Personal-finance website WalletHub’s 2019 report on the states with the cheapest and most expensive car insurance indicates that 75% of drivers want the best car insurance, not the cheapest coverage. Other key findings included:

• 14% of people say they would not buy car insurance if not legally required (millennials are 2X more likely than boomers to agree)
• 71% of people say it’s unfair for gender to be a factor in car insurance pricing, and 65% feel the same way about credit scores affecting car insurance costs.
• 54 million Americans say they don’t understand their car insurance

Despite the fact that most people want the best, not cheapest, car insurance, 64 million people prefer the cheapest car insurance, according to the survey.

Roughly 54 million people (22 percent of U.S. adults) say they do not understand their car insurance, and part of the reason is the confusing hodgepodge of insurance companies and regulations.

This, along with a general lack of subject-matter understanding among consumers, may also help explain why 63 million people, or 25 percent of U.S. adults, have never switched car insurance policies. Picking a policy the first time may have been hard enough, and no one wants to trade down by mistake.

To read the full WalletHub report, click here.