What counts as cheap auto insurance will be different depending on where you live, as rates vary widely from state to state.
For the sake of comparison, we found the cheapest car insurance company for minimum coverage, on average, in each state and Washington, D.C.
State | Cheapest company | Average annual rate |
|---|---|---|
Cincinnati Insurance | $301 | |
$305 | ||
Noblr | $278 | |
$243 | ||
$207 | ||
$165 | ||
$555 | ||
California Casualty | $586 | |
$338 | ||
$328 | ||
$318 | ||
$108 | ||
$304 | ||
$229 | ||
$158 | ||
$249 | ||
Kentucky Farm Bureau | $421 | |
Southern Farm Bureau Casualty | $505 | |
Concord Group | $288 | |
Cumberland Mutual | $478 | |
Preferred Mutual | $309 | |
$139 | ||
Westfield | $323 | |
$335 | ||
Missouri Farm Bureau | $268 | |
$209 | ||
$109 | ||
$396 | ||
Concord Group | $287 | |
$280 | ||
Central Insurance | $152 | |
NYCM | $463 | |
North Carolina Farm Bureau | $350 | |
North Star | $254 | |
Central Insurance | $193 | |
$278 | ||
$436 | ||
$276 | ||
$501 | ||
$186 | ||
$184 | ||
$225 | ||
$396 | ||
QBE | $368 | |
Union Mutual | $171 | |
$320 | ||
Pemco | $193 | |
$319 | ||
Westfield | $319 | |
Integrity | $173 | |
$145 |
But state averages can tell you only so much. Even within a state, car insurance rates for minimum coverage can differ. That’s why NerdWallet analyzed rates for some of the largest cities in the U.S.
Choose your city in the dropdown below to see the cheapest car insurance rates in your area.
