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Which Insurance Companies Have the Lowest Auto Insurance Quotes?

We know that you have many auto insurance options, so AllCreditCarLoans has partnered with a leading financial and insurance services comparison platform to help you get auto insurance quotes from top insurance companies so you can find the best coverage options for the lowest insurance rate available.

Rather than shopping directly with top-tier car insurance companies like Liberty Mutual, Geico, USAA, The Hartford, or State Farm, and paying full rate, use our tool to help you get the best auto insurance quote, regardless of past driving record.


What Are Insurance Coverage Limits?

A coverage limit by auto insurance companies is the most that auto insurance companies pay for one incident or claim.  Car insurance coverage limits may vary by state. If a mishap does occur, auto insurance companies pay on your behalf up to the car insurance coverage limit. This is why it is important to understand auto insurance requirements for your state such as property damage (PD) liability coverage, no-fault auto insurance, etc.

Our insurance companies will review your driving record and help you explore coverage options and auto insurance discounts to save money (i.e. good driver discounts). To help you explore options, our auto insurance experts will need your drivers license number, zip code, a bit of personal information, and vehicle identification number.


What Is the Average Cost of Auto Insurance?

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Car insurance rates for one motor vehicle are typically less than $300 per month, but totals may vary by state. Also, your personal driving record and location can determine your rates.  We will help you obtain a car insurance quote on your auto policy online.  Our partner auto insurance companies will factor in your driving record and any applicable discounts into the final car insurance quote.

Our car insurance partner companies will help you explore car insurance coverage options and car insurance discounts to save money on their quotes (i.e. good driver discounts). To research options, our auto insurance experts will need your drivers license number, a bit of personal information, and your VIN.

Be sure to inquire with customer service about roadside assistance programs and life insurance rates and other things you need to know.


What Is Liability Insurance and What Do I Need?

Liability insurance is the most important type of car insurance coverage to have on your policy. If you are in a mishap and it is your fault, this car insurance pays for the damage that you cause to others. Motor vehicles can be very dangerous, so it is important to make sure that in the case of a mishap, you are not held responsible for large bills that you could have for injuries/damage to others.

If you do not have enough car insurance coverage, your assets/wages could be taken to satisfy these bills. Don’t take this risk, and get a car insurance quote and obtain proper coverage today. It is also crucial to make sure that your liability coverage will provide enough protection for your assets and earnings so that your assets and wages are not taken in the event of a bad mishap.  Our car insurance companies will help to make sure you understand your car insurance coverage and make you the most affordable car insurance quote.  Our car insurance companies will help you find car insurance options and car insurance discounts to save money (i.e. good driver discounts). Plus: our industry experts will factor in driving record and any applicable discounts.

Our partner car insurance companies provide car insurance quotes to give you the information you need to know to ensure you are covered.


What Car Insurance Is Required by Law?

In all 50 states, you are required to carry minimum coverage of car insurance. Each state has different liability limits and requirements for uninsured motorists, bodily injury (BI) liability, personal injury protection, PD liability, and their minimum coverage requirements. Refer to your state’s website for the most up to date information on the minimum coverage required for your zip code.


Is Uninsured/Underinsured Motorist Bodily Injury Liability Required in Every State?

Uninsured/underinsured motorist BI liability coverage is not required in every state. Be sure to check your state’s guidelines to see if you need BI liability coverage.

Our partner car insurance companies can help explain the coverage that is required in your particular area. This coverage is very important to have as it protects you and the people in your vehicle if you were injured in a mishap that was caused by somebody who is uninsured. It keeps you from having to incur potential medical bills, loss of wages, and things like pain and suffering. This coverage kicks in after your health insurance.

Here is a list of the current BI liability requirements for each state. Please check your state guidelines for any updates or changes:

Alabama Insurance Company

Alabama car insurance laws may require drivers to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD on their car policy. This means that if you were at fault in a car mishap, and someone was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would remit the difference. Get a quote.

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Alaska Insurance Company

Alaska car insurance laws may require drivers to carry $50 000 per person or $100 000 per mishap for BI and $25 000 for PD liability coverage on their car policy. This means that if you were at fault in a car mishap, and someone was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $50 000, you would remit the difference. Receive a fast, free auto insurance quote.

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Arizona Insurance Company

Arizona car insurance laws may require you to carry $25 000 per person or $50 000 per mishap for BI and $15 000 for PD liability. This means that if you were at fault in a car mishap, and someone was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Get a quote.

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Arkansas Insurance Company

Arkansas car insurance laws may require each person to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD liability. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive a fast, free auto insurance quote.

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California Insurance Company

California may require each driver to carry $15 000 per person or $30 000 per mishap for BI and $5 000 for PD coverage. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $15 000, you would remit the difference. Receive a fast, free auto insurance quote.

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Colorado Insurance Company

Colorado car insurance laws may require all drivers to carry $25 000 per person or $50 000 per mishap for BI and $15 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive a fast, free auto insurance quote.

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Connecticut Insurance Company

Connecticut car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive fast, free auto insurance quotes.

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Delaware Insurance Company

Delaware car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $10 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive fast, free auto insurance quotes.

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Florida Insurance Company

Florida car insurance does not require drivers to carry any coverage for BI but you do have to carry $10 000 for PD coverage. This means that if you were at fault in a car mishap, and PD exceeded $10 000, you would remit the difference. Be sure to check the car insurance section of the state’s website for the most up to date laws on car insurance. Receive fast, free auto insurance quotes.

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Georgia Insurance Company

Georgia car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive fast, free auto insurance quotes.

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Hawaii Insurance Company

Hawaii car insurance laws may require each driver to carry $20 000 per person or $40 000 per mishap for BI and $10 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $20 000, you would remit the difference. Receive fast, free auto insurance quotes.

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Idaho Insurance Company

Idaho car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $15 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive a fast, free auto insurance quotes.

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Illinois Insurance Company

Illinois car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $20 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive fast, free auto insurance quotes.

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Indiana Insurance Company

Indiana car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD. This means that if you were at fault in a car mishap, and someone was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive a fast car insurance quote.

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Iowa Insurance Company

Iowa car insurance laws may require each driver to carry $20,000 per person or $40,000 per mishap for BI and $15,000 for PD. This means that if you were at fault in a car mishap, and someone was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $20 000, you would remit the difference. Receive a fast car insurance quote.

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Kansas Insurance Company

Kansas car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD. This means that if you were at fault in a car mishap, and someone was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive a fast car insurance quote.

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Kentucky Insurance Company

Kentucky car insurance laws may require each driver to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Receive a fast car insurance quote.

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Louisiana Insurance Company

Louisiana car insurance laws require each driver to carry $15 000 per person or $30 000 per mishap for BI and $25 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $15 000, you would remit the difference. Receive a fast car insurance quote.

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Maine Insurance Company

Maine requires each driver to carry $50 000 per person or $100 000 per mishap for BI and $25 000 for PD on their car policy. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $50 000, you would remit the difference. Receive a fast car insurance quote.

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Maryland Insurance Company

Maryland requires each driver to carry $30 000 per person or $60 000 per mishap for BI and $15 000 for PD on their car policy. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $30 000, you would remit the difference. Save with a fast car insurance quote.

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Massachusetts Insurance Company

Massachusetts car insurance laws require you to carry $20 000 per person or $40 000 per mishap for BI and $5 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $20 000, you would remit the difference. Find fast car insurance quote.

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Michigan Insurance Company

Michigan car insurance laws require you to carry $50 000 per person or $100 000 per mishap for BI and $10 000 for PD. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $50 000, you would remit the difference. Find fast car insurance quote.

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Minnesota Insurance Company

Minnesota requires you to carry $30 000 per person or $60 000 per mishap for BI and $10 000 for PD on your car policy. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $30 000, you would remit the difference. Save with a fast car insurance quote.

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Mississippi Insurance Company

Mississippi car insurance laws require you to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD on your car policy. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical expenses, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Save with fast car insurance quotes.

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Missouri Insurance Companies

Missouri requires you to carry $25 000 per person or $50 000 per mishap for BI and $10 000 for PD on your car policy. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical expenses, lost wages, and pain and suffering that exceed $25 000, you would remit  the difference. Save with fast car insurance quotes.

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Montana Car Insurance Companies

Montana car insurance laws require you to carry $25 000 per person or $50 000 per mishap for BI and $20,000 for PD on your car policy. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical expenses, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Save with fast car insurance quotes.

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Nebraska Insurance

Nebraska car insurance laws require you to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD on your car insurance coverage. This means that if you were at fault in a car mishap, and another person was to become injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Save with fast car insurance quotes.

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Nevada Insurance

Nevada requires you to carry $25 000 per person or $50 000 per mishap for BI and $20 000 for PD on your car policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would pay the difference. Save with fast car insurance quotes.

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New Hampshire Insurance

New Hamshire requires you to carry $25 000 per person or $50 000 per mishap for BI and $25 000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Save with fast car insurance quotes.

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New Jersey Insurance

New Jersey requires you to carry $15 000 per person or $30 000 per mishap for BI and $5 000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $15 000, you would remit the difference. Save with fast car insurance quotes.

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New Mexico Insurance

New Mexico requires you to carry $25 000 per person or $50 000 per mishap for BI and $10 000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25 000, you would remit the difference. Save with fast car insurance quotes.

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New York Insurance

New York requires you to carry $25 000 per person or $50,000 per mishap for BI and $10 000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would remit the difference. Find fast car insurance quotes.

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North Carolina Insurance

North Carolina requires you to carry $30,000 per person or $60,000 per mishap for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $30,000, you would remit the difference. Find fast, free car insurance quotes.

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North Dakota Insurance

North Dakota requires you to carry $25,000 per person or $50,000 per mishap for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference. Find fast, free car insurance quotes.

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Ohio Insurance

Ohio requires you to carry $25,000 per person or $50,000 per mishap for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car mishap, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference. Save with fast, free car insurance quotes.

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Oklahoma Insurance

Oklahoma requires you to carry $25,000 per person or $50,000 per mishap for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference. Find fast, free car insurance quotes.

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Oregon Insurance

Oregon requires you to carry $25,000 per person or $50,000 per accident for BI and $20,000 for PD on your car insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Pennsylvania Insurance

Pennsylvania requires you to carry $15,000 per person or $30,000 per accident for BI and $5,000 for PD on your car insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Rhode Island Insurance

Rhode Island requires you to carry $25,000 per person or $50,000 per accident for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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South Carolina Insurance

South Carolina requires you to carry $25,000 per person or $50,000 per accident for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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South Dakota Insurance

South Dakota requires you to carry $25,000 per person or $50,000 per accident for BI and $25,000 for PD on your car insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Tennessee Insurance

Tennessee auto insurance laws requires drivers to carry $25,000 per person or $50,000 per accident for BI and $15,000 for PD on their auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Texas Insurance

Texas requires drivers to carry $30,000 per person or $60,000 per accident for BI and $25,000 for PD on their auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $30,000, you would pay the difference.

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Utah Insurance

Utah requires you to carry $25,000 per person or $65,000 per accident for BI and $15,000 for PD on their auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Vermont Insurance

Vermont requires you to carry $25,000 per person or $50,000 per accident for BI and $10,000 for PD on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Virginia Insurance

Virginia requires you to carry $25,000 per person or $50,000 per accident for BI and $20,000 for PD on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Washington Insurance

Washington auto insurance laws requires you to carry $25,000 per person or $50,000 for BI and $10,000 per accident for PD on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Washington D.C. Insurance

Washington D.C. car insurance laws require you to carry $25,000 per person or $50,000 for BI and $10,000 per accident for property damage on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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West Virginia Insurance

West Virginia car insurance laws require you to carry $25,000 per person or $50,000 for BI and $25,000 per accident for property damage on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Wisconsin Insurance

Wisconsin car insurance laws require you to carry $25,000 per person or $50,000 per accident for BI and $10,000 for property damage on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Wyoming Insurance

Wyoming auto insurance laws require you to carry $25,000 per person or $50,000 per accident for BI and $20,000 for property damage on your auto insurance policy. This means that if you were at fault in a car accident, and another person was to get injured and incur medical bills, lost wages, and pain and suffering that exceed $25,000, you would pay the difference.

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Each state has different liability limits and requirements for auto insurance coverage options such as uninsured motorist, injury coverage, bodily injury liability, personal injury protection, property damage liability. Refer to your state’s website for the most up to date information on the minimum coverage required for car insurance.

Can I Take Glass Coverage On and Off Of My Car Insurance?

It is best to be covered under your auto insurance in the event that your windshield does crack and needs to be replaced. Based on where you are currently living or if you are not driving for a long period of time, you may choose to remove glass coverage from your car insurance. Glass coverage is crucial in states that have snowy and cold weather in the winter. The gravel that is laid on the road during the winter to keep us from sliding on the icy roads, unfortunately, can cause chips and cracks in our windshields in the Spring and Summer. Glass coverage will allow you to replace your windshield at little to no cost to you.

What Is Comprehensive and Collision Coverage On My Car Insurance Quote?

Comprehensive coverage covers the unfortunate events that are completely out of your control. Theft, flood, hail, and vandalism are a few of the things covered. If you were to collide with a deer or another animal, this would be covered under your comprehensive coverage, and not your collision coverage on your auto insurance.
If you hit a moving or stationary object while driving, your collision coverage will pay for the damage to the vehicle. Theft and weather damage are not covered under your collision coverage on your auto insurance. This is covered under your comprehensive coverage. Your collision coverage combined with comprehensive coverage are what banks and financial institutions define as “full coverage car insurance”.