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car insurance : top 10 cheapest car insurance in US in 2023


car insurance 

Finding the cheapest car insurance in the United States can vary depending on several factors, including your location, driving history, age, type of vehicle, and coverage needs. Insurance rates are determined by insurance companies based on risk factors associated with the driver and the vehicle.

To find the cheapest car insurance, consider following these steps:

-Shop around: Obtain quotes from multiple insurance providers to compare rates. This can be done by contacting insurance companies directly or using online comparison websites.

-Provide accurate information: Ensure that the information you provide for the quotes is accurate and up to date. Factors such as your age, location, driving record, and vehicle make and model can affect the cost of insurance.

-Choose the coverage you need: Determine the level of coverage you require based on your circumstances. While liability coverage is typically required by law, additional coverage options like collision and comprehensive insurance should be considered based on your needs.

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-Look for discounts: Inquire about any discounts that may be available to you. Insurance companies often offer discounts for safe driving records, multiple policies (e.g., bundling car and home insurance), and certain vehicle safety features.

-Consider raising deductibles: Increasing your deductible (the amount you pay out of pocket before insurance kicks in) can lower your premium. However, be sure to choose a deductible that you can comfortably afford.

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-Maintain a good driving record: Safe driving habits and avoiding accidents and traffic violations can help you maintain a lower insurance premium over time.

Remember that while finding affordable car insurance is important, it’s also crucial to consider the reputation and reliability of the insurance provider. Ensure that the company has a good track record in customer service and claims handling.

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Please note that specific rates and availability of insurance options can change over time, so it’s always best to reach out to insurance providers directly or use online comparison tools to get the most up-to-date and accurate information.

In this article we have selected for you the top 10 cheapest car insurances that will obviously help you in your choice of car insurer.

Cheapest car insurance by state

The cost of car insurance varies widely from state to state, making it difficult to determine what is considered cheap car insurance.

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However, to help you compare rates, we’ve identified the cheapest car insurance company on average for minimum coverage in each state and in Washington, D.C.


Cheapest company

Average annual rate

Cincinnati Insurance









California Casualty










Kentucky Farm Bureau


Southern Farm Bureau Casualty


Concord Group


Cumberland Mutual


Preferred Mutual






Missouri Farm Bureau





Concord Group



Central Insurance




North Carolina Farm Bureau


North Star


Central Insurance












Union Mutual











However, national averages do not provide an accurate picture. Even within a state, auto insurance rates for minimum coverage can vary widely. That’s why NerdWallet conducted an analysis of rates in some of the largest cities in the United States.

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Please select your city from the drop-down menu below to find the cheapest auto insurance rates in your area.

Official link : car insurance : top 10 cheapest car insurance in US in 2023