Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Car insurance isn't one-size-fits-all: Your budget, risk profile and other factors determine what kind of policy you get and how much it'll cost. However, every state but one requires drivers to get a ...