Actual Cash Value vs Replacement Cost in Home Insurance
The two main kinds of homeowners insurance policy are replacement cost value (RCV), or actual cash value (ACV). RCV will pay out more if... Read More
Car Insurance Near Me
Finding a car insurance company based near you can come with a lot of benefits.
Find Cheap Liability-Only Car Insurance in Your Area
Find Cheap Liability-Only Car Insurance in Your Area
Smaller regional companies tend to offer cheap rates and reliable customer service. You might find it easier to work with an agent whose office is nearby versus someone located in a call center across the country.
Many large insurance companies and regional providers have local agents who understand the needs of drivers near you. Additionally, working with someone near you can make the claims process much easier if you're ever in an accident.
Best car insurance near me
State Farm is the best car insurance company in 21 states based on customer service reviews, coverage availability and the overall value it provides to drivers across the country.
However, the best car insurance near you may be different. Farm Bureau and Erie offer dependable customer service and affordable rates in the states where they sell insurance.
The best car insurance near you also depends on factors like your driving history and age. For that reason, it's important to compare quotes from multiple companies to find the best company for you.
State |
Best company
| |
|---|---|---|
| Alabama | 
| State Farm |
| Alaska |
| State Farm |
| Arizona |
| State Farm |
| Arkansas | 
| Farm Bureau |
| California | 
| AAA |
Show All Rows
Car insurance rates near me
Where you live can have a big impact on your car insurance rates. For example, drivers in Vermont pay $92 per month for full coverage auto insurance, on average. People living in Michigan pay four times as much for the same coverage, at $399 per month.
It's important to compare rates from a handful of companies near you to find the best price for car insurance.
Cheap monthly car insurance rates near me
Related articles: Car insurance near me
Auto Insurance Requirements in Maryland
In Maryland, all drivers are required to carry an auto insurance policy with at least the state-mandated limits. However, Maryland is not a... Read More
The Best and Cheapest Home Insurance in Minnesota
Western National offers the best homeowners insurance in Minnesota. It has cheap rates and it gets the fewest complaints of any home... Read More
Best & Cheapest Home Insurance in Rhode Island (2024)
The best homeowners insurance companies in Rhode Island are State Farm, Amica and PURE because of their price, customer service ratings and... Read More
Homeowners Insurance Endorsements and Floaters
Endorsements and floaters allow policyholders to address homeowners insurance limits and exclusions that might leave them vulnerable.... Read More
Types of Homeowners Insurance (Policy Forms)
Here's what you need to know about the different homeowners insurance types, from HO-1 to HO-8 and special policy forms.... Read More
The Best and Cheapest Homeowners Insurance Companies in Nebraska (2024)
State Farm offers the best combination of cheap rates and good customer service for home insurance in Nebraska.... Read More
Homeowners Insurance: Coverage and How It Works
Home insurance covers your home and belongings for damage caused by things like fires, wind and theft. But some types of damage aren't... Read More
Auto Insurance Requirements in Missouri
Missouri's minimum liability requirements for auto insurance are $25,000 of bodily injury per person, $50,000 of bodily injury per accident... Read More
What Does Flood Insurance Cover, and How Does It Work?
Flood insurance pays to repair your home and replace your possessions after a flood. The government sells most flood insurance policies,... Read More
Auto Insurance Requirements in Tennessee
In Tennessee, drivers must carry car insurance with at least $25,000 of bodily injury coverage per person and $50,000 per accident, along... Read More
Auto Insurance Requirements in Indiana
Indiana drivers must have auto insurance with liability limit minimums of 25/50/25. Uninsured motorist property damage coverage is also... Read More
Auto Insurance Requirements in Arizona
Arizona requires motorists to have minimum amounts of liability car insurance — or an alternative proof of financial responsibility —... Read More
Auto Insurance Laws in Michigan: 2020 Reforms and Current Requirements
Michigan made major reforms to its auto insurance laws in July 2020, which translated into an average savings of more than $1,000 per year... Read More
The Best and Cheapest Home Insurance Companies in Idaho (2024)
Home insurance in Idaho costs $1,437 per year, on Average. Mutual and Enumclaw is the best cheap home insurance company for most people in... Read More
How Much Does it Cost to Freeze Your Eggs?
Most people pay about $42,000 to freeze their eggs. However, your cost will depend on how many egg-retrieval cycles you go through, your... Read More
Auto Insurance Requirements in Massachusetts
Massachusetts auto insurance requirements are: bodily injury of $20K per person and $40K total per accident, $5K of property damage, and... Read More
Best and Cheapest Home Insurance Companies in Oklahoma (2024)
State Farm has the best cheap home insurance in Oklahoma, with an average rate of $3,149 per year. That’s $1,650 cheaper per year than... Read More
Frequently asked questions
Who normally has the cheapest car insurance?
State Farm usually has the cheapest rates among national car insurance companies. However, a smaller regional company like Auto-Owners, Erie or Farm Bureau may have the cheapest rates near you.
Is it better to use a local insurance agent?
This depends on how you prefer to communicate with your insurance company. If you're looking for a one-on-one relationship, or prefer speaking with someone in person or on the phone, then a local agent is the best choice for you. However, if you're more comfortable managing your insurance with an app and prefer virtual chat to phone calls, you may not benefit from working with a local agent.
Methodology
To find rates by state, ValuePenguin compared quotes from the top insurance companies in each state. Rates are for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Full coverage limits are greater than any one state's minimum requirement. Full coverage also includes comprehensive coverage, collision coverage and uninsured/underinsured motorist bodily injury coverage.
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $50,000 per person, $100,000 per accident
- Comprehensive and collision: $500 deductible
- Personal injury protection: Minimum when required by state
The best car insurance companies offered quotes in at least five states. ValuePenguin editors rated insurance companies based on J.D. Power customer satisfaction survey scores, data from the National Association of Insurance Commissioners (NAIC) complaint index, coverage availability and the overall value provided to customers.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.