How to find ‘car insurance near me’ with ease

When you search for the query 'car insurance near me,' one of your intent is to get cheap car insurance. However, always remember that the query 'car insurance near me' will not yield affordable car insurance. This is because your auto insurance rate is influenced by several factors, including your driving history, age, and vehicle type. However, there is another factor that has a considerable impact on it: where you live. Car insurance prices vary significantly by state, sometimes by hundreds of dollars or even thousands of dollars. 

 

Your ZIP code is also taken into account when calculating your vehicle insurance rate. For both the motorist and the insurer, each ZIP code reflects a different amount of risk. Certain regions are riskier than others, whether due to accidents, thefts, or graffiti, so there are such disparities between states. 

 

So when you look for the query 'car insurance near me', you will have to keep the above points in mind.  

 

The cost of auto insurance in different states can range from a few hundred dollars to nearly a thousand dollars. To figure out why your state's rates are established the way they are, think about the various elements that could be at play, such as principal claim reasons. The typical automobile insurance prices for each state are shown below as a starting point for your study. However, your prices may vary depending on personal characteristics. 

 

Knowing your state's regulations is helpful when it comes to cheap auto insurance because you'll almost always be forced to obtain at least your state's minimum liability coverage. In many places, the basic liability coverage is insufficient to protect you from high costs if you are involved in a significant accident. In addition, if your medical bills surpass your insurance coverage, you will be responsible for the balance. 

 

The average rates in each state are listed in the table below. The 'Average cost of coverage' column represents the average annual premiums paid by drivers in the state for auto insurance. 

 

State 

Avg minimum coverage 

Avg full coverage 

Alabama 

$477 

$1632 

Alaska 

$381 

$1569 

Arizona 

$567 

$1557 

Arkansas 

$477 

$1929 

California 

$741 

$2076 

Colorado 

$528 

$2028 

Connecticut 

$801 

$1857 

Delaware 

$798 

$1788 

Florida 

$1110 

$2370 

Georgia 

$765 

$1998 

Hawaii 

$369 

$1137 

Idaho 

$318 

$1059 

Illinois 

$453 

$1485 

Indiana 

$378 

$1266 

Iowa 

$261 

$1272 

Kansas 

$420 

$1707 

Kentucky 

$756 

$2136 

Louisiana 

$984 

$2730 

Maine 

$303 

$972 

Maryland 

$774 

$1887 

Massachusetts 

$519 

$1230 

Michigan 

$948 

$2319 

Minnesota 

$543 

$1650 

Mississippi 

$501 

$1791 

Missouri 

$474 

$1671 

Montana 

$351 

$1746 

Nebraska 

$342 

$1542 

Nevada 

$870 

$2253 

New Hampshire 

$396 

$1287 

New Jersey 

$857 

$1761 

New Mexico 

$396 

$1425 

New York 

$1071 

$2331 

North Carolina 

$420 

$1332 

North Dakota 

$294 

$1272 

Ohio 

$336 

$1041 

Oklahoma 

$431 

$1881 

Oregon 

$621 

$1353 

Pennsylvania 

$435 

$1482 

Rhode Island 

$759 

$2025 

South Carolina 

$567 

$1521 

South Dakota 

$282 

$1656 

Tennessee 

$381 

$1347 

Texas 

$531 

$1833 

Utah 

$534 

$1314 

Vermont 

$303 

$1212 

Virginia 

$447 

$1311 

Washington 

$471 

$1185 

Washington, D.C. 

$711 

$1869 

West Virginia 

$468 

$1506 

Wisconsin 

$342 

$1194 

Wyoming 

$282 

$1506 

 

 

When comparing car insurance rates, keep in mind that the cost will vary depending on your age, driving history, region, car, and discount eligibility. As a result, you may end yourself paying more or less than the average price. These ranges might help you figure out how much coverage you'll need and how much you'll spend for it. Full coverage, which includes collision and comprehensive coverage, is, for example, more expensive than a liability-only policy. Full coverage may help pay for damage to your car caused by accidents or other items, but it may not cover other costs. As a result, you may choose to add on more coverages and pay more than the state average. 

 

Car insurance in the most expensive states 

Louisiana 

Louisiana drivers pay $2730 for full coverage insurance, the most costly in the US, compared to the national average of $1683. Several factors contribute to this, including the increased number of accident lawsuits, many uninsured drivers, increased traffic congestion, the danger of accidents, expensive auto repair, and more severe weather. 

Florida 

One of the significant factors contributing to Florida's high vehicle insurance costs is the state's sensitivity to extreme weather. Every year, storms, hurricanes, and floods hit the state, inflicting vehicle damage and raising insurance company risks. In addition to low statutory coverage levels, Florida has the most significant percentage of uninsured motorists (20.4%). Florida pays roughly $700 more in automobile insurance than the national average. 

Michigan 

Michigan's pricey automobile insurance market is primarily due to the state's highest minimum coverage requirement in the country. Motorists in Michigan are required to carry personal injury protection and medical payment coverage in addition to the standard liability, bodily injury, and property damage coverage. Claim fraud is on the rise in the state, which also has a high population density and a high percentage of uninsured drivers. 

 

Car insurance is the cheapest in the following states. 

Maine 

Maine is considered one of the least congested states in the United States, making it a safer location to travel with a decreased likelihood of accidents. It also has the lowest percentage of uninsured drivers (4.9%). These variables combine to make Maine the cheapest state for vehicle insurance, with full coverage costing only $972 per year. 

Vermont 

With a low population density, fewer cases of car theft, and fewer uninsured drivers, Vermont is one of the most affordable states for vehicle insurance, costing $1212 per year. More rural areas mean less traffic, a lower likelihood of accidents, and a safer driving environment overall. 

Idaho 

Nearly 40% of Idaho drivers are between the ages of 30 and 54, with typically lower rates than those of younger and older age groups. This could explain why the state's rates are lower than the national average. Furthermore, certain cities are less densely populated than others and have shorter travel times, lowering the likelihood of traffic accidents. 

 

States that are fault-free 

The sort of state you live in affects your auto insurance rate as well. Some states are regarded as no-fault, while others, known as tort states, are regarded at-fault.  

 

The 12 no-fault states are listed below: 

• Florida 

• Michigan 
• New Jersey 
• New Yor 
• Pennsylvania 
• Hawaii 

• Kansas 
• Kentucky 
• Massachusetts 
• Minnesota 
• North Dakota 

• Utah 

In a no-fault state, regardless of who caused the accident, each party files a claim with their auto insurance to assist with minor medical expenditures. Personal Injury Protection (PIP) is often mandated for drivers in no-fault states to cover these medical costs. After an accident, no-fault states can still determine liability and depending on the state. The guilty person may be liable for property damage and medical expenses that surpass a particular level.  

 

In at-fault jurisdictions, the at-fault driver compensates the other motorist for their losses, including bodily injury and property damage. In contrast, the not-at-fault motorist is not obligated to file their medical expenditures with their insurer.