Select your state for more info.
Alabama
Annual premium: $1,358
Most expensive city: Opp
Least expensive city: Birmingham
Did you know?
Alabama had the 8th highest rate increase nationally over the past 2 years.
Alaska
Annual premium: $1,152
Most expensive city: Anchorage
Least expensive city: Kake
Did you know?
Rates in Alaska are 11% down from 2011, but the state saw the 3rd biggest rate increase of any state over the past 2 years.
Arizona
Annual premium: $1,247
Most expensive city: Phoenix
Least expensive city: Lake Havasu City
Did you know?
Rates in Arizona have been somewhat volatile and inconsistent with national year-to-year trends, including a substantial rate increase in recent years.
Arkansas
Annual premium: $1,458
Most expensive city: Edmondson
Least expensive city: Lavaca
Did you know?
In Arkansas, rate changes from year to year have been fairly consistent with national averages.
California
Annual premium: $1,713
Most expensive city: Los Angeles
Least expensive city: Los Olivos
Did you know?
California has had some of the highest rate increases nationwide – both over last year and since 2011. The state doesn't factor certain things like credit and education in rates.
Colorado
Annual premium: $1,435
Most expensive city: Aurora
Least expensive city: Fort Collins
Did you know?
Car insurance rates in Colorado have been skyrocketing in recent years, with the 3rd biggest rate hike since 2011 nationwide – a whopping 52% increase.
Connecticut
Annual premium: $1,544
Most expensive city: New Haven
Least expensive city: Old Lyme
Did you know?
In contrast to national trends, Connecticut car insurance rates have actually decreased 13% since 2011.
Delaware
Annual premium: $1,700
Most expensive city: Wilmington
Least expensive city: Millville
Did you know?
Delaware rates are the 10th highest in the nation, though year-to-year changes have been volatile since 2011, including recent substantial decreases.
Florida
Annual premium: $1,878
Most expensive city: Miami
Least expensive city: Gainesville
Did you know?
Florida rates are the 5th highest in the nation, and year-to-year changes have included both big increases and decreases, likely in response to weather events.
Georgia
Annual premium: $1,388
Most expensive city: Redan
Least expensive city: Hahira
Did you know?
Georgia rate changes are among the most volatile from year to year of any state, with large increases one year followed by major decreases the next.
Hawaii
Annual premium: $1,079
Most expensive city: Hilo
Least expensive city: Kapaa
Did you know?
Hawaii rates are the 9th lowest in the nation, and the state has actually seen a net rate decrease since 2011.
Idaho
Annual premium: $1,018
Most expensive city: Kooskia
Least expensive city: Boise City
Did you know?
Idaho rates are the 5th lowest in the nation, though the state has had higher-than-normal rate increases in recent years.
Illinois
Annual premium: $1,120
Most expensive city: Chicago
Least expensive city: Normal
Did you know?
Illinois rates actually had a net rate decrease over the past year, but rates changes in the state have been volatile and extreme from year to year since 2011.
Indiana
Annual premium: $1,133
Most expensive city: Gary
Least expensive city: Lafayette
Did you know?
Indiana rates actually had a net rate decrease over the past year, but rates changes in the state have been volatile and extreme from year to year since 2011.
Iowa
Annual premium: $1,015
Most expensive city: Council Bluffs
Least expensive city: Ames
Did you know?
Iowa is the 4th least expensive state for car insurance, and rates actually decreased over the past 2 years.
Kansas
Annual premium: $1,427
Most expensive city: Kansas City
Least expensive city: Salina
Did you know?
Though Kansas rates have been somewhat volatile over the past several years, the state premium is the closest to the national average of all states.
Kentucky
Annual premium: $2,050
Most expensive city: Hoskinston
Least expensive city: Owensboro
Did you know?
Kentucky is the 3rd most expensive state for car insurance.
Louisiana
Annual premium: $2,225
Most expensive city: New Orleans
Least expensive city: Anacoco
Did you know?
Louisiana is the 2nd most expensive state for car insurance nationwide, and the state experienced the 5th biggest rate hike since 2011 nationwide – a 45% increase.
Maine
Annual premium: $927
Most expensive city: Isle of Springs
Least expensive city: Bridgewater
Did you know?
Maine is the 3rd least expensive state for car insurance.
Maryland
Annual premium: $1,240
Most expensive city: Baltimore
Least expensive city: Denton
Did you know?
Maryland car insurance rates actually have had a slight net decrease since 2011.
Massachusetts
Annual premium: $1,201
Most expensive city: Roxbury
Least expensive city: Gill
Did you know?
Massachusetts car insurance rates actually had a slight net decrease since 2011. The state doesn't factor certain things like credit and education in rates.
Michigan
Annual premium: $2,610
Most expensive city: Detroit
Least expensive city: Midland
Did you know?
Michigan is the most expensive state for car insurance and has had some of the most volatile year-to-year rate changes, with consecutive increases and decreases of more than of 20%.
Minnesota
Annual premium: $1,258
Most expensive city: Minneapolis
Least expensive city: Truman
Did you know?
Minnesota had among the lowest year-to-year rate changes of any state since 2011 – at most 2.6% from one year to the next.
Mississippi
Annual premium: $1,800
Most expensive city: Hermanville
Least expensive city: Mississippi State
Did you know?
Mississippi is the 8th most expensive state for car insurance, and had the 2nd biggest rate increase over 2011 nationwide – a whopping 60%.
Missouri
Annual premium: $1,334
Most expensive city: St. Louis
Least expensive city: Lohman
Did you know?
Missouri car insurance rates had the 9th biggest increase nationally over the past 2 years.
Montana
Annual premium: $1,615
Most expensive city: Wyola
Least expensive city: East Helena
Did you know?
Montana had the biggest car insurance rate increase over 2011 nationwide – a whopping 64%.
Nebraska
Annual premium: $1,184
Most expensive city: Omaha
Least expensive city: Columbus
Did you know?
Nebraska had one of the highest rate increases nationwide between 2011 and 2012, but rate changes year-to-year have more closely followed national trends since then.
Nevada
Annual premium: $1,802
Most expensive city: North Las Vegas
Least expensive city: Winnemucca
Did you know?
Nevada is the 7th most expensive state for car insurance.
New Hampshire
Annual premium: $1,083
Most expensive city: Newton
Least expensive city: Contoocook
Did you know?
New Hampshire (the only state where car insurance is not legally required) is the 10th least expensive state for car insurance.
New Jersey
Annual premium: $1,679
Most expensive city: Newark
Least expensive city: Manasquan
Did you know?
New Jersey was formerly among the top 10 most expensive states for car insurance, but rates changes have been relatively stable in recent years.
New Mexico
Annual premium: $1,331
Most expensive city: Fort Defiance
Least expensive city: Alamogordo
Did you know?
In contrast to national trends, New Mexico rates have actually seen a net decrease of 5% since 2011.
New York
Annual premium: $1,582
Most expensive city: New York
Least expensive city: Corning
Did you know?
Even though New York City is one of the costliest cities for car insurance nationwide, New York State rates have actually seen a net decrease of 10% since 2011.
North Carolina
Annual premium: $865
Most expensive city: Charlotte
Least expensive city: Chapel Hill
Did you know?
North Carolina is the least expensive state for car insurance, and rates actually decreased over the past 2 years.
North Dakota
Annual premium: $1,230
Most expensive city: Marshall
Least expensive city: West Fargo
Did you know?
In contrast to national trends, North Dakota rates have actually seen a net decrease since 2011.
Ohio
Annual premium: $1,037
Most expensive city: Youngstown
Least expensive city: St. Marys
Did you know?
Although Ohio is the 7th least expensive state for car insurance, it used to be THE least expensive. Ohio had one of the biggest rate increases nationwide over the past 2 years.
Oklahoma
Annual premium: $1,542
Most expensive city: Tulsa
Least expensive city: Indiahoma
Did you know?
Oklahoma car insurance rates are actually more than 20% lower than they were in 2011 – a stark contrast to the national 20% rate increase over the same time.
Oregon
Annual premium: $1,377
Most expensive city: Portland
Least expensive city: Corvallis
Did you know?
Oregon car insurance rates had the 9th biggest increase nationwide since 2011 – a 41% hike (or double the national increase).
Pennsylvania
Annual premium: $1,433
Most expensive city: Philadelphia
Least expensive city: Houserville
Did you know?
Pennsylvania had the 4th biggest rate increase nationally over the past 2 years, and the 10th biggest rate increase over 2011.
Rhode Island
Annual premium: $2,004
Most expensive city: Providence
Least expensive city: Melville
Did you know?
Rhode Island is the 4th most expensive state for car insurance, and rates are continuing to rise. The state had the 4th biggest rate hike from 2011 to now – a 47% increase.
South Carolina
Annual premium: $1,361
Most expensive city: Allendale
Least expensive city: Richland
Did you know?
South Carolina rates have had volatile year-to-year changes since 2011, including both large rate increases and decreases.
South Dakota
Annual premium: $1,268
Most expensive city: Lemmon
Least expensive city: Watertown
Did you know?
South Dakota car insurance rate changes have been fairly consistent with national trends from year to year.
Tennessee
Annual premium: $1,315
Most expensive city: Memphis
Least expensive city: Johnson City
Did you know?
Tennessee had the 10th biggest increase in car insurance rates nationally over the past 2 years.
TEXAS
Annual premium: $1,810
Most expensive city: Dallas
Least expensive city: Grape Creek
Did you know?
Texas is the 6th most expensive state for car insurance, and rates are continuing to rise. The state had the 6th biggest rate hike from 2011 to now – a 44% increase.
Utah
Annual premium: $1,112
Most expensive city: Salt Lake City
Least expensive city: Logan
Did you know?
In contrast to national trends, Utah rates have actually seen a net decrease over the past 2 years.
Vermont
Annual premium: $1,027
Most expensive city: Lower Waterford
Least expensive city: White River Junction
Did you know?
Although Vermont is the 6th least expensive state for car insurance, rates are rising. The state had the highest rate increase over the past 2 years.
Virginia
Annual premium: $901
Most expensive city: Richmond
Least expensive city: Harrisonburg
Did you know?
Although Virginia is the 2nd least expensive state for car insurance, rates are rising. The state had the 6th highest rate increase over the past 2 years.
Washington, DC
Annual premium: $1,464
Most expensive city: Washington (same)
Least expensive city: Washington (same)
Did you know?
The District of Columbia has higher car insurance rates than its surrounding states, likely due to the city's concentrated urban environment.
Washington
Annual premium: $1,160
Most expensive city: Midland
Least expensive city: Port Townsend
Did you know?
Washington has had among the most stable year-to-year rate changes nationwide since 2011.
West Virginia
Annual premium: $1,378
Most expensive city: Gilbert
Least expensive city: Martinsburg
Did you know?
In contrast to national trends, West Virginia rates have actually seen a net decrease since 2011.
Wisconsin
Annual premium: $1,040
Most expensive city: Milwaukee
Least expensive city: Kaukauna
Did you know?
Wisconsin is the 8th least expensive state for car insurance.
Wyoming
Annual premium: $1,338
Most expensive city: Weston
Least expensive city: Sinclair
Did you know?
Wyoming rates have had the 8th biggest increase nationwide from 2011 to now – 41% (or double the national increase).
