Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 12, 2021

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Super Cheap Auto Insurance

There are many variables involved in the calculation of auto insurance cost, even when you are looking for the absolute cheapest auto insurance.

Depending on where you live and what the state requirements are for minimum coverage, you could spend anywhere from $15 to $50 per month on auto insurance. Read on to learn exactly what coverage this will net you and the consequences of different levels of coverage.

To find the very cheapest car insurance rates for your individual situation you can simply enter your zip in above and use our free rate finder to compare super cheap car insurance quotes from many different insurance companies!

Buying the Cheapest Auto Insurance

To get the absolute cheapest auto insurance cost, you need to purchase only the bare minimum auto insurance policy. Every state has different minimum requirements, so the state you live in will determine how much coverage you need. All states require proof of financial responsibility when it comes to driving a car, and most of them enforce this with auto insurance requirements for liability coverage.

Liability is used to pay for body or property damages inflicted on another person due to an accident caused by you. If you only buy liability insurance, you will have no insurance for your own car or medical injuries resulting from a car accident for which you are found at fault.

Many people who own an old car or a car of little value choose to forgo comprehensive and collision coverage and purchase just liability because they are comfortable risking the financial loss of their own cars. People who have health insurance usually do not buy a medical policy on their auto insurance since their private health insurance typically covers doctor and hospital bills.

Get started finding the absolute cheapest car insurance quotes online right now!

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The Cheapest States to Insure your Car

Since each state has different liability requirements, your cheapest auto insurance rates for just liability will vary from state to state. The cheapest liability states overall are Florida, Louisiana, and Oklahoma, with 10/20/10 set for the basic minimum liability coverage required. The first number is the maximum payout, in thousands, for coverage for bodily injury and death for a single person, the second number is the total payout for all persons combined for bodily injury and death, and the third number is the maximum property damage payout amount. Property damage includes cars, fences, houses, or any other physical property that is damaged as a result of the accident.

As you can see from the low amounts of 10/20/10, carrying just the minimum coverage in these states still leaves you at great financial risk. While you legally meet the state requirements, if you are at fault for an accident in these states chances are your insurance coverage will not be enough to cover the true costs of the damage, leaving you responsible for the difference.

The states that come in next cheapest are California, Delaware, New Jersey, and Pennsylvania, with liability requirements of 15/30/5. While their bodily injury and death coverage limits are higher, their property requirements are lower. This means that if you are at fault for an accident where someone gets injured, more of those medical bills will be covered with the insurance set forth by these states. However, less money will be allocated to property damage, which means if there is any damage to the other person’s car (in these states, in excess of $5,000), you will be personally responsible for the balance. So try not to hit a Mercedes or Porsche!

Porsche 911 Carrera