Auto insurance rates by state
One of the primary deciding factors in how much you pay for car insurance is the state in which you park your car. Average car insurance rates vary by state, based on state-specific regulations and insurance companies’ efforts to price accurately based on these legal 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 lowest car insurance rates are North Carolina, Virginia, and Maine. Each of these East Coast states boasts average annual auto insurance rates of less than $1,000. North Carolina’s average rates decreased in 2016 and 2017, while Virginia’s insurance costs are rising each year.
10 CHEAPEST STATES FOR AUTO INSURANCE
State | Average Annual Rate |
$865 | |
$901 | |
$927 | |
$1,015 | |
$1,018 | |
$1,027 | |
$1,037 | |
$1,040 | |
$1,079 | |
$1,083 | |
$1,427 |
In general, states with fewer vehicles and drivers that qualify as low-risk have the cheapest car insurance rates. Many of America’s most affordable car insurance states are in the West region, including low-density, low-cost locales like Idaho, Utah, Alaska, North Dakota, and South Dakota.
What are the most expensive states for car insurance?
The states with the highest auto insurance rates are Michigan, Louisiana, and Kentucky. Two of these states — Michigan and Kentucky — are “no-fault” 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 high due to its high number of uninsured drivers and its flood- and hurricane-prone location.
10 MOST EXPENSIVE STATES FOR AUTO INSURANCE
State | Average Annual Rate |
$1,427 | |
$1,700 | |
$1,713 | |
$1,800 | |
$1,802 | |
$1,810 | |
$1,878 | |
$2,004 | |
$2,050 | |
$2,225 | |
$2,610 |
Many factors lead to a state’s average insurance rates being expensive. Below are three of the primary reasons:
- No-fault insurance laws
- Large numbers of uninsured drivers
- Many claims (via the number of vehicles on the road or natural disasters)
Car insurance rates are impacted by a variety of rating factors, including your age, gender, profession, driving history, credit score, and location. Find your state below and explore our data to see how your rates compare.
Arizona
the Grand Canyon State
California
the Golden State
Florida
the Sunshine State
Nevada
the Silver State
North Carolina
the Tar Heel State
Ohio
the Buckeye State
Texas
the Lone Star State
