It goes without saying that finding cheap car insurance for drivers with no recent accidents, traffic citations, or DUIs is much easier than for motorists who have a history of collisions or traffic offenses. If your insurance company considers you to be a low-risk driver, that means you’re less of a liability, which usually translates into more affordable premiums.
But with dozens of car insurance companies claiming to offer low cost auto insurance quotes, it’s not always easy to identify the best policy for your needs and budget. To take the guesswork out of the equation, our researchers compared rates from nine leading providers to find the best quotes for safe drivers in each state. The table below summarizes the results of our study:
|State||Cheapest Insurer||Monthly Premiumestimated|
|Alabama||Allstate||$117/month||Get a Quote|
|Alaska||State Farm||$94/month||Get a Quote|
|Arizona||Safeco||$113/month||Get a Quote|
|Arkansas||State Farm||$110/month||Get a Quote|
|California||Esurance||$134/month||Get a Quote|
|Colorado||State Farm||$101/month||Get a Quote|
|Connecticut||State Farm||$136/month||Get a Quote|
|Delaware||State Farm||$174/month||Get a Quote|
|Florida||State Farm||$166/month||Get a Quote|
|Georgia||State Farm||$110/month||Get a Quote|
|Hawaii||State Farm||$76/month||Get a Quote|
|Idaho||State Farm||$63/month||Get a Quote|
|Illinois||State Farm||$86/month||Get a Quote|
|Indiana||State Farm||$92/month||Get a Quote|
|Iowa||State Farm||$75/month||Get a Quote|
|Kansas||State Farm||$97/month||Get a Quote|
|Kentucky||State Farm||$110/month||Get a Quote|
|Louisiana||State Farm||$193/month||Get a Quote|
|Maine||State Farm||$72/month||Get a Quote|
|Maryland||State Farm||$136/month||Get a Quote|
|Massachusetts||Plymouth Rock Assurance||$70/month||Get a Quote|
|Michigan||State Farm||$215/month||Get a Quote|
|Minnesota||State Farm||$106/month||Get a Quote|
|Mississippi||State Farm||$113/month||Get a Quote|
|Missouri||State Farm||$112/month||Get a Quote|
|Montana||Allstate||$149/month||Get a Quote|
|Nebraska||Allstate||$120/month||Get a Quote|
|Nevada||State Farm||$88/month||Get a Quote|
|New Hampshire||Safeco||$82/month||Get a Quote|
|New Jersey||State Farm||$175/month||Get a Quote|
|New Mexico||State Farm||$100/month||Get a Quote|
|New York||State Farm||$210/month||Get a Quote|
|North Carolina||Allstate||$99/month||Get a Quote|
|North Dakota||State Farm||$80/month||Get a Quote|
|Ohio||State Farm||$87/month||Get a Quote|
|Oklahoma||Allstate||$144/month||Get a Quote|
|Oregon||State Farm||$121/month||Get a Quote|
|Pennsylvania||Allstate||$155/month||Get a Quote|
|Rhode Island||State Farm||$80/month||Get a Quote|
|South Carolina||Allstate||$144/month||Get a Quote|
|South Dakota||State Farm||$79/month||Get a Quote|
|Tennessee||State Farm||$99/month||Get a Quote|
|Texas||State Farm||$118/month||Get a Quote|
|Utah||Allstate||$144/month||Get a Quote|
|Vermont||State Farm||$100/month||Get a Quote|
|Virginia||State Farm||$80/month||Get a Quote|
|Washington||Safeco||$99/month||Get a Quote|
|Washington, D.C.||State Farm||$130/month||Get a Quote|
|West Virginia||State Farm||$90/month||Get a Quote|
|Wisconsin||Allstate||$129/month||Get a Quote|
|Wyoming||State Farm||$83/month||Get a Quote|
Our hypothetical safe driver had no major traffic citations or accidents within the past five years. The driver was age 29 and drove a 2014 Toyota Corolla for 12,000 miles per year. The estimated monthly premiums listed in the table above are based on average rates from males and females in five zip codes from each state. We used 50/100/25 limits for both liability insurance and uninsured motorist coverage.
Car Accident & Auto Insurance FAQs
When Is It Better Not To Report A Car Accident To My Auto Insurance Company?
You should always report a collision to your insurance company. Although your insurance premiums may increase, it is also possible that you will eventually find out that someone in the crash was seriously injured but their symptoms were not immediately apparent. If this happens and you are found to be at fault for the collision but you decided not to report your accident, your insurance company might deny your claim if you waited too long to file. As a result, you might wind up personally liable for another person’s medical bills and other damages, which could put you in overwhelming debt.
Can My Insurance Company Increase My Premiums After An Accident That Another Driver Caused?
The answer to this question depends on the state where you live. In most states, insurance companies are allowed to increase your rates if you are involved in a collision no matter who was liable. However, if you are located in California or Oklahoma, your insurance company cannot increase your rates after an accident unless you were found to be at-fault.
How Much Will My Car Insurance Increase After An Accident?
Our data indicates that on average, monthly car insurance premiums increase by 32% after causing one at-fault collision that results in moderate property damage. However, there are several factors that affect the rate increase including your insurance carrier and the state where you live.
Why Would My Insurance Company Increase My Rates If I Was Not Found At-Fault For The Crash?
It is not always clear who is at-fault in a collision, and it is often the case that multiple drivers share a percentage of liability. Also, insurance companies incur costs every time a policyholder makes a claim—even if the claimant was not found to be at-fault for the collision.
Am I Required By Law To Call The Police After An Accident?
The answer to this question varies by state. Although you are always required to contact the police if you are involved in an accident that causes an injury or death, some states do not require you to contact the police if nobody was injured. But it’s a good idea to contact law enforcement after any collision. An officer will create an accident report that contains important details about your wreck including the date, time, location, and cause. This report will be valuable evidence if the other driver’s account of what happened differs from yours.