State minimum coverage is the most affordable way to stay legally insured. If you drive an older vehicle, have a tight budget, or simply want to meet your state's legal requirement at the lowest possible cost, minimum coverage policies are worth comparing across multiple carriers.
Rates for the same minimum coverage can vary by 30–50% depending on the carrier — so comparing is always worth your time.
| Driver Profile | Low End Monthly | High End Monthly | Notes |
|---|---|---|---|
| Clean record, age 30–50 | $28 – $45 | $55 – $80 | Best rates available |
| One minor violation | $40 – $60 | $75 – $110 | Comparison pays off most here |
| Under 25, clean record | $55 – $85 | $110 – $160 | Carrier choice matters significantly |
| SR-22 required | $80 – $120 | $150 – $220 | Non-standard carriers required |
| Senior driver (65+) | $35 – $55 | $70 – $100 | Varies widely by state |
ⓘ Estimates based on national averages. Actual rates depend on state, zip code, vehicle, and driving history.
Disclaimer: RateWire is an independent lead generation and comparison service. All rate figures are market estimates from publicly available data sources. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.