If you own a car, car insurance is a required expense in 48 of the 50 states. A lack of diligence when shopping for your car insurance could lead to a hefty monthly bill, as well as headaches if you actually need to file a claim. We researched and explored quotes from over 128 companies in 2,700 cities to determine which insurers had the lowest costs, nationally and in each state. Our team also evaluated which companies had the best track record for customer service and the claims process.
One of the most common ways to lower your car insurance rates is by choosing a higher deductible. The deductible is the amount of money you must pay after an accident before your insurance kicks in. So, for example, if you are in an accident and there is $10,000 worth of damage done and your deductible is $1,000, you pay the $1,000 and your car insurance company pays $9,000. A higher deductible means less risk for your insurance company and lower rates for you. However, it also means that you need to have that much money on hand in case of an accident. If you go for a $2,000 deductible and don’t have $2,000 available after an accident, you won’t be able to get the repairs you need.
NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.

The best RV insurance is affordable, comprehensive, and flexible according to your needs. Because your RV functions as both a home and a car, insurance policies resemble a combination of home and auto insurance — and consequently, they tend to be somewhat more complex and expensive. Policy price will vary depending on your location, class of RV, age and condition of the vehicle, frequency of use, and more. We dig into the pros and cons of several stellar providers below, although RV insurance prices vary based on specific location and situations. We recommend getting quotes from multiple companies to see which offers you the best quote.


Yes, we offer a discount to customers who pay in full in most states. Where applicable, discounts are offered to customers who pay their auto insurance policies in full for both 12-month and 6-month policies. In addition, some states offer discounts when choosing to pay quarterly. No matter what you decide, you can have faith you’re getting cheap car insurance that’s worry-free.
Drivers can expect to pay on average $1,841 per year to buy auto insurance in Tampa, which is about 68% higher than the Florida average. For cheap auto insurance in Tampa, we suggest the Florida Farm Bureau, Travelers and GEICO, which had the lowest rates in our study. Together, these companies would save you 56% compared to the average city cost, with a mean annual premium of $807.
The most expensive place for auto insurance in Florida is the urban metropolis of Miami. Between its miles of beaches and its three-time NBA champions, the Miami Heat, the city's residents do not shy away from high temperatures, and average auto insurance premiums here are just as high. Auto insurance in Miami costs about $2,198 per year—which is about double the Florida mean.

The best RV insurance is affordable, comprehensive, and flexible according to your needs. Because your RV functions as both a home and a car, insurance policies resemble a combination of home and auto insurance — and consequently, they tend to be somewhat more complex and expensive. Policy price will vary depending on your location, class of RV, age and condition of the vehicle, frequency of use, and more. We dig into the pros and cons of several stellar providers below, although RV insurance prices vary based on specific location and situations. We recommend getting quotes from multiple companies to see which offers you the best quote.
In the 2018 midterm elections, ballot measures passed in both Missouri and Utah legalizing the use of medical marijuana. This means that in total, 32 states and Washington D.C. now allow for the medicinal use of cannabis. So can you use your health insurance to help pay for it? Due to the U.S. government's classification of the plant as a Schedule I drug, you can't use Medicare to pay for medical marijuana because it technically doesn't have any accepted medical use. Private insurers won’t cover it either, partially because the Food and Drug Administration hasn’t approved it for use. If you’re outside of the U.S. you’ll have more luck. With the legalization of recreational marijuana use in Canada in 2018, Sun Life Financial is now offering plans that cover medical marijuana use.
How much car insurance you need depends on how much coverage you are legally obligated to get, as well as how much coverage you need for your situation. Each state has certain legal requirements for car insurance, and not meeting them can result in negative consequences. Check out our car insurance state guides to see the legal car insurance minimums in your state.

Bad auto insurance comes in many forms. With bad car insurance, premiums are higher than they should be, or the company offers low premiums but minimal coverage. Some car insurance companies have poor customer service and don’t effectively communicate the status of your auto insurance claim. Others require you to use only repair shops that they approve of, and those shops can be inconvenient to access, forcing you to travel across town for repairs or wait weeks for an appointment. Still other auto insurance companies don’t have a comprehensive network of adjusters, so you have to wait longer for your claim to be processed so you can get the repairs you need. In a worst-case scenario, a car insurance company may not have the financial resources to pay claims, leaving its customers high and dry.


Coverage for a wide variety of RV types may be obtained through RVInsurance.com. Class A, B, and C Motorhomes, Fifth-Wheel and Conventional Travel Trailers, Airstream Trailers, Trucks Campers, Bus Conversions, Toy Haulers, Horse Trailers, Pop-up Tent Trailers, and other specialty and custom RVs can all be covered by the company’s insurance options. The experts at RVInsurance.com are able to find insurance coverage for any kind of RV or motorhome clients might drive.
Getting an insurance quote on RVInsurance.com is a fast and uncomplicated process. Users only need to input their zip code to start so that the company can verify if they are in one of the 48 continental states where it can provide them with quotes. Then, it’s a matter of providing some personal and vehicle information, choosing from any available discounts, and getting a final rate.
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