Car insurance can vary wildly from state to state. Laws, regulations, and even the frequency of natural disasters can impact the price of a policy.
Here are the top ten cheapest states for car insurance in the country, and a few of these are going to be surprising.
Maine
With an average of $42, Maine is one of the lowest states for car insurance, dropping to $30 with State Farm. Full coverage can be found for under $100, dipping to $71 for residents of Concord. While it’s affordable, that’s not the lowest cost for insurance in New England.
Tennessee
Driving in the mountains of Tennessee is cheap thanks to Farm Bureau offering rates as low as $33. Full coverage, on average, is only $127, with a significant amount of choice for drivers and potential discounts dropping it to well under $100.
Wisconsin
Regional company Erie helps put Wisconsin on this list, offering liability coverage as low as $24. That’s less than the average cost of takeout in the state. Overall, at $42, the cost of insurance helps offset dealing with the annual snowstorms.
Nebraska
$39 on average for insurance makes it affordable for Corn Husker fans in Nebraska. For those who qualify, $25 through Farmers is almost enough to make someone want to move to the Midwest. The news for teens is even better, with the possibility of paying only $60 through Farmers.
Vermont
The cheapest New England state for auto insurance, Vermont’s average is only $35, dipping as low as $19 through State Farm. Going to see Barbie on the big screen cost more than that. Even with a traffic violation, drivers can pay as low as $55 for coverage in Vermont.
Iowa
The average is higher in Iowa than in Vermont, $37 to $35, but there are significant exceptions to that number. For one, drivers in Iowa have more options for cheap rates, with four companies offering rates from $20 to $24. Being able to shop around for the right rate at an eye-popping low rate places Iowa so high on this list.
Idaho
For the dozens of people that live in Idaho, a $34 average for coverage sounds great, but it gets better. State Farm has coverage as low as $19, but even after an accident, coverage only goes up to $63, one of the lowest options in the country. Even with poor credit, drivers report an average of $106 for coverage, significantly below the national average.
Wyoming
Drivers can insure their pick-ups and jeeps for as low as $31 in Wyoming, reaching $18 through Geico. Young drivers can pay as low as $52 through Geico, one of the best rates in the country. Auto insurance will not, however, cover any damage done to a 12-point buck laying on your truck bed in case of an accident.
South Dakota
Along the Black Hills of South Dakota, drivers can find the lowest rates in the country, with a $29 average, including five companies going under $100 for teenage drivers. Auto-Owners offers the cheapest option, at $20, but most companies have options for under $30, giving a huge selection of providers for drivers. Anyone attending the annual motorcycle rally in Sturgis however, should make sure their state’s coverage works while cruising at one of the wildest events in the country.
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