How to Find Cheap Car Insurance
Deductibles, bundling, usage‑based policies, and more.
Car Insurance by State
Start with the biggest states, then explore your city and ZIP.
CaliforniaDiscounts & minimums
TexasUrban vs rural pricing
FloridaPIP & storm risks
New YorkNo‑fault rules
IllinoisMinimum coverage
PennsylvaniaFull vs limited tort
OhioClean‑record savings
GeorgiaSR‑22 basics
North CarolinaTeen drivers
MichiganPIP choices
New JerseyBasic vs standard
VirginiaPay‑to‑drive option
Ad slot — mid (336×280 / responsive)
Guides & Tips
State Minimum Requirements
Liability, PIP, MedPay, and UM/UIM explained.
SR‑22 Insurance Basics
When you need it and how to file.
Popular Providers (High‑Level)
| Provider | Best for | Highlights |
|---|---|---|
| Provider A | New drivers | Telematics discounts |
| Provider B | Claims satisfaction | Strong repair network |
| Provider C | Bundling | Home + auto savings |
| Provider D | Low‑mileage | Usage‑based pricing |
Educational only—we don’t endorse specific brands. View all providers.
What Drivers Say
“Found a clearer breakdown of coverage than my agent ever gave me.” — A.M., Texas
“The ZIP search made it easy to see why my rates are higher.” — R.K., Florida
“Saved by switching to a usage‑based plan. Thanks for the tips!” — J.P., California
Ready to Compare Quotes by ZIP?
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Car Insurance FAQs
What coverage do I need in my state?
Each state sets its own minimums for liability and sometimes PIP/MedPay. Check our state-by-state guides for details and recommendations.
How can I lower my premium quickly?
Bundle home + auto, raise deductibles you can afford, opt into telematics, and compare quotes every 6–12 months.
Does my credit score affect rates?
In many states, insurers use credit-based insurance scores; a few restrict or prohibit it.