Cheapest Car Insurance States

Car insurance is a necessary expense for any driver. However, the cost of car insurance can vary depending on the state you live in. In this article, we will look at the cheapest car insurance states in the United States.

Methodology

Before we look at the cheapest car insurance states, let’s first discuss the methodology behind our research. We gathered data from various sources such as the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (III).

We analyzed the average cost of car insurance premiums in each state for the year 2021. The cost of car insurance is affected by various factors such as your age, driving history, and the type of car you drive. However, we only looked at the average cost of car insurance in each state.

Cheapest Car Insurance States

Based on our research, the following states have the cheapest car insurance rates:

State	Average Cost of Car Insurance
North Dakota	$330
Ohio	$343
Wisconsin	$355
Iowa	$363
Nebraska	$376

It is important to note that these rates are just averages and your individual car insurance premiums may vary depending on your personal circumstances.

North Dakota

North Dakota has the cheapest car insurance rates in the United States. The average cost of car insurance in North Dakota is $330 per year. This is due to the state’s low population and low traffic congestion. North Dakota also has a relatively low number of accidents compared to other states.

In addition, North Dakota has mandatory insurance requirements that require drivers to have liability insurance. This helps keep the cost of car insurance premiums low in the state.

Fun fact: North Dakota also has the lowest population density in the country!

Ohio

Ohio has the second-cheapest car insurance rates in the United States. The average cost of car insurance in Ohio is $343 per year. Ohio has a competitive car insurance market, which helps keep premiums low.

Additionally, Ohio has mandatory insurance requirements that include liability insurance and uninsured motorist coverage. This helps protect drivers and keep car insurance costs low.

Ohio is also known for its love of cars and its many car-related attractions such as the National Museum of the United States Air Force and the Mid-Ohio Sports Car Course.

Wisconsin

Wisconsin has the third-cheapest car insurance rates in the United States. The average cost of car insurance in Wisconsin is $355 per year. Wisconsin has a relatively low population and low traffic congestion, which helps keep car insurance premiums low.

Wisconsin also has mandatory insurance requirements that require drivers to have liability insurance and uninsured motorist coverage. This helps protect drivers and keep car insurance costs low.

Wisconsin is also known for its cheese, beer, and outdoor activities such as hiking and fishing.

Iowa

Iowa has the fourth-cheapest car insurance rates in the United States. The average cost of car insurance in Iowa is $363 per year. Iowa is a rural state with a low population, which helps keep car insurance premiums low.

Iowa also has mandatory insurance requirements that require drivers to have liability insurance and uninsured motorist coverage. This helps protect drivers and keep car insurance costs low.

Iowa is also known for its corn fields, covered bridges, and the Iowa State Fair.

Nebraska

Nebraska has the fifth-cheapest car insurance rates in the United States. The average cost of car insurance in Nebraska is $376 per year. Nebraska is a rural state with a low population and low traffic congestion, which helps keep car insurance premiums low.

Nebraska also has mandatory insurance requirements that require drivers to have liability insurance and uninsured motorist coverage. This helps protect drivers and keep car insurance costs low.

Nebraska is also known for its Cornhusker football team, the Omaha Zoo, and the Scotts Bluff National Monument.

FAQ

What affects the cost of car insurance?

The cost of car insurance can be affected by various factors such as your age, driving history, the type of car you drive, and the state you live in. Younger drivers and drivers with poor driving records typically pay higher car insurance premiums. Sports cars and luxury vehicles also tend to have higher insurance premiums.

What types of car insurance are required by law?

Each state has different requirements for car insurance. However, most states require drivers to have liability insurance, which covers damages and injuries you cause to others in an accident. Some states also require drivers to have uninsured motorist coverage, which covers damages and injuries you incur in an accident with an uninsured driver.

How can I lower my car insurance premiums?

There are several ways to lower your car insurance premiums such as:

• Shop around and compare prices from different insurance companies
• Take advantage of discounts such as safe driver discounts, low mileage discounts, and multi-policy discounts
• Drive a car with a high safety rating
• Increase your deductible
• Maintain a good driving record

Is car insurance mandatory in all states?

Yes, car insurance is mandatory in all states except for New Hampshire and Virginia. However, even in these states, drivers are still required to have some form of financial responsibility in case of an accident.

What is the minimum car insurance coverage required by law?

The minimum car insurance coverage required by law varies by state. However, most states require drivers to have liability insurance. The minimum amount of liability insurance required also varies by state.

Conclusion

The cost of car insurance can vary depending on the state you live in. However, based on our research, North Dakota, Ohio, Wisconsin, Iowa, and Nebraska have the cheapest car insurance rates in the United States. It is important to remember that your individual car insurance premiums may vary depending on your personal circumstances.