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Where to Find Cheap Full Coverage Car Insurance

Every state in the U.S. requires licensed drivers to purchase at least three types of insurance: per-person bodily injury coverage, per-accident bodily injury coverage and per-accident property-damage coverage. Unless a driver possesses these three types of protection, they are driving illegally. In fact, of the 247 million drivers on the road, 32 million of them are uninsured. The uninsured driver is vulnerable to tickets, fines, points, a license suspension and the loss of their vehicle. But just because a law-abiding citizen complies with a state's bare-bones insurance requirements does not mean they are free from exorbitant out-of-pocket expenses. Indeed, that's why many auto insurance customers purchase—and most companies recommend—"full coverage" car insurance. Buying it may keep costs down in the long-run.

What Is Full Coverage Car Insurance?

Full-coverage car insurance includes not only the three state-stipulated basics—per-person bodily injury coverage, per-accident bodily injury coverage and per-accident property-damage coverage—but also two other types of protection: collision coverage and comprehensive coverage.

Collision Insurance: What Does it Cost?

Collision coverage pays for damage to your car that has resulted from a collision with another car, a telephone pole, a stop sign or any other object. It also pays for damage that results from your car flipping over or hitting a pothole. In short, collision coverage reimburses you for the costs of repairing your car, less the deductible. The Insurance Information Institute calculates the average cost of collision insurance to be about $290 a year.

Comprehensive Insurance: What Does it Cost?

Comprehensive coverage pays for damage to your car that was not caused by a collision. This type of protection can save you a lot of money, especially when you consider the range of risks it covers: contact with animals; natural disasters, such as earthquakes, floods, hurricanes, tornadoes and volcanic eruptions; fire; riots and vandalism; theft of the entire car or the car's parts, such as an airbag; fallen objects, such as trees, branches, ice or projectiles; and broken windshields. The Insurance Information Institute calculates the average cost of comprehensive protection to be about $135 a year.

The Benefits of Having Both Collision and Comprehensive Insurance

Full-coverage car insurance protects against both active and passive events—that is, damage to a car that was caused by that car's driver (your car collides with a tree) and damage to a driver's car that was not caused by that driver (a falling tree collides with your car). Full-coverage car insurance mitigates two worlds of risk. 

Who Needs Full Coverage Car Insurance?

Drivers who are leasing or financing their vehicle are usually required to purchase full-coverage insurance. However, since full-coverage auto insurance can easily pay for itself, insurance customers of all stripes should consider full-coverage car insurance.

But how much is full coverage? Just enter your zip code, and SmartFinancial will compare quotes from 85-year-old Geico to a year-old start-up. Whether you're seeking liability insurance or full coverage with low premium rates, it doesn't matter if you have good credit, bad credit or no credit: SmartFinancial can help. 

The Cheapest Way to Get Full Coverages

Do you want to change your existing coverages, reduce your costs and pay less? Expand your coverages but pay less for your deductible? Lower the cost of your automobile coverages but raise your liability protection? Add a driver to your policy or pay less because you moved to a new zip code? Again, SmartFinancial can help: Just enter your zip code for free quotes. You also have the option to speak with a live agent at 855-214-2291. The service is free.

Is Cheap Full-Coverage Insurance Possible?

Since every company assesses risk in different ways, there is a range of prices for the same amount of liability insurance, and this applies to full-coverage car insurance. 

When assessing risk and liability for a car insurance policy, car insurance companies look at many factors. For example, an insurance company could consider the make and model of the car as well as the car's on-board safety devices and general safety record. To further assess risk and liability, an insurance company could consider the customer's age, gender, driving record, credit score and place of residence, to name a few.

For example, let's look at just one factor: the place of residence. Whether or not you are purchasing full-coverage protection, this one data point could affect your overall rate. For example, according to SmartFinancial's in-house calculations, the following states offer the cheapest auto insurance rates

Average Rates Per State  

State Avg Monthly Rate 12-month Premium
Maine$69.34$832.08
Idaho$72.52$870.24
North Carolina$75.77$909.24
Iowa$84.25$1,011.00
Vermont$84.77$1,017.24
Tennessee$86.25$1,035.00
Indiana$86.78$1,041.36
Ohio$87.07$1,044.84
Wisconsin$88.24$1,058.88
Nebraska$91.55$1,098.60

Your residence will affect your insurance quotes. The coverage costs also vary according to the neighborhood in which you live and park—for example, full coverage car insurance will cost less for a motorist who lives in the country than one who lives in the city.

Keeping in mind the power of your zip code, it is easy to see why car insurance quotes vary so widely, depending on the insurance company and the individual insurance customer. 

Homeowners get price breaks on full-coverage car insurance and so do married people. Your credit score can hurt you if it's low, but you can always improve upon your credit rating to see costs go down. People who pay bills on time have good credit and can easily get cheap car insurance.

Find Cheap Car Insurance in Your State

How Can I Get Full-Coverage Car Insurance for Cheap?

The best way to get cheap full-coverage car insurance, including cheap full coverage, is to compare car insurance quotes with other car insurance quotes. In fact, cheap car insurance is a possibility for most drivers. For example, the Insurance Information Institute recommends taking a higher deductible to reduce your auto insurance expenditures. SmartFinancial's expert team of fully licensed agents can help you find the insurance policies you need for cheap. The company's AI-analyzed rates are based on real-time prices, so if you're looking for full-coverage car insurance, personal injury protection, a low deductible, a low premium or any other coverages, a SmartFinancial agent can pinpoint the right company and the right policy for you. For a free consultation, just enter your zip code or call 855-214-2291. 

The Cheapest Auto Insurance in My State

It stands to reason that you can get cheap full-coverage auto insurance at the same company that offers you cheap car protection. SmartFinancial uses artificial intelligence, machine learning and cutting-edge algorithms to find cheap car insurance, even full-coverage car insurance. 

Here are the cheapest car insurance companies in each state and required minimum coverages for bodily injury and property damage. When looking for basic or full-coverage insurance, keep in mind that rates change daily. 

Alabama, Alaska, Arizona and Arkansas

Alabama's monthly rate is about $102. The insurance firms with the cheapest monthly rates are Direct Auto ($76), USAA ($111.41), Travelers ($118.64), Country ($120.51) and Auto-Owners Insurance ($140.56). Every vehicle owner in the Yellowhammer State must carry liability insurance in the amounts of $25,000 per person for bodily injury or death, $50,000 per crash for bodily injury or death to multiple people and $25,000 to cover damage to what someone else owns. In addition, most licensed drivers are required to carry a minimum of $25,000 per person and $50,000 per accident of uninsured motorist coverage. But this ensemble does not include full coverage, which will raise your premium slightly.

Alaska's average monthly rate is $124. USAA ($88.40), State Farm ($117.85), Umialik ($142.56), and Allstate ($185.68) are the auto insurance firms with the cheapest monthly rates. Every vehicle owner in the Last Frontier State must carry bare-bones coverage of $50,000 per person for injury, $100,000 per crash for injury and $25,000 to cover damage to another's property. But this package does not include full coverage or personal injury protection. Full-coverage auto insurance is likely to be the cheapest in Ketchikan and the most expensive at Elmendorf Air Force Base.

Arizona's monthly rate is about $112. The firms with the cheapest monthly rates are Safeco ($99.26), USAA ($108.12), Ameriprise Group ($109.70), Farm Bureau Mutual ($115.19) and CSAA ($131.20). Every vehicle owner in the Grand Canyon State must carry coverage in the amounts of $15,000 per person for injury, $30,000 per accident for injury for two or more people and $10,000 to cover damage to what someone else owns. Arizona drivers who are deemed safe motorists may qualify for reduced auto insurance rates, thereby reducing the overall price of full coverage insurance.

Arkansas's average monthly rate is $115. The insurance companies with the cheapest monthly rates are USAA ($78.02), Direct Auto ($109.20), State Farm ($109.75), Southern Farm Bureau ($115.53) and Safeco ($128.05). These firms will likely offer the cheapest full coverage. In the Natural State, every vehicle owner is required to carry liability insurance, at the very least, of $25,000 per person for injury, $50,000 per crash for injury, and $25,000 to cover damage to another's property. Arkansas does not require collision insurance or collision coverage, but a driver can reduce costs and save.

California, Colorado and Connecticut

California's monthly rate is about $159. The auto insurance firms with the cheapest monthly rates are Esurance ($144.04), Unitrin ($161.93), USAA ($163.85), Mercury ($174.61) and Allstate ($179). The Golden State is an at-fault entity, and its motorists must carry liability insurance in the amounts of $15,000 per person for injury, $30,000 per crash for injury, and $5,000 to cover damage to what someone else owns. But this package does not include full coverage or personal injury protection. Besides considering full-coverage insurance, you might want to first up that paltry $5,000 property damage coverage. If your record marks you out as a high-risk driver, you might qualify for auto insurance through the California Automobile Assigned Risk Plan.

Colorado's average monthly rate is $138. USAA ($101.49), State Farm ($143.93), Auto-Owners ($160.57) , Esurance ($168.50) and Allstate ($170.52) are the auto insurance firms with the cheapest monthly rates. Every vehicle owner in the Centennial State must carry bare-bones coverage of $50,000 per person for  injury, $100,000 per crash for injury and $25,000 to cover damage to another's property. However, this package does not include full coverage or personal injury protection.

Connecticut's monthly rate is about $137. The auto insurance firms with the cheapest monthly rates are USAA ($118.89), State Farm ($142.41), Travelers ($172.18), Utica National ($175.01) and Nationwide ($184.91). Every Nutmeg State vehicle owner must carry coverage in the amounts of $20,000 per person for injury, $40,000 per crash for injury, and $10,000 to cover damage to what someone else owns. However, don't assume the limits required by Connecticut law will be enough: Shop around for cheap full-coverage insurance if your car is worth more than $4,000. 

Delaware

Delaware's average monthly rate is $129. The auto insurance firms with the cheapest monthly rates are USAA ($77.81), State Farm ($141.82), Atlantic States ($150.88), Travelers ($156.60) and Nationwide ($182.71). Every vehicle owner in the Diamond State must carry coverage of $15,000 per person for injury, $30,000 per crash for injury and $10,000 for damage to what someone else owns. But bare-bones coverage leaves you vulnerable to lots of potential out-of-pocket expenses, so consider collision-and-comprehensive full coverage auto insurance.

Florida

Florida's average monthly rate is $216.  The auto insurance firms with the cheapest monthly rates are State Farm ($179.97), Direct Auto ($181.35), Allstate ($236.72), 21st Century ($250.39) and Direct General ($268.10). Vehicle owners in the Sunshine State must carry bare-bones coverage in the amounts of $10,000 per person for injury, $10,000 per crash for injury and $10,000 for damage to what someone else owns. But this ensemble does not include full coverage, which will raise your premium only slightly. Most lenders in Florida demand collision and comprehensive coverage. Instead of going without it if it's not required, consider raising your deductible to save on monthly premiums. 

Georgia

Georgia's monthly rate is about $142. The auto insurance firms with the cheapest monthly rates are USAA ($129.67), Auto-Owners ($144.35), State Farm ($150.28), Georgia Farm Bureau ($151.19) and Country ($173.60). In the Peach State, car owners must carry bare-bones coverage in the amounts of $25,000 per person for injury, $50,000 per crash for injury and $100,000 for damage to another's property. Full-coverage insurance will be the cheapest in the cities of Cleveland, LaFayette and Blue Ridge.

Hawaii

Hawaii's average monthly rate is $110. The companies with the cheapest monthly rates are USAA ($86.08), State Farm ($103.32), Allstate ($121.78) and AIG ($223.09). In the Aloha State, auto protection must cover the minimum amounts of $20,000 per person for injury, $40,000 per accident for injury and $10,000 for damage to what someone else owns. Since minimums are not always enough after a crash, full-coverage auto insurance, which includes comprehensive and collision, is a wise purchase. 

Idaho, Illinois, Indiana and Iowa

Idaho's monthly rate is about $73. American National P&C ($41.78), USAA ($56.48), Safeco ($72.80), State Farm ($76.31) and General Casualty ($81.23) are the auto insurance firms with the cheapest monthly rates. These firms will likely offer the cheapest full coverage, but cheap full coverage can be had elsewhere. The Gem State's bare-bones auto insurance must cover $25,000 per person for injury, $50,000 per crash for injury and $15,000 for damage to what someone else owns. Your annual rate will vary from company to company and policy to policy.

Illinois's average monthly rate is $102.  The insurance companies with the cheapest monthly rates are Secura ($103.99), Pekin ($107.79), Country ($108.98), Safeco ($109.44) and State Farm ($112.07). While most firms offer full-coverage car insurance, Prairie State drivers must acquire coverage in the amounts of $25,000 per person for injury, $50,000 per crash for injury and $20,000 for damage to what someone else's owns. Since Illinois is an at-fault state, additional comprehensive and collision insurance can help to defray your costs in the event of an accident.

Indiana's monthly rate is about $87. The auto insurance firms with the cheapest monthly rates are USAA ($65.89), Pekin ($76.65), Erie ($90.20), State Farm ($90.50) and Buckeye Insurance Group ($91.28). Hoosier State car owners must purchase bare-bones coverage of $25,000 per person for injury, $50,000 per crash for injury and $10,000 for damage to what someone else owns. Compare prices for the best deal on added comprehensive and collision coverage.

Iowa's average monthly rate is $84.  When you compare auto insurance in the state, USAA ($73.31), Farm Bureau Mutual ($75.96), Pekin ($81.08), State Farm ($87.98) and Auto-Owners ($91.48) have the cheapest monthly rates. While most firms offer full-coverage car insurance, Hawkeye State drivers must acquire coverage in the amounts of $20,000 per person for injury, $40,000 per accident for injury and $15,000 for damage to what someone else owns.

Kansas and Kentucky

Kansas's monthly rate is about $113. When considering minimum coverage,  USAA ($90.62), State Farm ($118.21), Auto-Owners ($120.65), Farm Bureau Mutual ($127.12) and Allied ($134.71) have the cheapest monthly rates, but all offer full coverage car insurance. Licensed Sunflower State motorists must acquire bare-bones coverage of $25,000 per person for injury, $50,000 per crash for injury and $25,000 for damage to another's property. Some find cheap rates at Geico.

Kentucky's average monthly rate is $120. Drivers will get the cheapest rates at USAA ($102.58/month), State Farm ($107.28/month), Kentucky Farm Bureau ($114.92/month), Westfield ($145.03/month) and Cincinnati Insurance ($150.35/month). If you seek cheap car insurance in the Bluegrass State, just purchase the minimum mandated coverage: $25,000 per person for injury, $10,000 per crash for injury and $10,000 for damage to another's property. Full coverage auto insurance will protect you more than bare-bones coverage, but it also might just save you from financial ruin.

Louisiana

Louisiana's monthly rate is about $207. Per month, the cheapest rates are from USAA ($157.91), Southern Farm Bureau ($182.88), Direct Auto ($194.60), State Farm ($207.96) and Allstate ($303.27). By law, Pelican State motorists must carry coverage of $15,000 per person for injury or death, $30,000 per accident for injury or death and $25,000 for damage to someone else's property. Optional coverage, such as comprehensive and collision coverage, may bump up your monthly fee, but it can spare you great financial responsibility in the future.

Maine, Maryland, Massachusetts and Michigan

Michigan's average monthly rate is $69. If you are looking for the cheapest rates, check out USAA ($54.45), Concord Group ($59.28), Countryway ($76.52), State Farm ($77.61) and Metropolitan ($85.94). Vehicle owners in the Pine Tree State must carry bare-bones coverage of $50,000 per person for injury, $100,000 per crash for injury and $25,000 for damage to someone else's property. The price of full coverage will be higher than the state's minimum requirements.

Maryland's monthly rate is about $160.  The auto insurance firms with the cheapest monthly rates are USAA ($135.63), Erie ($181.78), Penn National ($196.60), State Farm ($204.59) and Nationwide ($209.39). Old Line State car owners must meet bare-bones liability limits of  $30,000 per person for injury, $60,000 per crash for injury and $15,000 for damage to another's property. Most lenders in Florida demand collision and comprehensive coverage. Your annual rate will vary, based on your car insurance company and driving history.

Massachusetts's average monthly rate is $113. The auto insurance firms with the cheapest monthly rates are State Farm ($82.99), USAA ($119.69), Plymouth Rock ($134.74), Safety Group ($135.33), and Norfolk and Dedham Group ($141.36). Every licensed Bay State driver must purchase coverage of $20,000 per person for injury, $40,000 per crash for injury and $5,000 for damage to someone else's property. But minimum coverage is for the lucky; ask several car insurance companies how much they charge for added comprehensive and collision coverage.

Michigan's monthly rate is about $161. For the cheapest auto insurance in Michigan, check out Secura ($105.24/month), Metropolitan ($115.15/month), USAA ($123.14/month), Chubb ($167.08), and Hastings Mutual ($198.31/month) are the auto insurance firms with the lowest monthly rates. While carriers offer additional coverage, such as uninsured motorist, collision and comprehensive coverage, the Wolverine State's drivers by law must carry, at the very least, coverage of $20,000 per person for injury, $40,000 per crash for injury and $10,000 damage to another's property. Full coverage auto insurance is the cheapest in Mount Pleasant and the most expensive at Harper Woods.

Minnesota's average monthly rate is $112. For an insurance policy at the cheapest monthly cost, check out USAA ($97.67), Farm Bureau Mutual ($105.02), State Farm ($116.68), Auto-Owners ($123.61) and American Family ($134.16). To meet the Gopher State's mandatory liability limits for auto insurance coverage, driver's must purchase coverage of $30,000 per person for injury, $60,000 per accident for injury and $10,000 for damage to another's property. In a roadway crash, the state's bare-bones insurance coverages may not provide the coverage you need, so ask insurance companies about comprehensive and collision as well as uninsured-motorist coverage.

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Minnesota, Mississippi, Missouri and Montana

Mississippi's monthly rate is about $101. The car insurance firms with the cheapest monthly rates are Direct Auto ($68.30), USAA ($78.53), Direct General ($90.33) State Farm ($118) and Mississippi Farm Bureau ($120.60). The Magnolia State requires minimum coverage of $25,000 per person for injury, $50,000 per accident for injury and $25,000 for damage to another's property. Your annual rate will vary from company to company and policy to policy.

Missouri's average monthly rate is $109. Per month, the cheapest rates are from USAA ($68.80), State Farm ($120.34), Auto-Owners ($123.86), Farm Bureau ($130.41) and Nationwide ($135.94). By law, drivers in the Show Me State must have a car insurance policy that covers $25,000 per person for injury or death, $50,000 per crash for injury or death and $25,000 for damage to another's property. Always compare auto insurance on the three basics, then ask how much is full coverage—that is, insurance coverage that includes collision coverage and comprehensive coverage. 

Montana's monthly rate is about $107. Montana drivers will get the cheapest rates at Safeco ($64.42), USAA ($78.46), State Farm ($89.45), Allied ($132.37) and Unigard ($151.71). If you seek cheap car insurance in the Treasure State, just purchase the minimum mandated coverage: $25,000 per person for injury, $50,000 per crash for injury and $20,000 for damage to another's property. Many insurance companies require their customers to purchase full coverage auto insurance, which includes comprehensive and collision.

Nebraska and Nevada 

Nebraska's average monthly rate is $92. The companies with the lowest monthly rates are American National ($51.12), USAA ($90.38), Farm Bureau Mutual ($105.34), State Farm ($107.21) and EMC Insurance ($108.35). Every vehicle owner in the Cornhusker State must carry coverage in the amounts of $25,000 per person for injury or death, $50,000 per accident for injury or death to multiple people and $25,000 to cover damage to another's property. But this package does not include full coverage or personal injury protection.

Nevada's monthly rate is about $144. If you are looking for the cheapest per-month rates, check out USAA ($134.62), Capital Insurance Group ($138.15), State Farm ($170.27), Country ($187.42) and Travelers ($207.88). Vehicle owners in the Sagebrush State must carry bare-bones coverage of $15,000 per person for injury, $30,000 per crash for injury and $10,000 for damage to another's property. The full-coverage average cost will be higher than the state's minimum requirements.

New Hampshire and New Jersey

New Hampshire's average monthly rate is $97. The companies with the cheapest rates are Concord Group ($74.80/month), Safeco ($89.62), State Farm ($93.61), MMG Insurance Company ($103.67) and Safety Group ($113.44). Every vehicle owner in the Granite State must carry coverage in the amounts of $25,000 per person for injury or death, $50,000 per crash for injury or death to multiple people and $25,000 to cover damage to another's property. Your annual rate will vary from company to company and policy to policy.

New Jersey's monthly rate is about $170. New Jersey Manufacturers ($121.13), State Farm ($199.15), Penn National ($208.58), Allstate ($230.88) and Mercury ($237.07) are the auto insurance firms with the lowest monthly rates. The Garden State's bare-bones auto insurance must cover $15,000 per person for  injury, $30,000 per accident for injury and $5,000 for damage to another's property.

New Mexico and New York

New Mexico's average monthly rate is $120. For the cheapest per-month cost, check out USAA ($93.18), State Farm ($116.85), Safeco ($124.67), Farm Bureau Mutual ($128.51) and Metropolitan ($137.27). To meet the Land of Enchantment's mandatory liability limits for auto insurance coverage, driver's must purchase coverage of $25,000 per person for injury, $50,000 per crash for injury and $10,000 for damage to someone else's property.

New York's monthly rate is about $206. The companies with the lowest monthly rates are USAA ($199.85), Erie ($200.58), Travelers ($238.90), State Farm ($280.12) and Allstate ($291.93). Every vehicle owner in the Empire State must carry coverage in the amounts of $25,000 per person for injury or death, $50,000 per crash for injury or death to multiple people and $10,000 to cover damage to another's property.

North Carolina and North Dakota

North Carolina's monthly rate is about $76. If you are looking for the cheapest per-month car insurance rates, check out Direct Auto ($57.48), North Carolina Farm Bureau ($86.44), Erie ($87.41), Utica National Insurance Group ($90.28) and Liberty Mutual ($90.52). Vehicle owners in the Tar Heel State must carry bare-bones coverage of $30,000 per person for injury, $60,000 per crash for injury and $25,000 for damage to another's damage. The cost of full coverage will be higher than the state's minimum requirements.

North Dakota's average monthly rate is $99. The companies with the lowest monthly rates are USAA ($65.53), State Farm ($98.01), Auto-Owners ($109.16), Allied ($111.30), Farmers ($116.03). Every vehicle owner in the Flickertail State must carry coverage in the amounts of $25,000 per person for injury or death, $50,000 per crash for injury or death to multiple people and $25,000 to cover damage to another's property.

Ohio, Oklahoma and Oregon

Ohio's monthly rate is about $87. USAA ($67.57), Erie ($84.15), Auto-Owners Insurance ($87.21), State Farm ($87.48) and Buckeye Insurance Group ($92.26) are the auto insurance firms with the lowest monthly rates. The Buckeye State's bare-bones auto insurance must cover $25,000 per person for injury, $50,000 per crash for injury and $25,000 for damage to another's property. The savvy shopper will consider full-coverage insurance.

Oklahoma's monthly rate is about $135. Per month, the lowest car insurance rates are from USAA ($111.76), State Farm ($123.01), Mercury ($158.38), Oklahoma Farmers Union ($162.61) and Farmers ($172.45). Sooner State motorists must carry by law coverage of $25,000 per person for bodily injury or death, $50,000 per crash for bodily injury or death and $25,000 for damage to another's property.

Oregon's monthly insurance rate is about $105. If you are looking for the cheapest per-month car insurance rates, check out USAA ($82.05), Country ($106.39), General Casualty ($111.52) State Farm ($111.86) and Grange ($114.05). Vehicle owners in the Beaver State must carry minimum coverage of $25,000 per person for injury, $50,000 per crash for injury and $20,000 for damage to another's property. The cost of full coverage will be higher than the state's bare-bones requirements, even if you have a spotless driving record.

Pennsylvania

The Keystone State's average monthly rate is $125. The companies with the lowest monthly rates are USAA ($94.01), Erie ($124.98), State Farm ($125.23), Penn National ($127.82) and Nationwide ($129.51). These firms will likely offer the cheapest full coverage. Every vehicle owner in Pennsylvania must carry coverage of $15,000 per person for bodily injury or death, $30,000 per crash for bodily injury or death to multiple people and $5,000 to cover damage to another's property. If you want to protect your car, you must get full-coverage insurance.

Rhode Island

The Ocean State's average monthly rate is $157. For an insurance policy at the cheapest per-month cost, check out State Farm ($108.24), USAA  ($112.39), Travelers ($220.61), Nationwide ($229.60), Quincy Mutual ($243.69). To meet the Rhode Island's mandatory liability limits for auto insurance coverage, driver's must purchase coverage of $25,000 per person for injury, $50,000 per crash for injury and $25,000 for damage to someone else's property.

South Carolina and South Dakota

South Carolina's monthly rate is about $110. American National P&C ($52.75), USAA ($100.34), State Farm ($109.55), Travelers ($116.23) and Auto-Owners Insurance ($120.13) are the auto insurance firms with the lowest monthly rates. The Palmetto State's minimum auto insurance must cover $25,000 per person for injury, $50,000 per crash for injury and $25,000 for damage to another's property. Compare prices for cheap car insurance with a low premium.

South Dakota's average monthly rate is $109. If you are looking for cheap car insurance rates, check out State Farm ($103.30), Farm Bureau Mutual ($106.58), Farmers Mutual of Nebraska ($112.58), American Family ($124.36) and Allied ($133.40). Vehicle owners in the Mount Rushmore State must carry minimum coverage of $25,000 per person for injury, $50,000 per a crash for injury and $25,000 for damage to another's property. The price of full coverage will be higher than the state's minimum requirements.

Tennessee and Texas

Tennessee's monthly rate is about $86. For an insurance policy at the cheapest monthly rate, check out Direct Auto ($67.21), USAA ($83.15), Penn National ($89.15), State Farm ($101.77) and Auto-Owners Insurance ($104.29). These firms will likely offer the cheapest full coverage. To meet the Volunteer State's mandatory liability limits for auto insurance coverage, driver's must purchase coverage of $25,000 per person for injury, $50,000 per crash for injury and $15,000 for damage to an object. Your annual rate will vary from company to company and policy to policy. Compare and pay less.

Texas's average monthly rate is $134. The insurance companies with the lowest rates, per month, are Direct Auto ($109.64), State Farm ($118.30), USAA ($122.93), Texas Farm Bureau Group ($130.67) and National General ($176.24). Every vehicle owner in the Lone Star State must carry liability coverage in the amounts of $30,000 per person for bodily injury or death, $60,000 per crash for injury or death to multiple people and $25,000 to cover damage to another's property.

Utah

The Beehive State's monthly rate is about $106. Per month, the lowest rates are from USAA ($80.86), Bear River ($92.97), Clearcover ($105.28), ACCC Insurance ($121.92) and Farm Bureau Mutual ($123.36). Utah motorists must carry by law liability coverage of $25,000 per person for bodily injury or death, $65,000 per crash for injury or death and $15,000 for damage to what someone else owns.

Vermont and Virginia

Vermont's average monthly rate is $85. Per month, the lowest insurance rates are from Concord Group ($76.53), Unitrin ($92.80), Vermont Mutual ($96.05), Co-Operative Insurance Companies ($101.04), and Nationwide ($104.46). Green Mountain State motorists must carry by law coverage of $25,000 per person for bodily injury or death, $50,000 per crash for bodily injury or death and $10,000 for damage to another's property.

Virginia's monthly rate is about $96. Per month, the lowest car insurance rates are from USAA ($88.26), Utica National ($91.61), State Farm ($95.36), Erie ($96.83) and  Virginia Farm Bureau ($96.94). Old Dominion motorists must carry by law coverage of $25,000 per person for bodily injury or death, $50,000 per crash for bodily injury or death and $25,000 for damage to another's property.

Washington, West Virginia, Wisconsin and Wyoming

Washington's average monthly rate is $99. If you are looking for the cheapest per-month car insurance rates with a low premium, check out USAA ($79.32), Pemco ($100.78), State Farm ($106.29), Unigard ($112.99) and Capital Insurance Group ($119.61 ). Vehicle owners in the Evergreen State must carry minimum coverage of $25,000 per person for bodily injury, $50,000 per crash for injury and $10,000 for damage to what someone else owns. The cost of full coverage will be higher than the state's minimum requirements.

West Virginia's monthly rate is about $129. The insurance companies with the lowest rates, per month, are State Farm ($92.55), Erie ($98.97), Safeco ($112.93), Westfield ($145.86) and Nationwide ($175.94). Every vehicle owner in the Mountain State must carry liability coverage in the amounts of $25,000 per person for bodily injury or death, $50,000 per crash for injury or death to multiple people and $25,000 to cover damage to another's property.

Wisconsin's average monthly rate is $88. Per month, the lowest car insurance rates are from USAA ($61.29), Safeco ($78.81), State Farm ($87.89), Secura ($88.55), and Erie ($98.11). These firms will likely offer the cheapest full coverage. Badger State motorists must carry by law liability coverage of $25,000 per person for injury or death, $50,000 per crash for injury or death and $10,000 for damage to what someone else owns. Your annual rate will vary from company to company and policy to policy.

Wyoming's monthly rate is about $122. For a policy at the cheapest monthly cost and a low insurance premium, check out Safeco ($83.62), USAA ($102.41), State Farm ($128.79), Grange ($153.89) and Metropolitan ($167.60). To meet the Equality State's mandatory liability limits for auto insurance coverage, driver's must purchase coverage of $25,000 per person for injury, $50,000 per crash for injury and $20,000 for property damage. In a roadway crash, the state's bare-minimum insurance coverage may not provide the coverage you need, so ask insurance companies about comprehensive and collision as well as uninsured-motorist coverage. Compare and pay less.

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