Our average car insurance rates by state analysis finds that Vermont is the cheapest state for full coverage car insurance. The cheapest states are: Drivers in Wyoming pay the least for minimum ...

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

Car insurance companies consider motorists with a history of accidents, speeding tickets or DUI convictions high-risk drivers — and charge them some of the highest rates of any demographic.