Nebraska                 1,384       1,317           1,188

32.  South Dakota           1,397       1,557           1,168

33.  Washington              1,226      1,499            1,168

34.  Tennessee               1,408       1,397           1,145

35.  Kansas                    1,435       1,358           1,135

36.  Indiana                   1,183        1,202           1,113

37.  Alaska                    1,455        1,605           1,078

38.  Utah                       1,438        1,192           1,061

39.  Missouri                  1,638        1,207           1,056

40.  New York                1,369        1,173           1,050

41.  Hawaii                    1,583        1,400           1,049

42.  Illinois                     1,322       1,370           1,035

43.  Virginia                    1,322       1,114           1,020

44.  Iowa                        1,028       1,058              989

45.  North Carolina          1,085       1,060              987

46.  Vermont                   1,176      1,149              942

47.  New Hampshire         1,112         983              941

48.  Idaho                        1,133      1,053              935

49.  Wisconsin                  1,228       1,087             912

50.  Ohio                          1,106          926             900

51.  Maine                           934          964             808



The National average annual premium on Good Cheap Auto Insurance reduced ever so slightly, from $1,510 in 2013 to $1,503 in 2014.

The national average for 2016 was $1,347. 



What Is Comprehensive Auto Insurance? 



Five Fast Facts About United States Auto Insurance

1.  Auto Insurance was first required for all vehicle owners in 1930, when the UK mandated coverage for all vehicles driven on public roads.

2.  Auto insurance is tax deductible for business purposes.

3.  Auto insurance rates are sometimes affected by the occupation of the policy holder. Teachers and Engineers get the deepest occupation-based discounts.

4.  Your credit score affects your car insurance rates, whether or not the carrier is willing to admit it.  It's harder to get Good Cheap Auto Insurance with bad credit.

5.  Personal items inside a damaged vehicle are NOT covered under most auto insurance plans.



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