Minimum Car Insurance
All states have a state minimum car insurance requirement. Find out what coverage you need to be safe on the road.
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Compare Car Insurance Companies
We work with the most reliable auto insurance companies in America to get you the lowest insurance prices available.
| Age | State Minimum Rates | Full Coverage Rates |
|---|---|---|
| 20 | $1,817 | $3,667 |
| 21 | $1,615 | $3,287 |
| 22 | $1,406 | $3,287 |
| 23 | $1,297 | $2,673 |
| 24 | $1,220 | $2,511 |
| 25 | $1,140 | $2,350 |
| Age | State Minimum Rates | Full Coverage Rates |
|---|---|---|
| 18 | $2,302 | $4,427 |
| 19 | $2,111 | $4,111 |
| Age | State Minimum Rates | Full Coverage Rates |
|---|---|---|
| 40 | $865 | $1,668 |
| 45 | $832 | $1,591 |
| 50 | $761 | $1,492 |
| 55 | $730 | $1,406 |
| 60 | $728 | $1,406 |
| 65 | $698 | $1,343 |
| 70 | $747 | $1,443 |
| U.S. State (Cheapest to Most Expensive) | Premium |
|---|---|
| Idaho | $574 |
| Iowa | $599 |
| South Dakota | $616 |
| Maine | $618 |
| North Dakota | $638 |
| North Carolina | $655 |
| Wyoming | $657 |
| Wisconsin | $665 |
| Indiana | $666 |
| Vermont | $680 |
| Nebraska | $682 |
| Montana | $693 |
| Kansas | $698 |
| Ohio | $703 |
| Alabama | $723 |
| Arkansas | $736 |
| Tennessee | $738 |
| Missouri | $745 |
| Virginia | $751 |
| New Mexico | $763 |
| Hawaii | $765 |
| New Hampshire | $775 |
| Utah | $784 |
| Minnesota | $788 |
| Kentucky | $802 |
| Illinois | $804 |
| Oklahoma | $824 |
| Mississippi | $827 |
| Oregon | $828 |
| California | $841 |
| Arizona | $844 |
| SouthCarolina | $854 |
| West Virginia | $855 |
| Colorado | $857 |
| Alaska | $872 |
| Pennsylvania | $878 |
| Washington | $884 |
| Georgia | $897 |
| Texas | $934 |
| Nevada | $985 |
| Maryland | $1,017 |
| Connecticut | $1,049 |
| Massachusetts | $1,059 |
| Delaware | $1,146 |
| Rhode Island | $1,148 |
| Florida | $1,185 |
| Washington D.C. | $1,190 |
| Michigan | $1,231 |
| Louisiana | $1,232 |
| New York | $1,235 |
| New Jersey | $1,266 |
Why Compare Auto Insurance Rates?
You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).
Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.
To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!
How To Get The Best Auto Insurance Rates
Make sure you’re saving the most by avoiding these common auto insurance pitfalls.
Update your relationship status.
Married drivers typically pay less for car insurance. Combine your auto insurance policies and you could be saving approximately 10 to 12 percent.
*Edmunds estimates the average savings for married couples is 10-12 percent. On average, a 20-year-old female pays 22 percent less when she is married.
Don't forget you're a homeowner.
If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.
*Data provided by ValuePenguin
Be aware of how your credit score affects your insurance rate.
Those with average credit scores paid $214 a year more on their auto insurance policies than similar drivers with high credit scores.
*Data provided by Consumer Reports
Don't over-report your mileage.
Do you commute? Use your car for pleasure only? If you've started driving less since the last time you reported your mileage, recalculate. It could reduce your premium by 5-10 percent.
*Data provided by Consumer Federation of America
Research multiple car insurance companies.
With hundreds of auto insurance companies in the U.S. market, comparison shopping could be saving you over a thousand dollars a year. Get started now on Compare.com.
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