Find the Cheapest Auto Insurance in Your State

The national average is $167/month for full coverage and $72/month for liability only in 2026. Your actual rate depends heavily on your state, age, driving record, vehicle, and the insurer you choose. See our full breakdown in How Much Is Car Insurance Per Month.

Vermont is the cheapest state at an average of $98/month for full coverage, followed by Maine ($102), Idaho ($105), and Ohio ($108). Michigan is the most expensive at $298/month. See the full state-by-state ranking.

If your car is financed or leased, full coverage is required by your lender. If your car is paid off and worth less than $5,000, liability-only may be more cost-effective. The right answer depends on your break-even calculation. We walk through it in detail in our Full Coverage vs Liability guide.

The most effective strategies are: compare 3+ quotes (saves $400+ on average), bundle home and auto, raise your deductible, use a telematics program like Snapshot or DriveEasy, maintain a clean driving record, and ask about good student or low-mileage discounts. New drivers should also consider staying on a parent policy until age 25.

An at-fault accident raises your rate by 49% on average and stays on your record for 3 years. Rates vary by insurer — USAA raises rates by 28%, while Allstate raises by 58%. Not every accident is worth filing. See our full guide on Car Insurance After an Accident.

An SR-22 is not insurance — it is a Certificate of Financial Responsibility that your insurer files with the state. You need one after a DUI, driving uninsured, or having your license suspended. It typically costs $15-50 to file and must be maintained for 2-3 years. Read our full SR-22 guide.