Cheap vehicle insurance is easy to find as long as you know what you are looking for and how to find it. To get the cheapest auto insurance, acquiring only your state minimum may do it. To save even more, shop around.

First, you need to know your state’s legal minimum. To understand the numbers that you may see, let’s take a look at a sample of the most common US minimum – the 25/50/10, which is in affect in 12 states. The first 2 numbers pertain to bodily injury liability (per person/per accident), while the 3rd number pertains to property damage liability (per accident). The numbers are in thousands of dollars, so 25/50/10 actually means $25,000/$50,000/$10,000.

There are about four other major types of car insurance coverage: Medical Payments, Uninsured Motorists, Collision, and Comprehensive. There are also additional types of coverage available, such as Towing and Rental Car. However, if you are looking to save money, you can do so by purchasing only your state required minimum type/amount of coverage.

State Minimum Requirements

(Bodily Injury per Person/Bodily Injury per Accident/Property Damage per Accident)

10/20/10: Louisiana, Florida, Oklahoma

12.5/25/7.5: Ohio

15/30/10: Arizona, Georgia, Nevada

15/30/5: Delaware, Pennsylvania, New Jersey, California

20/40/10: Maryland, Michigan, Hawaii, Connecticut, West Virginia, Alabama

20/40/15: Illinois, Iowa, Texas

20/40/5: Massachusetts

20/50/15: Idaho

25/50/10: Montana, Tennessee, Kansas, Wisconsin, Oregon, Missouri, Kentucky, Vermont, Washington, New York, New Mexico, Indiana

25/50/15: Arkansas, Colorado

25/50/20: Wyoming, Virginia

25/50/25: Nebraska, North Dakota, Rhode Island, New Hampshire, South Dakota, South Carolina, Mississippi

25/65/15: Utah

30/60/10: Minnesota

30/60/25: North Carolina

50/100/25: Alaska, Maine

Once you know the minimum that’s legally required in your state, you need to fill out a number of quote forms. Some of the quotes are likely to offer very cheap vehicle insurance.