Car Insurance Rates by State

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

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Auto insurance rates by state

 

One of the primary factors used in car insurance pricing is location. Average car insurance rates by state tend to vary based on legal regulations and insurance companies’ efforts to price accurately 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. Dive into the details and compare auto insurance rates by state below!

 

What are the cheapest states for car insurance?

The states with the most affordable car insurance rates are Maine, Virginia, and North Carolina. Each of these East Coast states boasts average annual auto insurance rates of less than $1,000. Drivers in Maine enjoyed lower average rates in 2019, while Virginians and North Carolinians endured year-over-year insurance rate increases. The state that saw the largest decrease in average insurance rates this year was Montana, at 21%.

 

10 CHEAPEST STATES FOR AUTO INSURANCE

State

2019 Average Annual Rate

Change vs. 2018 Rate

Maine

$896

-3.3%

Virginia

$918

+1.9%

North Carolina

$947

+9.5%

Iowa

$988

+2.7%

Idaho

$1,018

Ohio

$1,032

-0.5%

Wisconsin

$1,070

+2.9%

Vermont

$1,075

+4.7%

Hawaii

$1,081

+0.2%

New Hampshire

$1,105

+2.0%

National average

$1,470

+3.0%

 

In general, less-dense 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 low-density locales such as Idaho, Utah, Maine, Vermont, and Iowa. The cheapest US region for car insurance is New England ($1,224 per year), followed closely by the Great Plains ($1,290). 

 

What are the most expensive states for car insurance?

The states with the highest auto insurance rates are Michigan, Louisiana, and Rhode Island. Two of these states — Michigan and Kentucky — 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 its high number of uninsured drivers and its tendency to sustain damages via floods and hurricanes.

 

10 MOST EXPENSIVE STATES FOR AUTO INSURANCE

State

2019 Average Annual Rate

Change vs. 2018 Rate

National average

$1,470

+3.0%

New York

$1,688

+5.4%

California

$1,815

+6.0%

Texas

$1,827

+0.9%

Delaware

$1,828

+7.5%

Kentucky

$1,898

-7.4%

Nevada

$1,915

+6.3%

Florida

$2,059

+9.6%

Rhode Island

$2,110

+5.3%

Louisiana

$2,339

+5.1%

Michigan

$2,693

+3.2%

 

Kentucky drivers were among the lucky few Americans to have received a price break on insurance over the past year, as the state improved from third to sixth on the least-affordable list. Drivers in Florida, Delaware, and California endured rate hikes, while New York supplanted Mississippi on the list of most expensive states.

The priciest US region for auto insurance was the Southwest, with Texas and Oklahoma among the most expensive states.

Many elements lead to a state’s average insurance rates being expensive, chief among those:

  • 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 history, credit score, coverage level, and specific location.

Use The Zebra's auto insurance rate engine to get more specific than car insurance by state and find an insurance policy today!

 


 

Moving to a new state? Compare auto insurance rates:

 

California vs. TexasNew York vs. FloridaCalifornia vs. OregonCalifornia vs. IdahoCalifornia vs. Arizona
California vs. NevadaNew York vs. CaliforniaFlorida vs. CaliforniaTexas vs. ColoradoNew Jersey vs. Florida
Florida vs. ColoradoNew York vs. TexasPennsylvania vs. FloridaMichigan vs. FloridaNew Jersey vs. California
Florida vs. TexasFlorida vs. GeorgiaIllinois vs. IndianaIllinois vs. FloridaConnecticut vs. Florida
Michigan vs. TexasMassachusetts vs. FloridaIllinois vs. TexasIllinois vs. ArizonaIllinois vs. Wisconsin
Texas vs. OregonVirginia vs. FloridaNew York vs. ColoradoFlorida vs. North CarolinaTexas vs. Washington
Texas vs. AlaskaOregon vs. WashingtonTexas vs. New JerseyMichigan vs. ArizonaColorado vs. California
Georgia vs. CaliforniaNew Jersey vs. North CarolinaVirginia vs. CaliforniaMassachusetts vs. CaliforniaOregon vs. Arizona
Arizona vs. TexasArizona vs. FloridaMichigan vs. ColoradoKentucky vs. CaliforniaGeorgia vs. Texas
Pennsylvania vs. CaliforniaNew Jersey vs. PennsylvaniaConnecticut vs. CaliforniaNew York vs. New JerseyMichigan vs. California

 


 

Map of Alabama Car Insurance

Alabama

the Yellowhammer State

Top Cities
Birmingham
Montgomery
Mobile
Huntsville
Tuscaloosa
Map of Alaska Car Insurance

Alaska

the Last Frontier

Map of Arizona Car Insurance
Map of Arkansas Car Insurance

Arkansas

the Natural State

Top Cities
Little Rock
Fort Smith
Fayetteville
Springdale
Jonesboro
Map of California Car Insurance
Map of Colorado Car Insurance
Map of Connecticut Car Insurance

Connecticut

the Constitution State

Top Cities
Bridgeport
New Haven
Stamford
Hartford
Waterbury
Map of Delaware Car Insurance

Delaware

the First State

Top Cities
Wilmington
Dover
Newark
Milford
Seaford
Map of Florida Car Insurance
Map of Georgia Car Insurance

Georgia

the Peach State

Map of Hawaii Car Insurance

Hawaii

the Aloha State

Map of Idaho Car Insurance

Idaho

the Gem State

Top Cities
Nampa
Meridian
Idaho Falls
Pocatello
Map of Illinois Car Insurance

Illinois

the Prairie State

Map of Indiana Car Insurance
Map of Iowa Car Insurance

Iowa

the Hawkeye State

Top Cities
Des Moines
Cedar Rapids
Davenport
Sioux City
Waterloo
Map of Kansas Car Insurance

Kansas

the Sunflower State

Top Cities
Overland Park
Kansas City
Topeka
Olathe
Map of Kentucky Car Insurance
Map of Louisiana Car Insurance
Map of Maine Car Insurance

Maine

the Pine Tree State

Top Cities
Portland
Lewiston
Bangor
South Portland
Auburn
Map of Maryland Car Insurance

Maryland

the Old Line State

Map of Massachusetts Car Insurance
Map of Michigan Car Insurance

Michigan

the Great Lakes State

Top Cities
Grand Rapids
Warren
Sterling Heights
Ann Arbor
Map of Minnesota Car Insurance
Map of Mississippi Car Insurance

Mississippi

the Magnolia State

Top Cities
Jackson
Gulfport
Hattiesburg
Southaven
Biloxi
Map of Missouri Car Insurance
Map of Montana Car Insurance

Montana

the Treasure State

Top Cities
Billings
Missoula
Great Falls
Bozeman
Butte
Map of Nebraska Car Insurance

Nebraska

the Cornhusker State

Map of Nevada Car Insurance
Map of New Hampshire Car Insurance

New Hampshire

the Granite State

Map of New Jersey Car Insurance
Map of New Mexico Car Insurance

New Mexico

the Land of Enchantment

Map of New York Car Insurance
Map of North Carolina Car Insurance
Map of North Dakota Car Insurance

North Dakota

the Peace Garden State

Top Cities
Fargo
Bismarck
Grand Forks
Minot
West Fargo
Map of Ohio Car Insurance
Map of Oklahoma Car Insurance
Map of Oregon Car Insurance

Oregon

the Beaver State

Map of Pennsylvania Car Insurance
Map of Rhode Island Car Insurance

Rhode Island

the Ocean State

Top Cities
Providence
Warwick
Cranston
Pawtucket
East Providence
Map of South Carolina Car Insurance

South Carolina

the Palmetto State

Top Cities
Columbia
Charleston
North Charleston
Mount Pleasant
Rock Hill
Map of South Dakota Car Insurance

South Dakota

the Mount Rushmore State

Top Cities
Sioux Falls
Rapid City
Aberdeen
Brookings
Watertown
Map of Tennessee Car Insurance

Tennessee

the Volunteer State

Map of Texas Car Insurance
Map of Utah Car Insurance

Utah

the Beehive State

Top Cities
Salt Lake City
West Valley City
Provo
West Jordan
Orem
Map of Vermont Car Insurance

Vermont

the Green Mountain State

Top Cities
Burlington
Essex
South Burlington
Colchester
Rutland
Map of Virginia Car Insurance
Map of Washington Car Insurance

Washington

the Evergreen State

Map of West Virginia Car Insurance

West Virginia

the Mountain State

Top Cities
Charleston
Huntington
Parkersburg
Morgantown
Wheeling
Map of Wisconsin Car Insurance
Map of Wyoming Car Insurance

Wyoming

the Equality or Cowboy State

Top Cities
Cheyenne
Casper
Laramie
Gillette
Rock Springs
Map of Washington D.C. Car Insurance

Washington, D.C.

The Nation's Capital