Car Insurance Rates by State
- Drivers in VT, NH and ID see the cheapest auto insurance rates.
- Insurance premiums are based heavily on location, so where you live makes a big difference.
Paying too much? Compare quotes with The Zebra and find rates from over 100 companies.
Cheapest car insurance rates by state
Highest rates by state
- Florida: $1,1819
- Lousiana:Â $1,1635
- Missouri:Â $1,521
Lowest rates by state
- Vermont:Â $654
- New Hampshire: $715
- Idaho: $729
Average car insurance rates by state
Because auto insurance is regulated at the state level, each state sets its own minimum coverage requirements. These are often called "liability only" policies and offer the bare minimum protection required by law. At The Zebra, we recommend going beyond the basics with full coverage—it provides more comprehensive protection if you’re ever in an accident.
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Fetching your estimate
Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.
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Car insurance rate trends in 2025
Over the past few years, the national average cost of car insurance has climbed significantly, with many states seeing double-digit increases year over year. This reflects broader industry trends like rising vehicle repair costs, parts shortages, and overall inflation.
Here are some of our key takeaways:
📊 High-cost states stayed consistently expensive, while traditionally low-cost states held their ground: States like Florida, Louisiana, and New York remained the most expensive throughout the period, while Vermont, Maine and Idaho stayed low.
📊 Maryland saw a 20% decrease in rates between 2022 and 2025, while Michigan saw a 29% rate hike in the same period.
📊 2023 was the peak year for rate spikes while they slowed slightly between 2024 and 2025.
Source: The Zebra
State minimum car insurance requirements
Because insurance laws vary by state, each one sets its own minimum coverage requirements. These are the basic protections you’re legally required to carry.
You’ll typically see these limits written like this: 20/50/25. Here’s what those numbers mean:
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$20,000 for bodily injury (BI) coverage per person
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$50,000 for bodily injury coverage per accident (if more than one person is injured)
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$25,000 for property damage (PD) liability per accident
While these limits meet legal requirements, they may fall short in a serious accident—medical bills and repairs can add up fast. That’s why we recommend raising your limits if you can, or opting for full coverage for maximum protection. For now, check out the table below to see the minimum coverage required in your state.
See how much you could save in minutes. Compare top car insurance quotes side by side.
No-fault state insurance requirements
In addition to the BI/PD limits listed above, the several states that have adopted "no-fault" laws also require personal injury protection (PIP).
No-fault states do not take fault into consideration in claims filing; no matter which party causes the collision, drivers will file a claim with their own insurance companies. There are 12 no-fault states, all of which require PIP coverage.Â
*No-fault is optional in KY, PA and NJ — a driver may choose no-fault or liability coverage.
| State | Unique coverage details |
|---|---|
| KS | Extra PIP benefits: up to $900/month for lost income, $25/day for in-home help, 54,500 for rehab, $2,000 for funeral/cremation costs |
| ME, NH, PA | Offer medical payments coverage (similar to PIP) |
| MI | Requires property protection insurance (PPI) - covers up to $1M in property damage |
| NH | Insurance is not required, but if purchased, must meet state minimums |
| NY | Adds $50K per person and $100K per accident in death benefits |
| CT, KS, MN, NH, DC, ND, SD | Require underinsured motorist coverage in addition to uninsured motorist protection |
Car insurance when moving to a new state
Scenario: You move from California to Texas
Minimum coverage goes up: California requires 15/30/5 while Texas requires 30/60/25
This jump in required coverage helps explain the small increase in average premiums—about $5 more per month in Texas.
Moving to or from a no-fault state?
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In a no-fault state, drivers must carry Personal Injury Protection (PIP), which pays for medical bills and lost wages, no matter who caused the accident.
-
PIP requirements vary, and you’ll need to add this coverage if it’s mandated in your new state.
"Anytime any regulations are updated, there's a company-wide notification that is sent out to all customers, especially if it's going to impact their rate. They typically will be notified of the new regulations and how it's impacting them personally, and any rate changes are reflected at renewal."
Riliey Culip, Licensed insurance manager at The Zebra
How to Update Your Driver's License When Moving States
Updating your driver's license should be a top priority after moving to a new state.
Why does location matter in car insurance?Â
Get car insurance quotes in under 5 minutes.
Sources
- Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Related Content
- Texas vs. Colorado State Comparison
- California vs. Nevada State Comparison
- Texas vs. Washington State Comparison
- Connecticut vs. California State Comparison
- Illinois vs. Indiana State Comparison
- California vs. Idaho State Comparison
- New York vs. Florida State Comparison
- Georgia vs. Texas State Comparison
- Massachusetts vs. California State Comparison
- Colorado vs. California State Comparison
Explore more information on car insurance in your state!
Alabama
$654 for a 6-month policy
California
$1,110 for a 6-month policy
Colorado
$1,336 for a 6-month policy
Connecticut
$1,198 for a 6-month policy
Florida
$1,819 for a 6-month policy
Georgia
$1,278 for a 6-month policy
Illinois
$983 for a 6-month policy
Indiana
$840 for a 6-month policy
Kansas
$1,157 for a 6-month policy
Louisiana
$1,635 for a 6-month policy
Massachusetts
$799 for a 6-month policy
Michigan
$1,292 for a 6-month policy
Minnesota
$1,011 for a 6-month policy
Missouri
$1,521 for a 6-month policy
Nevada
$1,384 for a 6-month policy
New Jersey
$1,135 for a 6-month policy
New York
$1,231 for a 6-month policy
North Carolina
$766 for a 6-month policy
Oklahoma
$1,213 for a 6-month policy
Pennsylvania
$1,128 for a 6-month policy
South Carolina
$1,147 for a 6-month policy
Tennessee
$1,000 for a 6-month policy
Texas
$1,241 for a 6-month policy
Utah
$1,097 for a 6-month policy
Virginia
$926 for a 6-month policy
Washington
$1,049 for a 6-month policy
Wisconsin
$857 for a 6-month policy
