Compare auto insurance rates by state and see how your premiums stack up.
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.
Review our data below to get a rough idea of how much you might pay for car insurance based on your location. If you want a more accurate picture of your costs, get car insurance quotes online.
See below an alphabetical list of U.S. states with corresponding average monthly car insurance costs. Learn more about our methodology.
|State||Average Monthly Auto Insurance Premium|
The states with the most affordable car insurance rates are Ohio, New Hampshire and North Carolina. Each of these eastern states boasts average auto insurance rates at least 40% lower than the national average of $124 per month. The state that enjoyed the largest decrease in average insurance rates over the past year was Michigan, at 18%.
|State||2021 Average Monthly Rate||Change vs. 2020 Rate|
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 Maine, Vermont and Iowa. The cheapest region in the U.S. for car insurance is New England ($103 per month), followed closely by the Great Lakes ($116).
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.
|State||2021 Average Monthly Rate||Change vs. 2020 Rate|
Most states — even the most expensive locations for car insurance — observed decreases in insurance costs than increases. Arkansas and Louisiana drivers were among the unlucky few Americans to receive a small price hike on insurance over the past year, while others faced decreases of as much as 18%. New York and Arkansas made their first appearances among the most expensive states, supplanting Oklahoma and Delaware.
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:
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.
You'll need to update your car insurance policy when moving for two reasons: state regulations and location-specific pricing.
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.
|State||Average Monthly Premium w/ State Minimum Coverage|
Due largely to the difference in coverage requirements, the difference between average auto insurance premiums in California and Texas is approximately $5 per month (more than $60 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.
*In Kentucky, New York, Utah, and Pennsylvania, you may elect to participate in no-fault coverage.
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.
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.
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.
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.
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.
The Zebra's rate methodology is based on our annual State of Auto Insurance analysis, using a standard driver profile: a 30-year-old single male driver of a Honda Accord.
|AZ vs. FL||FL vs. CA||IL vs. TX||NJ vs. CA||OR vs. WA|
|AZ vs. TX||FL vs. CO||IL vs. WI||NJ vs. FL||PA vs. CA|
|CA vs. AZ||FL vs. GA||KY vs. CA||NJ vs. NC||PA vs. FL|
|CA vs. ID||FL vs. NC||MA vs. CA||NJ vs. PA||TX vs. AK|
|CA vs. NV||FL vs. TX||MA vs. FL||NY vs. CA||TX vs. CO|
|CA vs. OR||GA vs. CA||MI vs. AZ||NY vs. CO||TX vs. NJ|
|CA vs. TX||GA vs. TX||MI vs. CA||NY vs. FL||TX vs. OR|
|CO vs. CA||IL vs. AZ||MI vs. CO||NY vs. NJ||TX vs. WA|
|CT vs. CA||IL vs. FL||MI vs. FL||NY vs. TX||VA vs. CA|
|CT vs. FL||IL vs. IN||MI vs. TX||OR vs. AZ||VA vs. FL|