Cheapest car insurance by state

Published 2026-09-17 · Last updated 2026-09-17.

Choose state + profile + vehicle

Choose your state first, because state rules set the floor: minimum liability requirements and whether factors such as credit or uninsured motorist cover are treated specially. Then choose your driver profile — for example clean record, teen/young driver, bad credit, or after DUI — and your vehicle type. The working tool on this page asks for exactly these three inputs plus your chosen cover level, and nothing else. It holds no insurer rates, no state price table, and no ranking.

If your profile includes a DUI, also read the after-DUI page (A12) and the SR-22 estimator (A4) before comparing, because a filing requirement can change which insurers will quote you. If you are a teen or young driver, read that page (A10) first for the family-policy questions to ask.

Your cheapest-profile result

The tool's result is a comparison plan, not a price or a winner. It returns: the inputs you chose, restated plainly; a checklist of what to hold constant across quotes (same limits, same deductible, same collision/comprehensive choice); the profile-specific questions to ask (for example, SR-22 filing for a DUI profile, or state credit rules for a bad-credit profile); and a blank comparison table you fill in from real quotes. The table has columns for insurer, limits, deductible, and your quoted annual premium — every price in it is one you enter from a real quote.

This design is deliberate. A tool that named a "cheapest insurer" for your state and profile without a live quote would be inventing a price. This tool instead makes your own quotes comparable, which is the only honest way to find your cheapest option.

Why cheapest varies by state

States differ in minimum cover, in how they treat uninsured drivers, in claim and repair costs, and in which insurers operate there. A state with high uninsured-driver rates makes uninsured motorist cover more valuable; a state with frequent hail or flooding changes comprehensive risk; a state that restricts credit-based pricing changes how a bad-credit profile is priced. None of that means one state is "cheap" and another "expensive" for you personally — your record, car, and cover still dominate.

ILLUSTRATIVE EXAMPLE — not a policy fact