If you’re in the market for cheap car insurance in New Hampshire, it’s smart to shop around. Quotes can vary from one company to another, even for the same coverage options and limits.

NerdWallet researched rates from 23 insurers in the state and identified the five most affordable options for several driver types.

Cheapest for 20-year-old drivers in New Hampshire

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Drivers in New Hampshire with clean driving records may want to consider the following companies, which had the lowest average rates:

1. MMG: $1,200 per year.

2. Concord Group: $1,252 per year.

3. Amica: $2,118 per year.

4. Allstate: $2,159 per year.

5. State Farm: $2,161 per year.

Drivers in New Hampshire who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Concord Group: $523 per year.

2. Amica: $586 per year.

3. MMG: $614 per year.

4. Allstate: $690 per year.

5. State Farm: $752 per year.

Drivers with poor credit in New Hampshire should look at the following insurers with the lowest average rates for minimum coverage:

1. Concord Group: $779 per year.

2. Allstate: $903 per year.

3. Encompass: $1,169 per year.

4. Amica: $1,189 per year.

5. MMG: $1,392 per year.

For drivers with a recent accident in New Hampshire, here are the companies with the lowest average rates for minimum coverage:

1. Concord Group: $699 per year.

2. Amica: $705 per year.

3. MMG: $902 per year.

4. State Farm: $937 per year.

5. Allstate: $973 per year.

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

1. Allstate: $840 per year.

2. Concord Group: $924 per year.

3. Progressive: $963 per year.

4. MMG: $1,017 per year.

5. Amica: $1,287 per year.

Cheapest for 30-year-old drivers in New Hampshire

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Drivers in New Hampshire with clean driving records may get the lowest rates from these companies:

1. MMG: $733 per year.

2. Concord Group: $768 per year.

3. Amica: $943 per year.

4. Encompass: $953 per year.

5. Progressive: $1,021 per year.

Drivers in New Hampshire who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

1. Amica: $272 per year.

2. MMG: $274 per year.

3. Concord Group: $297 per year.

4. Encompass: $340 per year.

5. State Farm: $367 per year.

Drivers with poor credit in New Hampshire should consider the following companies with the lowest average rates for full coverage:

1. Concord Group: $1,115 per year.

2. Encompass: $1,342 per year.

3. MMG: $1,654 per year.

4. Progressive: $1,761 per year.

5. Amica: $1,902 per year.

For drivers in New Hampshire with a recent accident, here are the lowest average rate options for full coverage:

1. Concord Group: $1,007 per year.

2. MMG: $1,090 per year.

3. State Farm: $1,240 per year.

4. Amica: $1,388 per year.

5. Encompass: $1,424 per year.

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. Progressive: $1,176 per year.

2. MMG: $1,234 per year.

3. Concord Group: $1,340 per year.

4. State Farm: $1,630 per year.

5. Allstate: $1,767 per year.

Cheapest for 40-year-old drivers in New Hampshire

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Drivers in New Hampshire with clean driving records may want to think about the following companies, which had the lowest average rates:

1. MMG: $590 per year.

2. Concord Group: $663 per year.

3. Amica: $917 per year.

4. Encompass: $953 per year.

5. Progressive: $970 per year.

Drivers in New Hampshire who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. MMG: $209 per year.

2. Concord Group: $245 per year.

3. Amica: $265 per year.

4. Encompass: $340 per year.

5. State Farm: $363 per year.

Drivers with poor credit in New Hampshire can check out the following insurers with the lowest average rates for full coverage:

1. Concord Group: $959 per year.

2. MMG: $1,332 per year.

3. Encompass: $1,342 per year.

4. Progressive: $1,678 per year.

5. Amica: $1,848 per year.

For drivers with a recent accident living in New Hampshire, here are the companies with the lowest average rates for full coverage:

1. Concord Group: $866 per year.

2. MMG: $876 per year.

3. State Farm: $1,208 per year.

4. Amica: $1,361 per year.

5. Encompass: $1,424 per year.

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. MMG: $993 per year.

2. Progressive: $1,122 per year.

3. Concord Group: $1,154 per year.

4. State Farm: $1,598 per year.

5. Allstate: $1,767 per year.

Cheapest for 50-year-old drivers in New Hampshire

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Drivers in New Hampshire with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. MMG: $543 per year.

2. Concord Group: $626 per year.

3. Amica: $854 per year.

4. Encompass: $866 per year.

5. Progressive: $867 per year.

Drivers in New Hampshire who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. MMG: $191 per year.

2. Concord Group: $229 per year.

3. Amica: $248 per year.

4. Encompass: $309 per year.

5. State Farm: $358 per year.

Drivers with poor credit in New Hampshire can check with the following companies, which showed the lowest average rates for full coverage:

1. Concord Group: $904 per year.

2. Encompass: $1,216 per year.

3. MMG: $1,224 per year.

4. Progressive: $1,500 per year.

5. Amica: $1,722 per year.

For drivers living in New Hampshire with a recent accident, here are the insurers with the lowest average full coverage rates:

1. MMG: $807 per year.

2. Concord Group: $817 per year.

3. State Farm: $1,185 per year.

4. Encompass: $1,287 per year.

5. Amica: $1,299 per year.

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. MMG: $913 per year.

2. Progressive: $1,021 per year.

3. Concord Group: $1,089 per year.

4. State Farm: $1,575 per year.

5. Allstate: $1,721 per year.

Cheapest for 65-year-old drivers in New Hampshire

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Drivers in New Hampshire with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. MMG: $599 per year.

2. Concord Group: $652 per year.

3. Progressive: $889 per year.

4. Encompass: $913 per year.

5. State Farm: $921 per year.

Drivers in New Hampshire who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. MMG: $223 per year.

2. Concord Group: $243 per year.

3. Amica: $317 per year.

4. State Farm: $342 per year.

5. Encompass: $344 per year.

Drivers with poor credit in New Hampshire can look at the following companies with the lowest average rates for full coverage:

1. Concord Group: $942 per year.

2. Encompass: $1,281 per year.

3. MMG: $1,352 per year.

4. Progressive: $1,530 per year.

5. State Farm: $1,998 per year.

For drivers with a recent accident living in New Hampshire, here are the companies with the lowest average rates for full coverage:

1. Concord Group: $851 per year.

2. MMG: $890 per year.

3. State Farm: $1,126 per year.

4. Encompass: $1,363 per year.

5. Amica: $1,634 per year.

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. MMG: $1,008 per year.

2. Progressive: $1,133 per year.

3. Concord Group: $1,134 per year.

4. State Farm: $1,516 per year.

5. Allstate: $2,103 per year.

Minimum coverage car insurance in New Hampshire

Unlike other states, New Hampshire doesn’t require most drivers to carry auto insurance. If you choose to purchase a policy, it will need to include at least the following coverages and limits:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per incident.

• $25,000 property damage liability per incident.

• $25,000 uninsured/underinsured motorist bodily injury coverage per person.

• $50,000 uninsured/underinsured motorist bodily injury coverage per incident.

• $25,000 uninsured/underinsured property damage coverage per incident.

• $1,000 medical payments coverage.

As an alternative, you may be able to provide proof of financial responsibility by depositing money or securities with the state treasury.

However, New Hampshire may require you to buy car insurance if you’re convicted of certain offenses. Those include:

• Driving while intoxicated (DWI).

• Underage DWI.

• Leaving the scene of an accident.

• Conduct after an accident.

• Second offense of reckless operation.

• Homicide or assault arising from driving.

If you commit one of these offenses, your insurer will file an SR-22 certificate with the state, and if you continue to drive, you’ll be required to carry insurance for the next three years, in most cases. If you commit another offense, that time limit can be extended.

Alternative car insurance in New Hampshire

Drivers who are unable to get car insurance on the voluntary market because of at-fault crashes, poor credit or other factors can apply for coverage through the state’s New Hampshire Automobile Insurance Plan.

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

• We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

• We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

• For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

• We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

• For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

• For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

Because prices for auto coverage rise and fall depending on where you look, comparing quotes from several companies is the best way to find cheap car insurance in Tennessee.

Cheapest car insurance in Tennessee for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Drivers in Tennessee with clean driving records may want to consider the following companies, which had the lowest average rates:

1. Grange: $1,789 per year.

2. Geico: $1,904 per year.

3. Travelers: $2,042 per year.

4. Tennessee Farm Bureau: $2,105 per year.

5. State Farm: $2,492 per year.

Drivers in Tennessee who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Grange: $478 per year.

2. Geico: $510 per year.

3. Travelers: $613 per year.

4. Tennessee Farm Bureau: $634 per year.

5. Erie: $778 per year.

Drivers with poor credit in Tennessee should look at the following insurers with the lowest average rates for minimum coverage:

1. Grange: $650 per year.

2. Tennessee Farm Bureau: $732 per year.

3. Travelers: $960 per year.

4. Geico: $1,099 per year.

5. Allstate: $1,152 per year.

For drivers with a recent accident in Tennessee, here are the companies with the lowest average rates for minimum coverage:

1. Grange: $562 per year.

2. Geico: $594 per year.

3. Tennessee Farm Bureau: $703 per year.

4. Travelers: $797 per year.

5. State Farm: $985 per year.

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

1. Grange: $823 per year.

2. Travelers: $906 per year.

3. Erie: $907 per year.

4. Progressive: $940 per year.

5. Tennessee Farm Bureau: $1,006 per year.

Cheapest car insurance in Tennessee for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Drivers in Tennessee with clean driving records may get the lowest rates from these companies:

1. Geico: $857 per year.

2. Grange: $905 per year.

3. Tennessee Farm Bureau: $1,037 per year.

4. State Farm: $1,206 per year.

5. Travelers: $1,229 per year.

Drivers in Tennessee who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

1. Grange: $182 per year.

2. Geico: $205 per year.

3. Tennessee Farm Bureau: $285 per year.

4. State Farm: $345 per year.

5. Travelers: $385 per year.

Drivers with poor credit in Tennessee should consider the following companies with the lowest average rates for full coverage:

1. Tennessee Farm Bureau: $1,199 per year.

2. Grange: $1,201 per year.

3. Geico: $1,584 per year.

4. Nationwide: $1,826 per year.

5. Travelers: $2,222 per year.

For drivers in Tennessee with a recent accident, here are the lowest average rate options for full coverage:

1. Tennessee Farm Bureau: $1,037 per year.

2. Grange: $1,169 per year.

3. State Farm: $1,470 per year.

4. Travelers: $1,620 per year.

5. Geico: $1,777 per year.

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. Erie: $1,547 per year.

2. Progressive: $1,552 per year.

3. Grange: $1,594 per year.

4. Tennessee Farm Bureau: $1,651 per year.

5. State Farm: $1,698 per year.

Cheapest car insurance in Tennessee for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Drivers in Tennessee with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Geico: $857 per year.

2. Grange: $892 per year.

3. Tennessee Farm Bureau: $936 per year.

4. Travelers: $1,096 per year.

5. State Farm: $1,179 per year.

Drivers in Tennessee who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. Grange: $186 per year.

2. Geico: $205 per year.

3. Tennessee Farm Bureau: $263 per year.

4. State Farm: $348 per year.

5. Travelers: $355 per year.

Drivers with poor credit in Tennessee can check out the following insurers with the lowest average rates for full coverage:

1. Tennessee Farm Bureau: $1,081 per year.

2. Grange: $1,170 per year.

3. Geico: $1,584 per year.

4. Nationwide: $1,781 per year.

5. Travelers: $1,985 per year.

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

1. Tennessee Farm Bureau: $936 per year.

2. Grange: $1,198 per year.

3. State Farm: $1,438 per year.

4. Travelers: $1,530 per year.

5. Geico: $1,777 per year.

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. Erie: $1,393 per year.

2. Progressive: $1,406 per year.

3. Tennessee Farm Bureau: $1,488 per year.

4. Grange: $1,570 per year.

5. State Farm: $1,661 per year.

Cheapest car insurance in Tennessee for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Drivers in Tennessee with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Geico: $769 per year.

2. Grange: $838 per year.

3. Tennessee Farm Bureau: $850 per year.

4. Travelers: $1,076 per year.

5. Progressive: $1,127 per year.

Drivers in Tennessee who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. Grange: $177 per year.

2. Geico: $180 per year.

3. Tennessee Farm Bureau: $245 per year.

4. Safe Auto: $333 per year.

5. State Farm: $345 per year.

Drivers with poor credit in Tennessee can check with the following companies, which showed the lowest average rates for full coverage:

1. Tennessee Farm Bureau: $982 per year.

2. Grange: $1,083 per year.

3. Geico: $1,423 per year.

4. Nationwide: $1,658 per year.

5. Progressive: $1,836 per year.

For drivers living in Tennessee with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Tennessee Farm Bureau: $850 per year.

2. Grange: $1,166 per year.

3. State Farm: $1,407 per year.

4. Travelers: $1,502 per year.

5. Geico: $1,658 per year.

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. Progressive: $1,283 per year.

2. Tennessee Farm Bureau: $1,351 per year.

3. Erie: $1,364 per year.

4. Grange: $1,469 per year.

5. State Farm: $1,627 per year.

Cheapest car insurance in Tennessee for 65-year-old drivers

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Tennessee Farm Bureau: $814 per year.

2. Grange: $820 per year.

3. Geico: $941 per year.

4. Travelers: $1,052 per year.

5. State Farm: $1,079 per year.

Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Grange: $180 per year.

2. Geico: $223 per year.

3. Tennessee Farm Bureau: $250 per year.

4. Chubb: $321 per year.

5. State Farm: $327 per year.

Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for full coverage:

1. Tennessee Farm Bureau: $940 per year.

2. Grange: $1,047 per year.

3. Geico: $1,494 per year.

4. Nationwide: $1,609 per year.

5. Progressive: $1,807 per year.

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

1. Tennessee Farm Bureau: $814 per year.

2. Grange: $1,192 per year.

3. State Farm: $1,321 per year.

4. Travelers: $1,566 per year.

5. Erie: $1,786 per year.

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. Tennessee Farm Bureau: $1,294 per year.

2. Erie: $1,351 per year.

3. Progressive: $1,360 per year.

4. Grange: $1,441 per year.

5. State Farm: $1,530 per year.

Cheapest car insurance for military families in Tennessee

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 23 of the 40 driver profiles we examined.

Minimum required car insurance in Tennessee

Tennessee law requires liability insurance for all drivers living in the Volunteer State. If you cause a crash, this coverage kicks in to pay others’ injury treatment and property damage, up to your limit.

The state’s minimum liability limits are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per accident.

• $15,000 property damage liability per accident.

A serious crash could easily result in damages that surpass these limits. To avoid paying out-of-pocket costs, consider selecting more than the bare minimum. You might also benefit from adding optional coverages such as collision, comprehensive and uninsured motorist insurance.

Alternative Tennessee car insurance

If you’re denied car insurance on the voluntary market due to past violations, crashes, poor credit or other reasons, you can apply for coverage via the Tennessee Automobile Insurance Plan.

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

• We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

• We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

• For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

• We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

• For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

• For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

Finding cheap car insurance in Delaware can be a struggle. Rates vary by company, age, marital status, credit history and other factors.

By shopping around, however, you can weed out the most jaw-dropping quotes and find competitive deals. To make things easier, NerdWallet tested rates from 22 insurers in Delaware for several driver types.

Cheapest for 20-year-old drivers in Delaware

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Drivers in Delaware with clean driving records may want to consider the following companies, which had the lowest average rates:

1. Geico: $2,203 per year.

2. California Casualty: $3,063 per year.

3. Nationwide: $3,192 per year.

4. State Farm: $4,054 per year.

5. Travelers: $4,704 per year.

Drivers in Delaware who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Geico: $1,016 per year.

2. California Casualty: $1,253 per year.

3. Allstate: $1,896 per year.

4. Nationwide: $1,975 per year.

5. Travelers: $2,043 per year.

Drivers with poor credit in Delaware should look at the following insurers with the lowest average rates for minimum coverage:

1. Geico: $1,314 per year.

2. California Casualty: $2,065 per year.

3. Travelers: $2,078 per year.

4. Allstate: $2,473 per year.

5. Nationwide: $2,639 per year.

For drivers with a recent accident in Delaware, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $1,336 per year.

2. California Casualty: $1,466 per year.

3. Travelers: $2,043 per year.

4. Nationwide: $2,253 per year.

5. Allstate: $2,742 per year.

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

1. Geico: $2,163 per year.

2. Progressive: $2,370 per year.

3. Allstate: $2,466 per year.

4. California Casualty: $2,579 per year.

5. Nationwide: $2,599 per year.

Cheapest for 30-year-old drivers in Delaware

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Drivers in Delaware with clean driving records may get the lowest rates from these companies:

1. Travelers: $1,040 per year.

2. Geico: $1,163 per year.

3. Nationwide: $1,482 per year.

4. California Casualty: $1,696 per year.

5. State Farm: $1,915 per year.

Drivers in Delaware who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

1. Geico: $509 per year.

2. Travelers: $512 per year.

3. California Casualty: $683 per year.

4. MetLife: $814 per year.

5. Nationwide: $904 per year.

Drivers with poor credit in Delaware should consider the following companies with the lowest average rates for full coverage:

1. Geico: $1,471 per year.

2. Travelers: $1,810 per year.

3. Nationwide: $1,959 per year.

4. California Casualty: $2,794 per year.

5. Progressive: $3,813 per year.

For drivers in Delaware with a recent accident, here are the lowest average rate options for full coverage:

1. Travelers: $1,040 per year.

2. Geico: $1,794 per year.

3. Nationwide: $2,079 per year.

4. California Casualty: $2,150 per year.

5. Main Street America: $2,700 per year.

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. Travelers: $1,847 per year.

2. Nationwide: $2,602 per year.

3. Progressive: $2,815 per year.

4. State Farm: $3,101 per year.

5. Geico: $3,280 per year.

Cheapest for 40-year-old drivers in Delaware

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Drivers in Delaware with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Travelers: $1,044 per year.

2. Geico: $1,162 per year.

3. Nationwide: $1,457 per year.

4. California Casualty: $1,683 per year.

5. State Farm: $1,897 per year.

Drivers in Delaware who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. Geico: $507 per year.

2. Travelers: $525 per year.

3. California Casualty: $678 per year.

4. MetLife: $814 per year.

5. Nationwide: $894 per year.

Drivers with poor credit in Delaware can check out the following insurers with the lowest average rates for full coverage:

1. Geico: $1,469 per year.

2. Travelers: $1,720 per year.

3. Nationwide: $1,926 per year.

4. California Casualty: $2,772 per year.

5. Progressive: $3,669 per year.

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

1. Travelers: $1,044 per year.

2. Geico: $1,785 per year.

3. Nationwide: $2,052 per year.

4. California Casualty: $2,135 per year.

5. Main Street America: $2,700 per year.

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. Travelers: $1,795 per year.

2. Nationwide: $2,575 per year.

3. Progressive: $2,706 per year.

4. State Farm: $3,075 per year.

5. Geico: $3,277 per year.

Cheapest for 50-year-old drivers in Delaware

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Drivers in Delaware with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Travelers: $903 per year.

2. Geico: $1,103 per year.

3. Nationwide: $1,378 per year.

4. California Casualty: $1,553 per year.

5. Main Street America: $1,773 per year.

Drivers in Delaware who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. Travelers: $449 per year.

2. Geico: $472 per year.

3. California Casualty: $635 per year.

4. Main Street America: $733 per year.

5. Progressive: $812 per year.

Drivers with poor credit in Delaware can check with the following companies, which showed the lowest average rates for full coverage:

1. Geico: $1,400 per year.

2. Travelers: $1,646 per year.

3. Nationwide: $1,818 per year.

4. California Casualty: $2,556 per year.

5. Progressive: $3,249 per year.

For drivers living in Delaware with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Travelers: $946 per year.

2. Geico: $1,706 per year.

3. Nationwide: $1,959 per year.

4. California Casualty: $2,001 per year.

5. Main Street America: $2,290 per year.

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. Travelers: $1,681 per year.

2. Nationwide: $2,483 per year.

3. Progressive: $2,522 per year.

4. Main Street America: $2,930 per year.

5. State Farm: $3,033 per year.

Cheapest for 65-year-old drivers in Delaware

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Drivers in Delaware with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Travelers: $961 per year.

2. Geico: $1,198 per year.

3. Nationwide: $1,347 per year.

4. California Casualty: $1,497 per year.

5. State Farm: $1,770 per year.

Drivers in Delaware who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Travelers: $495 per year.

2. Geico: $522 per year.

3. California Casualty: $603 per year.

4. Main Street America: $776 per year.

5. MetLife: $807 per year.

Drivers with poor credit in Delaware can look at the following companies with the lowest average rates for full coverage:

1. Geico: $1,507 per year.

2. Travelers: $1,730 per year.

3. Nationwide: $1,771 per year.

4. California Casualty: $2,465 per year.

5. Progressive: $3,303 per year.

For drivers with a recent accident living in Delaware, here are the companies with the lowest average rates for full coverage:

1. Travelers: $1,012 per year.

2. Geico: $1,800 per year.

3. Nationwide: $1,923 per year.

4. California Casualty: $1,932 per year.

5. Main Street America: $2,393 per year.

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. Travelers: $1,848 per year.

2. Nationwide: $2,447 per year.

3. Progressive: $2,794 per year.

4. State Farm: $2,873 per year.

5. Main Street America: $3,033 per year.

Cheapest for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest three auto insurance options for 38 of the 40 driver profiles we examined.

Minimum required auto insurance in Delaware

Drivers in Delaware must carry liability insurance, which covers others’ injuries and property damage if you cause a crash. Drivers must also carry personal injury protection, which pays out to cover your and your passengers’ injuries, no matter who is at fault in a crash.

The minimum required liability limits are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per crash.

• $10,000 property damage liability per crash.

• $15,000 personal injury protection per person.

• $30,000 personal injury protection per crash.

Even though these limits will be enough to drive legally, they may not fully cover others’ damages if you’re liable for a crash. If the cost of injury treatment or vehicle repairs exceeds your coverage amount, the remainder would come out of your own savings and assets.

Check out NerdWallet’s guide to minimum car insurance requirements by state for help choosing liability limits and to learn about common optional coverages you might want, such as collision, comprehensive and uninsured motorist insurance.

Alternative car insurance in Delaware

If you have multiple crashes or violations on your record, a low credit rating or other circumstances that make it difficult to buy car insurance on the voluntary market, you can seek coverage through the Delaware Automobile Insurance Plan.

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

• We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

• We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

• For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

• We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

• For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

• For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

Because auto insurance rates fluctuate from one company to the next, shopping around is crucial if you want cheap car insurance in Indiana. Prices also depend on personal circumstances such as your age, accident history and credit score.

To pinpoint the best deals in Indiana, NerdWallet collected rates from 31 insurers in the state and found the five cheapest options for several driver types.

Cheapest car insurance in Indiana for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Drivers in Indiana with clean driving records may want to consider the following companies, which had the lowest average rates:

1. Pekin: $1,285 per year.

2. Indiana Farmers: $1,557 per year.

3. Grange: $1,706 per year.

4. Erie: $1,842 per year.

5. Hastings Mutual: $1,882 per year.

Drivers in Indiana who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Pekin: $522 per year.

2. Grange: $543 per year.

3. Geico: $576 per year.

4. Indiana Farmers: $615 per year.

5. Westfield: $685 per year.

Drivers with poor credit in Indiana should look at the following insurers with the lowest average rates for minimum coverage:

1. Grange: $739 per year.

2. Geico: $825 per year.

3. Pekin: $949 per year.

4. Encompass: $982 per year.

5. Allstate: $1,039 per year.

For drivers with a recent accident in Indiana, here are the companies with the lowest average rates for minimum coverage:

1. Grange: $639 per year.

2. Pekin: $694 per year.

3. Geico: $710 per year.

4. Indiana Farmers: $738 per year.

5. Westfield: $904 per year.

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

1. Indiana Farmers: $738 per year.

2. Grange: $934 per year.

3. Geico: $942 per year.

4. Progressive: $950 per year.

5. Erie: $986 per year.

Cheapest car insurance in Indiana for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Drivers in Indiana with clean driving records may get the lowest rates from these companies:

1. Pekin: $646 per year.

2. Hastings Mutual: $794 per year.

3. Grange: $807 per year.

4. Encompass: $948 per year.

5. State Farm: $951 per year.

Drivers in Indiana who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

1. Pekin: $207 per year.

2. Grange: $215 per year.

3. Westfield: $266 per year.

4. Auto-Owners: $266 per year.

5. Geico: $295 per year.

Drivers with poor credit in Indiana should consider the following companies with the lowest average rates for full coverage:

1. Grange: $1,076 per year.

2. Hastings Mutual: $1,207 per year.

3. Pekin: $1,215 per year.

4. Encompass: $1,264 per year.

5. Geico: $1,281 per year.

For drivers in Indiana with a recent accident, here are the lowest average rate options for full coverage:

1. Pekin: $856 per year.

2. Grange: $1,046 per year.

3. Indiana Farmers: $1,162 per year.

4. Hastings Mutual: $1,249 per year.

5. American Family: $1,263 per year.

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. Indiana Farmers: $1,162 per year.

2. Pekin: $1,189 per year.

3. Grange: $1,414 per year.

4. Progressive: $1,477 per year.

5. Erie: $1,579 per year.

Cheapest car insurance in Indiana for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Drivers in Indiana with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Pekin: $595 per year.

2. Hastings Mutual: $697 per year.

3. Grange: $802 per year.

4. Indiana Farmers: $840 per year.

5. State Farm: $930 per year.

Drivers in Indiana who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. Pekin: $189 per year.

2. Grange: $219 per year.

3. Westfield: $246 per year.

4. Geico: $287 per year.

5. Auto-Owners: $290 per year.

Drivers with poor credit in Indiana can check out the following insurers with the lowest average rates for full coverage:

1. Hastings Mutual: $1,057 per year.

2. Grange: $1,058 per year.

3. Pekin: $1,118 per year.

4. Geico: $1,243 per year.

5. Encompass: $1,264 per year.

For drivers with a recent accident living in Indiana, here are the companies with the lowest average rates for full coverage:

1. Pekin: $787 per year.

2. Indiana Farmers: $1,000 per year.

3. Grange: $1,083 per year.

4. Hastings Mutual: $1,135 per year.

5. American Family: $1,147 per year.

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. Indiana Farmers: $1,000 per year.

2. Pekin: $1,092 per year.

3. Progressive: $1,335 per year.

4. Grange: $1,402 per year.

5. Erie: $1,448 per year.

Cheapest car insurance in Indiana for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Drivers in Indiana with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Pekin: $574 per year.

2. Hastings Mutual: $587 per year.

3. Grange: $757 per year.

4. Indiana Farmers: $775 per year.

5. Encompass: $849 per year.

Drivers in Indiana who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. Pekin: $183 per year.

2. Grange: $209 per year.

3. Westfield: $257 per year.

4. Hastings Mutual: $271 per year.

5. Encova: $279 per year.

Drivers with poor credit in Indiana can check with the following companies, which showed the lowest average rates for full coverage:

1. Hastings Mutual: $884 per year.

2. Grange: $985 per year.

3. Pekin: $1,077 per year.

4. Encompass: $1,129 per year.

5. Geico: $1,218 per year.

For drivers living in Indiana with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Pekin: $759 per year.

2. Indiana Farmers: $922 per year.

3. Hastings Mutual: $1,006 per year.

4. Grange: $1,065 per year.

5. American Family: $1,077 per year.

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. Indiana Farmers: $922 per year.

2. Pekin: $1,053 per year.

3. Progressive: $1,218 per year.

4. Grange: $1,320 per year.

5. Erie: $1,342 per year.

Cheapest car insurance in Indiana for 65-year-old drivers

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Drivers in Indiana with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Pekin: $598 per year.

2. Hastings Mutual: $664 per year.

3. Grange: $747 per year.

4. Indiana Farmers: $794 per year.

5. Encompass: $819 per year.

Drivers in Indiana who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Pekin: $208 per year.

2. Grange: $212 per year.

3. Westfield: $266 per year.

4. Encova: $289 per year.

5. State Farm: $297 per year.

Drivers with poor credit in Indiana can look at the following companies with the lowest average rates for full coverage:

1. Grange: $962 per year.

2. Hastings Mutual: $1,005 per year.

3. Encompass: $1,088 per year.

4. Pekin: $1,123 per year.

5. Nationwide: $1,282 per year.

For drivers with a recent accident living in Indiana, here are the companies with the lowest average rates for full coverage:

1. Pekin: $794 per year.

2. Indiana Farmers: $944 per year.

3. Hastings Mutual: $1,097 per year.

4. Grange: $1,100 per year.

5. American Family: $1,115 per year.

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. Indiana Farmers: $944 per year.

2. Pekin: $1,106 per year.

3. Progressive: $1,298 per year.

4. Grange: $1,303 per year.

5. Erie: $1,375 per year.

Cheapest car insurance for military families in Indiana

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 28 of the 40 driver profiles we examined.

Minimum required auto insurance in Indiana

Indiana requires drivers to carry liability insurance to drive legally. This coverage pays for others’ injury and property damage costs if you cause a crash.

The minimum liability limits you must select are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per accident.

• $25,000 property damage liability per accident.

While these limits will satisfy legal requirements, they may not always be enough to pay off a legal settlement against you. A single crash could easily result in more than $25,000 in damage to another driver’s vehicle, for example. Any repairs that exceed that amount would be your responsibility.

Check out our guide to car insurance requirements by state for more details on choosing your liability limits, plus optional coverages you might want such as collision, comprehensive and uninsured motorist insurance.

Alternative Indiana car insurance

If you’re denied car insurance on the voluntary market due to credit problems, a checkered driving record or other circumstances, you can seek coverage through the Indiana Automobile Insurance Plan.

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

• We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

• We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

• For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

• We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

• For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

• For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.

To avoid the steepest rates and find cheap car insurance in Rhode Island, it’s wise to compare a variety of quotes. Annual car insurance rates can vary by a thousand dollars or more from one company to the next, proving that comparison shopping pays off when it comes to auto insurance.

To help you find competitive rates, NerdWallet researched prices from 20 insurers in Rhode Island and found the five cheapest options for several common driver categories.

Cheapest car insurance in Rhode Island for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

Drivers in Rhode Island with clean driving records may want to consider the following companies, which had the lowest average rates:

1. State Farm: $1,858 per year.

2. Geico: $3,196 per year.

3. Nationwide: $3,675 per year.

4. Amica: $3,973 per year.

5. Progressive: $5,085 per year.

Drivers in Rhode Island who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. State Farm: $721 per year.

2. Geico: $1,258 per year.

3. Amica: $1,292 per year.

4. Quincy Mutual: $2,030 per year.

5. Progressive: $2,102 per year.

Drivers with poor credit in Rhode Island should look at the following insurers with the lowest average rates for minimum coverage:

1. State Farm: $1,488 per year.

2. Geico: $1,589 per year.

3. Amica: $2,163 per year.

4. Allstate: $3,028 per year.

5. Progressive: $3,340 per year.

For drivers with a recent accident in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. State Farm: $1,026 per year.

2. Geico: $1,669 per year.

3. Amica: $1,680 per year.

4. Allstate: $2,768 per year.

5. Nationwide: $2,875 per year.

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

1. State Farm: $721 per year.

2. Progressive: $2,491 per year.

3. Allstate: $2,768 per year.

4. Geico: $2,934 per year.

5. Amica: $3,094 per year.

Cheapest car insurance in Rhode Island for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Drivers in Rhode Island with clean driving records may get the lowest rates from these companies:

1. State Farm: $922 per year.

2. Travelers: $1,266 per year.

3. Geico: $1,570 per year.

4. Amica: $1,775 per year.

5. Nationwide: $1,831 per year.

Drivers in Rhode Island who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

1. State Farm: $353 per year.

2. Amica: $546 per year.

3. Travelers: $586 per year.

4. Geico: $592 per year.

5. Nationwide: $968 per year.

Drivers with poor credit in Rhode Island should consider the following companies with the lowest average rates for full coverage:

1. State Farm: $1,837 per year.

2. Travelers: $1,893 per year.

3. Geico: $1,991 per year.

4. Nationwide: $2,619 per year.

5. Amica: $2,977 per year.

For drivers in Rhode Island with a recent accident, here are the lowest average rate options for full coverage:

1. State Farm: $1,255 per year.

2. Travelers: $1,302 per year.

3. Geico: $2,320 per year.

4. Nationwide: $2,692 per year.

5. Amica: $2,893 per year.

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. State Farm: $922 per year.

2. Travelers: $1,945 per year.

3. Progressive: $3,177 per year.

4. Nationwide: $3,380 per year.

5. Geico: $3,728 per year.

Cheapest car insurance in Rhode Island for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Drivers in Rhode Island with clean driving records may want to think about the following companies, which had the lowest average rates:

1. State Farm: $904 per year.

2. Travelers: $1,201 per year.

3. Geico: $1,551 per year.

4. Amica: $1,725 per year.

5. Nationwide: $1,780 per year.

Drivers in Rhode Island who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. State Farm: $347 per year.

2. Amica: $529 per year.

3. Travelers: $569 per year.

4. Geico: $592 per year.

5. Quincy Mutual: $797 per year.

Drivers with poor credit in Rhode Island can check out the following insurers with the lowest average rates for full coverage:

1. Travelers: $1,760 per year.

2. State Farm: $1,800 per year.

3. Geico: $1,952 per year.

4. Nationwide: $2,545 per year.

5. Amica: $2,894 per year.

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

1. State Farm: $1,231 per year.

2. Travelers: $1,233 per year.

3. Geico: $2,298 per year.

4. Nationwide: $2,627 per year.

5. Amica: $2,843 per year.

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. State Farm: $904 per year.

2. Travelers: $1,877 per year.

3. Progressive: $2,977 per year.

4. Nationwide: $3,315 per year.

5. Geico: $3,706 per year.

Cheapest car insurance in Rhode Island for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Drivers in Rhode Island with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. State Farm: $878 per year.

2. Travelers: $1,184 per year.

3. Geico: $1,555 per year.

4. Amica: $1,609 per year.

5. Nationwide: $1,674 per year.

Drivers in Rhode Island who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. State Farm: $338 per year.

2. Amica: $489 per year.

3. Travelers: $542 per year.

4. Geico: $587 per year.

5. Quincy Mutual: $717 per year.

Drivers with poor credit in Rhode Island can check with the following companies, which showed the lowest average rates for full coverage:

1. State Farm: $1,747 per year.

2. Travelers: $1,842 per year.

3. Geico: $2,043 per year.

4. Nationwide: $2,393 per year.

5. Amica: $2,700 per year.

For drivers living in Rhode Island with a recent accident, here are the insurers with the lowest average full coverage rates:

1. State Farm: $1,197 per year.

2. Travelers: $1,211 per year.

3. Geico: $2,315 per year.

4. Nationwide: $2,496 per year.

5. Amica: $2,727 per year.

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. State Farm: $878 per year.

2. Travelers: $1,980 per year.

3. Progressive: $2,722 per year.

4. Nationwide: $3,183 per year.

5. Geico: $3,756 per year.

Cheapest car insurance in Rhode Island for 65-year-old drivers

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Drivers in Rhode Island with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. State Farm: $917 per year.

2. Travelers: $1,275 per year.

3. Geico: $1,570 per year.

4. Nationwide: $1,602 per year.

5. Quincy Mutual: $2,038 per year.

Drivers in Rhode Island who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. State Farm: $359 per year.

2. Geico: $599 per year.

3. Travelers: $647 per year.

4. Quincy Mutual: $755 per year.

5. Amica: $798 per year.

Drivers with poor credit in Rhode Island can look at the following companies with the lowest average rates for full coverage:

1. State Farm: $1,826 per year.

2. Travelers: $1,985 per year.

3. Geico: $2,060 per year.

4. Nationwide: $2,285 per year.

5. Progressive: $4,331 per year.

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

1. State Farm: $1,254 per year.

2. Travelers: $1,331 per year.

3. Geico: $2,333 per year.

4. Nationwide: $2,404 per year.

5. MetLife: $2,811 per year.

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. State Farm: $917 per year.

2. Travelers: $2,104 per year.

3. Nationwide: $3,092 per year.

4. Progressive: $3,255 per year.

5. Geico: $3,773 per year.

Cheapest car insurance for military families in Rhode Island

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for all 40 driver profiles we examined.

Minimum required auto insurance in Rhode Island

Rhode Island car insurance policies must include liability insurance, which covers others’ injury treatment and property damage if you’re responsible for a crash.

The minimum limits you must select are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per incident.

• $25,000 property damage liability per incident.

While buying the minimum car insurance allows you to drive legally, it might not be enough to pay for an accident you cause. Say you cause a crash and total another driver’s expensive luxury car. The property damage could easily exceed your $25,000 limit, and the remaining balance might have to come out of your pocket.

Most drivers can benefit from raising their liability limits beyond the state minimum. You may also want to consider common optional coverages such as collision, comprehensive and uninsured motorist insurance. Check out NerdWallet’s guide to car insurance requirements by state for more help planning your Rhode Island policy.

Alternative Rhode Island car insurance

If you have multiple crashes on record, DUIs, poor credit or other issues, it may be difficult to buy car insurance on the voluntary market. As an alternative, you can seek coverage through the Rhode Island Automobile Insurance Plan.

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

• We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

• We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

• For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

• We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

• For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

• For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

Buying a life insurance policy can be quick and easy. Unsure of where to start? We’ll walk you through the whole process, so you can compare life insurance quotes and choose the right coverage for you and your family.

A life insurance policy is a contract between you and an insurance company. In exchange for regular payments, called premiums, the insurer pays out money after you die. This payment goes to the people you choose as beneficiaries — usually children, a spouse or other family members. It can be an important safety net if anyone depends on you financially. Beneficiaries can use the money to repay debts, replace your income, or provide funds for future expenses like college tuition.

There are two main types of life insurance: term and permanent. Within these two categories there are various types of policies. Understanding which one is right for you can help you build a robust life insurance plan.

Term life insurance works by covering you for a limited period of time, such as 10 or 20 years. You can choose a term length that matches your needs, and if you die within the term, your beneficiaries receive the payout. When your term life insurance expires, you can buy a new policy or reassess your options. Ideally, by the time the term ends, you no longer need life insurance: Your house will be paid down, your kids will be grown and you’ll have some money in the bank.

Cons: It’s only valid for a set period of time, and it doesn’t build cash value.

Pros: Permanent coverage can provide money for your heirs regardless of when you die. This type of insurance can also be useful if you want to spend your retirement savings but still leave money for final expenses, such as funeral costs.

Cons: Permanent policies are more expensive than term life products due to their lifelong coverage and cash value accounts.

To figure out how much life insurance you need, think about your financial obligations. Then, aim to take out a policy to match them. Debt and income replacement calculators can help you decide before you get quotes.

Here are some expenses to consider:

• Outstanding debts, such as a mortgage, personal loan or credit card balance.

• Everyday living expenses, including child care, utility bills, groceries and car insurance.

• Future expenses, like funeral costs and college tuition.

Another way to crunch the numbers is to multiply your annual income by 10, and use that as a rough estimate.

Although you may have some life insurance through your job, it’s generally a good idea to have your own policy in addition to the life insurance provided by your employer. The policy through your workplace likely isn’t enough to meet your family’s financial needs and can end if you leave the job.

It’s cheaper than you might think. The average life insurance rate for a 40-year-old in excellent health can be as little as $27 a month for a 20-year term policy with $500,000 in coverage, according to Quotacy, a life insurance brokerage. Rates can vary among insurers — sometimes significantly. When setting your rate, each life insurance company weighs factors like your health, lifestyle and driving record differently. Some are more lenient than others, which is why it’s important to compare quotes from several insurers.

Here are average annual life insurance rates for a $500,000, 20-year term life insurance policy for healthy applicants.

Here are average annual life insurance rates for a $500,000 whole life policy for healthy applicants.

The earlier you apply, the better. No matter which insurer you go with, two of the main factors that affect your life insurance premium are your age and health. So the younger and healthier you are, the better your rate is likely to be.

You can still get life insurance if you have a medical condition, but insurers vary in how they view preexisting conditions. Some policies, such as guaranteed issue and simplified issue life insurance, don’t require an exam. These types of policies are typically called no medical exam life insurance. But, if you’re healthy, saying yes to a medical exam could actually lower your rate. That’s because the insurer has a complete picture of your health.

There are a few ways to buy a life insurance policy:

Directly from the insurer. If you’ve done your own research and know exactly which policy you want, you can often buy directly from the insurer.

Through an agent or broker. Need a little help choosing a policy? That’s where a life insurance agent or broker comes in. An agent or broker can help you navigate your options, find a policy that suits your budget and gather all the documents you need to apply for coverage.

Compare policies online. Most insurance companies support online quotes. This makes it easy to shop around for the best coverage at the right price.

Learn more about some of the top insurers by reading our life insurance reviews.

When you’re assessing life insurance companies, look at these three factors:

Financial strength ratings. These determine an insurer’s ability to pay out claims in the future. You can check out insurers’ financial strength through ratings agencies such as A.M. Best or Standard & Poor’s. NerdWallet recommends avoiding insurers with an A.M. Best rating of B or lower, if possible.

Complaint ratios. Ideally, you want to choose a company with a strong track record for customer service. NerdWallet’s ranking of the best life insurance companies favors companies that have fewer complaints to state regulators.

Policy options. Not all companies sell the same types of policies, and some focus on specific products, such as life insurance policies for children. Narrow your choices by reading life insurance reviews and knowing the type of coverage you want before you begin comparing life insurance quotes.

Collect the information you need before you start the life insurance application process. You’ll likely need to provide details about your current and past health conditions, as well as your family’s health history. The insurer may need your consent to get medical records and ask you to take a life insurance medical exam. Insurers also check other sources, such as MIB Group, which collects data on medical conditions, your driving record and hazardous hobbies.

When you choose life insurance beneficiaries — the people who will receive the payout when you die — be sure you have their Social Security numbers and dates of birth. You may also have to answer questions about criminal convictions and driving violations, such as a suspended driver’s license or DUI, particularly if they happened within the past few years.

With some insurers, you can apply online and get instant life insurance. If approved, your coverage could go into effect the same day.

You might come across these terms when you’re shopping for life insurance. Here’s what they mean.

Beneficiary: The person or people you select to get the life insurance payout when you die.

Carrier: Another name for a life insurance company.

Cash value: Permanent life insurance policies typically have an investment portion that increases in value over time. This is known as the cash value account, and once you’ve accumulated enough cash value, you may be able to borrow against your policy.

Death benefit: The amount of money the insurer will pay out to your beneficiaries, generally tax-free, when you die.

Dividend: Some insurers are mutual companies, which means they’re partly owned by their policyholders. They may pay out a sum of money to some policyholders each year based on the company’s financial performance. These payments are dividends.

Exclusions: The circumstances in which your life insurance policy won’t pay out, such as death from a risky activity like skydiving. Exclusions vary among insurers and are listed in the policy documents.

Face value: The basic death benefit of the policy. For example, if you purchase a $500,000 policy, its face value is $500,000.

Policyholder: The person who owns the life insurance policy.

Premium: The amount of money you’ll pay to keep your life insurance policy active. With most policies, you have the option to pay monthly, quarterly, semiannually or annually.

Underwriting: The process an insurer uses to gather information about you and set your life insurance rate.

When looking for cheap car insurance in Nevada, you may run into some challenges. Prices can vary significantly from one company to the next, even for the same coverage options and limits, so it pays to gather as many quotes as possible.

To make things easier, NerdWallet collected rates from 35 insurers in the state and found the cheapest options for several types of drivers.

Cheapest car insurance in Nevada for 20-year-old drivers

Young drivers may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. To cut down on costs, young drivers might want to consider buying only state-mandated coverage, rather than full coverage insurance. Still, some companies routinely have lower insurance rates for drivers in their 20s, so it’s best to shop around to find them.

Many insurance companies offer ways for young drivers to save, such as good student discounts for those in college or premium reductions for those who take a defensive driving course. If you live in an apartment, consider getting your renters and auto insurance from the same company to take advantage of bundling discounts.

Drivers in Nevada with clean driving records may want to consider the following companies, which had the lowest average rates:

1. Geico: $2,001 per year.

2. Nationwide: $2,973 per year.

3. Country Financial: $3,077 per year.

4. State Farm: $3,317 per year.

5. Progressive: $3,676 per year.

Drivers in Nevada who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Geico: $850 per year.

2. Country Financial: $1,197 per year.

3. Nationwide: $1,323 per year.

4. Progressive: $1,357 per year.

5. State Farm: $1,372 per year.

Drivers with poor credit in Nevada should look at the following insurers with the lowest average rates for minimum coverage:

1. Geico: $1,133 per year.

2. Progressive: $1,654 per year.

3. Nationwide: $1,728 per year.

4. Country Financial: $1,799 per year.

5. Hallmark Insurance: $1,988 per year.

For drivers with a recent accident in Nevada, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $1,131 per year.

2. Nationwide: $1,547 per year.

3. Country Financial: $1,560 per year.

4. Progressive: $1,663 per year.

5. Hallmark Insurance: $1,753 per year.

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

1. Progressive: $1,548 per year.

2. Geico: $1,653 per year.

3. Hallmark Insurance: $1,753 per year.

4. Nationwide: $1,847 per year.

5. Kemper: $1,969 per year.

Cheapest car insurance in Nevada for 30-year-old drivers

By the time they reach their 30s, most drivers enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices.

Drivers in their 30s can get lower rates by shopping around and taking advantage of car insurance discounts. You may be able to save by insuring multiple vehicles with the same carrier, or by bundling your auto policy with your home insurance. Also, keep an eye out for discounts based on your profession or affiliations; some insurers offer more affordable insurance rates for teachers, members of the military or alumni of certain colleges.

Drivers in Nevada with clean driving records may get the lowest rates from these companies:

1. Geico: $1,009 per year.

2. Nationwide: $1,550 per year.

3. Progressive: $1,575 per year.

4. State Farm: $1,754 per year.

5. Farmers: $2,039 per year.

Drivers in Nevada who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

1. Geico: $375 per year.

2. Progressive: $534 per year.

3. Nationwide: $592 per year.

4. State Farm: $602 per year.

5. Country Financial: $704 per year.

Drivers with poor credit in Nevada should consider the following companies with the lowest average rates for full coverage:

1. Geico: $1,361 per year.

2. Progressive: $2,143 per year.

3. Nationwide: $2,194 per year.

4. Country Financial: $3,013 per year.

5. American Family: $3,052 per year.

For drivers in Nevada with a recent accident, here are the lowest average rate options for full coverage:

1. Geico: $1,719 per year.

2. State Farm: $2,219 per year.

3. Nationwide: $2,266 per year.

4. Progressive: $2,633 per year.

5. Country Financial: $2,642 per year.

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. Progressive: $2,190 per year.

2. Geico: $2,635 per year.

3. State Farm: $2,804 per year.

4. Nationwide: $2,905 per year.

5. Farmers: $3,113 per year.

Cheapest car insurance in Nevada for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Ask about discounts for signing up for autopay, paying your premium in full rather than quarterly or monthly, and opting for electronic statements. If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts.

Drivers in Nevada with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Geico: $1,015 per year.

2. Nationwide: $1,460 per year.

3. Progressive: $1,528 per year.

4. State Farm: $1,739 per year.

5. Country Financial: $1,815 per year.

Drivers in Nevada who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. Geico: $374 per year.

2. Progressive: $506 per year.

3. Nationwide: $537 per year.

4. Country Financial: $590 per year.

5. State Farm: $607 per year.

Drivers with poor credit in Nevada can check out the following insurers with the lowest average rates for full coverage:

1. Geico: $1,370 per year.

2. Nationwide: $2,069 per year.

3. Progressive: $2,101 per year.

4. Country Financial: $2,586 per year.

5. American Family: $3,052 per year.

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

1. Geico: $1,722 per year.

2. Nationwide: $2,155 per year.

3. State Farm: $2,200 per year.

4. Country Financial: $2,357 per year.

5. Progressive: $2,569 per year.

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. Progressive: $2,130 per year.

2. Geico: $2,665 per year.

3. State Farm: $2,780 per year.

4. Nationwide: $2,794 per year.

5. Country Financial: $2,818 per year.

Cheapest car insurance in Nevada for 50-year-old drivers

Drivers in their 50s have, on average, cheaper auto insurance rates than most other age groups. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the cheapest price you can. Our list of the best cheap car insurance companies is a good place to start.

Some insurers offer senior discounts to policyholders in their 50s, though some may require you to take a defensive driving course to snag the savings. If you’ve been with your insurer for many years, you may qualify for a loyalty discount. Still, it’s a good idea to check with other companies periodically to make sure you’re not paying too much.

Drivers in Nevada with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Geico: $912 per year.

2. Nationwide: $1,364 per year.

3. Progressive: $1,419 per year.

4. Country Financial: $1,631 per year.

5. State Farm: $1,718 per year.

Drivers in Nevada who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. Geico: $329 per year.

2. Progressive: $490 per year.

3. Nationwide: $504 per year.

4. Country Financial: $508 per year.

5. State Farm: $602 per year.

Drivers with poor credit in Nevada can check with the following companies, which showed the lowest average rates for full coverage:

1. Geico: $1,233 per year.

2. Progressive: $1,923 per year.

3. Nationwide: $1,933 per year.

4. Country Financial: $2,303 per year.

5. American Family: $2,752 per year.

For drivers living in Nevada with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Geico: $1,605 per year.

2. Nationwide: $2,038 per year.

3. Country Financial: $2,148 per year.

4. State Farm: $2,175 per year.

5. Progressive: $2,531 per year.

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. Progressive: $2,035 per year.

2. Country Financial: $2,501 per year.

3. Geico: $2,554 per year.

4. Nationwide: $2,677 per year.

5. State Farm: $2,748 per year.

Cheapest car insurance in Nevada for 65-year-old drivers

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should shop around to find the lowest rate.

Drivers in this age group should also take advantage of any available discounts for senior citizens. For example, some companies will discount your rate if you take a defensive driving course. You may also be able to save money after retirement if you’re driving fewer miles each year.

Finally, consider whether you need all the coverage you currently have. If you’re not commuting to work each day, for instance, you may not need rental reimbursement coverage when your own car is in the shop for repairs.

Drivers in Nevada with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Geico: $903 per year.

2. Nationwide: $1,314 per year.

3. Country Financial: $1,616 per year.

4. Progressive: $1,626 per year.

5. State Farm: $1,647 per year.

Drivers in Nevada who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Geico: $337 per year.

2. Nationwide: $500 per year.

3. Country Financial: $520 per year.

4. State Farm: $571 per year.

5. Progressive: $600 per year.

Drivers with poor credit in Nevada can look at the following companies with the lowest average rates for full coverage:

1. Geico: $1,216 per year.

2. Nationwide: $1,858 per year.

3. Progressive: $2,130 per year.

4. Country Financial: $2,290 per year.

5. American Family: $2,752 per year.

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

1. Geico: $1,706 per year.

2. Nationwide: $1,976 per year.

3. State Farm: $2,083 per year.

4. Country Financial: $2,215 per year.

5. Progressive: $2,961 per year.

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. Progressive: $2,439 per year.

2. Country Financial: $2,489 per year.

3. Geico: $2,614 per year.

4. Nationwide: $2,615 per year.

5. State Farm: $2,626 per year.

Cheapest car insurance for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 17 of the 40 driver profiles we examined.

Minimum required auto insurance in Nevada

Nevada car insurance policies must include liability insurance, which covers others’ property damage and injuries if you’re at fault in a crash.

The minimum auto insurance liability limits are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per incident.

• $20,000 property damage liability per incident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Even though this will be enough to drive legally, the bare minimum might not be enough to cover all damage. For example, causing an accident could easily leave you on the hook for more than $20,000 in property damage to another driver’s car. You’d have to pay for any repairs that exceed your insurance limit.

Alternative car insurance in Nevada

If you’re denied auto insurance on the voluntary market due to DUIs, poor credit or other factors, you can seek coverage through the Nevada Automobile Insurance Plan.

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

• We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

• We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

• For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

• We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

• For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

• For drivers with a DUI, we added a single drunken driving violation that happened six months ago.