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Cheap Car Insurance

Author: Finance Editors

Cheap car insurance, whether it’s for a new car or used car, is usually an insurance with liability only.

 

You can see below the average cheapest insurance by state and credit score.

 
 
Updated: June 3, 2026
 
 
 
 
 
 

Cheap Used Car Insurance

 

Find the cheapest used car insurance (liability only) nationaly and in your state.

 
Location 750+
(Excellent)
700–749
(Good)
650–699
(Fair)
600–649
(Below Fair)
National $63 $76 $84 $144
Alabama $56 $65 $70 $116
Alaska $62 $70 $75 $119
Arizona $68 $80 $87 $147
Arkansas $64 $73 $81 $142
California $93 $93 $93 $93
Colorado $76 $96 $105 $190
Connecticut $57 $82 $103 $155
Delaware $73 $88 $96 $150
Florida $93 $116 $131 $247
Georgia $74 $87 $95 $166
Hawaii $49 $49 $49 $49
Idaho $39 $44 $47 $66
Illinois $58 $71 $77 $121
Indiana $42 $51 $56 $99
Iowa $48 $58 $65 $116
Kansas $61 $74 $81 $156
Kentucky $66 $78 $86 $159
Louisiana $101 $123 $137 $221
Maine $43 $50 $56 $105
Maryland $77 $90 $100 $170
Massachusetts $62 $62 $62 $62
Michigan $73 $96 $108 $182
Minnesota $65 $77 $87 $178
Mississippi $58 $69 $76 $141
Missouri $61 $75 $81 $140
Montana $61 $71 $77 $137
Nebraska $58 $71 $80 $153
Nevada $89 $106 $115 $169
New Hampshire $40 $50 $57 $109
New Jersey $73 $97 $110 $208
New Mexico $55 $65 $70 $124
New York $102 $122 $135 $229
North Carolina $52 $55 $58 $78
North Dakota $44 $54 $62 $122
Ohio $44 $55 $59 $98
Oklahoma $71 $84 $92 $158
Oregon $53 $63 $69 $112
Pennsylvania $60 $74 $82 $144
Rhode Island $76 $89 $101 $161
South Carolina $48 $60 $66 $121
South Dakota $54 $68 $78 $166
Tennessee $48 $60 $69 $131
Texas $70 $82 $97 $201
Utah $54 $65 $71 $120
Vermont $42 $48 $52 $85
Virginia $51 $62 $69 $125
Washington $50 $57 $62 $84
West Virginia $51 $65 $73 $137
Wisconsin $48 $56 $61 $99
Wyoming $44 $52 $56 $86
 
 
 
 
 
 

Cheap New Car Insurance

 

Find the cheapest new car insurance (liability only) nationaly and in your state.

 
Location 750+
(Excellent)
700–749
(Good)
650–699
(Fair)
600–649
(Below Fair)
National $91 $110 $121 $209
Alabama $81 $94 $102 $168
Alaska $89 $101 $109 $172
Arizona $99 $116 $127 $213
Arkansas $92 $106 $117 $206
California $134 $134 $134 $134
Colorado $109 $139 $152 $275
Connecticut $82 $119 $149 $224
Delaware $106 $128 $139 $217
Florida $134 $167 $190 $357
Georgia $107 $125 $138 $240
Hawaii $72 $72 $72 $72
Idaho $57 $64 $68 $95
Illinois $84 $102 $112 $175
Indiana $61 $74 $82 $144
Iowa $69 $84 $94 $168
Kansas $88 $107 $118 $226
Kentucky $95 $112 $124 $230
Louisiana $146 $178 $199 $320
Maine $62 $73 $81 $153
Maryland $111 $131 $144 $246
Massachusetts $90 $90 $90 $90
Michigan $106 $139 $156 $263
Minnesota $93 $111 $126 $258
Mississippi $85 $100 $110 $204
Missouri $88 $109 $118 $203
Montana $88 $103 $111 $198
Nebraska $85 $103 $116 $222
Nevada $129 $154 $166 $244
New Hampshire $57 $73 $82 $157
New Jersey $105 $140 $160 $301
New Mexico $79 $94 $102 $179
New York $148 $176 $195 $331
North Carolina $76 $79 $85 $112
North Dakota $64 $78 $90 $176
Ohio $64 $79 $86 $142
Oklahoma $103 $121 $133 $229
Oregon $77 $91 $100 $162
Pennsylvania $87 $107 $118 $208
Rhode Island $111 $129 $146 $234
South Carolina $70 $87 $96 $175
South Dakota $78 $99 $113 $240
Tennessee $70 $87 $100 $190
Texas $101 $119 $140 $292
Utah $79 $95 $103 $174
Vermont $61 $69 $75 $123
Virginia $74 $89 $100 $180
Washington $72 $83 $89 $122
West Virginia $74 $94 $105 $198
Wisconsin $70 $81 $89 $144
Wyoming $64 $76 $81 $124