Car Insurance Rates by State

Compare auto insurance rates by state and see how your premiums stack up.

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How where you live impacts auto insurance rates

 

One of the primary factors used in car insurance pricing is location. Average car insurance rates by state may vary based on regulations and insurance companies’ efforts to set prices based on these differences.

For instance, drivers in no-fault states such as Michigan and Florida often pay more for insurance than do drivers in other areas of the country.

 

Table of contents:
  1. Car insurance rates by state
  2. What are the cheapest states for car insurance?
  3. What are the most expensive states for car insurance?
  4. How to handle insurance when moving to a new state

 

Average 2020 car insurance rates by state

See below an alphabetical list of U.S. states with corresponding average monthly car insurance costs. Learn more about our rate-gathering methodology.

 

StateAverage monthly auto insurance premium
Alaska$106
Alabama$121
Arkansas$141
Arizona$122
California$156
Colorado$146
Connecticut$141
Washington DC$116
Delaware$150
Florida$192
Georgia$134
Hawaii$87
Iowa$89
Idaho$97
Illinois$109
Indiana$97
Kansas$135
Kentucky$184
Louisiana$198
Massachusetts$122
Maryland$118
Maine$78
Michigan$258
Minnesota$110
Missouri$145
Mississippi$132
Montana$128
North Carolina$80
North Dakota$115
Nebraska$114
New Hampshire$86
New Jersey$133
New Mexico$111
Nevada$164
New York$142
Ohio$87
Oklahoma$149
Oregon$122
Pennsylvania$123
Rhode Island$175
South Carolina$118
South Dakota$142
Tennessee$131
Texas$118
Utah$109
Virginia$84
Vermont$96
Washington$114
Wisconsin$98
West Virginia$128
Wyoming$120

 

Which U.S. states have the cheapest car insurance?

The states with the most affordable car insurance rates are Maine, North Carolina and Virginia. Each of these eastern states boasts average auto insurance rates at least 53% lower than the national average of $129 per month. The state that enjoyed the largest decrease in average insurance rates over the past year was Texas, at 23%.

10 CHEAPEST STATES FOR AUTO INSURANCE

State

2020 Average Monthly Rate

Change vs. 2019 Rate

Maine

$78

+4.3%

North Carolina

$80

+0.8%

Virginia

$84

+9.5%

New Hampshire

$86

-6.1%

Hawaii

$87

-3.3%

Ohio

$87

+1.4%

Iowa

$89

+11.9%

Vermont

$96

+7.5%

Idaho

$97

+14.3%

Indiana

$97

+1.2%

National average

$129

+5.3%

 

In general, less-densely populated states — and those with drivers qualifying as low-risk — enjoy the cheapest car insurance rates. Many of America’s most affordable car insurance states are lower-density locales such as Idaho, Utah, Maine, Vermont and Iowa. The cheapest region in the U.S. for car insurance is New England ($109 per month), followed closely by the Great Plains ($121). 

 

What are the most expensive states for car insurance?

The states with the highest auto insurance rates are Michigan, Louisiana, and Florida. Two of these states — Michigan and Florida — are no-fault car insurance states, meaning every driver involved in an incident pays for their own injuries and damages.

In states with no-fault laws, car insurance companies raise rates to account for the added financial risk they bear. Louisiana’s rates are atypically expensive due to the state's high number of uninsured drivers and its elevated risk of flood and hurricane damages.

 

10 MOST EXPENSIVE STATES FOR AUTO INSURANCE

State

2020 Average Monthly Rate

Change vs. 2019 Rate

National average

$129

+5.3%

Colorado

$146

+4.4%

Oklahoma

$149

+14.5%

Delaware

$150

-1.3%

California

$156

+2.9%

Nevada

$164

+3.0%

Rhode Island

$175

-0.3%

Kentucky

$184

+16.3%

Florida

$192

+12.1%

Louisiana

$198

+1.7%

Michigan

$258

+14.9%

 

Delaware and Rhode Island drivers were among the lucky few Americans to receive a small price break on insurance over the past year, while others faced increases of as much as 16%. Colorado and Oklahoma made their first appearances among the most expensive states, supplanting Texas and New York. 

The priciest region in the U.S. for auto insurance was the Far West, with California and Nevada among the most expensive states.

Many factors lead to a state’s average insurance rates being expensive.

Key factors include:

  • No-fault insurance laws
  • Large numbers of uninsured drivers
  • High numbers of claims (via the number of vehicles on the road or natural disasters)

Car insurance rates are set based on a variety of rating factors, including age, gender, profession, driving record, credit score, coverage level and specific location.

 

How to handle car insurance when moving to a new state

If you’re moving from one state to another, car insurance might be low on your list of logistical issues. However, if you want to carry continuous coverage — and stay insured against the threat of costly damages — you need to modify your auto insurance when moving, whether in- or out-of-state.

 

A guide to car insurance and moving between states

You'll need to update your car insurance policy when moving for two reasons: state regulations and location-specific pricing.

 

State insurance laws

If you’re moving from one state to another, you must update your car insurance policy. Because car insurance is regulated at the state level, your policy needs to be written to accommodate the laws in your new home state.

If you were to move from California to Texas, your insurance coverage requirements would change. California has minimum coverage levels of $15,000 per person (bodily injury coverage), $30,000 per accident (bodily injury coverage), and $5,000 per property damage accident. Texas’ minimum coverage levels are much higher: $30,000 per person and $60,000 per accident for bodily injury coverage, and $25,000 for total property damage.

 

StateAverage Monthly Premium w/ State Minimum Coverage
California$49
Texas$62

 

Due largely to the difference in coverage requirements, the difference between average auto insurance premiums in California and Texas is approximately $13 per month (more than $150 per year).

Additionally, your premiums and insurance policies may change if you move to or from a no-fault state. No-fault insurance requires that all drivers pay for their own medical bills associated with any claim. While damages to your vehicle or property are covered by the at-fault party, any bodily injury losses would not. In theory, this eases the burden on small claims courts and the healthcare system.

If you move to a no-fault state, you’ll be required to add personal injury protection. Personal injury protection (PIP) provides coverage for medical expenses and work loss protection for you and your passengers— regardless of fault. The amount of PIP coverage required varies by state.

The following states are no-fault: Florida, Hawaii, Kansas, *Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, *New York, North Dakota, *Pennsylvania and *Utah.

*In Kentucky, New York, Utah, and Pennsylvania, you may elect to participate in no-fault coverage.

 

Location-specific car insurance pricing

The pricing system of car insurance makes it imperative to update your policy when moving — whether you're planning an inter- or intrastate move. Your auto insurance premium is made up of myriad factors, including your location — down to your ZIP code. Location is a primary rating factor, meaning it goes a long way toward determining your rate.

Living near a coastline or beach can raise your rates, as your vehicle could be more susceptible to flooding or hurricane damage. This is also true for areas with higher population densities, as you could be more likely to get into an accident in these areas.

 


 

How to change car insurance when moving out of state

This process may change depending on the state to which you're moving. If you move to a state in which your current insurance company writes policies, the simplest option is to call a representative at your car insurance company and have a new policy written for your new state.

However, this isn’t always the cheapest solution. Even if you maintain a policy with the same company, your rates are likely to change, for better or worse. Your best option is to shop around and get car insurance quotes prior to your move, finding the company with the cheapest insurance rates in your new residence.

Even if looking for a new car insurance policy isn’t very high on your moving to-do list, it’s still hugely important. If you’re looking to save time and energy in this process, have the following ready before you start shopping.

  • Personal information of all drivers: including driver's licenses, date of birth, and residence — if different from yours.
  • Your address in your new state
  • Driving history of all drivers on the policy
  • Desired insurance coverage
  • Insurance history
  • Average annual mileage
  • Vehicle information: this includes the vehicle identification number, date of purchase, and if the vehicle is leased or owned

This won’t be all the information you need to get a quote, but it will help give you the most accurate rates as quickly as possible.

If you’re moving within your state, you will still need to update your car insurance. Car insurance is priced by ZIP code, so even moving to a new neighborhood can impact rates. Be sure to call your insurer to inform the company of your new address.

 


 

How to update your registration when moving states

Vehicle registration is handled through each state's department of motor vehicles (DMV). In many cases, you can submit your driver’s license, proof of insurance, and vehicle title information to the DMV online. From there, your state-specific plates and registration documents will be mailed to you.

Changing your registration could be a more involved process, depending on your state's rules. Check your new state’s DMV page for details and required documentation.

 


 

Additional resources and methodology

The big takeaway for car insurance when moving from one state to another is to shop around and compare rates. Because your rates will be impacted by different rating factors in your new state (such as coverage and claims history), you will have a different premium and an entirely new policy. Use this opportunity to compare car insurance premiums from as many insurers as possible. 

 

State comparisons for auto insurance rates

AZ vs. FLFL vs. CAIL vs. TXNJ vs. CAOR vs. WA
AZ vs. TXFL vs. COIL vs. WINJ vs. FLPA vs. CA
CA vs. AZFL vs. GAKY vs. CANJ vs. NCPA vs. FL
CA vs. IDFL vs. NCMA vs. CANJ vs. PATX vs. AK
CA vs. NVFL vs. TXMA vs. FLNY vs. CATX vs. CO
CA vs. ORGA vs. CAMI vs. AZNY vs. COTX vs. NJ
CA vs. TXGA vs. TXMI vs. CANY vs. FLTX vs. OR
CO vs. CAIL vs. AZMI vs. CONY vs. NJTX vs. WA
CT vs. CAIL vs. FLMI vs. FLNY vs. TXVA vs. CA
CT vs. FLIL vs. INMI vs. TXOR vs. AZVA vs. FL

 

Map of Alabama Car Insurance
Map of Alaska Car Insurance
Map of Arizona Car Insurance
Map of Arkansas Car Insurance
Map of California Car Insurance
Map of Colorado Car Insurance
Map of Connecticut Car Insurance
Map of Delaware Car Insurance
Map of Florida Car Insurance
Map of Georgia Car Insurance
Map of Hawaii Car Insurance
Map of Idaho Car Insurance
Map of Illinois Car Insurance
Map of Indiana Car Insurance
Map of Iowa Car Insurance
Map of Kansas Car Insurance
Map of Kentucky Car Insurance
Map of Louisiana Car Insurance
Map of Maine Car Insurance

Maine

the Pine Tree State

Map of Maryland Car Insurance
Map of Massachusetts Car Insurance
Map of Michigan Car Insurance
Map of Minnesota Car Insurance
Map of Mississippi Car Insurance
Map of Missouri Car Insurance
Map of Montana Car Insurance
Map of Nebraska Car Insurance
Map of Nevada Car Insurance
Map of New Hampshire Car Insurance
Map of New Jersey Car Insurance
Map of New Mexico Car Insurance
Map of New York Car Insurance
Map of North Carolina Car Insurance
Map of North Dakota Car Insurance
Map of Ohio Car Insurance
Map of Oklahoma Car Insurance
Map of Oregon Car Insurance
Map of Pennsylvania Car Insurance
Map of Rhode Island Car Insurance
Map of South Carolina Car Insurance
Map of South Dakota Car Insurance
Map of Tennessee Car Insurance
Map of Texas Car Insurance
Map of Utah Car Insurance
Map of Vermont Car Insurance

Vermont

the Green Mountain State

Top Cities
Burlington
Essex
South Burlington
Map of Virginia Car Insurance
Map of Washington Car Insurance
Map of West Virginia Car Insurance

West Virginia

the Mountain State

Map of Wisconsin Car Insurance
Map of Wyoming Car Insurance

Wyoming

the Equality or Cowboy State

Map of Washington D.C. Car Insurance

Washington, D.C.

The Nation's Capital