Cheapest Car Insurance in Illinois. Introduction Auto insurance is a necessity for most drivers, but who has the cheapest rates? According to a recent study, the cheapest rates can be found in the state of Mississippi. Drivers in Mississippi only pay an average of $1,527 per year for auto insurance, which is significantly cheaper than the national average of $2,611. In addition, Mississippi has a low accident rate, which may contribute to its low auto insurance rates. Definition of auto insurance There is no definitive answer to this question as it depends on a variety of factors, including your driving record, the type of car you drive, and the coverage you need. Overview of the importance of finding the cheapest auto insurance When it comes to finding the cheapest auto insurance, it's important to understand who actually has the best rates.
Factors that Affect Auto Insurance Rates Age According to a study by Insure.com, the cheapest auto insurance rates are found for drivers between the ages of 18 and 34. Driving Record Geico.