Where you park your car matters more than what car you drive. These 5 US states enjoy the lowest baseline auto insurance premiums nationwide.
Cheapest states feature lower urban congestion, aggressive anti-fraud statutes, modest litigation rates, and very low vehicle theft rates.
Idaho leads the nation with pristine rural demographics, low claim frequency, and reasonable state minimum insurance mandates.
Vermont drivers have among the highest rates of seatbelt compliance and lowest alcohol-involved fatalities, yielding rock-bottom loss costs.
Ohio boasts fierce carrier competition. Over 250 licensed insurers battle for market share, keeping prices disciplined across the state.
Despite snowy winters, Maines low highway speeds and strict statutory insurance enforcement keep claim losses remarkably contained.
Though New Hampshire does not mandate auto insurance, insured motorists benefit from low claim litigation and excellent road safety records.
In these states, fewer than 9% of drivers lack insurance (versus 28% in Florida), keeping uninsured motorist coverage premiums negligible.
Moving from a high-cost state like Florida to Idaho automatically reduces a two-car household insurance budget by up to $300 every month.
Access statutory minimum coverage limits, average premiums, and carrier rate filings for all 50 states and Washington DC.