Cheapest Car Insurance In US and Australia

Getting an insurance company for your car might not be a hard task but what could pose as a task for you is knowing the cheapest car insurance in US and Australia, cars with cheapest insurance rates in US and in Australia, car insurance comparison in US and Australia, benefits of car insurance auto insurance in Troy and Michigan, USA.

This article aims at providing you with a vast knowledge of what you need to know about insuring of cars.

Cheapest Car Insurance In US and Australia-Cheapest Car Insurance Rates

Currently, the cheapest cars to insure in US are the following cars:

2017 Smart Fortwo. The insurance of this car costs $598/year

2011 Subaru Outbreak which is insured for $694/year

2001 Honda Civic- $850/year

2016 Volkswagen Jetta- $991/year

2020 Subaru Outback- $1207/year
2020 Honda CR-V which is insured at $1172/year
2020 RAV 4- $1,266/year
2020 Jeep Wrangler- $1,225/year

According to Forbes, the following cars are the cheapest cars to be insured as at June, 2022
Honda CR-V LX at $1574
Jeep Wrangler JI Sports – $1585
Subaru Forester 2.51- $1613
Subaru Crosstrek- $1606
Ford Escape- $1663
Chevrolet Equinox L- $1661

Since you are going for the cheapest cars to insure, avoid getting the following cars

Electric Vehicles: The batteries in electric vehicles alone are expensive so if you do not want your car insurance to be expensive, consider this.

Sports Cars: Sport cars are mostly used by young people and due to the rate of speed many young people use during driving, the risk of accident becomes high which in turn influences insurance.

Luxury Cars: The model of car that is to be insured and the cost of repair are some other factors that could influence the rate of car insurance in America.

Cars With Cheapest Insurance Rates In Australia

The following are the cheapest cars to insure in Australia
Mazda CX3
Mazda CX5
Citron C3
Skoda Scala
Sedan N line

In Australia, there are factors that influence the rate of car insurance and they include;

Car value: Insurance companies need to know the value of your car

History of the driver: The driver’s history is checked to find out if he has been involved in a crime before

Gender of the driver

Your car rating: Your car should have a four star rating. The Australasian New Car Assessment Program (ANCAP) usually provides car costumers with safety ratings.

Popularity of your car: A popular car might attract more insurance rate

Age: Males under the age of 20 pay most for car insurance and this is partly because of the speed at which males under this category drive

Years of experience: If a driver has a good number of years of experience, he is less likely to drive recklessly or even get involved in an accident.

How often you drive

Family Sized Car: If it is a family sized car it will be hard for it to get involved in an accident due to the cautiousness of the driver.

Fuel Consumption

History of the car: Does the car often get involved in an accident or it hardly gets involved in an accident

Age of the car: Most times, an older car will cost less

No Claim Bonus: This is a kind of discount offered to customers for not making claims in the previous policy period.
Rate of insurance of a car is also influenced by the state the car is being insured.

In Brisbane, the average cost of car insurance for Toyota Camry goes as follows:
Toyota Corolla- $735-$736/year

Toyota Hilux- $870-$890/year
Mazda 3-$787-$805/year. The gender of the driver is included in these rates
In Sydney, the following are rates of car insurance with inclusion of the gender
Mazda 3-$1,075-$1,106
Toyota Corolla- $1,011-$ 1,027
Toyota Hilux- $1,119-$1,201
In Melbourne, a car insurance rate with inclusion of gender goes as follows
Mazda 3-$1070-$1,035
Toyota Corolla- $781-$990
Toyota Hilux- $1,142-$1,167

The state to get the cheapest car insurance in Australia is Tasmania, there annual average rate is $873 while the most expensive state when it comes to car insurance is Victoria, there annual car insurance rate is $1487 followed by New South Waves.

According to finder, those below or above the age of 20 pay an average of $2,097/year, those in their 30s pay $1,081.51 annually, those in their 40s pay $2,112/year and those above 50 pay $953 annually. The next in our article of cheapest car Insurance in US and Australia is car insurance comparison.

Cheapest Car Insurance In US And Australia- Car Insurance Comparison In US

The amount of car insurance in US varies from state to state and also on the insurance company. The following are the states in the United States of America and their full car insurance coverage per annum. The prices for each state differ.
Alabama- $3,632
Alaska- $2,650
Arizona- $3,294
Arkansas-$3,850
California- $3,564
Colorado-$3,969
Connecticut- $3,638
Delaware- $4,741
Florida- $4,890
Georgia-$3,714
Hawaii-$1,143
Idaho-$2,124
Illinois-$3,172
Indiana-$2,409
Iowa-$2,124
Kansas-$3,478
Kentucky-$4,915
Louisiana-$5,873
Maine-$2,469
Maryland-$4,490
Massachusetts-$2,618
Michigan-$4,616
Minnesota-$2,884
Mississippi-$3,636
Missouri-$3,543
Montana-$3,543
Nebraska-$2,915
Nevada-$5,052
New Hampshire-$2,448
New Jersey-$3,883
New Mexico-$2,784
New York-$3,958
New Carolina-$1,533
North Dakota-$2,344
Ohio-$2,298
Oklahoma-$3,632
Oregon-$2,599
Pennsylvania-$3,380
Rhode Island-$4,820
South Carolina-$3,178
South Dakota-$2,567
Tennessee-$2,954
Texas-$3,805
Utali-$3,371
Vermont-$2,410
Virginia-$2,884
Washington-$2,783
Washington DC-$3,785
West Virginia-$3,442
Wisconsin-$2,602
Wyoming-$2,937

Insurance rates in US depend on age and gender too.

There are different types of car insurance in US and they include

Collision Car Insurance: This type of insurance policy covers damages on your car should your car collide with another car or a pole or rail.

Liability Car Insurance: This covers you when you cause an accident with your car, it pays for damages done on the other party’s car and covers for funeral if lives were lost but you and your car are excluded from the coverage.

Comprehensive Car Insurance: This covers you against any damages to your car, damages caused by collision, vandalism or theft.

Uninsured/underinsured Motorist Insurance: If you have an accident with a motorist with insufficient insurance, this scheme covers you.

Medical Payments Insurance: If there is a vehicle related treatment, this insurance takes it up, it covers you and your passengers. Not all states in the US have this type.

Personal Injury Protection Insurance: This covers medical treatment and other losses as a result of injury like lost wages from days you couldn’t work as a result of injury or health issues you sustained from an accident.
Gap insurance
Rental Car Reimbursement
Rideshare Insurance
Accident Forgiveness Insurance
Mechanical Breakdown Insurance

Cheapest Car Insurance In US and Australia- Car Insurance Comparison In Australia

When choosing a car insurance policy in Australia, go for the one that has your choice of rental car and the one that will fit into your budget.

Comprehensive Car Insurance: This type of car insurance covers damages to all vehicles and properties involved in an accident including your vehicle and properties as long as you were at fault.

Third Party Property Damage Insurance: It covers the damages to people’s cars and properties if you are at fault. It excludes you.

Third Party Property, Fire and Theft Car Insurance: If you are at fault, it covers damages to other people’s cars and properties but not yours. It only covers your car if your car was damaged by fire or anything or if your car was stolen.

Compulsory Third Party: This covers you if you sustained an injury from an accident caused by you, it covers you for up to 26 weeks

Cheapest Car Insurance in US and Australia- Auto Insurance in Troy and Michigan, US

Kimberly Morris- State Farm Insurance Agent at 6441 Inkster Rd, Ste 240
Bloomfield Hills, Michigan, AAA Troy- Rochester at 25 E long lake Rd, Troy, MI 48085
Adren Hendrix- State farm insurance agent, MI
Having listed the cheapest car insurance in US and Australia, let’s list the benefits of car insurance.

Cheapest Car Insurance In US And Australia -Benefits of Car Insurance

Insuring your car comes with so many benefits
Damage or loss: If your car gets damaged or stolen or if any part is stolen at all, the insurance takes control
If you injure someone with your car, your insurance will pay the expenses
It keeps you free from the hassles of running around just to fix your car
Insurance prolongs the value of your car
It covers legal cost
It covers medical bills for a person you injured while driving and can as well cover you too but it depends on the type of car insurance.
It protects your car from any natural disaster or man made attack.
If a person who has insured his car dies in a car accident, the insurance covers his funeral and compensates the family.

Cheapest Car Insurance In US And Australia- Companies In US That Offer Car Insurance

Geico: According to Forbes, the average annual rate for good drivers is $1.182 and the annual rate for drivers with a speeding ticket is $1,579. It was established in 1936 as the Government Employees Insurance Company and that is where the name Geico comes from. They offer accident forgiveness and also offer a good rate for drivers and seniors who can be expensive to insure. Their average annual full coverage premium is $1297 while the minimum coverage premium is $ 1397. Located at Chevy Chade, Md. Their slogan is “15 minutes could save you 15% or more on car insurance”. The company also offers a military auto insurance section which is staffed by veterans. You can reach them at http://www.geico.com

State Farm: Their average annual full coverage premium is $1,397 and the average annual minimum coverage is $456. They reward drivers with discounts on car insurance policy but it depends on their good driving habit. This insurance company is located at Bloomington, III. You can learn more or reach them at https://www.statefarm.com/insurance/auto&sa=

USAA: Located at San Antonio, Texas. Average annual full coverage premium (AAFCP) is $1,209 while average annual minimum coverage premium (AAMCP) is $354. You can learn more or contact them at https://mobile.usaa.com/inet/wc/auto-insurance

This insurance company is located at Mayfield village, Ohio. AAFCP is $1,561 while AAMCP is $542. This insurance tracks your driving and then lowers your rates if you are found driving safe. Contact them at http://www.progressive.com

Allstate: Located at Northbrook, Ill. AAFCP is $2438. Allstate car insurance rates for drivers who have a DUI conviction are high and if you cause an accident with your car, your car insurance rate could go up when it is time for renewal. Allstate offers accident forgiveness insurance but as an optional add-on. The coverage “forgives” an accident and it won’t lead to an increase in your premium even when the accident was caused by you. It offers new car replacement as an add on and also offers loan or lease gap insurance. If your car is totaled and it gets involved in an accident, and the insurance payout for the value of the vehicle is lower than what you owe on a car loan or lease, gap insurance pays the difference. You might want to consider taking this coverage if you have a large loan or lease amount and if you know your the value of your vehicle will depreciate soon. Some of their discounts include:

Multiple policy discount: If you have more than one Allstate policy, you could save money off your premiums.

Responsible payer discount: If you didn’t receive a cancellation notice within the past year, you can get a discount.

Anti-lock brake discount: Driving a car with anti-lock brakes will save your money

Early signing discount: If you sign your policy seven or more days before it becomes effective, you could receive a discount.

Safe driving club discount: If you meet certain safe driving requirements, you could qualify for the safe driving club and can also get a discount. Contact them at http://www.allstate.com

Liberty Mutual: Located at Boston, Mass. The Liberty better car replacement policy program can replace your car with a model that is one year with up to 15,000 miles than your totalled car. Contact them at http://www.libertymutual.com

Farmers: Located at Los Angeles, California. AAFCP is $1524 while AAMCP is $550. Here you can buy original equipment manufacturer coverage. That is, if your car is damaged, original manufacturer part will be used to repair it. It also offers ride sharing coverage and you can replace your car with a new model but only if your vehicle is less than 2 years old and has fewer than 24,000 miles.

Travelers: Located at New York City, NY. AAFCP is $1,568 while AAMCP is $508. This insurance company has rental car coverage, accident forgiveness and you can replace a new car too. If you are sure of being a cautious driver you could use the IntelliDrive policy, it allows the company track you with a smartphone app for 90 days and if it is confirmed that you drive safely, the cost of your premium will be reduced. You can reach them at http://www.travelers.com

Nationwide: It is located at Columbus, Ohio. AAFCP is $1,383 while AAMCP is $549.
American Family: Their AAFCP is $1,090 while the AAMCP is $465. You can learn more or reach them at https://www.usnews.com/insurance/auto/www.amfam.com/

Country Financial: This insurance company is not available in all US states, it is only available in 19 states and it does not offer rideshare coverage for drivers who use their personal vehicle to drive for Uber, it also does not cover gap insurance. The following are some coverage options. You can reach them at http://www.countryfinancial.com

Bodily injury liability coverage: Protects you financially if you hurt someone in an accident
Collision coverage: Pays for car repairs when you’re in an accident
Comprehensive coverage: This helps pay for damages if your car is stolen, vandalized, or damaged from an occurrence other than an accident with another car
Medical payments coverage: This covers medical bills that result from an accident
Property damage liability: Pays for damages if you cause damage to someone else’s property with

The Hartford: This is only for drivers who are members of the American Association of Retired Persons(AARP). Learn more at http://www.thehartford.com

Erie Insurance: If you are under 25, this insurance policy could be fit for you. Its AAFCP is $1,621. They offer accident forgiveness too, meaning there will be no surcharge the first time you’re at fault in an accident but that is after you have been a customer for three years. If you own more than one car, you can enlarge your auto coverage for liitle pennies a day. If your new car gets completely damaged after an accident, it will be replaced with a new vehicle of the latest model year but that is if the car is less than two years and if it is totaled, it can replace an older car with a vehicle two years newer. Contact them at http://www.erieinsurance.com

Cheapest Car Insurance In US And Australia- Companies In Australia That Offer Car Insurance

This insurance offers a new car replacement if the totalled car is under 2 years, the policy covers over $500 for child safety seats and prams, $500 for travel and accommodation cost after an accidents but if you are more than 200km away from home . If also offers $1000 to replace keys and locks if stolen. You can reach them at http://huddle.com.au

Virgin Money Comprehensive Car Insurance: 

This is good for young drivers. It offers 15% no claims discount and 15% buy online discount for the first year premium. In this insurance policy, you can book in for towing if the vehicle is unsafe to drive because of the damage an accident has caused and essential repairs of $500 will be covered by Virgin Money. You can also claim up to $1,000 (at $200 per-day) for travel and accommodation costs that is only after an insurable incident. If your car is stolen or if you have been involved in an accident that was not your fault, you are qualified to hire car cover up to 14 days (or up to $1,000). Contact them at http://www.virginmoney.com.au

Woolworths Comprehensive Car Insurance: This insurance changes your car if it is below two years old and it also offers 15% buy online discount. If you cause damages to someone’s car, the company will replace or repair the other driver’s car or property up to $20m, they tow your car to the nearest safe or secure place after an insured incident and also cover for any loss or damages to your car peradventure something happens to it while it’s being transported through land, sea, rail or air within Australia. This insurance company also assists you when it comes to repairs or cost of replacement of your front windscreen glass if it’s accidentally damaged. In addition to this, you’ll pay no excess for the first front windscreen claim under this insurance policy.

Youi Comprehensive Car Insurance: It offers $1,000 during an emergency in order to cover for repairs and accumulation. You can get a new car when your car is old or damaged that is if you bought the car new or as a dealer demonstration model. You can reach them at http://www.youi.com.au

Budget Direct Gold Comprehensive Car Insurance: Offers 15% buy online discount, can get a new for old car replacement if the car is less than two years and has been driven less than 40,000km. Budget Direct also offers a standard comprehensive insurance but it can only be bought over the phone. Under the Gold Comprehensive policy, you will be paid up to $500 if your personal effects are damaged in a collision or stolen from your car, you will also be separately paid $500 if any child seats or any baby capsules are damaged in a collision you got involved in or if it was stolen from your car. Contact them at http://www.budgetdirect.com.au

Just as insuring your life, body, health, house and kid are important, it is also important that you pay attention to the maintenance of your car and safety of yourself and your passengers. This is what a car insurance company can help you do peradventure you get too busy to handle all these. Aside the insurance companies listed above, there are other insurance companies in US and Australia that help you with your car. We hope this article guides you in choosing the cheapest car insurance in US and Australia, makes you know the cars with cheapest insurance rates in US and in Australia and car insurance comparison in US and Australia. We also hope with the help of the article you have been able to know the various benefits of car insurance and auto insurance in Troy and Michigan, USA.