What's the cheapest auto insurance in the US?

It varies by state, ZIP code, and driver profile. Geico, State Farm, and USAA (for military families) consistently rank among the lowest-priced major carriers nationally, but regional carriers — Auto-Owners, Erie, Mercury, Wawanesa — often beat them in specific states.

How much auto insurance coverage do I actually need?

State minimums are a legal floor, not a recommendation. Most consumer advocates suggest at least 100/300/100 of bodily injury and property damage liability for drivers with savings, home equity, or future earnings to protect.

Is full coverage worth it for an older car?

Generally no, once your vehicle's actual cash value drops below about 10x the annual cost of comprehensive and collision combined. Liability and UM/UIM coverage remains essential regardless of vehicle age.

What is telematics and should I sign up?

Telematics is usage-based insurance that tracks driving behavior. Programs typically offer 10–25% discounts for confirmed safe drivers and benefit drivers who avoid late-night driving, hard braking, and rapid acceleration.

How often should I shop for auto insurance?

At every renewal. Set a calendar reminder for 30 days before renewal and only renew if your incumbent is still the best price. The exercise typically saves $300–$700 per year.

AutoInsureWire — US Auto Insurance News, Rate Watch & State Coverage