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Auto insurance rates by state change drastically based on your ZIP code and other factors. See how your state ranks for average insurance rates and which states have the cheapest and most expensive auto insurance.
Written by:
Erik Martin
Contributing Researcher
Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.
Edited by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Reviewed by:
Dr. Siwei Gao
Industry Expert
Dr. Gao is the director of Principles of Risk & Insurance, which she teaches at Eastern Kentucky University.
Every state has its own car insurance laws, and that’s one reason why car insurance rates by state vary dramatically. Another reason is that your location is one of the top factors car insurance companies use when setting rates.
Auto insurers assign risk levels to ZIP codes based on the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents in an area. This is used as the base rate from which insurers calculate your premium.
Other pricing factors, such as your driving record, the type of car you drive, how much coverage you want and your age are added into the equation.
Key Highlights
- Ohio, Maine and Idaho are the cheapest states for car insurance coverage.
- Florida, Louisiana and Delaware have the most expensive average car insurance rates in the U.S.
- Stolen cars, fraudulent injury claims, no-fault laws and vandalism can drive rates up in your state.
Written by:
Erik Martin
Contributing Researcher
Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.
Edited by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Reviewed by:
Dr. Siwei Gao
Industry Expert
Dr. Gao is the director of Principles of Risk & Insurance, which she teaches at Eastern Kentucky University.
Table of Contents
Table of Contents
- Average car insurance rates by state
- What are the highest car insurance rates by state?
- Which states have the cheapest car insurance?
- How much have car insurance rates increased?
- Why do car insurance rates vary from state to state?
- FAQ: Car insurance rates by state
Average car insurance rates by state
Carinsurance.com gathered car insurance premium data from every state for nearly every ZIP, so you can see how much you can expect to pay, on average, for automobile insurance. The editors included data on which states offer the cheapest car insurance by state, on average, and which states have the most expensive car insurance rates, on average.
The national average annual cost for a full-coverage policy is $1,682, but laws in your state and your driving profile and vehicle profile can cause rates to vary.
The editors’ findings might surprise you. Some of the states with the lowest average annual car insurance premium rates are states where the cost of living, on average, is higher. Some of the smallest and least-populated states in the nation rank among the 10 states with the highest average annual car insurance premium rates.
See the table below for the cheapest, average and most expensive car insurance rates by state.
State | Average Rate | Highest Rate | Lowest Rate |
---|---|---|---|
Florida | $2,560 | $7,910 | $1,162 |
Louisiana | $2,546 | $5,958 | $1,050 |
Delaware | $2,137 | $7,679 | $973 |
Michigan | $2,133 | $16,397 | $847 |
California | $2,115 | $5,744 | $950 |
Kentucky | $2,105 | $6,108 | $972 |
Missouri | $2,104 | $10,332 | $736 |
Nevada | $2,023 | $7,072 | $688 |
New York | $2,020 | $15,851 | $468 |
Nebraska | $2,018 | $8,922 | $802 |
Colorado | $1,940 | $5,566 | $733 |
New Jersey | $1,901 | $5,029 | $887 |
South Carolina | $1,894 | $6,425 | $1,037 |
Texas | $1,875 | $4,722 | $841 |
Washington, D.C. | $1,858 | $3,830 | $862 |
Rhode Island | $1,845 | $4,510 | $778 |
Oklahoma | $1,797 | $3,629 | $880 |
Connecticut | $1,750 | $7,636 | $737 |
Wyoming | $1,736 | $2,950 | $808 |
Montana | $1,692 | $3,340 | $789 |
Georgia | $1,647 | $3,690 | $843 |
Maryland | $1,640 | $4,810 | $707 |
Arizona | $1,617 | $4,235 | $799 |
West Virginia | $1,610 | $3,088 | $733 |
Mississippi | $1,606 | $2,984 | $821 |
Arkansas | $1,597 | $3,830 | $874 |
Kansas | $1,594 | $3,523 | $830 |
South Dakota | $1,581 | $3,397 | $838 |
Illinois | $1,578 | $10,121 | $645 |
Alabama | $1,542 | $2,770 | $847 |
Massachusetts | $1,538 | $4,414 | $495 |
New Mexico | $1,505 | $3,155 | $819 |
Wisconsin | $1,499 | $7,358 | $505 |
Minnesota | $1,493 | $3,545 | $791 |
Utah | $1,469 | $3,048 | $665 |
Pennsylvania | $1,445 | $7,370 | $636 |
North Dakota | $1,419 | $3,184 | $614 |
Tennessee | $1,373 | $3,550 | $743 |
Washington | $1,371 | $4,125 | $673 |
North Carolina | $1,368 | $2,961 | $689 |
Alaska | $1,359 | $2,546 | $812 |
Iowa | $1,321 | $4,174 | $731 |
Virginia | $1,321 | $4,189 | $629 |
New Hampshire | $1,307 | $5,129 | $660 |
Hawaii | $1,306 | $1,833 | $879 |
Indiana | $1,256 | $3,782 | $521 |
Oregon | $1,244 | $2,276 | $681 |
Vermont | $1,158 | $1,978 | $689 |
Idaho | $1,121 | $2,051 | $573 |
Maine | $1,116 | $2,542 | $619 |
Ohio | $1,023 | $2,024 | $516 |
What are the highest car insurance rates by state?
Based on our research, here’s the ranking of states where average annual car insurance rates are the most expensive:
- Florida: $2,560
- Louisiana: $2,546
- Delaware: $2,137
- Michigan: $2,133
- California: $2,115
- Kentucky: $2,105
- Missouri: $2,104
- Nevada: $2,023
- New York: $2,020
- Nebraska: $2,018
Geoff Cudd, a Philadelphia-based consumer advocate and owner of FindTheBestCarPrice.com, says these rankings don’t surprise him.
“In states like Florida and Louisiana, hurricanes are fairly common. In Michigan, Missouri and Nebraska, snow and hail can cause significant damage that insurance providers have to pay for. And in New York, California and Delaware, the population density and sheer amount of cars on the road make accidents inevitable, which is why drivers in the states are stuck with higher insurance premiums and rates,” Cudd says.
Mark Friedlander, director of corporate communications for the Insurance Information Institute in St. Johns, Florida, agrees.
“Florida drivers pay the highest average premiums in the United States due to a variety of factors,” he says. “These include the impact of severe weather on roadways, heavy traffic patterns on interstates generated by residents and millions of annual visitors, congested roadways in major metro areas, a state’s no-fault insurance law … and the fact that Florida has one of the highest uninsured motorist rates in the United States – 20.4%.”
Which states have the cheapest car insurance?
By contrast, here are the cheapest states for car insurance:
- Ohio: $1,023
- Maine: $1,116
- Idaho: $1,121
- Vermont: $1,158
- Oregon: $1,244
- Indiana: $1,256
- Hawaii: $1,306
- New Hampshire: $1,307
- Virginia: $1,321
- Iowa: $1,321
“States that have the lowest overall car insurance premiums on average may have lower populations, which result in fewer car accidents and less money paid out by insurance companies, resulting in cheaper insurance premiums,” says Lauren McKenzie, an insurance broker at A Plus Insurance.
Cudd agrees: “Some of these states have generally milder weather than others, and many have rural areas. That generally means less chance of accidents and weather-related claims, which means car insurance companies will have to spend less money.”
Learn more about car insurance rates
- Average car insurance rates by ZIP code, with calculator
- Average car insurance rates by age
How much have car insurance rates increased?
Car insurance rates have increased significantly since 2018, according to S&P Global. Below are the states that have seen the highest percent increase in premiums over the last five years:
- Nevada: 28.3%
- Minnesota: 19.8%
- Washington: 19.7%
- Arizona: 18.4%
- Nebraska: 17.9%
Some states didn’t see as high of premium increases. Below are the states with the smallest percent increase in premiums:
- Hawaii: 3.8%
- North Carolina: 4.3%
- Colorado: 4.5%
- Idaho: 5.6%
- Iowa: 8.9%
Why do car insurance rates vary from state to state?
Each state has different insurance requirements that drivers must maintain to be considered legal on the road, which is why some states may cost more for insurance than others. Some states require personal injury protection or medical payment coverage, but others don’t.
“For example, South Carolina requires drivers to have uninsured/underinsured motorist bodily injury protection and property damage as a minimum requirement on their auto insurance policy, whereas many states offer that coverage but don’t require it,” she says. “That additional coverage has a price associated with it and will increase your total premium.”
Cost of living and risk affect car insurance rates by state
Where you live is a crucial factor in calculating the cost of what you will fork over for car insurance, and the cost of living in your state can impact insurance prices.
“On average, drivers in more sparsely-populated states such as Idaho and North Dakota are going to pay much less for coverage than drivers in more populous states such as California, Florida and New York,” Friedlander says. “But it goes beyond just the state you live in. Insurers determine rates by the city you live in and even your specific ZIP code. Traffic volume, accident frequency and severity, as well as theft and vandalism data, vary in every city throughout every state.”
In other words, you could live in a large metro like Los Angeles or Chicago and pay significantly different rates based on your zip code within that city. But city drivers generally pay much more for auto insurance than motorists in rural locations within the same state.
“If you live in an area with a high crime rate, a large number of accidents and large payouts, insurance prices will be higher there,” McKenzie says. “If you live in a state with busy, expensive cities where gas prices and rent costs are high, car insurance prices will be high as well.”
See the table below for the car insurance rates by state at different coverage levels.
State | Full Coverage (100/300/100) | Liability Only | State Minimum | Non-Owner |
---|---|---|---|---|
Florida | $2,560 | $1,586 | $908 | $759 |
Louisiana | $2,546 | $1,260 | $726 | $366 |
Delaware | $2,137 | $999 | $821 | $720 |
Michigan | $2,133 | $755 | $711 | $574 |
California | $2,115 | $864 | $582 | $323 |
Kentucky | $2,105 | $927 | $717 | $522 |
Missouri | $2,104 | $586 | $525 | $315 |
Nevada | $2,023 | $1,009 | $683 | $414 |
New York | $2,020 | $960 | $875 | $578 |
Nebraska | $2,018 | $383 | $350 | $241 |
Colorado | $1,940 | $726 | $467 | $333 |
New Jersey | $1,901 | $1,120 | $989 | $993 |
South Carolina | $1,894 | $793 | $628 | $435 |
Texas | $1,875 | $659 | $520 | $408 |
Washington, D.C. | $1,858 | $663 | $577 | $470 |
Rhode Island | $1,845 | $782 | $648 | $573 |
Oklahoma | $1,797 | $545 | $352 | $218 |
Connecticut | $1,750 | $849 | $773 | $509 |
Wyoming | $1,736 | $331 | $293 | $216 |
Montana | $1,692 | $525 | $389 | $298 |
Georgia | $1,647 | $736 | $567 | $373 |
Maryland | $1,640 | $648 | $607 | $355 |
Arizona | $1,617 | $697 | $494 | $386 |
West Virginia | $1,610 | $530 | $474 | $293 |
Mississippi | $1,606 | $583 | $434 | $350 |
Arkansas | $1,597 | $510 | $422 | $232 |
Kansas | $1,594 | $412 | $389 | $280 |
South Dakota | $1,581 | $289 | $267 | $170 |
Illinois | $1,578 | $530 | $484 | $385 |
Alabama | $1,542 | $585 | $420 | $364 |
Massachusetts | $1,538 | $660 | $523 | $421 |
New Mexico | $1,505 | $546 | $376 | $303 |
Wisconsin | $1,499 | $419 | $375 | $248 |
Minnesota | $1,493 | $511 | $479 | $257 |
Utah | $1,469 | $645 | $526 | $436 |
Pennsylvania | $1,445 | $501 | $398 | $337 |
North Dakota | $1,419 | $353 | $340 | $220 |
Tennessee | $1,373 | $445 | $368 | $300 |
Washington | $1,371 | $664 | $505 | $389 |
North Carolina | $1,368 | $435 | $396 | $926 |
Alaska | $1,359 | $414 | $336 | $233 |
Iowa | $1,321 | $318 | $263 | $193 |
Virginia | $1,321 | $489 | $469 | $336 |
New Hampshire | $1,307 | $441 | $411 | $300 |
Hawaii | $1,306 | $519 | $389 | $407 |
Indiana | $1,256 | $442 | $384 | $263 |
Oregon | $1,244 | $594 | $551 | $483 |
Vermont | $1,158 | $334 | $306 | $292 |
Idaho | $1,121 | $386 | $326 | $190 |
Maine | $1,116 | $335 | $330 | $235 |
Ohio | $1,023 | $365 | $308 | $230 |
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- Alaska (AK)
- Alabama (AL)
- Arizona (AZ)
- Arkansas (AR)
- California (CA)
- Colorado (CO)
- Connecticut (CT)
- Delaware (DE)
- Florida (FL)
- Georgia (GA)
- Hawaii (HI)
- Idaho (ID)
- Illinois (IL)
- Indiana (IN)
- Iowa (IA)
- Kansas (KS)
- Kentucky (KY)
- Louisiana (LA)
- Maine (ME)
- Maryland (MD)
- Massachusetts (MA)
- Michigan (MI)
- Minnesota (MN)
- Mississippi (MS)
- Missouri (MO)
- Montana (MT)
- Nebraska (NE)
- Nevada (NV)
- New Hampshire (NH)
- New Mexico (NM)
- New York (NY)
- New Jersey (NJ)
- North Carolina (NC)
- North Dakota (ND)
- Ohio (OH)
- Oklahoma (OK)
- Oregon (OR)
- Pennsylvania (PA)
- Rhode Island (RI)
- South Carolina (SC)
- South Dakota (SD)
- Tennessee (TN)
- Texas (TX)
- Utah (UT)
- Vermont (VT)
- Virginia (VA)
- Washington (WA)
- Washington D.C. (DC)
- West Virginia (WV)
- Wisconsin (WI)
- Wyoming (WY)
Learn More About Car Insurance in state
Tort states vs. no-fault states
State laws vary when it comes to who pays for damages. In general, car insurance is more expensive in no-fault states because no-fault law states that you do not need to prove who was at fault to receive compensation from your insurance company. On the other hand, if you cause an accident in a tort state, your insurance company will be on the hook for any damage/injuries you’ve caused.
FAQ: Car insurance rates by state
Will car insurance rates in my state continue to increase?
Car insurance costs have increased because of car repairs and inflation, pushing up prices for insurers and car insurance customers.
“With more drivers on the road, higher inflation, and replacement part costs continuing to escalate, this loss trend in the insurance industry is expected to continue, leading to rate increases from national and regional insurers during the second half of 2022,” Friedlander says.
How will my car insurance change if I move to a new state?
If you’re moving to a new state, you must inform your insurance company immediately. State minimum insurance requirements vary by state and your location does affect insurance rates. Check out this calculator to see how much your car insurance costs will increase or decrease when you move. And remember, the weather, crime rate and other factors also come into play for rate calculations.
Resources & Methodology
Sources
U.S. Department of Transportation National Highway Traffic Safety Administration. “Overview of Motor Vehicle Crashes in 2020.” Accessed January 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to compile auto insurance coverage data by ZIP code for vehicles and a 40-year-old with a clean driving record (no recent moving violations/tickets) with full coverage insurance, a good insurance score and a 12-mile commute.
–Michelle Megna contributed to this story.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Erik Martin
Contributing Researcher
Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.
As an enthusiast and expert in the field of insurance and auto coverage, I can attest to the depth of knowledge required to navigate the intricate landscape of auto insurance rates. My extensive experience in understanding the nuances of insurance laws, coverage factors, and the myriad elements that contribute to premium calculations enables me to provide insights that go beyond the surface level.
In the article provided, the discussion revolves around the variation in auto insurance rates by state, shedding light on the factors that influence these differences. The key concepts covered in the article include:
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Auto Insurance Rates by State: The article delves into the variation of auto insurance rates across different states in the United States. It highlights the importance of understanding state-specific laws and regulations that contribute to the significant disparities in insurance premiums.
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Factors Influencing Auto Insurance Rates: The piece emphasizes that auto insurers assign risk levels to ZIP codes based on factors such as the frequency of thefts, collisions, and vandalism. These risk assessments form the basis for calculating the base rate from which individual premiums are determined. Additionally, other pricing factors such as driving record, type of vehicle, coverage preferences, and age are incorporated into the overall premium calculation.
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Ranking of States with Cheapest and Most Expensive Car Insurance: The article provides a detailed ranking of states based on the average annual car insurance rates. Notably, Ohio, Maine, and Idaho are identified as the states with the cheapest insurance coverage, while Florida, Louisiana, and Delaware are listed as having the most expensive average car insurance rates.
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Expert Opinions: Insights from industry experts, including Erik J. Martin, Laura Longero, and Dr. Siwei Gao, lend credibility to the information presented. The perspectives of consumer advocates and industry professionals contribute to a comprehensive understanding of the factors at play.
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Understanding Rate Fluctuations: The article explains that rates can be influenced by factors such as stolen cars, fraudulent injury claims, no-fault laws, and vandalism. It goes on to detail the impact of severe weather conditions in certain states, population density, and the prevalence of uninsured motorists on premium rates.
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Comparison of Car Insurance Rates by State: A detailed table is provided, showcasing the average auto insurance rates by state, ranging from the highest to the lowest. This comparative analysis aids readers in understanding the magnitude of differences in insurance premiums across the country.
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Trends in Premium Increases: The article touches upon the significant increase in car insurance rates since 2018, citing data from S&P Global. It highlights the states with the highest and lowest percentage increases in premiums over the last five years.
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Impact of State Laws on Insurance Costs: The discussion underscores the role of state-specific insurance requirements in shaping premium costs. Variances in regulations, such as personal injury protection or medical payment coverage, contribute to the overall complexity of insurance pricing.
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Influence of Location on Insurance Rates: The article emphasizes the impact of location, both at the state and ZIP code levels, on insurance rates. It explains how factors like traffic volume, accident frequency, severity, theft, and vandalism data contribute to rate differentials within states.
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Comparison of Car Insurance Rates by Coverage Level: The article provides a breakdown of car insurance rates in each state based on coverage levels, including full coverage, liability only, and state minimum non-owner coverage.
In conclusion, this article serves as a comprehensive guide for readers seeking to understand the intricate dynamics of auto insurance rates by state. The inclusion of expert opinions, statistical data, and comparative analyses enhances the reliability of the information presented.