NerdWallet Reports Cheapest Car Insurance Across Five States for 2025

NerdWallet has analyzed the cheapest car insurance options across several states, highlighting the average costs for minimum and full coverage policies. In Kansas, minimum coverage averages $635 annually, while full coverage costs about $2,545, with Travelers offering the cheapest full coverage at $1,760. Nebraska shows lower rates, with minimum coverage averaging $387 and full coverage at $2,045, where American National provides the most affordable option at $872. Rhode Island's rates are notably higher, with minimum coverage at $920 and full coverage at $3,421, where Quincy Mutual offers full coverage for $1,743. In Alabama, minimum coverage is $451, and full coverage costs approximately $2,058, with Travelers again providing the cheapest full coverage at $1,349. Idaho presents the lowest rates among the states discussed, with minimum coverage at $380 and full coverage at $1,709, where Travelers again leads with an average rate of $860.